Real Living Realty Group



Posted by Real Living Realty Group on 1/21/2018

With school loans at an all-time high, and growing for each passing generation, many homeowners are ready to shoulder off any and all debt as quickly as possible. If youíre in this camp and looking to aggressively pay down debt there are a few options available when it comes to paying your mortgage off.

Seller concessions.

Also known as seller contributions, are where the seller agrees to pay a portion of the closing fees for the buyer. This can include title insurance, inspection fees, and processing fees. If the seller is looking to sell the house quickly they may consider agreeing to seller concessions.

Government options for loans.

Energy-efficient Mortgage (EEM) was created to help homeowners renovate to add environmentally friendly features to their home. So if youíre looking to install double-pane windows or update insulation this could be the loan for you.

Federal Housing Administration (FHA) loans offer lower closing costs, smaller down payments, and a fair interest rate.

U.S. Department of Agriculture (USDA) loans can be applied to homes in rural areas, regardless of if they are a part of a farm. You may qualify to apply for zero down payment and loan payments will be at a fixed rate.     

There are also many local programs offered at the state and city level. A quick Google search for loan options for your area should set you in the right direction!

Plan to Refinance

Down the road, you can refinance for a fifteen year home loan instead of thirty. Youíll pay off your loan in roughly half the time and save money on payments towards interest.

Throw It Everything Youíve Got

Youíll want to check with your lending company first as some have penalties for payments outside of the loan terms. However, if possible, making an extra payment either regularly or time to time will help cut down the overall time it takes to pay off your loan.

For example, you can make one extra mortgage payment each year or tighten up your day to day budget and apply what your savings towards your loan. Many homeowners get creative and take on side gigs to create the extra cash necessary to make additional payments.

If you donít have that room to flex you can also always apply any bonuses, tax refunds or windfalls that come your way. This also makes a bigger impact when paired with regularly scheduled extra payments.

Aggressive debt payoff strategies arenít for everyone. And thatís okay! However, if youíre looking to live a debt free life and enjoy your home knowing itís been paid in total these tactics are for you. With some strategy and creativity, you can find plenty of ways to make the process go quickly and smoothly.





Posted by Real Living Realty Group on 1/21/2018

This Multi-Family in Quincy, MA recently sold for $720,000. This style home was sold by Office Medifield - Real Living Realty Group.


43-45 Dysart St, Quincy, MA 02169

Multi-Family

$719,900
Price
$720,000
Sale Price

2
Units
2,880
Approx. GLA
Location is key with this one! Walk to Quincy Center Red Line! This Great Multi Family in the Heart of Quincy is now available to own. Easy Access To Highway, Shopping and Public Transportation. Two Units Up / Down with 3 Bedrooms , Kitchen, Living Room and Full Bath on First Floor. Second Floor has a Living Room, wonderfully Updated Kitchen with Cherry Contractor Cabinetry, Granite and Stainless Appliances, Bedroom, Additional Office and Nicely Updated Bath. Third Floor has Two More Bedrooms. Contractors Home, So There is Great Molding Detail Throughout. Each Unit Has Laundry Connections. Two Driveways Makes this a Wonderful Opportunity for Someone to Generate Additional Income by Renting Out The First Floor. Fenced In Back Yard! Open House Sunday from 11-2. Everyone Welcome. Active Listing, so don't wait!

Similar Properties





Tags: Real-Estate   Quincy   Multi-Family   02169  
Categories: Sold Homes  


Posted by Real Living Realty Group on 1/19/2018


37 Cobble Knoll, Walpole, MA 02071

South Walpole

Single-Family

$899,900
Price

12
Rooms
6
Beds
3/1
Full/Half Baths
Move right into this lovely center entrance colonial located at the end of a cul-de-sac neighborhood. This home features many beautiful details: hardwood flooring in the kitchen and formal dining room, first floor office, mud room and walk up third floor. The eat-in kitchen with electric range, and island, flows into the spacious family room, featuring: vaulted ceiling, gas fireplace, built-in cabinetry and French doors. The home also has a large 3 story foyer, large staircase and a catwalk. There are three gracious size bedrooms on the 2nd floor with a full size bathroom and walk-in laundry room. The master suite completes the 2nd floor and includes a large walk-in closet, en-suite bathroom with 2 separate vanities, Jacuzzi tub and shower. The 3rd floor has 2 additional bedrooms and full bathroom. And we can't forget about the beautiful gunite inground swimming pool with a Polaris vacuum cleaner and cabana with one half bath. Easy access to Rt. 1,95 and 495.
Open House
Saturday
January 20 at 12:00 PM to 1:30 PM
Send your buyers to the open house on Saturday to this wonderful oversized classic colonial. So convenient to all major highways. Lots of updates.
Cannot make the Open Houses?
Location: 37 Cobble Knoll, Walpole, MA 02071    Get Directions

Similar Properties





Categories: Open House  


Posted by Real Living Realty Group on 1/19/2018


31 Old Cart Path, Holliston, MA 01746

Single-Family

$795,000
Price

11
Rooms
4
Beds
4/1
Full/Half Baths
Stylish young colonial in Carriage House Estates/Highlands at Holliston! Great kitchen with granite counters, hardwood floors, double oven and countertop range. Sunny dining area with access to the deck via slider and spacious adjacent family room with gas fireplace. Lovely formal dining room and private study on first floor as well. This home has it all - large master suite with double sided fireplace, huge walk-in closet, and a bathroom that features a Jacuzzi tub and double vanity. Guest bedroom with private bathroom, 2 other large bedrooms with Jack and Jill bathroom. finished lower level. You CAN have it all. Space for the whole family and plenty of room for entertaining. Finished lower level offers 2 large rooms for hanging out or working out, another full bath, several large storage areas and a NEW furnace. First Open House on Sunday, January 21st from 12pm to 1:30p.m.
Open House
Sunday
January 21 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 31 Old Cart Path, Holliston, MA 01746    Get Directions

Similar Properties





Categories: New Homes  


Posted by Real Living Realty Group on 1/19/2018


31 Old Cart Path, Holliston, MA 01746

Single-Family

$795,000
Price

11
Rooms
4
Beds
4/1
Full/Half Baths
Stylish young colonial in Carriage House Estates/Highlands at Holliston! Great kitchen with granite counters, hardwood floors, double oven and countertop range. Sunny dining area with access to the deck via slider and spacious adjacent family room with gas fireplace. Lovely formal dining room and private study on first floor as well. This home has it all - large master suite with double sided fireplace, huge walk-in closet, and a bathroom that features a Jacuzzi tub and double vanity. Guest bedroom with private bathroom, 2 other large bedrooms with Jack and Jill bathroom. finished lower level. You CAN have it all. Space for the whole family and plenty of room for entertaining. Finished lower level offers 2 large rooms for hanging out or working out, another full bath, several large storage areas and a NEW furnace. First Open House on Sunday, January 21st from 12pm to 1:30p.m.
Open House
Sunday
January 21 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 31 Old Cart Path, Holliston, MA 01746    Get Directions

Similar Properties





Categories: Open House  




Tags