Tom Ruble - EXIT New Options Real Estate



Posted by Tom Ruble on 4/20/2018

Buying a home is a process that can seem daunting and even a little scary to most first-time buyers. After all, being a homeowner is a huge financial and personal responsibility.

To make this lengthy process a bit more approachable, we’re going to break it down into five steps. While these five steps may be somewhat different for each person, depending on their own unique situation, they do comprise most home buyer’s experience.

If you’re interested in learning the steps you’ll need to take before owning your first home, read on.

Step 1: Know your long-term goals

Before you buy a home, you’ll want to have a clear understanding of what you, your spouse, and your family want from the next five or more years. You’ll want to make sure the area you’re moving to can provide things like career advancement and opportunity, good schools for your children, and so on.

These questions may seem obvious, but it’s an important conversation to have before making the long-term commitment of owning a home.

Step 2: Your budget and your needs

It might be tempting to hop online and start shopping for houses, but first you should get a clear idea of the size and cost of the house you’re looking for. This involves determining your budget, thinking about your credit and planning for your down payment.

Step 3: Mortgage pre-approval

Getting preapproved for a mortgage can be a great way to gauge the interest late and loan amount you’ll be approved for. You’ll need to gather paperwork, including income information (pay stubs), tax returns, and W-2 forms.

Be aware that lenders will run a detailed credit report. Since credit reports count as an inquiry, they can temporarily lower your credit score by a few points.

Applying to several lenders within a short period of time can make a significant impact on your score. However, it will start to rise again within a few months if you don’t open any new credit accounts or take out other loans.

Step 4: Get an agent

Real estate agents know the ins and outs of the home buying process better than anyone else. They’ll be able to guide you through the process and provide you with information that you can’t get anywhere else.

Step 5: Pick the right home for you

Now it’s time to start home shopping. However, before you begin, remember that getting approved for a loan doesn’t mean you must or should seek to spend the full amount on a home.

Plan for your needs, and keep the future in mind. Someday you might decide to upgrade, but in the meantime you can be building your credit and building equity in a smaller or more frugal home.





Posted by Tom Ruble on 4/19/2018


23 Olde Colonial Dr, Gardner, MA 01440

Condo

$106,900
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Better than renting, this well maintained Condo has much to offer. Galley style kitchen features Granite Counters and Beautiful, Soft Close Cabinets and Drawers. There is a Dining Area off the Kitchen and a nice, freshly painted Living Room with a Slider that leads outdoors to a fenced in yard. 2 Bedrooms and a Full Bath are located on the 2nd. floor.There is a Huge Finished area in the Basement along with the laundry. Electric Hot Water Tank was installed new in 2017. Located at the front of the complex, this is a great commuter location with easy access to Routes 140, 2, I-190 and Southern NH. Gardner offers a Great Quality of Life with many year round outdoor (Golf, Swimming, Fishing, Hunting, Riding, Skiing, Hiking) and cultural (Museums, Art Galleries, Music Venues, Craft Breweries) opportunities. This will be a Great Place to call Home. Call now to schedule your private showing. 1st. showing deferred until Open House Tour Saturday 4/21 from 11:45 to 12:45. Hope to see you.
Open House
Saturday
April 21 at 11:45 AM to 12:45 PM
Join us on an Open House Tour Saturday 4/21 from 11:45 - 12:45. Shown in conjunction with MLS#'s 72311964 99 Woodlawn St. Winchendon from 1:15 to 2:15 and 22 Pheasant Lane Templeton from 2:45 - 3:45
Cannot make the Open Houses?
Location: 23 Olde Colonial Dr, Gardner, MA 01440    Get Directions






Tags: Real-Estate   Gardner   01440   Condo   Open House  
Categories: Open House  


Posted by Tom Ruble on 4/19/2018


23 Olde Colonial Dr, Gardner, MA 01440

Condo

$106,900
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Better than renting, this well maintained Condo has much to offer. Galley style kitchen features Granite Counters and Beautiful, Soft Close Cabinets and Drawers. There is a Dining Area off the Kitchen and a nice, freshly painted Living Room with a Slider that leads outdoors to a fenced in yard. 2 Bedrooms and a Full Bath are located on the 2nd. floor.There is a Huge Finished area in the Basement along with the laundry. Electric Hot Water Tank was installed new in 2017. Located at the front of the complex, this is a great commuter location with easy access to Routes 140, 2, I-190 and Southern NH. Gardner offers a Great Quality of Life with many year round outdoor (Golf, Swimming, Fishing, Hunting, Riding, Skiing, Hiking) and cultural (Museums, Art Galleries, Music Venues, Craft Breweries) opportunities. This will be a Great Place to call Home. Call now to schedule your private showing. 1st. showing deferred until Open House Tour Saturday 4/21 from 11:45 to 12:45. Hope to see you.
Open House
Saturday
April 21 at 11:45 AM to 12:45 PM
Join us on an Open House Tour Saturday 4/21 from 11:45 - 12:45. Shown in conjunction with MLS#'s 72311964 99 Woodlawn St. Winchendon from 1:15 to 2:15 and 22 Pheasant Lane Templeton from 2:45 - 3:45
Cannot make the Open Houses?
Location: 23 Olde Colonial Dr, Gardner, MA 01440    Get Directions






Tags: Real-Estate   Gardner   01440   Condo  
Categories: New Homes  


Posted by Tom Ruble on 4/19/2018


99 Woodlawn St, Winchendon, MA 01475

Single-Family

$189,900
Price

5
Rooms
2
Beds
2
Baths
Cute as a Button. That's what you'll say when you see this gorgeous home. Almost totally renovated by previous owner approx. 10 years ago. Newer flooring, windows, heating system and roof. Everything is done so you can move right in. Enjoy your morning coffee or evening libations from the comfort of your rear deck overlooking a large backyard. Or curl up with a good book in the family room with the efficient wood burning stove. All of the appliances convey including the stackable washer/dryer located in the 1st. floor bath. Easy to maintain vinyl siding. Close to major routes, area attractions and Southern NH. 1st. showing deferred by Seller request until Open House Tour Saturday 4/21 from 1:15 to 2:15.
Open House
Saturday
April 21 at 1:15 PM to 2:15 PM
Join us for an Open House Tour Saturday 4/21 from 1:15 - 2:15. Shown in conjunction with MLS #'s
Cannot make the Open Houses?
Location: 99 Woodlawn St, Winchendon, MA 01475    Get Directions

Similar Properties





Categories: Open House  


Posted by Tom Ruble on 4/19/2018


99 Woodlawn St, Winchendon, MA 01475

Single-Family

$189,900
Price

5
Rooms
2
Beds
2
Baths
Cute as a Button. That's what you'll say when you see this gorgeous home. Almost totally renovated by previous owner approx. 10 years ago. Newer flooring, windows, heating system and roof. Everything is done so you can move right in. Enjoy your morning coffee or evening libations from the comfort of your rear deck overlooking a large backyard. Or curl up with a good book in the family room with the efficient wood burning stove. All of the appliances convey including the stackable washer/dryer located in the 1st. floor bath. Easy to maintain vinyl siding. Close to major routes, area attractions and Southern NH. 1st. showing deferred by Seller request until Open House Tour Saturday 4/21 from 1:15 to 2:15.
Open House
No scheduled Open Houses

Similar Properties





Categories: New Homes  




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