Cheryl Caldwell - William Raveis - The Dolores Person Group



Posted by Cheryl Caldwell on 1/2/2018

This Condo in Newburyport, MA recently sold for $455,000. This Garden style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


41 Washington Street, Newburyport, MA 01950

Condo

$475,000
Price
$455,000
Sale Price

4
Rooms
2
Beds
1
Baths
OPPORTUNITY KNOCKS! 41-43 Washington Street is a completely renovated 4 unit building which sold out within weeks of coming on the market this summer. Change of circumstances for new owner means opportunity for you! Ideally located 1 block from the Rail Trail, minutes to the waterfront, shops & restaurants of Newburyport, this 1st floor unit features an open concept floor plan, fireplaced living room, bright & contemporary kitchen complete with stainless steel appliances, granite countertops & kitchen island with seating for 2, 1 full bath with gorgeous tiled tub/shower and laundry, and 2 large bedrooms. Owners have further improved with washer/dryer, custom window treatments and custom glass shower door. The unit also has a private deck, 2 assigned off-street parking spots & finished private basement storage area. Pet friendly! Whether looking for the perfect pied-a-terre, downsizing or just looking to make a great investment in one of the hottest markets in New England, this is it!

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Tags: Newburyport   Real Estate   01950   Condo  
Categories: Sold Homes  


Posted by Cheryl Caldwell on 12/29/2017

Ready to buy a home? Ultimately, you'll want to prepare for the homebuying process. By doing so, you can avoid many costly mistakes.

Believe it or not, it is easy to make mistakes as you browse the housing market. Some of the expensive mistakes that homebuyers frequently make include:

1. Overspending on a Residence

No one should be forced to overspend on a home. Unfortunately, if you fail to study the real estate market, you risk paying too much to acquire your dream house.

Remember, an informed homebuyer will be better equipped to optimize the value of his or her real estate investment than others. And if you understand the costs of properties in your area, you can avoid the temptation to overspend.

Explore the real estate market closely and assess the prices of similar houses. By doing so, you can understand the price range of homes that fall within your budget and plan accordingly.

Also, work with an experienced real estate agent. This real estate professional will help you determine how much you can spend on a home and can provide you with details about properties that match your budget.

2. Failure to Get Pre-Approved for a Mortgage

After you find your dream home, you'll need to figure out how to pay for it. And if you struggle to obtain a mortgage before you start your home search, you might miss out on the opportunity to purchase your dream residence.

Meeting with banks and credit unions prior to checking out properties is ideal. This will allow you to obtain a mortgage and search for houses that fit your price range.

Moreover, getting pre-approved for a mortgage may help you stand out in the eyes of a home seller, as he or she won't have to wait for you to secure financing to finalize a purchase agreement.

3. Lack of Realistic Expectations

As a homebuyer, it is important to understand that every house has its pros and cons. But if you fail to establish realistic expectations for the homebuying process, it may be impossible for you to find the right property at the right price.

Separating your homebuying wants from your homebuying needs is vital. If you determine exactly what you'd like to find in your dream home before you explore the real estate market, you can narrow your search and streamline the process of acquiring the perfect residence.

Furthermore, hiring a real estate agent can make a world of difference for homebuyers. Your real estate agent can keep you up to date about new homes as they become available, set up home showings and help you submit offers on residences. This real estate professional also can offer homebuying recommendations, ensuring that you can minimize the risk of homebuying mistakes.

With a real estate agent at your side, you can accelerate the process of going from homebuyer to homeowner. Collaborate with a real estate agent today, and you should have no trouble securing your ideal residence.




Categories: Buying a Home   buying tips  


Posted by Cheryl Caldwell on 12/22/2017

If you’re hoping to buy a home in the near future there are several financial prerequisites that you should aim to meet. Ideally, you’ll want a sizable down payment, a verifiable income history, and a good credit score.

It takes time to build credit. For most people, it can be several months or even years before they see a double-digit change in their credit score. However, if you have a low credit score and want to give it a quick boost, there are ways you can make a big difference.

But first, why should you focus on your credit score?

Credit scores and mortgages

When you apply for a mortgage there are several factors that your lender will take into consideration. One of their top concerns will be your credit score. This score is like a snapshot of your financial reliability. It tells lenders how much risk is involved in lending to you.

As a result, lenders will increase your interest rate if you are high risk and lower it if you are lower risk. To be a low risk homeowner, you’ll want your score to be in the high range, (usually 700 or above).

Credit change potential

Depending on your financial history, it can be more difficult to raise your score in a shorter period of time. If you are young, don’t have a long credit history, or haven’t had many bills to pay in your lifetime, your score will be more malleable than someone who has had low credit for years due to late payments.

In the United States, you have to be eighteen to open up a credit card or take out a loan by yourself (this is different from getting a loan co-signed by a parent or guardian).  You can also ask your parents or guardians to add you as an authorized user of their credit cards. This will let you build credit without having to settle for the high interest rate credit cards you would be eligible for.

If you happen to have a low score (anywhere between 300 - 600), the good news is you can achieve a larger change over a shorter amount of time than someone who already has a high score.

So, how do you achieve that change?

Credit errors

One of the easiest ways to quickly improve your score is to check for errors in your credit report. You can get a free report each year from the three main credit bureaus--Equifax, TransUnion, and Experian.

Look out for bills that have been mistakenly put under your name and for collections that shouldn’t be on your account.

Avoid new credit

One thing that can do short-term harm to your credit score is opening or attempting to open new lines of credit. That can be a store card, a loan, or getting your credit checked by a lender.

If you want to build credit quickly, making several inquiries could land you with a lower score than where you started.

Pay your regular expenses with credit

A good way to gain credit points in a few months is to pick a monthly expense to use your credit card for. Pay off your full balance at the end of each billing cycle to earn the most points while avoiding building up too much interest.






Posted by Cheryl Caldwell on 12/20/2017

This Condo in Newburyport, MA recently sold for $589,000. This Garden style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


9 Dalton St, Newburyport, MA 01950

Condo

$589,000
Price
$589,000
Sale Price

4
Rooms
2
Beds
1/1
Full/Half Baths
GORGEOUS 1ST FLOOR CONDO IS BEYOND COMPARE - Fully renovated in 2014, the stunning tin ceilings, inlaid hardwood floors, stained glass windows and graceful entry staircase have all been preserved while sophisticated design, styling and layout has created living space unlike anything else you will find in Newburyport. Soaring 10' ceilings and windows galore provide amazing light throughout. The single level, open floor plan is highlighted by a dramatic front to back gas fireplace separating the living room and kitchen. Features a large private deck, as well as a sitting porch, 2 car off-street parking, Central A/C, in-unit laundry, full walkout basement storage room offers a tremendous amount of storage for bikes/kayaks, etc. Pet friendly. A quick walk to downtown Newburyport shops, restaurants, waterfront, as well as the commuter rail to Boston. Don't miss this rare and unique offering.

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Tags: Newburyport   Real Estate   01950   Condo  
Categories: Sold Homes  


Posted by Cheryl Caldwell on 12/18/2017

This Single-Family in Newburyport, MA recently sold for $525,000. This Cape style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


189 Low St, Newburyport, MA 01950

Single-Family

$525,000
Price
$525,000
Sale Price

8
Rooms
3
Beds
2/1
Full/Half Baths
Absolutely darling 1988 Cape with tasteful 2001 FR/MBR addition that opens to deck, in-ground pool and lovely landscaped yard. Interior features include HW floors down, 2 fireplaces, spacious eat-in kitchen with stainless steel appliances, well closeted bedrooms.

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Categories: Sold Homes  




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