Cheryl Caldwell - William Raveis - The Dolores Person Group



Posted by Cheryl Caldwell on 7/23/2021

Photo by Meru Bi from Pexels

While looking to buy a home, you must consider the needs of everyone in the household, pets included. Otherwise, the space could fail to work for your family, leaving everyone less than comfortable in their new digs. Thankfully, with a little forethought as you browse, you can zero in on a place that will work perfectly. Just think about the following things to put your pet first while buying a home.

Earmark a Space Thatís All Their Own

Your pets will need room for their bedding, dishes and toys to be truly comfortable in their new living space. So, as you check out each corner of the floor plan, think ahead to where you might put those items.

If you cannot figure out an ideal space, then the home in question likely wonít work without a major overhaul. Often, itís a lot more frustrating trying to make an incompatible space work than continuing with the search for a home that meets all your needs.

Think About Their Elimination Needs

Barring an exceptionally well-trained cat, pets usually cannot use the toilet. To best accommodate their elimination needs, think about where to set the litter box or if the yard will work for their potty times.

Consider all the other household members as well and how you will keep them separate if needed. You donít want dogs digging in the cat box, after all, or kids running through a potentially messy backyard.

Look for Room to Run and Play

Even if you plan to walk your pets on the regular, they need a space to run and play from time to time. If a home with a yard is in your budget, then that will work well, as long as itís fully fenced in.

But if thatís outside your price range, you can get just as much use out of a nearby dog park. If all else fails, look for homes near public parks, hiking trails and beaches where you can let your pets frolic on a long line.

Scope Out the Safety of the Neighborhood

Although you undoubtedly keep a close eye on your pet, accidents can happen, leaving them roaming the neighborhood on occasion. For that reason, itís important to consider major roadways and other hazards near your home. Not all hazards are avoidable, but aim to minimize the risks if you can.

You can also put in extra safety measures, like invisible fences, that help keep your pet from flying solo. Also, consider getting them microchipped and updating their license with the city, so they can be returned home if they ever get lost.

By keeping all these things in mind during the homebuying process, you can find a home that will work for you and your pets. Just remember to let your real estate agent know your preferences, so they understand what to look for as well. Your agent will help you narrow down the options and quickly jump on properties that match your specifications, helping you find a great home faster than ever.




Categories: Pets   Homebuying  


Posted by Cheryl Caldwell on 7/20/2021

This Single-Family in Methuen, MA recently sold for $410,000. This Colonial style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


44 Westland St, Methuen, MA 01844

Single-Family

$379,900
Price
$410,000
Sale Price

7
Rooms
3
Beds
1
Baths
Affordable and Adorable Colonial on dead end street within minutes of shopping and Route I-93. Full enclosed front porch, front hall with Grecian Columns leading to open fire place living room. Updated kitchen with stainless steel appliances, white cabinets and butcher block counter tops. Gorgeous rear deck overlooking private back yard. Cozy, comfortable, move in condition. Sunroom/front porch is unheated. Fabulous opportunity to buy a home at a reasonable price.

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Categories: Sold Homes  


Posted by Cheryl Caldwell on 7/16/2021

You know when you buy a home that your credit score matters, but do you see all of the numbers that matter to your financial picture when youíre buying a home? Your debt-to-income ratio is one of the most critical figures that will influence if you can get a mortgage and what type of rate you can get. 


What Is A Debt-To-Income Ratio?


This number is exactly what it states: the ratio of debt divided by your gross monthly income. Your credit report doesn't include any of this income information. This number is actually the best way to see if youíre living within your means or not. This way, your lender will know your monthly debt payments along with your monthly income.  


If your ratio of debt is high, you may not get a loan or get less desirable interest rates than if you had lower amounts of debt. Even if you have a high credit score, your debt-to-income ratio could affect these things. In reality, a higher debt ratio will make it harder for you to pay back your debt, so itís important to you. 


How Itís Calculated


You can use an online tool to help you calculate your debt-to-income ratio. You can also use a simple formula if youíre up for doing some math yourself:


Divide your monthly debt payments by your monthly gross income then multiply that number by 100. For example:


Student loans: $400

Car loan: $300

Rent: $700

Income: $4,000 


1400/4000= 0.35 x 100= 35%


Household Ratio


You should also be aware of something called your household ratio. The household is the amount of home-related expenses which includes property taxes, prospective mortgage, home insurance, and more. These costs are divided by your monthly income to get this ratio as well. Obviously, your household debt adds to your financial commitments and is also put into consideration by your lender.    



Whatís A Good Debt-To-Income Ratio?


Itís ideal that you keep your ratio less than 36%. Your household ratio should be even lower than this. Itís great to be debt free, but in the real world, thatís not always possible. Your best bet is to be responsible with your finances and work on paying your debt down as much as you can. Then, little by little all of the critical numbers that are required to get a mortgage will fall into place.  

    






Posted by Cheryl Caldwell on 7/15/2021

This Condo in Newburyport, MA recently sold for $741,000. This Townhouse style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


19 Johnson St, Newburyport, MA 01950

Condo

$685,000
Price
$741,000
Sale Price

8
Rooms
3
Beds
3/1
Full/Half Baths
THE SEARCH IS OVER! This contemporary townhouse condo provides all of the conveniences of condo living with the feel of a single family home. Designed to take in the lush landscape surrounding the property, the 2 building, 4 unit association is situated on a rare 1 acre lot providing an estate like feel with multiple decks from which to enjoy the setting. The floor plan and staircase are open concept allowing the walls of windows and glass sliders to flood the unit with natural light. 1st floor offers a fireplaced living room, kitchen, dining area, 1/2 bath with laundry. 3 spacious bedrooms each provide en-suite baths on the 2nd & 3rd floors. Lower level family room with sliders leading to the back yard and bonus office. Spacious mahogany decks on both the 1st and 3rd floors bring the outdoors in. Over $200,000 worth of improvements (see attached list). Ideally located in the heart of Newburyport steps to schools & minutes to downtown. Low condo fee of $700/quarter, pet friendly!

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Tags: Newburyport   Real Estate   01950   Condo  
Categories: Sold Homes  


Posted by Cheryl Caldwell on 7/15/2021


61 Carter St, Newburyport, MA 01950

Condo

$895,000
Price

7
Rooms
3
Beds
2/1
Full/Half Baths
STUNNING attached condominium that lives like a single family home! With generous ceiling height, excellent floor plan and walls of windows, the space lives much larger than it's square footage suggests. Open concept kitchen, living, dining area is the heart of the home - Carrara marble and honed granite countertops grace the kitchen, gas fireplace in living room surrounded by built in cabinetry and bookshelves adorn the living room. Huge master bedroom suite, additional full bath and 2 generous guest bedrooms on 2nd floor. Exquisite tray ceiling detail, wainscoting, warm cherry hardwood flooring throughout, custom wood shutters, central AC, ample closet and storage space throughout with full unfinished basement. Private and spacious patio area with gorgeous hardscape, irrigation and mature plantings is completely unexpected and adds so much to the enjoyment of this in-town gem. 1 car parking, pet friendly!
Open House
No scheduled Open Houses

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Tags: Newburyport   Real Estate   01950   Condo  
Categories: New Homes  




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