Cheryl Caldwell - William Raveis - The Dolores Person Group



Posted by Cheryl Caldwell on 9/2/2020


9 Dalton St, Newburyport, MA 01950

Condo

$565,000
Price

4
Rooms
2
Beds
1
Baths
CONTEMPORARY, OPEN CONCEPT LIVING AT ITS BEST - Fabulous 3rd floor unit provides the best of in-town living coupled with the feel of a Soho Loft! Completely renovated in 2014, 9 Dalton St consists of 3 single level units, of which Unit 3 was the crowning jewel! Sleek gas fireplace is the focal point of the living room, which also features it's own bar area. Kitchen with crisp, clean white cabinetry, stainless steel appliances and warm granite counters complete with island seating. Spa-inspired bath. Spacious bedrooms with skylights provide glimpses of the local skyline. Large private treetop deck, 2 car assigned off-street parking, Central A/C, in-unit laundry, HUGE private finished walkout basement storage room provides unheard of storage for bikes/kayaks, etc. Pet friendly! Blocks away and a hop, skip and a jump to MBTA Commuter rail, Newburyport shops, restaurants & waterfront. Amazing investment opportunity and unlike anything else you'll find in Newburyport!
Open House
Saturday
September 05 at 12:30 PM to 1:30 PM
Cannot make the Open Houses?
Location: 9 Dalton St, Newburyport, MA 01950    Get Directions

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Categories: Open House  


Posted by Cheryl Caldwell on 9/2/2020


3 Heritage Way, Rowley, MA 01969

Condo

$535,000
Price

6
Rooms
2
Beds
2/1
Full/Half Baths
ALL THE BENEFITS OF A SINGLE FAMILY WITHOUT THE MAINTENANCE! Constructed in 2014 and beautifully designed with ease of living in mind, Units at Rowley Village Green don't often become available and once you step inside you'll understand why! You feel at home the minute you step onto the front porch and into the tiled foyer. With hardwood floors throughout, the 1st floor offers a spacious living room with gas fireplace, bright kitchen with white cabinetry, granite counters and stainless steel appliances complete with breakfast bar. This preferred floor plan offers a full dining room area for more formal dining which opens out to the back deck. Spacious master suite with double closets and full bath, additional bedroom, full bath, laundry area and huge family room round out the 2nd floor. Full unfinished basement has unlimited potential. Central AC, coveted 2 car garage, pet friendly and minutes to the beaches, Newburyport, commuter rail!
Open House
Saturday
September 05 at 11:00 AM to 12:00 PM
Cannot make the Open Houses?
Location: 3 Heritage Way, Rowley, MA 01969    Get Directions

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Tags: Real Estate   Condo   open house   Rowley   01969  
Categories: Open House  


Posted by Cheryl Caldwell on 8/28/2020

This Single-Family in Newburyport, MA recently sold for $1,410,000. This Colonial style home was sold by Cheryl Caldwell - William Raveis - The Dolores Person Group.


24 Lime St, Newburyport, MA 01950

Joppa

Single-Family

$1,395,000
Price
$1,410,000
Sale Price

7
Rooms
4
Beds
4/1
Full/Half Baths
JOPPA PERFECTION! Combining the best of casual coastal charm & sophisticated detail, this in-town beauty is exactly what you've been searching for! Originally built in 1997 & further enhanced with an amazing open concept kitchen and master bath renovation, the current owners have added their own mark with the addition of a 3 car HEATED driveway & much more. Designed for entertaining, the kitchen is a Chefs dream featuring Wolf, Subzero and Asko appliances & is open to a fireplaced living room with custom built-in cabinetry which opens thru french doors to the back patio.The dream worthy master suite boasts a spacious fireplaced bedroom, custom closets galore and master bath with double vanity, water closet, soaking tub and tiled shower. Office/bedroom on 2nd floor and 2 addtl bedrooms on the 3rd floor. Finished bsmt media room. Back patio is a private retreat unto itself with mature plantings, stone wall seating area, mature trees & perennials. Too much to mention - don't miss it!!

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Categories: Sold Homes  


Posted by Cheryl Caldwell on 8/28/2020

Whether you’re a first time homebuyer or a seasoned homeowner, the terminology of mortgages can be confusing. Since buying a home is such a huge financial decision, you’re also going to want to make sure you understand every step of the process and all of the conditions and fees along the way.

In this article, we’re going to explain some of the common terms you might come across when applying for a home loan, be it online or over the phone. By learning the basic meaning of these terms you’ll feel more confident and prepared going into the application process.

We’ll cover the acronyms, like APRs and ARMs, and the scary sounding terms like “amortization” so that you know everything you need to about the terminology of home loans.

  • ARM and FRM, or adjustable rate vs fixed rate mortgages. Lenders make their money by charging you interest on your home loan that you pay back over the length of your loan period. Adjustable rate mortgages or ARMs are loans that have interest rates which change over the lifespan of your loan. You may start off at a low, “introductory rate” and later start paying higher amounts depending on the predetermined rate index. Fixed rate mortgages, on the other hand, remain at the same rate throughout the life of the loan. However, refinancing on your loan allows you to receive a different interest rate later down the road.

  • Amortization. It sounds like a medieval torture technique, but in reality amortization is the process of making your life easier by setting up a fixed repayment schedule. This schedule includes both the interest and the principal loan balance, allowing you to understand how long and how much money will go toward repaying your mortgage.

  • Equity. Simply state, your equity is the the amount of the home you have paid off. In a sense, it’s the amount of the home that you really own. Your equity increases as you make payments, and having equity can help you buy a new home, or see a return on investment with your current home if the home increases in value.

  • Assumption and assumability. It isn’t the title of a Jane Austen novel. It’s all about the process of a mortgage changing hands. An assumable mortgage can be transferred to a new buyer, and assumption is the actual transfer of the loan. Assuming a loan can be financially beneficial if the home as increased in value since the mortgage was created.

  • Escrow. There are a lot of legal implications that come along with buying a home. An escrow is designed to make sure the loan process runs smoothly. It acts as a holding tank for your documents, payments, as well as property taxes and insurance. An escrow performs an important function in the home buying process, and, as a result, charges you a percentage of the home for its services.

  • Origination fee. Basically a fancy way of saying “processing fee,” the origination covers the cost of processing your mortgage application. It’s one of the many “closing costs” you’ll encounter when buying a home and accounts for all of the legwork your loan officer does to make your mortgage a reality--running credit reports, reviewing income history, and so on.  




Tags: Mortgage   terminology  
Categories: Mortgage   terminology  


Posted by Cheryl Caldwell on 8/27/2020


9 Dalton St, Newburyport, MA 01950

Condo

$565,000
Price

4
Rooms
2
Beds
1
Baths
CONTEMPORARY, OPEN CONCEPT LIVING AT ITS BEST - Fabulous 3rd floor unit provides the best of in-town living coupled with the feel of a Soho Loft! Completely renovated in 2014, 9 Dalton St consists of 3 single level units, of which Unit 3 was the crowning jewel! Sleek gas fireplace is the focal point of the living room, which also features it's own bar area. Kitchen with crisp, clean white cabinetry, stainless steel appliances and warm granite counters complete with island seating. Spa-inspired bath. Spacious bedrooms with skylights provide glimpses of the local skyline. Large private treetop deck, 2 car assigned off-street parking, Central A/C, in-unit laundry, HUGE private finished walkout basement storage room provides unheard of storage for bikes/kayaks, etc. Pet friendly! Blocks away and a hop, skip and a jump to MBTA Commuter rail, Newburyport shops, restaurants & waterfront. Amazing investment opportunity and unlike anything else you'll find in Newburyport!
Open House
Sunday
August 30 at 11:00 AM to 12:00 PM
Masks required and social distancing will be observed
Cannot make the Open Houses?
Location: 9 Dalton St, Newburyport, MA 01950    Get Directions

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Categories: Open House  




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