Five College REALTORS ®



Posted by Five College REALTORS ® on 1/15/2019


137 Old Amherst Rd., Belchertown, MA 01007

Single-Family

$224,900
Price

8
Rooms
3
Beds
1
Baths
This cozy cottage bungalow is the complete package, charm plus updates, privacy plus great location! This three bedroom home offers 1618 square ft of living space with many improvements. The eat in kitchen with new cabinetry, dishwasher and microwave, spacious dining room with wood stove and the renovated bath with hook up for laundry are some of the recent improvements. The new roof, chimney and many new Pella windows, freshly painted exterior and new rear deck and finished family room combine for a great opportunity for a move in ready home! Bring your ideas to finish projects and make it your own! Set on a sunny 1.36 acre with lots of room for gardens or outdoor fun. Minutes to the Amherst/Belchertown line, short drive to UMass or Amherst town center.
Open House
Sunday
January 20 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 137 Old Amherst Rd., Belchertown, MA 01007    Get Directions

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Categories: Open House  


Posted by Five College REALTORS ® on 1/14/2019


194 High Street, Greenfield, MA 01301

Single-Family

$259,900
Price

8
Rooms
4
Beds
1/1
Full/Half Baths
Spacious 4 bedroom 1.5 bath colonial with nice traditional features including hardwood floors, large living room with fireplace, formal dining room with built in cabinets, walk up attic and large 3 season porch. Modern updates include a Buderus boiler, mostly replacement windows, pellet insert, and updated kitchen. Great backyard for outdoor games, family fun and your pets. Convenient location near Beacon Field, parks, tennis courts and the hospital with an easy ride into downtown Greenfield. Come bring your finishing touches to this move in ready, wonderful place to call home!
Open House
Saturday
January 19 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 194 High Street, Greenfield, MA 01301    Get Directions

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Categories: Open House  


Posted by Five College REALTORS ® on 1/14/2019


186 Northampton St, Easthampton, MA 01027

Commercial

$795,000
Price

1
Buildings
Commercial
Type of Comm.
39,204.00
Lot Size
Terrific investment opportunity awaits at this well established strip mall approaching Easthampton's center. Fully occupied with 5 units - strong rental history - leases very - see attached. Built on slab,tucked on a .9 acre open lot you're minutes to Northampton center and major routes. Buyer and/or buyer's agent to verify intended use. Possible expansion.
Open House
No scheduled Open Houses






Categories: Price Change  


Posted by Five College REALTORS ® on 1/14/2019


50 Station Rd, Amherst, MA 01002

Commercial

$699,000
Price

2
Buildings
Commercial
Type of Comm.
2.32
Lot Size
A rare opportunity awaits at this well established horse facility in South Amherst. Located on 2.32 acres with a lease in place from the town of Amherst ($600.00 yearly)for an additional 23 acres, this well run establishment offers an array of sought after accouterments within the horse community. Large barn with 23 stalls sports an office(permitted for an apartment), tack room, locker room,2 bathrooms with shower and laundry , ample hay storage, hot and cold water spigots, a wash stall and 2 grooming stalls. Oversized indoor arena with rubber/sand footing, outdoor arena, cross country derby field and grass jumping field a plus! Cape style home offers 7 rooms, 4 bedrooms and 2 baths - ideal as a managers home or owners abode. Summer and winter paddocks with water access in an ideal country setting - minutes to area schools and major routes.
Open House
No scheduled Open Houses






Tags: Real Estate   Commercial   Amherst   01002  
Categories: Price Change  


Posted by Five College REALTORS ® on 1/13/2019

While buying a home is a huge decision that should entail a lot of planning and preparation, applying for a mortgage can be surprisingly easy. Just like with other lenders and creditors, a mortgage lender will want to know that letting you borrow money will be a safe investment. Applying for a mortgage is all about ensuring just that.

In today’s post, we’re going to breakdown the home loan application process to help you have the best chances at a smooth and successful mortgage approval. We’ll also define some of the common terms used in mortgages that might leave you scratching your head so you have a better idea of what your options are.

Prequalification and Preapproval

Getting prequalified and preapproved for a mortgaged can both be helpful steps toward securing your home loan. The two terms mean two entirely different things, however.

In order to be prequalified for a mortgage, you typically need to only fill out a simple form (sometimes directly through a lender’s website). On this form, you won’t need to provide specifics or official documents.

Why is this process so simple? Well, that’s because getting prequalified for a loan doesn’t ensure that you’ll actually receive one. Rather, it is simply the first step toward finding out what type of mortgage and interest rates you could receive.

The next step after prequalification is preapproval. To get preapproved, you’ll have to fill out an official mortgage application. Your lender of choice will request a few pieces of information from you, including tax returns, proof of employment for the last two years, and a list of your debts. The lender will also perform a credit check to determine your loan eligibility.

Credit report

At this phase, lenders will also run your credit report. This is a type of “hard credit inquiry” that details your payment history, the number of accounts you have open, and other factors that help make up your credit score.

To secure the lowest interest rate possible, it helps to have a high credit score. So, in the years and months leading up to your mortgage application, focusing on building credit will pay off.

To increase your credit score, you’ll need to focus on paying your bills on time each month. You should also avoid opening new accounts within a few months of applying for a mortgage because this will count as a new credit inquiry. New credit inquiries--including applying for a mortgage--lower your score temporarily, so it’s best to avoid them when possible.

Additional paperwork required for mortgage applications

Not every mortgage application will be the same. Depending on the type of income you receive, you may need to provide different forms of income verification.

Each person will also have to claim different debts and assets. When buying a home with a spouse or partner, it’s important to consider your debts, assets, and credit scores to determine if it’s better to apply jointly or separately.







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