Marilyn Ellis, CBR, CHMS, LMS, HAFA
RE/MAX Leading Edge | 781-944-6060 | marilynellis@remax.net


Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 1/23/2018

Available for lease with a February 1 occupancy. Very inviting Center Entrance Colonial with four bedrooms and 2.5 baths in the South School & Ballardvale neighborhood. Private and nicely sited at the end of a cul-de-sac on Charlotte Drive. A really wonderful home offering very comfortable and spacious living areas that accommodates all types of entertaining and family fun. New oversized deck, dishwasher and stove plus two fireplaces, french doors, cathedral ceilings and nicely finished lower level bonus room are just a few amenities to complete a lovable picture. Please note this wonderful offering does not allow animals or smoking in or around the premises per the owners. Refer to the listing agent for the application process.

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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 1/23/2018


20 Charlotte Drive, Andover, MA 01810

West Andover

Rental

$3,800
Price

8
Rooms
4
Beds
3
Baths
Available for lease with a February 1 occupancy. Very inviting Center Entrance Colonial with four bedrooms and 2.5 baths in the South School & Ballardvale neighborhood. Private and nicely sited at the end of a cul-de-sac on Charlotte Drive. A really wonderful home offering very comfortable and spacious living areas that accommodates all types of entertaining and family fun. New oversized deck, dishwasher and stove plus two fireplaces, french doors, cathedral ceilings and nicely finished lower level bonus room are just a few amenities to complete a lovable picture. Please note this wonderful offering does not allow animals or smoking in or around the premises per the owners. Refer to the listing agent for the application process.
Open House
No scheduled Open Houses

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Tags: Andover   Real estate   01810   Rental  
Categories: New Homes  


Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 1/18/2018

What is it about cabinets that make them so difficult to keep organized? Despite our best efforts storage containers always seem to take over while baking ware get lost in the far back depths of corner cabinets. Iím here with X tips to keep your kitchen cabinets neat and tidy once and for all.

  1. Start with a major clear out to eliminate any unnecessary clutter. The kitchen is the easiest room in the house to build up excess stuff as it all seems so useful. However, in truth all those specialized gadgets and extra plates simply collect dust and make organizing more difficult.

  2. Give everything a place. By assigning each and every item in your kitchen cabinets a ďhomeĒ you will be less likely to shove things away into drawers or into the back of cabinets. You will also be able to more effectively put the following tips to use as you will know exactly which solutions will work best for your belongings.

  3. Adding stacking shelves for plates and bowls adds extra storage to tall cabinets. Stacking shelves make the most of empty space without stacking plates a mile high and prevents having to pull from the bottom of a pile to grab a dinner plate.

  4. Add slide out organization to cabinets to create easy to reach access to the depths of cabinets without requiring a step ladder. They are easy to find at your local hardware or home goods store and easy to install on your own.

  5. Keep similar pantry items together in easy to grab bins. Think baking items together in one bin and spices in another. Matching bins placed on open shelves add a stylish touch to your home while clear containers allow you to see what is in each bin at a glance.

  6. Drawer dividers avoid the classic jumbled drawer of kitchen gadgets. Just as with pantry bins keeping like items in each section allows to easily find utensils at a glance. When shopping for dividers be sure to keep your utensils sizes and shapes in mind to find appropriately proportioned containers that will make the most of drawer space.

  7. Lazy susans in cabinets make it easy to find spices, canned goods and cooking oils with a quick spin of the fingertips. Keeping a lazy susan in the cabinet nearest your stove makes cooking an easier process.

  8. Alternatively, a spice rack on the inside of a cabinet adds storage space while putting cooking spices within arm's reach and puts the whole array at an eyeís glance. Again, this makes the most of vertical space to free up shelf space for other items.

  9. Hang mugs up on a spinning mug tree, mug rack or hooks under upper cabinets to make the most of vertical kitchen space, again, to free up precious shelf space. So often homeowners stuff their cabinets with mugs, unnecessarily monopolizing cabinet space.

  10. Invest in a matching food storage set that can nest easily. Better yet, look for the type where the lids snap together for an even easier storage solution. This also allows your food storage containers to be tucked away into one of the organizational bins from tip number four.

By making the most of vertical space and thinking outside the box when it comes to adding storage space to cabinets you can finally have organized cabinets that stay organized. To get the most out of these tips be sure to follow through on tip number one. Happy organizing!




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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 1/11/2018

No income verification mortgage loans sound like a great idea. Also known as stated loans, these are easier to obtain than traditional mortgages. You wonít have to go through endless amounts of paperwork that traditional mortgages require. Think again. These types of loans are high risk and borrowers may have a hard time paying these loans back. Many lenders have removed these kinds of loans from their list of options. In certain circumstances, these loans can work for you, but you have to do your homework. 


Where Can You Get A Stated Loan?


Some lenders still provide these stated loans with no verification process required. Unlike earlier times, these loans are now pretty difficult to obtain. Typically, this type of mortgage is geared towards the self-employed and requires a large down payment. Also, the borrower must have a very good credit score to be considered for the loan. 


Are Stated Loans Unaffordable?


Since these loans come at very high interest rates, they are often seen as unaffordable due to the high monthly payment. Stated loans can have double the interest rate of what the current available mortgage rates are. However, if you donít have many options, or are in a hurry to get a home and have money in the bank, it could work well for you.  


Could A No Income Verification Loan Be Right For You? 


If you really want a home loan, the first step is to be truly honest about your income. If you find a beautiful home and know that itís out of your price range, you could risk defaulting on the loan. 


To truly understand what you can afford, youíll need to figure out all of your monthly expenses including taxes, mortgage insurance, phone bills and grocery bills. This will give you a full picture of your finances. Once you look at all of these factors, you may find that it does make the most sense for you to get a no income verification loan. 


Deciding On The Type Of Loan Youíll Get


If you find that you need a lower monthly payment, it may make more sense for you to go after a traditional home loan. If youíre self-employed and know that your options are limited, a stated loan certainly is an option for you, youíll just need to understand the risks of the entire process. Youíll also need to have a bunch of documents ready for the lender once you decide to go for the home loan. You can compare the costs of a no income verification loan to a traditional mortgage. Then, you can ask your lender what theyíll need from you in order to verify everything for the traditional mortgage. Any good broker can help you through your decision-making process. Youíll want to be well informed and compare all of the programs along with their fees. You should get recommendations on a lender who has the knowledge and experience to help you find the home loan thatís right for you.




Tags: mortgage   mortgage rates   loans  
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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 1/4/2018

Before you meet with lenders to refinance your home, thereís certain steps that you should take to make sure that you are ready to refinance and that the entire process will go smoothly. Whether you want to do a renovation or just get a lower interest rate, refinancing can be useful. These tips will be very helpful to you in making an informed decision.  


The Numbers Wonít Lie


Just like when you first purchase a home, youíll need to take a look at your own financial situation to see if refinancing actually makes sense for you. If youíre less than 30 years from retirement, you may want to rethink getting another mortgage that starts from scratch. You can always consider a 15-year mortgage, knowing that your monthly payments will be higher, giving you some breathing room from another 30 years of mortgage payments.  


Know Your Credit Score


You should be checking in on your credit report periodically in order to catch any red flags early. Youíll also know and understand any weak spots in your credit. Youíll have time to eliminate any errors and give your score time to readjust. 

You should also get an idea of where you stand with your credit score. Credit card companies often provide this. Thereís also a few free services that exist to help you obtain your credit score. Knowing this information can be very helpful when youíre looking to refinance a home.


Find Out Your Homeís Value


Lenders want to know that you donít owe more than 80% of what your home is worth. An appraisal will be a part of the refinance process, but before you even start, it will be helpful to know how much you owe versus how much your home is worth. If you owe more than your home is worth, you may want to reconsider doing the kitchen over or going for that lower interest rate. Moving might be a better option financially.  


Get Your Finances Straight


A lender likes to know that youíre in good financial standing before they grant you a loan. Work on paying down your credit card balances and donít max out any cards that you do have. All this can hurt your credit and your chances of obtaining a loan. You can even talk to some lenders beforehand in order to see if refinancing is a good idea. 


Do Your Homework


All lenders are not created equal. You can start with your current lender when it comes to refinancing. Since they want to keep your business, your lender will hopefully have some good deals for you. Youíll need to take some time to compare rates from different companies and find the lowest rates available. If you do your homework, youíll be able to get the best deals and not regret your refinancing decision.




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