Giving Cheer with Wellspring House

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This year we’d like to celebrate the holiday season by coming together and working to give back to our community, we’d love your help! Wellspring, a local charity, is looking for donations to provide families in need with gifts and support this holiday season.

From now until December 6th, we will be collecting donations at our showroom in Gloucester. We’ll also be selling raffle tickets at our holiday party for a chance to win prizes and give back to the community at the same time. All proceeds will be donated to Wellspring.

We’ll have a selection of craft beer, wine, flatbread and chili. Join us as we come together to party for a cause. All are welcome.

Please RSVP to monica@grandbanksbp.com

http://www.grandbanksbp.com

Wellspring Party_holiday donation party

Congratulations to my Buyers! So thankful to do what I do!

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JUST SOLD!

43 SHORE ROAD, MAGNOLIA, MA

1,350,000

SO HAPPY FOR MY BUYERS ON THE PURCHASE OF THEIR NEW HOME ON THE BEAUTIFUL WATERFRONT IN MAGNOLIA. MAY YOU MAKE MANY NEW MEMORIES HERE WITH FAMILY AND FRIENDS!

WISHING EVERYONE A WONDERFUL THANKSGIVING WITH FAMILY AND FRIENDS. I AM VERY THANKFUL TO DO WHAT I DO. LOOKING TO BUY OR SELL REAL ESTATE, LOOK NO FURTHER. CALL ME!

CHARLEEN MCCARTHY, GLOBAL REAL ESTATE ADVISOR

120 Main Street, Gloucester, MA 01930 charleen.mccarthy@evrealestate.com 978-729-1239

EV-McCarthyCharleen

Giving Cheer

This year we’d like to celebrate the holiday season by coming together and working to give back to our community, we’d love your help! Wellspring, a local charity, is looking for donations to provide families in need with gifts and support this holiday season.

From now until December 6th, we will be collecting donations at our showroom in Gloucester. We’ll also be selling raffle tickets at our holiday party for a chance to win prizes and give back to the community at the same time. All proceeds will be donated to Wellspring. Join us as we come together to celebrate. All are welcome.

Please RSVP to monica@grandbanksbp.com

http://www.grandbanksbp.com

Wellspring Party_holiday donation party

5 Ways to Improve Home Efficiency

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Often times when we think of efficiency, we fall into two separate camps. The first thing is using less to save money. The second is environmental, be more efficient to reduce your footprint. I am here to make the case that the two are one and the same. That using less ultimately costs us less, which is better for our environment. Being efficient in our homes this winter means saving money, keeping your home at a cozy temperature and using less resources. It’s a win – win situation.

Keep Reading: https://www.grandbanksbp.com/blogs/blog/5-ways-to-improve-home-efficiency

OPEN HOUSE WEEKEND 11/16 & 11/17 12:00 – 2:00PM

COME AND VIEW THIS BEAUTIFUL WATERVIEW TOWNHOUSE. THE PRICE IS RIGHT!OFFERED AT $729,500. NO FLOOD INSURANCE NEEDED AND REASONABLY PRICED CONDO FEES. MAINTENANCE FREE LIVING. LOOKING TO DOWNSIZE OR BUY A SECOND HOME, THIS ONE IS FOR YOU.  1A STANWOOD POINT, GLOUCESTER, MA 01930

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Welcome Home to spectacular sun rises and amazing water views of the Annisquam River! This three level townhouse is your dream come true. Walk into a bright and inviting kitchen, with a breakfast nook for morning coffee, and fully equipped with top of the line stainless steel Bosch appliances. The cozy living room is complete with fireplace, and the dining area has beautiful French doors leading to your private back deck & patio, all in an easy modern floorplan. Upstairs are two spacious bedrooms, each with en-suite baths and customized walk in closets, and also a convenient laundry room. The finished lower level includes a third bedroom, full bath, family room & lots more storage space. Other outstanding features include a mudroom, an outdoor entertaining area with private patio & firepit to enjoy all year, an outdoor shower & security system. The location of this home is one of its most compelling features- walking distance to Gloucester Boulevard, Stage Fort Park & much more.

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Charleen McCarthy
Global Real Estate Advisor
Engel & Völkers By the Sea
120 Main Street
Gloucester, MA 01930
Cell: 978-729-1239
charleen.mccarthy@evrealestate.com
charleen.mccarthy@engelvoelkers.com
Download my mobile app: app.evrealestate.com/EVCharleenMcCarthy

 

Seasons Savings

Seasons Savings

Well it seems the weather went from shorts to winter jackets in a flash.  A few weeks ago it was beach weather, and now snowflakes could be in the air by week’s end.  This time of year is all about family, holidays, and bills!

You probably heard last week that the Fed reduced the benchmark lending rate by .25%.  This is something that we expected and I had prepared my clients to be ready to jump when rates dropped.  Why did I want them to jump?  Thirty year mortgage rates are not tied to the Fed benchmark rates, but more to the 10 year treasuries.  The 10 year moves in line with the stock market, and that has been at record highs recently.  When the stock market goes up, generally the yield on 10 year treasuries generally go up.  That means mortgage rates go up.  However, when the Fed reduces rates, the yields generally go down and you get better rates.  Today we have both lower yields and a record stock market.  That’s why we have to jump on low rates when we have them.  These rates will move on both fronts, which makes rates volatile.  My clients, who took my advice, got great deals last week and this week.

When setting up these refinances and talking to clients about how it works, one thing kept jumping out at me.  It’s that all of these refinances are closing between Thanksgiving and Christmas.  Because of that, my clients who are refinancing are going to skip a December or January mortgage, or both!  That is a great side benefit of refinancing this time of year.  You can get a little bit of cash flow for the holiday shopping season. Furthermore, I am having my clients get their year-end financials in place so when February 2020 comes, they are ready to do their taxes since their paperwork is altogether.

If you are interested in saving money, generating cash flow during the holidays, and getting your financial affairs in order, please contact me today.  Talking to me is always free.  Preapprovals and credit reports are free too.  Contact me today in person at my office at 180 Main Street in Gloucester, email at brandon.pratt@myccmortgage.com, phone or text at 617.688.6891 or online at http://www.northshorehomeloans.com

Here’s to a great holiday savings season!

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