Free North Shore Home Value Report via mail

If you’re curious about what your Gloucester, Rockport, Manchester or Essex home may be worth, this is an easy way to find out what properties like yours are selling for in today’s market.

Plus: get a free report with up-to-the-minute statistics on all the homes for sale and those that sold in your town over the last 6 months in all price ranges.

Click the photo and tell us where to send the report.

Kenny MacCarthy I Bob and Sue McDermott I Gibson Sotheby’s International Realty

WEEKEND OPEN HOUSES 5 STANWOOD POINT UNIT B, $899,900

COME AND ENJOY THE VIEW THIS WEEKEND AT BACK TO BACK OPEN HOUSES.

SATURDAY, FEB. 9, 2019 FROM 12:00PM – 2:00PM

SUNDAY, FEB. 10, 2019 FROM 12:00PM – 2:00PM

THIS IS A BEAUTIFUL TOWNHOUSE WAITING FOR YOU TO MAKE IT YOUR HOME!!!

IF YOU ARE NOT READY TO MOVE YET, OR IT IS A BIT TOO HIGH FOR YOU, COME AND TALK TO ME TO DISCUSS THE NEXT PHASE AND OPPORTUNITY TO OWN ONE OF THE NEXT TWO TOWNHOUSES IN PHASE 3.

IF YOU ARE A BROKER, CALL ME TODAY TO TALK ABOUT AN ADDED INCENTIVE FROM THE SELLER!!!!

Flyer OH Feb. 9 and 10

Salem News Online Ad

SATURDAY OPEN HOUSE 2/2/19 12-2PM

https://charleenmccarthy.cbintouch.com/media/id/16065120/

https://www.tourfactory.com/idxr2117645

Flyer OH Feb 2

COME TOUR THIS BEAUTIFUL TOWNHOME WITH ME ON SAT., 2/2/19 FROM 12-2PM. MAKE AN OFFER SO THIS CAN BE YOURS TO ENJOY ONCE SPRING ARRIVES AND YOU CAN SEE FOR YOURSELF HOW TRULY WONDERFUL IT IS TO LIVE ON THE WATERFRONT IN GLOUCESTER.  MAKE 5 STANWOOD POINT, UNIT B YOUR “HOME SWEET HOME”

sea beach sand water

Photo by Pineapple Supply Co. on Pexels.com

Letting in the Light

IMG_1029.jpgIt’s no secret, that as New Englanders, we are innately deprived of vitamin D in the winter. We don’t get as much sun as some places in the world, and we get more than others. It’s a middle ground. Which means we have a responsibility to take advantage of the sun we do get.

If absence makes the heart grow fonder, then these long months help grow our love for the sun exponentially. Our lack of vitamin D and sunshine is precisely what inspires our love for sunlight. Especially in the cold dark depths of winter. It’s helps us appreciate what we have, while we have it.

See more: https://www.grandbanksbp.com/blogs/blog/letting-in-the-light

Down payment Assistance is Here

One of the biggest obstacles people face purchasing a new home is the down payment.  It’s not that people can’t save, it’s the amount they need to save to buy a home here in Eastern Massachusetts.  Prices are high, and therefore the down payments tend to be higher because down payments are a percentage of the home price.

Most people think that you need 20% to purchase a home, but that couldn’t be furthest from the truth.  In fact, most mortgages require as little as a 3-3.5% down payment.  The more you put down, the better the terms.  5% is better than 3%, 10% is better than 5%, and so on.  So that’s why you hear about 20% down being required, because that’s when it’s the best terms.  However, if everyone waited for 20% down, we would not have over 60% of the population homeowners.  It’s just not realistic.

What I want to share is that we at CrossCountry Mortgage on Main Street in Gloucester has a few programs that offer no money down mortgages!  It’s usually a combo of a first and second mortgage.  The first mortgage being the mortgage after down payment, and the second mortgage being the down payment amount.  In Gloucester (and some North Shore cities and towns), the City has down payment assistance but the income limits are fairly low.  Therefore they are not easy to get.  That means a couple who want to buy a home with down payment assistance from Gloucester cannot make more $64,900 combined.  For Masshousing, Fannie Mae and Freddie Mac loans, the income expands to just under $108k.  This is for anyone on the loan….so if a couple combined makes more than $108k, then one person can go on the loan if they qualify by themselves.

The great news is that here at CrossCountry Mortgage on Main Street in Gloucester we have all of these programs!  We can do the state Masshousing mortgage, the national programs through Fannie Mae and Freddie Mac and of course, the City of Gloucester grant.

Below is an example of a condo for sale in Gloucester under $300k that qualifies for down payment assistance.

Contact me today for a no hassle and free consultation to see if you qualify!

Brandon Pratt- CrossCountry Mortgage

NMLS 46922- brandon.pratt@myccmortgage.com

Direct 617.688.6891

Pratt Sign

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