Janet Cramb & Company/LAER Realty Partners



Posted by Janet Cramb on 5/22/2019


241 Main Street, Townsend, MA 01469

Commercial

$800
Price

0
Buildings
Office
Type of Comm.
Professional office space for rent. Handicap accessible building with elevator. 3rd floor office suite with 3 large offices offers 1000+ sqft. Excellent opportunity for doctors office, account, mortgage company or attorneys office. High traffic location at the intersection of Route's 119 and 113. Additional flex office space available. Plenty of off street parking.
Open House
No scheduled Open Houses

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Tags: Real estate   Townsend   Commercial   01469  
Categories: New Homes  


Posted by Janet Cramb on 5/22/2019

If you plan to buy a house, it helps to take an honest approach to the homebuying journey. In fact, there are many reasons to remain open and honest throughout the homebuying journey, including:

1. You can set realistic expectations for the homebuying cycle.

If you're honest with yourself, you can determine exactly how much that you can spend on a residence. Then, you can tailor your home search accordingly.

Furthermore, an honest approach is ideal to ensure you can maintain realistic expectations as you pursue houses. No house is perfect, but an honest homebuyer will realize this before he or she embarks on a home search. As a result, this homebuyer may be better equipped than others to discover a terrific house that matches his or her expectations.

2. You can resist the temptation to spend beyond your means.

Oftentimes, it helps to get pre-approved for a mortgage before you enter the housing market. If you pursue houses with a mortgage in hand, you can establish a price range for your home search, thereby reducing the risk of spending too much on a house.

When it comes to getting a mortgage, you'll need to be honest with prospective lenders. These financial institutions will perform their due diligence to ensure you are qualified to receive a mortgage. And if you are dishonest with lenders, you are unlikely to get the mortgage you need to acquire your ideal house.

3. You can speed up the homebuying journey.

The homebuying journey may prove to be a long, drawn-out process if you're not careful. Fortunately, with an honest approach to buying a house, you can limit the risk of encountering time-consuming homebuying hurdles.

For example, if you are honest with yourself about where you want to live, you can refine your home search to particular cities or towns. This will enable you to keep track of available houses in certain areas, resulting in a fast, efficient home search.

The aforementioned list highlights some of the key reasons to be honest with yourself and others as you pursue a house. Of course, if you need extra assistance as you search for your dream home, you may want to hire a real estate agent too.

A real estate agent is a homebuying expert who will be direct and forthright with you throughout the homebuying journey. As such, a real estate agent can help you take the guesswork out of purchasing a house.

Usually, a real estate agent will meet with you and learn about your homebuying criteria. This housing market professional then can tailor a home search to help you identify your dream residence. And if you have any homebuying questions, a real estate agent can respond to these queries immediately.

Perhaps best of all, a real estate agent will provide honest, unbiased recommendations as you proceed along the homebuying journey. This housing market professional will simplify the homebuying process, ensuring you can acquire a top-notch house that you can enjoy for years to come.




Categories: Uncategorized  


Posted by Janet Cramb on 5/20/2019

This Single-Family in Groton, MA recently sold for $444,400. This Raised Ranch style home was sold by Janet Cramb - Janet Cramb & Company/LAER Realty Partners.


49 Island Road, Groton, MA 01450

Single-Family

$432,000
Price
$444,400
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Lake living at it's BEST! Newer home offers 2+ bedrooms and spectacular views with water front access to Knobs Pond. New retaining wall with over sized dock directly on the water. Swimming, boating, fishing and lake front ice skating from your door step. Beautiful sunsets all year long. Pride of ownership thru out this well maintained home. First floor open floor plan with center island in kitchen and spacious great room. Completely surrounded by windows the dining room invites 4 seasons as you relax and enjoy the Panoramic water views. Two bedrooms and full bath on the second floor. Open foyer offers ideal area for in home office with water views. Additional den easily can be converted into a first floor bedroom. Easy access from Routes 496 and 2. Ten minutes to "The Point" offers retail and entertainment to fit your lifestyle.

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Categories: Sold Homes  


Posted by Janet Cramb on 5/17/2019


55 Washington, Ayer, MA 01432

Rental

$1,000
Price

3
Rooms
1
Beds
1
Baths
Available immediately. Updated first floor 3 room 1 bedroom apartment with heat and hot water included. Eat in kitchen. Bright sunny living room with bay windows and wall to wall carpet. One full bath. Plenty of off street parting. Short walk to T Station. No Smoking or pets allowed.
Open House
No scheduled Open Houses

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Tags: Real estate   Rental   01432   Ayer  
Categories: New Homes  


Posted by Janet Cramb on 5/15/2019

Like most Americans, you probably carry some debt. Reaching your dreams such as saving for a down payment or registering for a class takes longer when you're also paying on money you owe. Paying it off might seem daunting when the only way you know is to either make more money or reduce expenses. There are other ways, though, to tackle debt. Here are three.

The avalanche

When using the avalanche method to pay off debt, organize debt by the highest interest rate to the lowest. Any extra funds you can come up with go toward the debt with the highest interest rate until it is paid off. Then, move to the debt with the next highest interest rate. Take the whole payment amount of the first debt and add it to the payment of the second highest debt, paying it much more quickly. As each debt is paid, move to the next highest interest rate until all debt is paid. Proponents of this method believe your debt is paid off faster with the least amount of interest paid.

The Snowball

This popular method to pay off debt focuses on paying off the smallest debts first, then taking that payment and adding it to the payment for the next lowest debt. As you pay each debt, add that payment amount to the next smallest debt's payment. Each time you pay off one debt, the amount you can throw at the subsequent debt increases in the same way a snowball rolling down a hill gets bigger and bigger. Eventually, you can apply the final amount to your last debt and pay it off more quickly. Champions of this method believe paying off smaller debts first provides a psychological boost, encouraging you to stay on track. 

The snowflake

Both the avalanche method and the snowball method rely on your coming up with some extra cash in your monthly budget to throw at the first debt. But what if your budget is so tight that you can't add a regular amount to your monthly outgo? The snowflake method is different. Always pay minimums on all your debts, but whenever you have random cash, apply the extra to the smallest bill. So, if you sell something online or if a friend pays you back for dinner from a month ago, apply that extra to your smallest debt. Use birthday money, the five dollars you found in a coat pocket, or your tax refund to pay toward debt. Even though you’re not adding a regular amount to your debt payment, you can still reduce the balance and pay off your debt more quickly than by just making payments.

Reach your dreams

Once you’ve paid off your debt, continue to pay the final payment amount into a savings account toward a down payment or some other goal.