Collins & Demac Real Estate



Posted by Collins & Demac Real Estate on 7/30/2020

This Single-Family in Shrewsbury, MA recently sold for $625,000. This Colonial style home was sold by - Collins & Demac Real Estate.


72 Holman St, Shrewsbury, MA 01545

Single-Family

$589,000
Price
$625,000
Sale Price

9
Rooms
4
Beds
2/1
Full/Half Baths
Amazing Dutch Colonial in the heart of Shrewsbury. Not only is this classic style home rich in character and charm with tremendous updates but it is perfectly situated in a convenient location in town. The kitchen remodel and addition features high end cabinetry, quartz & granite counter-tops, bench seating with storage in the custom built dining nook, radiant flooring in the mudroom with ample shelving & storage for all of your items and easy access to the covered wrap around deck - perfect for grilling. Finishing out the main level is the half bath, a beautiful formal dining space & front to back living room, both with coffered ceilings, and a bright bonus room off the side of the home. Upstairs features 2 full updated bathrooms, the main bath with radiant flooring, the other doubling as a laundry room, 4 bedrooms and more bonus space in the finished attic. Enjoy time outside in the gorgeous, expansive backyard where there is plenty of room to add a pool and more!

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Categories: Sold Homes  


Posted by Collins & Demac Real Estate on 7/30/2020

When it comes to home buying a home, thereís a ton of different information available out there. A lot of what has been presented as ďfactĒ actually is quite false. These misconceptions could keep you away from achieving the very real dream of home ownership. Below, youíll find some of the most common myths that youíll find about home buying.


If Your Credit Score Isnít Up To Par, You Canít Buy


To get good mortgage rates, having a good credit score doesnít hurt. You can still buy a home if you donít have amazing credit. A low credit score means that your mortgage rates will be higher than the average. There are loans like FHA loans, that allow for you to get a loan with a credit score as low as 580. Donít let a lower credit score discourage you from buying a home. If your credit score is low, there are plenty of things that you can do to help you fix the score in a short period of time.  


You Need 20 Percent Down To Buy A Home


This is a long-standing myth about home buying. While putting down 20 percent on a home purchase saves you the extra expense of Private Mortgage Insurance (PMI), you can still be in the running to buy a home if your down payment is less than 20 percent. There are even some home loan programs that allow buyers to put as little as 0-3 percent down for the purchase of their home.


You Have To Make A Lot Of Money To Buy A Home


Your monthly income is one of many aspects of your financial life thatís considered when youíre buying a home. Home loans can be denied to those who make a large income just as easily as to those who have lower incomes. What matters is the debt-to-income ratio, which tells lenders how much debt a buyer has compared to the amount of income the buyer makes each and every month. Keep your debt down, and youíll be in good shape to buy a home. 


You Donít Need To Be Pre-Approved To Get A House


Being pre-approved gives you an upper hand in the home buying process. Being pre-approved allows your lender and you to go through the entire process of getting a mortgage. When you find a home that you love, youíre able to breeze through the process of making an offer if youíre pre-approved. The pre-approval process is one of the most important aspects of buying a home. 


If youíre prepared with knowledge, buying a home isnít such a daunting process after all. Find a realtor you trust, understand your finances, and the rest will fall into place!




Tags: Buying a home   finances  
Categories: Uncategorized  


Posted by Collins & Demac Real Estate on 7/23/2020

A lot changes when you move into a new home. For the first few weeks youíll most likely be focused on getting everything arranged and put away in their proper locations. Youíll be adjusting to your new work commute, meeting the neighbors, finding out where to shop, and so on.

Itís easy to forget about updating your budget during the first couple of months in your new home. However, if you want to be mindful of your spending and gauge the true cost of living in your new home, itís essential to start tracking expenses and creating your budget as soon as possible.

In this article, weíre going to show you how to make a new budget for your new home so that you can start accurately planning your long term finances. That way, you and your family can rest assured that you arenít living above your means in your new home and can stop stressing about spending.

Cost of living changes

When most of us move we think about the change of our mortgage payments, property taxes, and home insurance. However, there are several smaller changes that will occur in your day-to-day spending habits that you might not think to update in your budget.

First off, make a note of how much youíre spending on transportation (whether itís train fare or gas for your car) in your new home and adjust this on your budget. This is hard to predict before you move since you canít be sure of the traffic patterns until your first trip to the office.

Next, make a list of your monthly services, including utilities. Weíre talking about internet, cable, trash and recycling, heating and electricity, and so on. At the end of the first month, add each of those to your budget and decide if you want to spend less on any of them.

One surprise expense that many people have when they move is the cost of internet. Your old plan at your former residence might not cut it if you move to an area with different coverage.

Furnishing your new home

Even if youíre moving with most of your furniture and appliances, there will likely still be expenses that youíll need to plan for in your new home.

It might be tempting to make all of these purchases at once so that you can feel like your move is ďcomplete.Ē However, the best course of action is to include these items into your monthly budget so that you are prepared for emergency expenses.

Decide which items you need the most in your new home, and prioritize purchasing those on the first month. Youíll likely realize after just the first couple of nights in your new house which items you need now and which can wait.

Budgeting apps and tools

Everyone has their own preferred method of record-keeping. Some people keep their budget in a notebook or planner, whereas others like to use an app that they can access on their phone or laptop.

There are dedicated budgeting apps and web applications that link to your bank account and tell you how much left you can spend that month and if there is an issue with your budget. Several such apps are available for free in both Android and Apple app stores.

For a simpler budget, you can simply use the spreadsheet application of your choice (Excel, Numbers, and Google Sheets are all sufficient).

Regardless of what tool you use, make sure you check in on your budget frequently to ensure youíre sticking to it and making adjustments as needed.




Tags: budgeting   budget   moving  
Categories: Uncategorized  


Posted by Collins & Demac Real Estate on 7/22/2020

This Single-Family in Shrewsbury, MA recently sold for $660,000. This Colonial style home was sold by - Collins & Demac Real Estate.


15 Comstock Drive, Shrewsbury, MA 01545

Single-Family

$660,000
Price
$660,000
Sale Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Superbly maintained hip roof Colonial in vaunted Fox Farm Estates. Hilltop setting affords east views of Boston and lovely neighborhood appeal. The home has been carefully prepared with fresh interior paint, carpeting and window blinds. Gorgeous hardwood floors combine with wall to wall carpeting for quiet and comfort. Spacious kitchen with stainless steel appliances, center island and slider to deck. Fireplaced family room with vaulted ceiling and large picture window. Dining room can be closed off with french doors for special occasions. Master suite has cathedral ceiling, large walk in closet and full bath. Laundry on first floor in side entry hall. Finished basement with lots of light and bedroom area. Great location- close to grocery stores, schools and major routes.

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Categories: Sold Homes  


Posted by Collins & Demac Real Estate on 7/22/2020


24 Woodward Ave, Berlin, MA 01503

Single-Family

$324,900
Price

7
Rooms
3
Beds
2
Baths
Convenient downtown location in rural Berlin! Amenities include local farms galore, apple orchards, horse farms, conservation trails, Highland Commons, Solomon Pond Mall, Library, 19 Carter, Rtes 62/290/495 & more! Lg kit open to dining rm w/ slider to backyard. 1st Fl bath includes laundry for your convenience. 2nd Fl - 3rd bdrm could be a large walk in closet for 2nd bdrm. Attic provides additional living space or alternate bedroom options. Bring your green thumb to the patio & steep terraced area. In the upper yard, you'll find grapes, raspberries & blackberries, plus stone walls, a small barn & a sloped open space ripe for exploring! New Septic 2020! New Well 2019! Exterior painted 2017. Charming home in need of some updates & work. Backyard & terrace (w/ mature plantings) are overgrown. Great price to get into Berlin! OH 7/26 Sun 11:30-1:00 15 min time slots by appt only. Text LA or sch thru ST. 5 person limit/group. Covid-19 guidelines in place - Masks req'd & NOT provided.
Open House
Sunday
July 26 at 11:30 AM to 1:00 PM
COVID-19 Guidelines in place! Please bring your own masks to be worn at all times while on the property. Only 1 group in the home at a time. 5 person limit per group. Please keep children close to you at all times. To help manage the OH, please schedule a 15 minute time slot via ShowingTime or by texting the Listing Agent. Thank you!
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Location: 24 Woodward Ave, Berlin, MA 01503    Get Directions






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