Remember the home buyer tax credit has been expanded to include current homeowners who have lived in their current homes for 5 of the previous 8 years. There are income restrictions and homes must be under contract by April 30, 2010. Find out here how to take advantage of this tax credit and start searching for your new home here in the Andover area.
First time homebuyers rock on!
November 19th, 2009 pzuena Posted in First-time homebuyers, Tax Credit Comments Off
Looking for a condo north of Boston?
October 20th, 2009 pzuena Posted in Buyers, Condominiums, First-time homebuyers Comments Off
Turnkey! Bright, sunny and beautifully maintained both indoors and out this 2 bedroom condominium has much to offer. Appealing floor plan, private deck, plenty of windows,central air conditioning, new windows,ample closet and storage space, in-unit laundry and detached garage all conveniently located near shopping, schools and highways. Great location, terrific value offered at $199,000. Search the MLS for other condominiums and single family homes for sale in the Andover area.
83 Days — until the first time tax credit expires
September 8th, 2009 pzuena Posted in Andover Real Estate, First-time homebuyers, Tax Credit Comments Off
Yes, it’s still doable. Together we can find and close on your new home before the November 30th deadline. That’s when the federal tax credit program expires. But we’ve got to get started right away. We need to find out how much home you can afford, put together a plan and start looking at homes. The timeline doesn’t mean we throw caution to the wind….of course not. As your Andover buyer agent I will guide you through the home buying process diligently and carefully…tax credit or not, buying a home, especially your first, will always be l a critically important financial decision and one that deserves the guidance of an experienced professional. Contact me at RE/MAX Partners for a free no obligation buyer consultation. There has never been a better time to buy a home.
Only 115 Days Left to Take Advantage of the $8000 First Time Homebuyer Tax Credit
August 7th, 2009 pzuena Posted in Andover Real Estate, Buyers, First-time homebuyers, Tax Credit 1 Comment »
Time is running out…November 30, 2009 is the target date. You must close on your new home by then to qualify for this historic tax credit. Whether you’re looking for a home in Andover, North Andover or a nearby community the time to act is now! Take a look at this video and then start searching the MLS for your new home in the Andover area today and contact me, your Andover RE/MAX Real Estate Agent.
Only 116 Days left to take advantage of the first time homebuyer tax credit!
August 6th, 2009 pzuena Posted in Andover, Andover Real Estate, Buyers, First-time homebuyers, Tax Credit Comments Off
Click on the photo to find out more about the first time homebuyer tax credit
Time is running out…November 30, 2009 is the target date. You must close on your new home by then to qualify for this historic tax credit. Whether you’re looking for a home in Andover, North Andover or a nearby community the time to act is now! Take a look at this video and then start searching the MLS for your new home in the Andover area today!
Andover Home for Sale–New Price!
July 23rd, 2009 pzuena Posted in Andover, Buyers, Featured Listings, First-time homebuyers Comments Off
New price $329,900!
If you just drive by you’ll never see the surprisingly peaceful backyard retreat that comes with this charming Cape style home. From top to bottom this bright and sunny home is in truly move in condition. Close to Andover Center and commuter routes this home offers expansion possibilities as well as an oversized 2 car garage with plenty of storage. Abuts acres of conservation land! Contact me for more details or more listings in Andover, North Andover and the surrounding communities in the Merrimack Valley.
Buying A Home? This Information Could Help Improve Your Credit Score.
July 3rd, 2009 lheraty Posted in Buyers, Financing Options, First-time homebuyers, Mortgages Comments Off
Your credit score is critically important if you're buying a home. A favorable credit score will not only make it possible for you to obtain a lower mortgage interest rate, but will be an important factor in determining whether or not the lender approving your loan. 
If you are concerned about your credit score, there is new information about what credit scoring companies deem important. One change that is being made is that there is a significantly more negative importance on a person that carries their credit balance near the limit. Experts are suggesting that people try to keep all balances owed near 30% of available credit. Another important fact is that you should never close an account with a zero balance. If you close the account, it can alter your total Debt to Credit ratio. It works in your favor to have a long credit history. Also, do not apply for too many credit cards, especially from companies that do not set a spending limit. To raise your score, always pay your debts ON TIME. Your payment history makes up 35% of your score. A late payment can actually drop your score by up to 100 points and these late payments could last on your report for seven years. Bankruptcies last for ten years. If your score is below 620, people assume you are a bad risk dooming you to credit denial, sub prime interest rates, higher home insurance premiums, and possible checks form landlords withholding a lease.
To order a free report go to annualcreditreport.com.
If you are concerned about your credit score, there is new information about what credit scoring companies deem important. One change that is being made is that there is a significantly more negative importance on a person that carries their credit balance near the limit. Experts are suggesting that people try to keep all balances owed near 30% of available credit. Another important fact is that you should never close an account with a zero balance. If you close the account, it can alter your total Debt to Credit ratio. It works in your favor to have a long credit history. Also, do not apply for too many credit cards, especially from companies that do not set a spending limit. To raise your score, always pay your debts ON TIME. Your payment history makes up 35% of your score. A late payment can actually drop your score by up to 100 points and these late payments could last on your report for seven years. Bankruptcies last for ten years. If your score is below 620, people assume you are a bad risk dooming you to credit denial, sub prime interest rates, higher home insurance premiums, and possible checks form landlords withholding a lease.
To order a free report go to annualcreditreport.com. How To Get The Most For Your Money If Your Buying a Home Now.
July 1st, 2009 lheraty Posted in First-time homebuyers, Real Estate Buyers and Sellers Comments Off
If you are in the enviable position right now of looking to buy a home, enjoy the current market: the buyer’s market. Home sellers in Andover and North Andover are happy to start a dialogue with a potential buyer, so arm yourself with any and all information to get the best deal possible!
- Right now you have more time to look, so you will be better armed with the knowledge of which houses have been sitting on the market for a while. These homeowners might be more likely to negotiate.
- Consider looking at new construction. Builders sometimes offer incentives and sometimes have very attractive financing programs.
- In certain areas that have been hit a bit harder by the market downturn, you certainly do have the upper hand whilst negotiating - and can always ask for an upgrade or a major repair before finalizing the deal.
- Sellers are often happy to work with your timeline. Don’t be afraid to ask for a closing date that's convenient for you.
- Even some lenders are willing to negotiate. You might ask for free private mortgage insurance, a better interest rate or even lower closing costs.
- Hire a Buyer Agent who is familiar with the area. A good buyer agent will know her local market and be well equipped to negotiate the sale on your behalf.
- Sign up for free MLS listing alerts so you can see what homes are available in your Andover and North Andover neighborhood.
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Paulette Zuena
RE/MAX Partners
44 Park Street
Andover, MA 01810
Phone: (978) 482-3900
Contact Paulette -
