Robin V. Wish - Real Living Suburban Lifestyle Real Estate



Posted by Robin V. Wish on 1/14/2021


22 Dayton Ave, Westwood, MA 02090

Single-Family

$675,000
Price

8
Rooms
3
Beds
2
Baths
Picture perfect cape in sought after neighborhood! Fantastic layout with three large bedrooms and bath upstairs! The first floor features a front to back living room and family room, a large cabinet-packed kitchen w/ plenty of counter space and a sunny dining room w/ 2 corner cabinets. Hardwoods throughout! Updates include: Harvey windows installed 2004. New furnace, HW heater, and new tank in 2010, New main chimney, bricks and flashing 2016. New roof, gutters with leaf guard, new garage opening system, new door from garage to basement 2019. Interior rooms freshly painted fall 2020. A smartly finished lower-level play/exercise room is great for the whole family and conveniently located second full bath! This sweet house won't last! The stone walls, pretty gate, quintessential cape style, french doors in living room and two fireplaces ( family room is heated by pellet stove). Living room has a pellet insert which is negotiable. Floor plan w/ approximate room dimensions attached
Open House
Saturday
January 16 at 12:00 PM to 2:00 PM
Open house for this beautiful cape in Westwood's favorite neighborhood! Individual appointments not needed however - Please wear masks, social distancing will be practiced. See you then!
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Location: 22 Dayton Ave, Westwood, MA 02090    Get Directions

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Categories: Open House  


Posted by Robin V. Wish on 1/14/2021


22 Dayton Ave, Westwood, MA 02090

Single-Family

$675,000
Price

8
Rooms
3
Beds
2
Baths
Picture perfect cape in sought after neighborhood! Fantastic layout with three large bedrooms and bath upstairs! The first floor features a front to back living room and family room, a large cabinet-packed kitchen w/ plenty of counter space and a sunny dining room w/ 2 corner cabinets. Hardwoods throughout! Updates include: Harvey windows installed 2004. New furnace, HW heater, and new tank in 2010, New main chimney, bricks and flashing 2016. New roof, gutters with leaf guard, new garage opening system, new door from garage to basement 2019. Interior rooms freshly painted fall 2020. A smartly finished lower-level play/exercise room is great for the whole family and conveniently located second full bath! This sweet house won't last! The stone walls, pretty gate, quintessential cape style, french doors in living room and two fireplaces ( family room is heated by pellet stove). Living room has a pellet insert which is negotiable. Floor plan w/ approximate room dimensions attached
Open House
Saturday
January 16 at 12:00 PM to 2:00 PM
Open house for this beautiful cape in Westwood's favorite neighborhood! Individual appointments not needed however - Please wear masks, social distancing will be practiced. See you then!
More Open Houses
Cannot make the Open Houses?
Location: 22 Dayton Ave, Westwood, MA 02090    Get Directions

Similar Properties





Categories: Open House  


Posted by Robin V. Wish on 1/14/2021


22 Dayton Ave, Westwood, MA 02090

Single-Family

$675,000
Price

8
Rooms
3
Beds
2
Baths
Picture perfect cape in sought after neighborhood! Fantastic layout with three large bedrooms and bath upstairs! The first floor features a front to back living room and family room, a large cabinet-packed kitchen w/ plenty of counter space and a sunny dining room w/ 2 corner cabinets. Hardwoods throughout! Updates include: Harvey windows installed 2004. New furnace, HW heater, and new tank in 2010, New main chimney, bricks and flashing 2016. New roof, gutters with leaf guard, new garage opening system, new door from garage to basement 2019. Interior rooms freshly painted fall 2020. A smartly finished lower-level play/exercise room is great for the whole family and conveniently located second full bath! This sweet house won't last! The stone walls, pretty gate, quintessential cape style, french doors in living room and two fireplaces ( family room is heated by pellet stove). Living room has a pellet insert which is negotiable. Floor plan w/ approximate room dimensions attached
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Robin V. Wish on 1/11/2021

Many homeowners have a difficult relationship with their homeowners association. On the one hand, the HOA helps your community stay safe, clean, and makes it a desirable place to live which improves the property value of your home. But, on the other hand, homeowners associations can be a problem if you want to make a change to your property that they disagree with.

 In this article, weíll talk about some common issues that homeowners face in their dealings with homeowners associations and give you tips on how to handle them so that youíll have the best possible outcome.

 Study the rules carefully

It may seem like a nuisance, but your best defense when dealing with the homeowners association is to understand whatís expected of you. Not only will it help you stay on good terms with the HOA, but it will also make it easier to understand what your options are.

Itís a good idea to understand these rules and bylaws before you ever move into the neighborhood, but itís never too late to learn them. It might help you later on down the road should you want to paint your house or build a new structure in your yard.

Introduce yourself to the members

Itís best to get off on the right foot with the other members of your homeowners association. You donít want your first meeting to be a complaint against you, nor do you want to introduce yourself to someone only to make a complaint against someone else.

It will also give you a chance to ask questions about the community and to get an understanding of how easy or difficult it is to deal with the regulations of the homeowners association.

Donít assume ill-will

If you find that a complaint has been raised against you, donít act immediately. Take some time to compose your response and be sure to acknowledge the complaint. Odds are that the other members of the HOA arenít there just to give you a hard time.

Choose your battles

There are some things worth fighting for when it comes to your home. However, you donít want to be repeatedly challenging the HOA on small issues. Stick to the rules on the things that arenít hugely important, that way other members wonít come to expect issues from you.

Follow protocol

When youíre required to get permission from the board before making a change to your property, be sure you follow the steps laid out in your agreement. Doing so will avoid any unnecessary conflict.

Pay all dues and fines on time

Even if you are in the middle of a disagreement with the HOA, itís better to continue paying your dues and fines that to leave them outstanding. If you donít pay, you risk further penalty, including fees.

Plan ahead if you want to change the rules

If youíre dissatisfied with some or man of the rules of the homeowners association, odds are youíre not alone. First, start by talking with other neighborhood members. If they have similar views on the rules in question, you can bring them up collectively at the next meeting.

Your second option would be to run for the board and try to enact the changes yourself. However, you should never seek a position out of spite or anger. Only volunteer your time and effort if you want to lend a hand in your community and make life better for all of the inhabitants.

 




Categories: Uncategorized  


Posted by Robin V. Wish on 1/4/2021

Photo by Free-Photos via Pixabay

When youíre self-employed, itís difficult to decide whether you are ready to buy a house. After all, your income might come in spurts instead of having a regular check every week or two. Being prepared for the mortgage process increases the chance that your application will be approved. Self-employed people have more hurdles to jump because of the nature of their income, even those that make six or more figures.>

Difficulties in Qualifying for a Mortgage

Since youíve probably done a ton of research on mortgages and finding your dream home, you already know the basicsómake sure your credit is good, how much down payment youíll need and what you are able to afford. You may have a pretty good idea of what documents you need to provide and already have them ready. However, those pesky tax returns might come back to bite you.

Tax Returns

The biggest problem in qualifying for a mortgage when youíre self-employed is your tax returns. Most business people take every deduction allowed. However, while thatís great for your pocket since you pay less tax, itís bad for applying for a mortgage.

Part of your self-employment tax returns is your expenses. You probably claim things like utilities, cell phones, business meals and travel and have a ton of depreciation. When a lender looks at the tax returns, it doesnít add those things back inóexcept for depreciation. While you might make $300,000, your adjusted gross income on your tax return is going to be the number the lender looks at. If itís $10,000, youíre not going to qualify for that loan.

Alternative Methods

You could amend your taxes or you could wait for two years and not claim anything on your taxes. However, that means you will be paying heavily to the IRS. Or, you could find a lender who does non-conforming loans. Some lenders are sympathetic to self-employed people and will use other methods of verifying income. Some banks may look at your deposits for a year instead. Theyíll still ask for your tax returns, but will not use them to qualify your income.

Debt-to-Income Ratio

Your tax returns help lenders figure your debt-to-income ratio. While lenders are supposed to use your gross income, that does not hold true with self-employed borrowers. Lenders look at the adjusted gross income on your tax returns. That number is often lower than net income because of the expenses you deduct.

A lender adds up your debts and divides that number by your adjusted gross income. If you have a proposed mortgage payment of $1,200, a car payment of $650 and other credit lines, including credit cards of $500, you have $2,350 in debt. If your self-employed monthly income is $8,000, your debt-to-income ratio should be about 29 percent. But wait a second. Thatís not the number on your tax returns.

If the adjusted gross income on the last two years of tax returns is $4,000 and $2,500 respectively, then your average monthly income is going to be $3,250 (add the two together, then divide by 2). That means your debt-to-income is actually 72 percent. The highest a lender will ďgiveĒ you is 43 percent, though most will only consider your application if your debt-to-income is 39 percent not including your new mortgage and 33 percent including your new mortgage. In this example, a lender who uses deposits instead of tax returns will show a debt-to-income ratio of 29 percent.

If you are ready to purchase a house and want to learn more about qualifying for a loan, feel free to reach out. Together, we'll be able to get you into the home of your dreams, despite the hurdles.







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