Date: 12/21/2014 Time: 11:00 AM to 12:30 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

FIRST TIME ON MARKET since 1991! Immaculate, well-maintained townhouse at the highly sought after Nugent Farm condominium development in beautiful Gloucester! Original builder custom-built the lower level family room and sitting room with wood pellet stove and a large full-bathroom with linen closet–great for showering off after your day at the beach, and 3rd floor bedroom with closet. Great place to call home! Leave all your outside maintenance and landscaping to those who do it best; leaving you with time to focus on what is important-YOU! Make sure you don’t miss out on the opportunity to have Good Harbor Beach and water views as part of your daily routine!

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Date: 12/21/2014 Time: 11:00 AM to 1:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Direct Ocean Front ! Picture perfect post card view of Thatcher Island and the Historic Twin Lighthouses. This gracious home offers breathtaking views of the Atlantic from almost every room. This residence features a large eat-in kitchen and a formal 18 x 14 dinning room with built-in cabinetry .The fire-placed 26 x 18 living room has breathtaking views of the Atlantic and beautiful hardwood floors. There is a full bath with each of the 3 bedrooms. Master bedrooms with private baths on the first and second level so you can choose which is best for you now or in the future .3 wood burning fire-places. There is a library made of exquisite chestnut walls with book shelves and fire-place . Plenty of natural light. Multiple glass sliding doors lead to out-door patio and in-ground pool. See the ocean while relaxing pool side. This Fabulous New England home offers swimming and fishing right off the rocks. Throw in some lobster pots and see what happens. The perfect summer or year round home.

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Ipswich, MA:

This Single-Family in Ipswich, MA recently sold for $549,900.

This is a Ranch/Multi-Level style home and features 6 total rooms, 3 full baths, 2 bedrooms, 0.30 acres, and was sold by
The Militello Team – J. Barrett & Company

Here are some other properties available in Ipswich,MA you may like:

Ipswich
$549,900
Ipswich
$479,000
Ipswich
$479,000
Ipswich
$519,500



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You might have seen the ads on TV about reverse mortgages, but what is a reverse mortgage? It is a loan for older homeowners that uses a portion of the home’s equity as collateral. Instead of the homeowner paying the lender, it is the lender that pays the homeowner based on the equity in the home.

How much can be borrowed?

The amount that can be borrowed in a reverse mortgage is determined by an Federal Housing Authority (FHA formula).  The formula considers age, the current interest rate, and the appraised value of the home.

What are the requirements for a reverse mortgage?

You must be at least age 62

The home must be owned free and clear or all existing liens.

Any mortgage balance must be paid off with the proceeds of the reverse mortgage loan at the closing.

There are usually no income or credit score requirements.

How is the loan repaid?

The loan cannot become due as long as at least one homeowner lives in the home as their primary residence and maintains the home in accordance with FHA requirements (keeping taxes and insurance current).

The must be repaid when the last surviving homeowner permanently moves out of the property or passes away. The estate will have approximately 6 months to repay the balance of the reverse mortgage or sell the home to pay off the balance.

 

Swampscott, MA:

This Single-Family in Swampscott, MA recently sold for $419,000.

This is a Colonial style home and features 7 total rooms, 2 full baths, 1 half bath, 3 bedrooms, 0.12 acres, and was sold by
The Militello Team – J. Barrett & Company

Here are some other properties available in Swampscott,MA you may like:

Swampscott
$359,000
Swampscott
$349,900
Swampscott
$369,000
Swampscott
$335,000



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A foreclosure used to be a major black mark on your credit record and meant you could not obtain financing to buy another house for seven years. There is hope that if you have suffered through a foreclosure your ability to qualify for another mortgage may not be as compromised as you think.

Today most buyers will only have to wait three years and depending on the reason you lost your house, the wait could be even shorter. Some potential buyers they may qualify for a mortgage as soon as 24 months after the fact if the foreclosure was the result of “extenuating circumstances”. Extenuating circumstances could be a serious illness or the death of a wage earner. Things that are not considered life-changing events are divorce, a business failure or too much debt.

Waiting the required time period after extenuating circumstances won’t automatically qualify you for a new loan you also have to demonstrate that you can handle credit and afford the payments.

Downtown Peabody great location for office or Retail.

This property features 0.20 Acres, and is currently available for $1,850.

For complete details click here.

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Downtown Peabody great location for office or Retail.

This property features 0.20 Acres, and is currently available for $1,200.

For complete details click here.

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Great Centerville Colonial home with up to 5 bedrooms if needed. Lovely level back yard great for any outdoor activities.1 car detached garage.Large Kitchen with maple floors and oak cabinets.Flexible floor plan allows for first level living room ,dinning room, family room, office and if needed a first floor bedroom. Great location with easy access to train and commuter routes.

This is a Colonial style home and features 9 total rooms, 2 full baths, 4 bedrooms, 0.44 Acres, and is currently available for $399,900.

For complete details click here.

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There are different types of pest control measures, all of which target specific pests. What works in the home may not necessarily work outside. Knowing the type of pest you are up against will help determine what measures are needed.  The following information will provide a basic understanding of pest control.

Eliminating Breeding Grounds

The first step to pest control and the safest measure is to eliminate breeding grounds.  Remove trash, yard and garden debris, and other clutter where pests breed and nest. Be certain drainage systems are in working order to eliminate stagnant water. Keeping the area surrounding your house clean and free of pest habitat will help inhibit the growth of a variety of species.

Biological Pest Control

This is the control of pest in a biological manner, pests are effectively dealt with and controlled. Controlling mosquitoes for example with the use of bacteria  Bacillus thuringiensis ssp (Bti)  will kill off mosquito larvae with no effect on other species. This method has the least negative impact on the ecosystem.

Pest Traps

Pest traps are available in many styles and are safe and effective for many pests.  You can find anything from an insect trap that is safe to put in your pantry, to a catch and release rodent trap for your yard.  A bit of research will help you determine which trap is best for your pest control needs.

Poisoned Bait

If you are combating rodents, this is a very effective method that’s being used in many households.  The poisoned bait is placed in areas experiencing the most pest presence.  As with all poisons, once consumed the pest will die.  However, this method comes with potential risks to pets and should not be used in households with small children.  A pest control specialist should always be consulted prior to using poisoned bait to ensure it is a safe option for your household.

Space Fumigation

This is one of the most costly means of pest control but very effective. It can be used even in open spaces. This involves the use of an air tight spray kit in which there is no vacuum. The fluid is pumped out as fumes through the nozzle, permeating the environment. The advantage of this is that the kit can be used for almost any type of liquid fumigant, the disadvantage is that it can have a negative effect on the ecosystem.  This type of pest control must be administered by a professional pest control specialist.

An individual should never use pest control products without the guidance and supervision of a pest control specialist.  Read all labels carefully and adhere to all hazardous warnings associated with any pest control products you are considering using.

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