Jun 3, 2013
121 Camp St #3 Yarmouth MA offered at $160,000
Mill Pond Village detached condo. 2 bedrooms 2.5 baths, 1st floor laundry, gas hot air heat and central a/c. Master bedroom has 2 closets and a private full bath. This unit is backed up to a wooded area and seller has planted large bushes for privacy and a great back yard including: paver patio, fire pit and outdoor shower. Make this your perfect 2nd home to primary residence.
May 25, 2013
52 Run Pond Rd Yarmouth MA offered at $259,999
Explore the beautiful villages of South Yarmouth and Bass River from this freshly painted three (3) bed room, one (1) bath ranch near some of the best beaches on Cape Cod. With South Middle Beach just at the end of the street, Bass River Beach and boat ramp down a little further as well as Windmill Park about .5 miles away there are no shortage of summer activites within reach. Not to mention the close proximity to shopping, restaurants and other South Yarmouth amenities. Hardwood floors throughout many of the rooms and replacement windows are some of the other improvements completed by the owner. All information should be verified by the buyer. A pleasure to show! Thank you
May 4, 2013
609 Main St Harwich MA offered at $645,700
So much square footage for the price!! Over 4000 sq/ft with 5 bedrooms and 4.5 baths including a separate in-law apartment. The main house, custom built in 2006, features both first and second floor master bedrooms – hardwood floors – central vacuum – central AC – tiled sunroom – hot tub room – kitchen w/granite countertops – large living room – formal dining room – a huge full basement – deck and stone patio. The in-law apartment has one bedroom, hardwood floors, a full bath, open kitchen living room design, an enormous deck overlooking the backyard and even a separate home office space in the walkout basement. All of this close to Historic Harwich Center amenities…A truly unique property that needs to be seen to appreciate. All information provided should be verified by the buyer.
Apr 5, 2013
Mortgage and Refi Process List
We recently were at a meeting with a mortgage representative and she gave us a list of what will typically be required for a loan submission. This pretty much covers new purchases and a refinance.
I added a few that are specific to those of us who are considered “self employed”.
Social Security Number
Copy of Drivers License
Current Paystub (Gov’t Loans require 1 months of paystubs)
Last 2 Years of W2’s
Last 2 Years of Complete Federal tax Returns
Pension or SS Income: 2 Months of Bank Statements auto deposits OR award letter and 1099’s for 2 years.
1 Months current Checking/Savings Statements
1 Months current Investment/Retirement Statement – include all pages for all Statements.
Current Tax Bill
Current Insurance Bill
Current Mortgage Statements
Employment Verification
If Self-Employed – Current business licenses and often a letter from your CPA saying how long you have been “self-employed”.
Upon Loan Submission the loan officer will need a credit card # to cover the appraisal.
Prior to Closing:
Insurance Binder or Declaration page of Insurance for Refi.
They will often verify employment just prior to closing.
For a PreApproval
They will need:
Full Name
Birthdate
Social Security Number
Current Home Address and how long you have lived there (they need a 2 year history).
If paying rent-how much monthly.
If you own another property they need all the info
2 year employment history- full name of the company, address, phone#, how long you have been there, your title and how long in a particular field.
Yearly gross salary or hourly wage
If retired or military they will need the gross amount of monthly or yearly income
Assets – name of checking/savings and the approximate balances
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