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USDA Loan Availability on Cape Cod

USDA Loans

USDA loans on Cape Cod are no longer going to be available to the towns of Barnstable, Bourne, Dennis, Falmouth, Harwich, Mashpee, Sandwich and Yarmouth. This change, according to the mortgage rep that gave us the information, is going to take place on February 28, so there is still time, but not much.

There are a lot of sites that state they are the “official” site, but this is the “real one”: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

USDA loans are great for those that qualify.  The one issue I have seen come up is that the appraisal is a much more in depth process and becomes something of an inspection.  Here is a document outlining some of the guidelines: http://www.rurdev.usda.gov/Publications/WI-RHS-Originator-Manual-Section-3-Property-Eligibility.pdf

Any repairs found, under the USDA guidelines, by the home inspector, pest inspector or appraiser will, typically have to be completed prior to closing. Because of this process, USDA loans are not ideal for homes that need quite a bit of work.

If you have questions concerning USDA loans give us a call.  We can put you in touch with a mortgage representative who is knowledgeable about them.

Sold in Truro!

4 Warren Pl Truro MA offered at $188,900

Bring Offers!! Beautiful .78 acre lot in Truro less than one mile to Corn Hill Beach. Possible access via Warren Place or Eric's Road. Seems to meet guidelines for a developable lot per the Town of Truro but all information should be verified and buildability is subject to Buyers due diligence/permitting with Town of Truro. All offers considered!

Winter Storm Nemo

Already getting windy in Chatham.

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Flags out at Chatham Light.

Harwich Market Statistics

Harwich Market Statistics

My associate Trevor loves to crunch numbers and is really good at it. One reason we picked our website provider is that within the system there are numerous options for exploring market statistics.

We find that “knowing the numbers” helps us to accurately advise our clients and that is one of the most important parts of representing our clients.

Take a look at what the “single family” Harwich Market (all villages) has done over the last month:

There are 134 Single Family properties for sale in Harwich
•Prices range from $170,000 to $12,950,000
• Average price is $768,528
• Median price is $489,000

Breakdown of those 134 Single Family properties for sale in Harwich – By Bedrooms

20 are Two Bedroom properties
Prices from $189,900 to $589,000
Average price is $340,940
Median price is $332,000

53 are Three Bedroom properties
Prices from $239,000 to $2,750,000
Average price is $614,791
Median price is $457,000

41 are Four Bedroom properties
Prices from $170,000 to $2,500,000
Average price is $689,734
Median price is $524,500

12 are Five Bedroom properties
Prices from $225,000 to $4,500,000
Average price is $1,347,158
Median price is $864,000

5 are Six Bedroom properties
Prices from $499,000 to $12,950,000
Average price is $3,504,600
Median price is $1,647,500

3 are Nine Bedroom properties
Prices from $379,000 to $679,000
Average price is $537,333
Median price is $616,500

Breakdown of those 134 Single Family properties for sale in Harwich – By Price Range
•There are 4 Single Family properties below $250,000
• There are 53 Single Family properties between $250,000 and $500,000
• There are 30 Single Family properties between $500,000 and $750,000
• There are 13 Single Family properties between $750,000 and $1,000,000
• There are 18 Single Family properties above $1,000,000

Breakdown of those 8 Single Family properties sold in Harwich – By Bedrooms

2 were Two Bedroom properties
Sold from $199,100 to $235,000
Average selling price was $217,050
Median selling price was $332,000

4 were Three Bedroom properties
Sold from $245,000 to $425,000
Average selling price was $312,000
Median selling price was $457,000

1 was a Four Bedroom property
Sold at $375,000

1 was a Five Bedroom property
Sold at $1,550,000

Hope you found useful information within this breakdown. If you have any questions feel free to give us a call at our Team ph# – 508-258-9010. We are always happy to discuss general market conditions or specific properties.

Sincerely,
William Raye – 508-432-7856
Trevor Libby – 774-212-5306
Bayside Realty Consultants

All statistics automatically generated using CCIAOR MLS data and although we endeavor to keep the information as reliable as possible please understand that mistakes do happen!