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Interested in selling your home? Fill out the Free Market Analysis and find out what your home is worth. Are you at the beginning stages of selling or buying a new home? Then check out our very helpful buying and selling tips. Don't know what you can afford? Then see today's rates and calculate your monthly payments with my mortgage calculator.
Whether you are just browsing properties, or are a serious buyer or seller, this website can help you every step of the way. Always come back to visit our website. we always have new blog postings at the bottom of this page and real time Sunday Open House listing of Waltham, Ma updating every 30 minutes of every day.
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WHAT OUR FAMOUS CHIMNEY SIGN IS SAYING RIGHT NOW! We love this sign so much so we decided to post it here on ERAKIRSCH.com as well!
There has been a lot of discussion up on Capitol Hill
regarding down payments for mortgages. The feds with the support of lenders are
contemplating the idea of regulating the down payment to residential purchase
loans in response to the mortgage crisis. The new regulation would require all
residential buyers to put down a minimum of 20% on all residential purchase
I don't see this as a good idea for the economy and the real
estate market. In Waltham,
it isn't out of the norm to have a home buyer put down as little as 3% on a
home purchase loan, even in this market. Its how the middle class people are
buying homes. The qualification process is much tighter now, and lenders and
banks are taking great care to make sure today's buyers can actually afford the
Taking away the ability for buyers to put down less than 20%
will only crush this very fragile market. I believe it will destroy home values
and take away jobs. The middle class are the primary borrowers who seek loans
with minimal down payments. Taking away these types of loans will take away the
basic American dream for many people. Buying
a home today is already difficult. For the most part, it requires dual incomes,
good credit and solid employment history. With the cost of living constantly on
the rise, saving money is a challenge.
The math is simple, for a $350,000 purchase, (This is less
than the average sale price in Waltham)
a 20% deposit would be $70,000! I read it would take the average American
family over 15 yeas to save up a 20% down payment to purchase a home.
It's my opinion that there are no winners with this sort of regulation
and I don't think it protects anyone. Home values would plummet, affecting
everything including real estate tax, which are the revenues for local towns and
city's. Home ownership shouldn't be this hard to obtain.
One of the best programs for both the seller and the buyer
is the Home Protection plan or HPP.
The Home Protection Plan is a product used by some
REALTOR’s, like me, to add a layer of confidence and saleability to a home. In
general, you can compare it to an extended warrantee for a car. The program
protects all the "working” components and mechanical systems of a home from unexpected
and costly breakdowns and repairs for one year after the buyer takes possession
of the property. It covers plumbing, electrical, heating (some time limited),
Air conditioning (sometimes limited) and most appliances. The program can even
extend to the seller during the listing period.
Why would you want this? That’s simple, older homes have
older working parts which buyers notice. A buyer walking into an older home
starts thinking "what if” this breaks, or that fails? A plan like the HPP can
take away the feeling of unknown "costs” with older homes and give the buyer a
level of comfort that if "something” breaks, it’s covered and won’t effect
their tight operating budget.
The HPP allows older home to compete with younger homes in
the market place and is known to help a house fetch a better price. My past
buyer clients know the HPP as a "DEAL
SAVER” allowing them to buy a house the really love knowing a
mechanical breakdown won’t break the bank. The HPP also can also help home
I always use the ERA Home Protection Plan and stand by the
product. There is a fee to the program which will cost about $400. I personally
feel this program is fantastic and have seen what it can do for both sellers
and buyers. That’s why I will cover the cost of the program every time.
If you want further information on the HPP, please give me a
call. I’d be more than happy to tell you all about it.