Bo Lee - CENTURY 21 Commonwealth

Posted by Bo Lee on 3/1/2018

TRULY a Lovely Starter Home! * Well Maintained * Move-In Ready * A Unique Style home * Enter into a comfortable open Living Room with a Wood Burning Fireplace and Cathedral Ceiling * A BEAUTIFULLY RENOVATED KITCHEN (2016) with White Cabinetry, Granite Counters, S/S Appliances, a Pantry Closet and Spacious Dining Area * Hardwood Floors on the 2nd level * Just a few steps up to the 2nd floor to Three Great Bedrooms with Closets w/Organizers * UPDATED BATHROOM * Just a few steps down into the Lower Level is the Light & Bright Family Room * All Windows have been Replaced * ENERGY EFFICIENT HOME with Blown-in Insulation * GAS FURNACE 2011 * Ceiling Fans in the LR and All the Bedrooms * ROOF 2015 * A Good Size Private Backyard with a nice Deck and plenty of room for outdoor fun! * GREAT LOCATION - close to Shopping, Rt. 140 and Rt. 495 * YOU'LL LOVE THIS ONE!

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Posted by Bo Lee on 11/10/2017

You'll be PROUD to come HOME to this GORGEOUS PICTURESQUE NEIGHBORHOOD OF WILDLIFE ESTATES with Wide Streets, Sidewalks, Mature Plantings & Trees! This Beautiful Colonial sits on a Professionally Landscaped Corner Lot. Lovely Classic Brick Paved Walkway leads you to the Front Porch of this 4 BEDROOM 3.5 BATH home that has been METICULOUSLY maintained. A delightful KITCHEN THAT'S BEEN RENOVATED over the years includes Stainless Steel Appliances: a Sub-Zero Refrigerator, Thermador Range, built in Microwave & Wall Oven, Dishwasher & Trash Compactor. The Main Level also includes a Living Rm that opens to the Dining Rm, a Fireplaced Family Rm, Powder Rm, Mudroom area & convenience to a 2-car Garage. The 2nd level encompasses a large Master Bedrm w/ a Walk-In Closet (w/built in organizers) & a Beautifully RENOVATED MASTER BATHRM, 3 Good Size Bedrms, another Nicely RENOVATED HALL BATHRM & steps to the LAUNDRY closet! Grand Space in the FINISHED BASEMENT with a KITCHENETTE & FULL BATH! WOW!!!

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Posted by Bo Lee on 9/24/2017

Your thirties are a time of many important financial decisions. Many people are starting families, buying homes, and getting settled into their careers by the time they turn thirty. The following ten years are often marked by salary increases, moving into larger homes, and saving for retirement.

Itís vital to have a solid grasp on personal finance in your thirties, as it is in many ways the foundation of your finances for the decades to come. So, in this article weíre going to give you some advice on buying a home and managing your money in your thirties.

Straighten out your credit

If your twenties were a volatile time of incurring debts from student loans, car loans, and other expenses, then itís paramount to get your credit in order in your early thirties. Having a high credit score can secure you lower interest rates on a home loan or let you refinance your loans at lower rates.

Start by making sure your bills are on auto-pay, and be sure to settle any older debts from your younger years. You can also use a credit card for recurring expenses, such as gas to get to work or groceries, and then pay them off in full each month. This way, youíll build credit and avoid accruing  interest at the same time.

Reevaluate your lifestyle and long term goals

A lot can change from the time you turn 25 to the time you turn 35. Your goals might shift from finding a home near the ocean to finding a home near a good school district for your children. You might also have the shocking realization that your children will be heading to college sooner than it might seem, and that youíre still working on paying off your own student debt.

Consider things like the size house youíll need for your family, where you want to live and whether that involves being close to aging parents, and reallocating money depending on your retirement goals.

Rethink your insurance coverage

Gone are the days when all you needed was a car insurance policy to get by. As you age and your responsibilities grow, youíll need to think about the future for you and your family. That may include a more comprehensive health insurance plan for your family, a life insurance policy for yourself, or increased covered for home and auto insurance.

Automate the headaches away

With all of these growing responsibilities, it can be easy to get frustrated with the time youíre losing to keeping your finance in order. Fortunately, there are many tools at your disposal in the internet age that will make all of those responsibilities an afterthought.

First, get a budget planning app, like Mint or You Need a Budget (YNAB). Next, set up your bills to auto-pay if you havenít yet. Then, put reminders in your phone to periodically check your credit score and reassess whether you need to pay for certain monthly services (do you still watch Hulu?). Finally, if you havenít yet, make sure you have your paychecks direct deposited into the accounts youíd like them to enter so you donít have to worry about them.

Categories: Uncategorized  

Posted by Bo Lee on 9/21/2017

WELCOME to this New York Colonial located in the charming quaint town of HOLLISTON! This 4 Bedroom, 2.5 Bath is move-in ready! Many upgrades have been made over the years- Roof, All Windows, Garage Doors, Flooring, all three Bathrooms, Kitchen, Water Heater, Electrical Panel, & a BRAND NEW SEPTIC SYSTEM! A nice open Foyer welcomes you into this home w/two large coat closets. The upgraded Kitchen includes tons of cabinetry, Granite counter tops, Stainless Steel appliances---> a DOUBLE Oven, TRASH Compactor, FRENCH DOOR Refrigerator, COUNTERTOP Range & Dishwasher. Laundry & a Half Bath is conveniently located on the main level. The CATHEDRAL CEILING Living Rm is light & bright from the large transom windows & incandescent lighting. This home sits on a nice LEVEL LOT with additional OUTDOOR LIVING with access to a PATIO from the Family Rm/Den and a LARGE DECK right from the Kitchen. Extra storage in the partial basement, attic, garage & SHED in the backyard.

More Info on this Property | New Listing Alerts

Posted by Bo Lee on 9/17/2017

Selling your house in a short amount of time has so many advantages. The sooner you sell your current house, the sooner you can move into your dream home. An early sell also keeps you from taking on additional debt, especially if you are moving to start a better job, gain more space or relocate to a safer neighborhood.

Take these precautions when selling your home to a family member

Selling your home to a family member could be a quick way to a house sell. But, there can be drawbacks. To avoid entering a bad deal with a relative, consider taking the following precautions:

  • Run a credit check on the relative - Don't assume that a family member is financially responsible. Also, don't assume that just because a relative has a high paying job that his credit score is good. If you're selling the house direct, without working through a realtor, accept what the lender says when they tell you that the relative is a high credit risk.
  • Leave the legal aspects of the deal to the lender - Make sure that your relative goes through the entire home loan process with a lender. Avoid creating "outs" for your relative, this includes taking on another mortgage and letting the relative pay you monthly payments.
  • Give your relative a great home - Just as you don't want a relative to buy your house then back out when it comes time to sign the contract, commit to giving your family member the best house. Get the home inspected. Tell your relative about issues with the house. Avoid keeping the fact that the roof or the basement leaks during hard rains a secret.
  • Be honest about the neighborhood - Even if your relative visits during major holidays, they don't live with you. Tell your family member if neighbors play their music loudly on weekends or late at night.
  • Sell your house at a competitive price - This could be one of the trickiest parts of selling your home to a family member. As tempting as it might be, avoid shaving thousands of dollars off the price of your house to make your home more affordable for a relative or to save your family members money.
  • Stay away from the desire to impress - Keep your house in good condition. But, don't pay to add rooms onto your house because you want to impress a family member with the size or style of the house.

Selling your home to a family member can pay off

Selling your home to a family member is an easy way to find a buyer. It can save you advertising and marketing money. It can also keep you from having to take on a realtor and pay commissions. But, there are challenges to look out for when selling your home to a family member. You can avoid or overcome these challenges by setting clear boundaries up front. Let relatives know that they must adhere to the same home buying rules as a non-family member.

This means you pay attention to a relative's credit rating. If you know that a relative is not good at meeting her financial obligations on time, consider walking away from the deal. By making sure that you work with a relative who is not only financially responsible but who also takes full responsibility for themselves and what they own, you could increase the likelihood that the house will betaken care of, which could potentially keep the property in your family for generations.