Maria Acuna Real Estate



Posted by Maria Acuna Real Estate on 1/16/2019

This Single-Family in Springfield, MA recently sold for $175,000. This Colonial style home was sold by - Maria Acuna Real Estate.


90 Audubon St, Springfield, MA 01108

Single-Family

$165,500
Price
$175,000
Sale Price

6
Rooms
3
Beds
1/1
Full/Half Baths
BACK ON MARKET!!! Financing fell through. Spacious Colonial offers 1 1/2 Baths and Detached 1 Car Garage, New Gas Heating System and Hot Water Heater installed on 8/26/18, Fresh Paint throughout, Gleaming Hardwood Floors throughout, New Black Appliances, Large Deck overlooking Fenced back yard, Enclosed Side Porch, Lower level partially finished just needing your personal touches, and so much more. Very convenient location minutes from Shopping, Casino and Highway access. Seller Addendum will be provided at time of accepted offer. Very little left to be done here.

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Categories: Sold Homes  


Posted by Maria Acuna Real Estate on 1/10/2019

Unmarried couples often find themselves surprised at the additional steps it takes to buy a home compared to their wedded friends.

This guide will help you prepare for buying a home together as an unmarried couple:

Banks will assess you differently than they would a married couple.

Whereas they look at a married couple as a single financial unit, you and your partner will be assessed individually. This certainly has its proís and conís. Know that if one partner has a significantly lower credit score it can affect your eligibility for a loan as a couple.  

Legal ownership of the title will be different.

Unmarried couples have three options when it comes to title ownership: sole ownership, joint tenants and tenants in common.

Tenants in common is the most popular. The difference between tenants in common and joint tenants is this:

  • In a joint tenancy ownership is 50/50. If one partner were to become deceased, ownership of their half of the property would carry over to the other partner.

  • Tenants in common ownership can be disproportionate to reflect each partners level of investment.  If one partner were to become deceased, their living trust would inherit ownership of their portion of the property if another option is not otherwise specified in their will.

  • Sole ownership is just that. One partner owns full legal ownership of the property. This option can have tax benefits and increase your financing eligibility if one partner has a higher income or better credit score than the other.

Itís highly recommended for unmarried couples to sign a property, partnership or cohabitation agreement when buying a home together. This is a legal precaution to safeguard both partners in the future should anything happen.

If your finances are separate it is ideal to at the very least create a joint checking account from which to draw the down payment and mortgage installments. This is especially true if both partners are contributing to these payments. It create a clean, clearcut payment process each month.

Know each other's finances.

Discuss your credit scores, debt burden, savings, investments and financial goals. Get clear on where you each stand and how these factors will influence your buying process. Create a budget together as a couple to ensure you can take on not just the responsibility of a mortgage payment but also closing costs, homeowners insurance, property taxes and maintenance costs. Plan for savings like retirement, nest egg, family planning, future vacations, and emergency funds.

Buying a home together as an unmarried couple is a different process than that of married couples. However, that doesnít mean it has to be harder. With an understanding of what to expect ahead of time and a plan in place, the process can be a smooth one.






Posted by Maria Acuna Real Estate on 1/8/2019


0 Grove St, Springfield, MA 01101

N End Brightwood

Land

$18,000
Price

0.11
Acres
Residential
Land Type
Build Build Build !!! Bring your builder and get started on this Clear Flat Residential Lot that once had a two family home on it. Buyer/Buyer Agent to verify usage with The City Of Springfield.
Open House
No scheduled Open Houses

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Tags: Springfield   Real Estate   Land   01101  
Categories: Price Change  


Posted by Maria Acuna Real Estate on 1/4/2019

This Single-Family in Springfield, MA recently sold for $189,900. This Ranch style home was sold by - Maria Acuna Real Estate.


183 Waldorf St, Springfield, MA 01109

Single-Family

$189,900
Price
$189,900
Sale Price

7
Rooms
4
Beds
2
Baths
Updated Ranch on a Dead end Street 4 Bedrooms 2 full baths Updated and economical gas forced warm air, on demand gas hot water system and central air conditioning (one year old apo). Remodeled kitchen with new cabinets, granite countertops, stainless steel appliances and tile floor. Master bedroom with walk in closet and cathedral ceilings. Partially finished basement with den and bedroom add extra livable square footage. Yard is nicely landscaped, the backyard is spacious and fenced in. This house is a must see, call to set up your showing appointment now!

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Categories: Sold Homes  


Posted by Maria Acuna Real Estate on 1/3/2019

This Single-Family in Springfield, MA recently sold for $171,000. This Cape style home was sold by - Maria Acuna Real Estate.


689 Bay St, Springfield, MA 01109

Hill McKnight

Single-Family

$159,000
Price
$171,000
Sale Price

5
Rooms
3
Beds
2
Baths
Hola! Spacious young vinyl sided home waiting for you. First floor offers good size living room that brings you to large eat-in kitchen with sliding doors to deck, yard with patio and shed. Great for gatherings. First floor bedroom has a fabulous extra large walk-in closet. Second floor offers two extra large bedrooms with plenty of closet space and another full bath. Plus finished basement with family room. Gas Heat. Circuit Breakers. Central Air.

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Categories: Sold Homes