Maria Acuna Real Estate



Posted by Maria Acuna Real Estate on 7/10/2020

This Single-Family in Springfield, MA recently sold for $152,000. This Ranch style home was sold by - Maria Acuna Real Estate.


28 Lorimer St, Springfield, MA 01151

Indian Orchard

Single-Family

$149,900
Price
$152,000
Sale Price

4
Rooms
2
Beds
1
Baths
Move right in to this 2 bedroom Ranch with 1 car Garage. Living room and Bedrooms have hardwood floors refinished and polyurethane. Kitchen includes appliances, updated cabinets, and tiled flooring. Each bedroom has Hardwood floors with closet. Basement area includes 2 finished rooms to be used as family room, excercise room, or office, plus room for additional storage. Beautiful back yard with large patio and 1 car detached garage.

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Categories: Sold Homes  


Posted by Maria Acuna Real Estate on 7/9/2020

Photo by Zhanzat Mamytova via Pexels

Many of today's fashionable life coaches tell us that cluttered environments mess with our sense of peace and calm, our focus, and our productivity. Plenty of gurus and television hosts urge us to declutter our desks and homes. And overall, they're right. Research does support the concept that a having a tidy living space and workplace is beneficial. But those messy spaces in your home or office might just inspire you in ways the clutter-free set has yet to notice.

Clutter Might Not Amuse, But Is It a Muse?

Some researchers tell us that clutter supports creativity.

They acknowledge the benefits of a tidy interior space: mainly, the pleasure of easily finding, storing, and keeping track of things. Cleaning out your space can also ensure that it is used more efficiently. And of course, minimalism is important when you go to sell your home.

But when a home is actually lived in, an uncluttered environment, for some folks, may be missing something.

Clutter is conducive to creativity. It stimulates a thought process that veers away from conventional reasoning. 

Clutter Has Its Place

You may find that filing away loose papers and neatly storing randomly scattered objects seems to hit an internal "refresh" button. You may suddenly feel more in control, calm...ready to take on all the tasks! Especially when you need to complete organizational work, your stress level should drop after a good tidying up. And if you're a chef, or working on projects requiring absolute precision, tidiness is paramount. But when you're doing work that requires creative thinking, the clutter cost-benefit analysis shifts.

In a tidy atmosphere, writer's block can get the best of you. Tasks that depend on originality and flair may stall.

When that happens, try going to a room with a lot of interesting, scattered things, with all sorts of hues and shapes and fragrances. See what happens. 

Synopsis: A Call for Moderated Clutter 

Decluttering might enhance productivity, but it can discourage creativity. Often, real creativity is unleashed during a person's least productive days.

Perhaps it's best to keep a balance. Clean when the situation calls for it. Tidy up when you need a break from sitting.

After all, the quest for perfect order can be a source of stress itself. Tidying in a more organic way can be relaxing, and it can help you rediscover unfinished projects merge well with whatever you're creating today. Let yourself appreciate the serendipity that some disorder creates. Meanwhile, take this as a stress reducer if you've been concerned about your clutter. Rather than trying to keep up with the decluttered Joneses, enjoy your environment—your way!




Tags: clutter   Creativity  
Categories: Uncategorized  


Posted by Maria Acuna Real Estate on 7/7/2020

This Multi-Family in Springfield, MA recently sold for $167,900. This style home was sold by - Maria Acuna Real Estate.


32-34 Smith St, Springfield, MA 01105

So End Central

Multi-Family

$159,900
Price
$167,900
Sale Price

3
Units
2,897
Approx. GLA
BACK ON MARKET! A wonderful income property for the right investor or great for owner occupied too. First and second floor are presently vacant and recently painted and ready for immediate occupancy! Legal two family but this unique multi family has A SEPERATE OWNER'S ELECTRICAL METER which covers the third floor and garage. Third floor is presently occupied by owner's property manager who exchanges labor for rent. Third floor is heated by electric space heaters, but this could be updated easily. First and second floor apartments have been remodeled recently and show nicely. Attractive corner location with fenced in yard and two car garage. A chance to make great income and live rent free. This home has been owned by the same family for two generations. Accompanied appointments with a 24 hour notice. This is the best priced multi family in town! Don't miss out, be sure to call soon!

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Categories: Sold Homes  


Posted by Maria Acuna Real Estate on 7/6/2020


75 Bryant St, Springfield, MA 01108

Multi-Family

$259,999
Price

2
Units
2,380
Approx. GLA
Welcome to this 2 family Boston Style duplex in the mid Forest Park Neighborhood. The unit left of the home has been well taken care of and lived in by its previous owner for 8 years. The kitchen and bathrooms have been updated. One full bath and a half.The unit right is ready to live in but could use a little TLC to reach its maximum potential. Unit right has only 1 full bath and a slash laundry/pantry room.The home includes a brand new roof, brand new siding, brand new water tanks, brand new windows, hard wired electrical, brand new insulation in the finished walk up attics, Both attics are heated and could be a fourth bedroom, an office or a family room. All 3 porches freshly painted. Beautiful white picket fence in the front to add some charm and a fully fenced in back yard for some privacy. The backyard does come with a brick patio but also hold the potential in making it what you desire. Owner will not vacant unit left tenant.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Maria Acuna Real Estate on 7/2/2020

Image by mohamed Hassan from Pixabay

Most homebuyers take out a mortgage when they purchase a house, and there are several different types of mortgages to choose from. Here are some of the more common mortgage options and the benefits of each one.

Conventional 30-Year Fixed Mortgages

Perhaps the standard starting point for a mortgage is the conventional 30-year fixed home loan. This mortgage is underwritten by a private lending institution but conforms to standards set forth by federal programs. The terms of the loan last for 30 years, and the interest rate is fixed so that it doesn’t change throughout this period.

A conventional 30-year fixed mortgage is a good option for many homebuyers. It lets you spread out the cost of a house across three decades, and you know what the interest and payments will be for the full duration of the loan.

Conventional 15-Year Fixed Mortgages

Conventional 15-year fixed mortgages are just like their 30-year counterparts, except these last half as long. Because the duration of these mortgages is half as long, homebuyers end up paying a lot less in interest.

You’ll have to pay more per month if you cram your mortgage into 15 years, but the interest savings are substantial. If you can afford higher monthly payments, this option will end up saving you a lot.

Adjustable-Rate Mortgages

Adjustable-rate mortgages come in various durations, just as fixed-rate mortgages do. The difference between the two is that the interest rate on an adjustable-rate mortgage can adjust. The interest rate is set according to an index, and as the index changes so does the interest rate on the loan. Which index is used and how adjustments are made are detailed in the paperwork of a loan.

Most adjustable-rate mortgages come with lower initial interest rates than fixed-rate mortgages offer, although the rates on adjustable mortgages can end up being much higher. If you can financially manage an increase in your mortgage’s interest rate, this option might be a way to save a little bit of interest (although there is risk involved).

Guaranteed Mortgages

The federal government offers several guaranteed mortgage options for qualifying individuals. Some of the most common ones are VA and FHA guaranteed home loans. 

In these programs, the government guarantees a mortgage if the homebuyer fails to make their payments. This reduces the risk to the lender, and many lenders relax their qualification requirements as a result.

If you can’t get a conventional mortgage and qualify for a federally guaranteed program, one of these could help you attain the dream of home ownership.




Tags: Mortgage   loans   home loan  
Categories: Uncategorized