320 Thacher St, Milton, MA 02186

Single-Family

$949,900
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
Welcome home to 320 Thacher St..This lovely 9 rm. Colonial features 9 Rms, 4 Bdrms & 2.5 bths. Attention to details shows throughout this custom home built by a local contractor in 2014. Move in ready w/ all the updates done for you! The first fl. features a great layout for entertaining. A new kitchen w/ stainless appliances & granite counter tops opens to a family rm. w/ gas fireplace & access to your deck. Enjoy movie night in your Living Rm w/ a beautiful stone fireplace. Additionally there is a half bth & mudroom w/ built ins for storage. The second fl. offers 3 oversized bedrms w/ great closet space, a beautiful full bath and laundry rm. The third floor offers an oversized bdrm, great space for a home office along w/ a spa-like bth. Outside enjoy your fenced in backyard! Stunning brazilian cherry flrs. throughout, 3 zone heating & cooling, new kitchens & bths. Enjoy summer concerts on the Town Green, close to schools, library & more! Only 9 miles to downtown Boston.
Open House
Sunday
July 21 at 1:00 PM to 2:30 PM
Cannot make the Open Houses?
Location: 320 Thacher St, Milton, MA 02186    Get Directions

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This Single-Family in Milton, MA recently sold for $1,205,000. This Colonial style home was sold by Office Rege - Kelley & Rege Properties, Inc..


7 Stonehill Ln, Milton, MA 02186

Single-Family

$1,275,000
Price
$1,205,000
Sale Price

8
Rooms
4
Beds
3/1
Full/Half Baths
Welcome Home! Classic New England Colonial ready for New Buyers! Situated on a Cul De Sac in the much loved Scotts Woods Neighborhood. A special home nestled into a great street minutes from all major routes. From the moment you enter you will feel at home. Sun fills every room! Welcoming Foyer, Spacious Living Rm with Fireplace, Office, 27 x 13 Kitchen with Stainless Steel Appliances , Dining Area & Island overlooking Patio & Backyard. Half Bath & Family Rm with Built Ins & Slider leads to Deck for your Summer Cookouts. Second Floor features Master Bedroom Ensuite with Full Bath with soaking Tub and Separate Tiled Shower plus Large Walk In Closet. Plus 2 spacious Bedrooms. Third Floor offers many options. Fourth Bedroom and Full Bath plus 32 x 18 Bonus Room. This is great space for Family or Au Pair Suite. This home has so much to Offer. Blue Hills minutes away for hiking & sking, University Station a vibrant community w/ Commuter Rail, Lifetime Fitness, Wegmans & more.. NEW SEPTIC

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We all know that buying a home is a significant decision that comes with a great deal of financial planning and preparation. However, few of us are taught the ins and outs of actually obtaining a mortgage to make your dream of homeownership come true.

Mortgages are a complicated business that is always changing, both with fluctuations in market rates and with policy decisions.

But, if you’re hoping to buy a home in the near future, it’s important to understand all of your options when it comes to mortgages.

In today’s post, we’re going to address the 20% down payment myth, where that number comes from, and what your options are when it comes to applying for a mortgage.

Where does the 20% down payment number come from?

For most people, 20% of a house is a serious amount of money that would take years to save up. If you’re a first-time homebuyer and don’t have any equity to use from selling another house, 20% may seem like an impossible amount to save within the time you want to buy a home. Fortunately, there are several ways to buy a home without having 20% in cash saved up.

But first, let’s understand where that number comes from.

Most mortgage lenders will want to ensure that lending to you is a safe investment of their money. They want to know that they’ll earn back what they’re spending. To do this, they use several methods.

First, they’ll check your credit history to see how often you pay your bills in time. Then, they’ll want proof if your income and financial stability. Finally, they’ll ask for either a down payment or a guarantee that you will pay them back. Here’s where that 20% comes in.

If you don’t have 20% of the mortgage amount saved for a down payment, you will typically have to pay something called private mortgage insurance. This is an extra monthly fee, on top of your mortgage payments with interest, that you pay to ensure the lender that they’re seeing a return on their investment.

Most homeowners put much less than 20% down

If you’re feeling bad about the amount of money you have saved for a down payment, don’t be! In fact, most first-time homebuyers put, on average, just 6% down on their first home.

Since first-time homeowners don’t have the benefit of equity they’ve accumulated by making payments on their previous mortgage, they often have to come up with down payments out of pocket.

Other options besides a 20% down payment

There are several ways to secure a mortgage without putting 20% down on the home. First, check to see if you are eligible for any loans that are guaranteed by the government. These can come from the Department of Veterans Affairs (VA), or the USDA single-family home program.

The third option is to take on private mortgage insurance until you’ve paid 20% of your mortgage payment.

Private mortgage insurance can be paid to an insurance company or to the federal government in the case of FHA loans, you can put down as low as 3.5%.


Between these three options, you should be able to find a mortgage that you can afford and one that will give you the best possible financial stability in the long-term.



118 Dudley Lane, Milton, MA 02186

Single-Family

$985,000
Price

10
Rooms
4
Beds
2/1
Full/Half Baths
Welcome Home! 10 Rm, 4 Bd, 2.5 Bth Colonial with a 2 car Garage. Set on a private lane on a beautifully landscaped private 1.01 lush acre. Great location walk to Milton Academy, Fontbonne & East Milton Sq. Minutes from Rt 93 easy commuting to Boston too. Sun filled from every room. Welcoming Foyer w/ Sitting area & Double sided Fireplace flows into spacious Living Rm overlooking private grounds. Formal Dining Rm , Kitchen with New Stainless 6 Burner Gas Stove & Dishwasher and Family Rm. Second Floor features Master Suite w/ 22 x 21 Master Bedroom, Master Bath and wall of closets. Three additional Bedrooms and Full Bath. Gleaming hardwood floors throughout. Lower level has Game Room and Laundry. Plenty of outdoor choices enjoy relaxing on your patio, barbecue on your deck or summer games in your awesome yard. Don't miss this spacious home 8 miles from Downtown Boston!
Open House
Saturday
July 13 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 118 Dudley Lane, Milton, MA 02186    Get Directions

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1018 Pleasant St, Weymouth, MA 02189

Condo

$349,000
Price

6
Rooms
2
Beds
2/1
Full/Half Baths
Sun-filled 2 Bedroom 2.5 bath town-home in Pinebrook East offers an open floor plan on the first floor and 3 levels of living space! A great flow of kitchen, dining area, half bath and living room with sliders leading to your deck.The finished basement is expansive room with sliders that walkout leading to a small, private fenced in yard. The possibilities are endless to use this room as a family room, home office, playroom or work out area. This town-home is conveniently located with easy highway access and just minutes to public transportation with the commuter rail close by. Come make this great community your new home!
Open House
Sunday
July 14 at 12:00 PM to 1:00 PM
Cannot make the Open Houses?
Location: 1018 Pleasant St, Weymouth, MA 02189    Get Directions

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