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Kriss Stevens & Scott Manley (508) 648-0013's Blog

By Cape Cod Real Estate for Sale | Broker in Centerville, MA
  • Behind on your payments?

    Posted Under: Home Buying in Centerville, Home Selling in Centerville, Property Q&A in Centerville  |  November 1, 2013 11:46 AM  |  348 views  |  1 comment
    Do you owe more than your house is worth? You are not alone. Many homeowners are finding themselves in with a house that they owe more than its current market value. So what should you do?

    Here are some options for homeowners with “underwater” mortgages:

    Stay and Pay

    Compare the monthly mortgage payment, plus carrying costs like repairs, homeowner dues and taxes, to the cost of renting. If you decide to stay and pay, you may be able to get financial help to catch up with payments if you run into a financial hardship. For example, the Emergency Homeowners Loan Program (EHLP) provides interest-free loans to homeowners who have fallen behind on their mortgages. Make sure to check with a HUD-approved housing counseling agency in your area to find out which programs may be available to you.


    The Home Affordable Refinance Program (HARP) helps homeowners who qualify refinance into a low, fixed-rate loan. The program has been extended through June 2012. For those who qualify, the terms are similar to those of any other conventional loan, but without the steep mortgage insurance that is typically required when there is less than 20% equity in the home.

    Loan Modification

    A loan modification means lenders lower the interest rate and payment, either temporarily or permanently. Lenders will also typically extend the term of the loan or to allow borrowers to make up missed payments by tacking them onto the end of the loan or spreading them out over the remainder.

    The most well-known modification program is the government-initiated Home Affordable Modification Program. The Treasury Department reports that homeowners who were successful in getting permanent modifications on their loans through this program saw a median reduction in their monthly payment of 40 percent—more than $520 each month—amounting to a program‐wide savings for homeowners of an estimated $4.5 billion.

    Short Sale

    A short sale is when you sell your home for less than you owe. For the homeowner/seller, the goal is to get the lender to approve a short sale and forgive any remaining debt. Lenders do not always accept a short sale. It seems to make sense rather than allowing a home to go into foreclosure, but the red tape involved in a short sale can sometimes be overwhelming. The Home Affordable Foreclosure Alternative program (HAFA) is a government-initiated short sale program.


    If you need to stop a pending foreclosure, bankruptcy may halt a foreclosure long enough to get a loan modification considered. Filing Chapter 13 can help you catch up on payments over five years without interest. You may be able to reduce or eliminate other debts, freeing up more money to pay toward the home mortgage so you can get back to positive equity more quickly. This can be a very serious decision so it is imperative that you talk with a bankruptcy attorney before the foreclosure or short sale is completed. We have names of attorneys who can help. We would be happy to guide you through this process. Call us!

    Brought to you by~ Stevens & Manley RE

    Kriss 508-648-0013  or Scott  508-360-1771
        View all cape cod homes for Sale & Sold visit: 

      Visit Stevens & Manley Blog

  • Luxuries: What’s In, What’s Out!

    Posted Under: Home Buying in Osterville, Home Selling in Osterville, Property Q&A in Osterville  |  November 1, 2013 11:34 AM  |  374 views  |  1 comment
    Which amenities can luxury homebuyers expect to find in today’s market? For our latest report, we combed through two years’ worth of luxury listings to see which words and phrases are trending up and down. We defined luxury listings as homes for sale that are priced at least four times above the median asking price for a given metro area: that means a million-dollar home in New York, a luxury listing, while a million-dollar home in San Franciso is not. We compared luxury homes listed between July 1, 2012, and June 30, 2013, with those listed in the previous year, between July 1, 2011, and June 30, 2012.

    What’s In: Marble, Windows, and Booze
    Looking at all of the words and phrases that appear in luxury listings, we identified twenty phrases that trended upward most strongly in the past year compared with the previous year. Luxury listings are now 78% more likely to mention a marble bath than one year ago, and 30% more likely to mention marble floors. Outdoor space is also on the rise: roof deck and terrace were 63% and 42% more common, respectively, than they were a year ago.

    Luxury listings were also more likely to mention windows in the past year compared with the previous year. Oversized, floor-to-ceiling, ceiling, and large windows – as well breathtaking and ocean views – all trended upward, which suggests that buyers of luxury homes are increasingly paying for what they see when they look outward.

    Finally, more luxury listings mentioned fitness amenities like gyms (up 28%) and tennis courts (up 24%). But residents should remember to use those before they hit another upward-trending luxury amenity: wine rooms (up 30%).

    What’s Out: Kitchens and Formality

    Many kitchen and cooking amenities trended downward over the past year. Luxury listings were 16% less likely to mention a BBQ, compared with the previous year. Additionally, phrases that were kitchen-related (custom cabinets, center island, granite counters, breakfast area) and appliance-related (double sinks, stainless appliances) were less likely to appear in luxury listings over the past year than in the previous year.

    Also decreasing were mentions of formal rooms: formal dining and formal living room were both down 4%.

    What’s behind these trends in luxury listings? One factor is a shift in where luxury homes are for sale. Luxury listings increased in the New York and Washington D.C. metro areas, and where many high-priced homes there are fancy condos or co-ops, which are more likely feature urban luxuries like roof decks than suburban luxuries like BBQs, covered patios, or pools. Still, many of the upwardly trending luxury features like tennis courts, ponds, and outdoor kitchens aren’t found in urban condos, so these trends aren’t ONLY about geographic shifts in luxury listings.

    Overall, there seems to be a move toward luxury listings calling out expansive windows, great views, and fitness amenities – and a move away from indoor cooking and eating. The real winner of these recent trends in luxury homes could be fancy restaurants: luxury homes aren’t emphasizing kitchens as much as they used to, but buyers of those homes still need to eat. For some of those luxury-home buyers, the most desirable view out of those floor-to-ceiling windows might be onto a lively neighborhood full of good restaurants.

    Home Luxuries: What’s Trending Down











    plantation shutters



    covered patio



    lush landscaping



    custom cabinets






    double sinks



    stainless appliances






    gated community



    center island



    bonus room



    granite counters



    formal dining



    formal living room



    surround sound



    large master suite



    gourmet kitchen



    breakfast area


  • Looking to buy or sell a home on Cape Cod? Call Team Stevens & Manley!

    Posted Under: Home Buying in Centerville, Home Selling in Centerville, Property Q&A in Centerville  |  October 15, 2013 8:29 AM  |  375 views  |  No comments

    As a Century 21 agent who is an expert in this local area, I bring a wealth of knowledge and expertise about buying and selling real estate here. It's not the same everywhere, so you need someone you can trust for up-to-date information. I am ready to assist you! Here are some of the things I can do for you:

    Find Your Next Home

    You need someone who knows this area inside and out! I can work with you to find the right home at the right price for you, including all the neighborhood amenities that matter- not to mention the essential criteria for your ideal home!

    Sell a Home

    When it's time to move, you need someone who will advertise your home, show to prospective buyers, negotiate the purchase contract, arrange financing, oversee the inspections, handle all the necessary paperwork and supervise the closing. I can take care of everything you need, from start to close!

    Consult on Home Selling Tactics

    Often, buyers don't visualize living in your home the way you do. I can make your home attractive to its ideal audience- which can help you get top dollar. Things like staging the home, making repairs or minor improvements, or even simply painting the walls can be the difference between a home resting on the market and on that's sold fast!

    - See more at: Looking to buy or sell a home my app can help!

    Kriss Stevens & Scott Manley can help!!!

    Century 21 Cobb Real Estate
    1550 Falmouth Rd
    Centerville, MA 02632


  • Must Sell 12 Clapp Lane, Sagamore Beach!!!!

    Posted Under: Home Buying in Sagamore Beach, Home Selling in Sagamore Beach, Property Q&A in Sagamore Beach  |  October 15, 2013 8:09 AM  |  395 views  |  No comments

     Custom Home on .71 acres on cul-de-sac.

    Well Maintained Colonial offering over 2000 square feet of luxurious living. Beautifully appointed open floor plan. This spacious home features an inviting kitchen with  recessed lighting & dining area with access to the backyard.  The large comfortable living room has a gas fireplace and wood floors. Formal dining room. Huge front to back Master Suite with sitting area, walk in closet and private  master bath with double sinks, shower & Jacuzzi tub.

    Central Air Conditioning.  Alarm, new exterior lighting, landscaped yard with shed & irrigation. Relaxing Farmers porch with attached 2 car garage with full basement complete the package of this desirable property.

    Call Now to Schedule a Private Showing!
    Kriss Stevens 508-648-0013
    or visit: www.CapeHomesUnlimited.com

  • Come by Saturday 11-1 ~ Open House 119 Service Rd Sandwich! Owners say SELL!!!

    Posted Under: Home Buying in Sandwich, Home Selling in Sandwich, Property Q&A in Sandwich  |  September 24, 2013 6:12 AM  |  532 views  |  No comments

    Come by and see this home!!! Lots to offer! Set back on .99 acres is this well cared for home with 4 bedrooms, 5 baths, central air, wide pine floors, 1st floor master suite with walkin closet, 3 bay garage with heated office, on .99 acres~a steal at $479K

    Brought to you by~ Stevens & Manley RE

    Kriss 508-648-0013  or Scott  508-360-1771
        View all cape cod homes for Sale & Sold visit: 


    Cape cod real estate for sale, open house sandwich, century 21

  • Looking to Buy or Sell? Check this out!

    Posted Under: Home Buying in Centerville, Home Selling in Centerville, Property Q&A in Centerville  |  September 22, 2013 5:28 AM  |  570 views  |  1 comment
    There are many places all over the internet you can search for property for sale; but tour website is different. There are few that have the power and capability that this site has. The property search on our website will keeping you up-to-date on the latest listings. This is imperative whether you are a buyer or a seller. It will help you keep the pulse of the market. Visit: www.CapeHomesUnlimited.com/blog

    Here are a just a few of the reasons to never look for property anywhere else…

    1. The listings are continuously updated every 15 minutes around the clock.

    2. You can personalize your property search by clicking on any MLS Property Finder icon.

    3. You can compare current homes for sale to those that have already sold.

    4. You can search by distance, to see what homes are available in a particular area.

    5. You can search the WalkScore to see what else is available in the area.

    6. You can create multiple searches whether you are searching for a single family, condo, land or multi-family it is all in one powerful search.

    7. You can easily save properties so you can access them at a later point.

    8. The photos are large and let you easily see what the home looks like.

    9. You will get more information that most sites (bedrooms, bathrooms, description and other details).

    10. You can search easily from your desktop or mobile device.

    Brought to you by~ Stevens & Manley RE

    Kriss 508-648-0013  or Scott  508-360-1771
        View all cape cod homes for Sale & Sold visit: 

      Visit Stevens & Manley Blog

  • Open House Sunday 11-1 at 12 Clapp Lane

    Posted Under: Home Buying in Sagamore Beach, In My Neighborhood in Sagamore Beach, Property Q&A in Sagamore Beach  |  September 22, 2013 5:14 AM  |  639 views  |  No comments
    Short walk to local ocean beach! Lovely Colonial with flair and style on quiet cul-de-sac. Offering 3 bedrooms, 3 baths with over 2000 sq ft. This home is spacious featuring an inviting kitchen with recessed lighting & dining area. The large comfortable living room has a gas fireplace and wood floors. Formal dining room. Master bedroom with private bath, Jacuzzi tub, shower and walkin closet.Central air. New Exterior lighting, professionally landscaped, shed & irrigation. Attached garage 2 car and full basement complete the package of this desirable property!

    Brought to you by~ Stevens & Manley RE

    Kriss 508-648-0013  or Scott  508-360-1771
        View all cape cod homes for Sale & Sold visit: 

      Visit Stevens & Manley Blog

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