I would recommend with this budget and criteria, though, that the closer to the Rte 495 belt you are, the better your chances of finding a home will be. And there is public transportation from Grafton and Franklin in southern MA, or further north in Southborough, Ashland, and Framingham. If you want, I can set you up on our website and make a Saved Search with this criteria and give you some different towns to look at as well. You can also go in and change the towns and criteria at your leisure as well. You may get a lot of properties at first that are on the market, but then it would fizzle down to only those that are new to the market. You can check them online at your convenience, and if you do want more information on one or to see a property, you can request a home tour and we can set up an appointment for you. So even if you're not ready to buy now, you can still see what is going on with the market until you are ready to move.
To help you with your moving time frame, if going through bank financing, plan on around 45-60 days to go from an accepted offer to the closing. FHA rates are in the low 5% range right now and you'd need to put down 3.5% for a down payment. Conventional loans are a little higher rate and would need at least 5% down payment I believe. You could also try a USDA loan if looking at certain rural towns in MA. I would recommend talkingh to a mortgage broker or bank to find out what financing would best suit your financial situation, and I can recommend a few to you as well if needed.
If I can be of any further assistance, let me know. You can contact me at my information below.
Prudential Prime Properties
You have a bunch of options! If you would like to give me your e-mail I will set you up with MLS updates in towns that fit your criteria. That way you can see pictures and descriptions of what is on the market!
The south shore is your best bet. Try looking in the towns of Abington, Braintree, Holbrook, Weymouth, Avon, and Randolph. All of these towns meet your commuting criteria and have home prices in your affordable range. If you are interested in searching in this area, I would be happy to help you. Just give me a call or send me an email, anytime....
Jack Conway Real Estate Co.
253 Beale St.
As a general rule the further west you go, the cheaper the homes get. So the questions your agent would have for you is how far you are willing to commute, if you need the T station and what kind of a home do you want. I see that you are looking to spent low $300 for a 2-3 bedroom Single family home. Your commute being 45 minutes puts you still fairly close to Boston. My advice is to look west of the 495 corridor where you could potentially get a nice home in a good community. You have a lot of resources open to you, the internet, community pubilcations to learn more about local areas. I also recommend visiting real estate web sites like my own for neighborhood information. Please feel free to go to http://www.hometeamadvantedge.com or http://www.janebecker.com and check out neighborhoods and register to receive listings. You can also read sections that talk about what to do to prepare yourself before you even start looking to avoid major buyer mistakes. If you have any additional questions, please feel free to contact me. I love talking about Real Estate!
I think you are going to find that the closer you are inside the 495 beltway to Boston, the less of a home you are going to get up to the $300,000 price range. But you said you were not opposed to doing some interior type work, so you may find some good homes to upgrade and then get the value out of them when you go to re-sell later on in the future.
If you are interested in setting up a saved search for yourself through our Prudential website, you can put in different towns and see for yourself where they are and what they are going for, plus check out town statistics as well.
I wish you well on your search for a home!
Prudential Prime Properties
What are your opinions on this...and who would specialize in this area? And just to reiterate, I am not looking for an hour plus commute like some of the towns mentioned would require. Thanks again!
Stikeleather Real Estate
You have a tremendous amount of options in our current real estate market. My advice would be to go to http://www.mbta.com which is a tremendous interactive website run by the state transit authority. They have tools that tell you how far the home you are looking at is from public transit and then the travel time to Boston. The town of Norfolk was recently ranked #6 in the country as desirable towns for families.
I would also recommend mass.gov and check out the education page so that you can compare the test scores of the schools. This will help you and your family narrow down the communities that will best fit your families needs. Best
Iook forward to hearing from you!
Several years ago, when the RE market was hot, anyone could sell a home simply be sticking a sign in the front yard with no marketing initiative at all. During this time real estate agents viewed FSBO's as a serious threat to their business because buyers saw FSBO's as a means of cutting out the agent thereby saving money.
Times have changed and these changes have definitely impacted the FSBO approach to selling property. The market is no longer hot and the entire country has transitioned into a "buyer's market" with a large number of buyers viewing "short sales" and "foreclosures" as the maket sector offering the greatest savings. The general public no longer views FSBO's as the top money saving approach to buying real estate.
Unless your home is priced right and can be competitive with all aspects of the market, including short sales and foreclosures and you are using a well thought out marketing plan you will probably be "spinning your wheels" as a " FSBO.
Speak with an agent about what they can do for you.
The Eckler Team