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Gardner : Real Estate Advice

  • All25
  • Local Info6
  • Home Buying4
  • Home Selling0
  • Market Conditions0

Activity 20
Sun Oct 15, 2017
Richborges7 asked:
Purchasing a commercial property for about 35% of appraisal. I'd like to get a loan for an additional 10% (45% total) so that I can remodel.
0 votes 0 Answers Share Flag
Wed Jun 28, 2017
Scott Godzyk answered:
You should have addressed this in the purchase contract. The seller could be in default of your contract, you will have to have your buyer agent review it with you and if buying without an agent, have a lawyer review it. ... more
0 votes 2 answers Share Flag
Sat Sep 3, 2016
Skip Well Stutler asked:
last week price was 500 a month with a all season back its it went from 45 thousand to 50 thousand...and i know it was only bought for 15 thousand/// is all thia…
0 votes 0 Answers Share Flag
Thu May 5, 2016
Stallion12158 asked:
Tue May 12, 2015
James answered:
I get calls like this all the time, the part that is difficult to convey to most perspective homeowners is that not all imperfections are signs that the wall is in a state of failure. The only way to answer the question is a wall in failure is to monitor the wall, and monitoring takes time. Now every perspective home buyer just shuddered, but its true. Below are some questions you can ask that will give you a better idea if the retaining wall will be an issue in the future.

First, ask how old the retaining wall is. If it is relatively new and is showing large cracks, or seems to have visibly moved that is a bad sign.

Second, ask how long the crack or imperfection has been present and if there has been any change. If the problems are new but the structure is not, that may be a sign that the wall is moving.

Third, get a retaining wall contractor (not a landscaper) to give you an estimate. They may charge since you a consulting fee because you don't already own the house, its worth it. Most retaining wall contractors will be able to look at a wall and identify the factors that are leading to the issue, and its not always a big deal. If the wall is in a high risk category a reputable retaining wall contractor can give you a realistic look at how much the project could cost.

Its important to note that if you buy a home that has a wall that will need to be monitored you will need to higher a qualified engineer, your retaining wall contractor can make a good recommendation. You might be asking why not just contact the engineer from the beginning? The answer is simple, engineers are only responsible for the design process and typically lack a working knowledge of the cost associated with the repair.
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0 votes 5 answers Share Flag
Thu Feb 19, 2015
Tim Urban answered:
Like everyone has said...speak to your lender. I know when I work with FHA clients, the inspection is thorough and usually surprising what they get stuck up on. For example, similar situation...we had a contract on a house with cracks (minor) in the sidewalk and we had to object and make the seller fix them prior to loan approval. Good Luck!! ... more
0 votes 7 answers Share Flag
Thu Feb 19, 2015
Tim Urban answered:
Many times your agent should have this info. You can also get a decent look at crime rates/safety rates though Trulia. Hope this helps!
0 votes 2 answers Share Flag
Mon Feb 10, 2014
Kevin Vitali answered:
Mary is giving you a good answer as well as folks that live there. Unfortunately agents really cannot give an honest opinion because it is a very subjective topic. Talking to folks who live there and doing your research is the best bet. ... more
0 votes 12 answers Share Flag
Tue Feb 4, 2014
Jennifer Shenk answered:
I just posted this request to my personal Facebook page--I'm from Templeton and now live in Westminster, with a fair amount of Gardner connections. You never know who might be able to help with this. ... more
0 votes 1 answer Share Flag
Sun Oct 20, 2013
Heath Coker answered:
One of the problems with sites on the Net that only sell ads or just collect email addresses to resell, is that the info on their pages is often meant to cause you to provide an email address and name or phone number for them to sell.

I'd spread the word to use actual real estate professionals' sites rather than ones where the correctness of the data is not as important as gathering and selling your name and email to the highest bidders.

(Please note: when you choose an answer as a Best Answer, or at least give a thumbs up, it helps those who answer questions here.)
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1 vote 1 answer Share Flag
Mon Jul 1, 2013
Jim Driscoll answered:
It is a judgement call by the appraiser. If they think it is a safety issue then yes you would have to complete it but if not them no. I have not seen this to have ever been an issue
0 votes 1 answer Share Flag
Sat May 18, 2013
Kevin Vitali answered:
It really depends upon what you agreed to. Many times a short sale offer the home inspection and PS are triggered by the short sale approval. I would ask for the short sale approval or approvals.

Go back to your original contract to purchase and see what you agreed to.
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0 votes 13 answers Share Flag
Fri Aug 24, 2012
Alison Hillman answered:
Hi Beth!

Take a look at the listings on Trulia:,MA/#for_rent/Gardner,MA/2p_beds

Good luck,
Ali, Community Manager
0 votes 1 answer Share Flag
Sun May 13, 2012
Louis Wolfson answered:
not a question as to ample time, its what is in the lease. No lease, TAW consider 30 day notice adequate.
0 votes 3 answers Share Flag
Mon Mar 14, 2011
Allan Erps answered:
Hello Katie, Some great advice below and some interesting analogies. Most are absolutely correct, fix your FICO scores and let the $8000 go. Chances are in 1-2 years you will find a great home with prices still most probably lower than today. Best of Luck!

P.S. See the original post and hope you waited the year!
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0 votes 10 answers Share Flag
Fri Mar 4, 2011
Walter Harrington answered:
Hello Jesse,

315 Elm Street in Gardner,MA.01440 is not listed as a Forclosure,it is currently for sale for $249,900.It is a three family with two garage spaces and 3,495 square feet of living area.All three units are rented with a gross rent of $2,550 per month.Feel free to contact me with any further questions.

Walter Harrington
Dimacale & Gracie Real Estate
59 Main Street,Ashburnham,MA.01430
Office-978-827-4018 ext.254
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0 votes 2 answers Share Flag
Sat Dec 11, 2010
MaryBeth Mills Muldowney answered:
A 203K loan seems appropriate but this is also credit driven and requires a credit score higher than the typical FHA loan. You must seek out a knowledgeable mortgage officer to assist you. In my area Wells Fargo has been very efficient and effective in securing these loans for my sellers. If you would like additional information please contact me, I would be most happy to direct you to a lender who can assist you. ... more
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Sat Dec 11, 2010
MaryBeth Mills Muldowney answered:
Hi you are not alone unfortunately, I do not know where your intended home is located but it may be that your home is located within a declining market area. We have seen this impact. First I would sugges that you speak to your lender and as you have paid for this appraisal request a copy- once you have the information on the comparisons which were compiled then do your own homework with the assistance of your Realtor or real estate agent you are employing to represent you in this transaction. A knowledgeable agent will be able to determine if there were other circumstances which diminished your property value which the lender may take into consideration. I am told that when it comes to FHA property appraisals that the appraisal follows the property and is assigned a case number so no use trying to locate another lender, they will see the information so if you are still interested in the property and the seller is not willing to renegotiate to the appraised value then it is best to try and resolve this appraisal by providing accurate information. Unfortunately a number of appraisals are being conducted by appraisers who are appropriate in their own markets not the market where the appraisal is being conducted. Do not be fearful to work with your agent/Realtor and determine the validity of the comps used in this transaction and determine if they are using a factor if the property is located in a decreasing market.
Should you have any other questions I would be most happy to assist you or your Realtor.
You can reach me at my corporate email address of
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0 votes 1 answer Share Flag
Fri Oct 17, 2008
Angela Clark answered:
I agree with the other agents - hold firm! This is especially true if the home has been on the market for awhile. Are you working with an agent? Is this a FSBO?

Write up a list of ALL the home inspection "issues" this home had and emphasize that you are "only" asking for a $1500 credit towards a new roof.

And if there is a listing agent, she/he does not want this deal to fall through and neither should the seller. If the deal falls through, the home inspections issues have to be disclosed to future potential buyers at showings.

AND, listen to Scott - they should fix it or credit you at closing. And, watch the time period for responses.

Good Luck!

Angela Clark
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0 votes 7 answers Share Flag
Thu Mar 27, 2008
Lance Holtman answered:

It is different for every individual and different at any given point in time

It will depend on what else is in your report at a moment in time. Change one variable, the outcome is also changed.

There are more than on bureau, each using a different formula, so it will also depend on which score you speak.

See for more information
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1 vote 1 answer Share Flag
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