Elena Langlois - Compass Massachusetts, LLC



Posted by Elena Langlois on 10/29/2020


109 Cambridge St, Winchester, MA 01890

Single-Family

$1,275,000
Price

9
Rooms
6
Beds
2/2
Full/Half Baths
This striking hip roof Colonial is located just 2-tenths of a mile to Ambrose School and 1 mile to Winchester Center. Expansive rooms on all three finished levels, high ceilings, numerous critical updates inside and out, and meticulously restored period details include a handsome vestibule, welcoming foyer with stunning staircase, built-ins, & newly refinished hardwood floors throughout. The open formal rooms include a coffered ceiling dining room, butler's pantry, and fireplaced grand living room that opens to the front covered porch for all those outdoor gatherings. Formal rooms connect to a large updated country kitchen w/granite and SS appliances and a mudroom out to the patio and level backyard beyond. 2nd and 3rd floor sleeping quarters include a spacious owner's suite plus five additional bedrooms, offering lots of options for work and learn-from-home needs. All bathrooms updated. Basement is ready to be finished, and already has a half bath. Detailed list of updates attached.
Open House
Saturday
October 31 at 11:00 AM to 1:00 PM
More Open Houses
Cannot make the Open Houses?
Location: 109 Cambridge St, Winchester, MA 01890    Get Directions

Similar Properties





Categories: Open House  


Posted by Elena Langlois on 10/29/2020


109 Cambridge St, Winchester, MA 01890

Single-Family

$1,275,000
Price

9
Rooms
6
Beds
2/2
Full/Half Baths
This striking hip roof Colonial is located just 2-tenths of a mile to Ambrose School and 1 mile to Winchester Center. Expansive rooms on all three finished levels, high ceilings, numerous critical updates inside and out, and meticulously restored period details include a handsome vestibule, welcoming foyer with stunning staircase, built-ins, & newly refinished hardwood floors throughout. The open formal rooms include a coffered ceiling dining room, butler's pantry, and fireplaced grand living room that opens to the front covered porch for all those outdoor gatherings. Formal rooms connect to a large updated country kitchen w/granite and SS appliances and a mudroom out to the patio and level backyard beyond. 2nd and 3rd floor sleeping quarters include a spacious owner's suite plus five additional bedrooms, offering lots of options for work and learn-from-home needs. All bathrooms updated. Basement is ready to be finished, and already has a half bath. Detailed list of updates attached.
Open House
Saturday
October 31 at 11:00 AM to 1:00 PM
More Open Houses
Cannot make the Open Houses?
Location: 109 Cambridge St, Winchester, MA 01890    Get Directions

Similar Properties





Categories: Open House  


Posted by Elena Langlois on 10/29/2020

Image by Tierra Mallorca from Unsplash

One of the most important things to check once you decide to start the home-buying process is your credit score. The three major credit bureaus keep track of how you pay for your credit and how much credit you have. Your score fluctuates, sometimes daily, depending on how much you owe and how many accounts you have. Applying for credit also affects your score. It will usually drop by 2 points every time you apply for a loan or credit card, even if you don’t get the credit.

Applying for a Mortgage

When you apply for a mortgage, the lender pulls your credit score from all three credit bureaus. The lender will advise you whether it has a loan program that will accept your credit score. Some loan programs work with those who have scores as low as 520. Because the credit bureaus deduct points every time you apply, it’s better to call lenders and ask them if they have programs for lower credit scores—if your score is low.

Credit Scores and Interest Rates

Because lenders interpret your credit scores as the inability to manage your credit, they deem the risk of loaning you money quite high. The higher the risk, the higher your interest rate will be. If you have a credit score of 750, you might get a lower interest rate, depending on the current going rate. However, for the same loan, if you have a credit score of 540, you will pay quite a bit more interest. While rates depend on the bank, an example would be that you could pay 9 percent instead of 4 percent if the going rates are at 4 percent.

Changing Your Credit Situation

Before you even start looking for a house, pull your credit from all three major credit bureaus. Look for incorrect data. Dispute the data to correct it. For example, if you see a 90-day late on a credit card that you did not apply for or use, dispute that card to take it off your credit report. It is always a good idea if you pull your credit at least every three months to check for identity theft and incorrect data.

If your credit score is low because you ran into hard times and everything is correct, you could buy down your interest rate and put a larger down payment down on the loan. While you are saving up for the down payment, make sure you pay your bills on time to better your credit score. Try to save up 25 or 30 percent instead of the 20 percent most lenders require. Saving up a few thousand extra dollars also allows you to buy points, which drops your interest rate. A higher down payment also decreases the lender’s risk and might get you a lower interest rate.

The cost of points is usually 1 percent of the total loan. Thus, 1 point on a $100,000 mortgage would cost you $1,000. It could buy you a quarter of a percent interest rate. Instead of an 8 percent interest rate, you would have a 7.75 percent interest rate.

Researching loan programs and making sure your credit is accurate helps you determine whether you want to start the house-hunting process now or save for a higher down payment and wait for your credit score to increase.




Categories: Uncategorized  


Posted by Elena Langlois on 10/22/2020

Image by Milly Eaton from Pexels

Cooking or baking, refrigerating food and running the dishwasher all contribute to the amount of energy your home uses overall. According to the U.S. Energy Information Administration, refrigerators use the highest amount of energy in household kitchens. While large appliances require more energy, lighting and other sources of energy, such as water heating, also factor into your total usage. You can save energy in your kitchen with the following energy efficiency tips.

Switch to Energy-Efficient Appliances

Since refrigerators, dishwashers and stoves use up the most energy in your kitchen, consider replacing older ones with more energy-efficient models. Appliances with the Energy Star label can save you a significant amount on your energy usage. For example, refrigerators with this label use roughly 15 percent less energy than newer ones without this label, according to the Department of Energy. They also use up to 40 percent less energy than older refrigerators. The energy savings you'll get from these appliances helps make up for the cost of purchasing them and having them installed.

Use Appliances More Efficiently

The way you use your appliances can have a big impact on how much energy they need.

  • Refrigerator: Covering foods inside your fridge, keeping the temperature between 35 and 38 degrees and making sure the door is tightly sealed helps reduce energy usage. 
  • Dishwasher: The biggest source of energy use from dishwashers is heating water. You can save energy with your dishwasher by only running it when you have a full load of dishes and letting them air dry when they're done being rinsed.
  • Stove: To reduce your stove's energy usage, use the right size pot or pan. For example, using a small pan on a large burner leads to a higher amount of wasted energy. Instead of using your oven for a small dish or amount of food, consider other more efficient alternatives, such as your microwave or slow cooker.

Replace Kitchen Lightbulbs

If you use traditional incandescent lightbulbs for overhead lights, task lights and other lights in your kitchen, think about replacing them with more efficient ones. CFL or LED lightbulbs use less energy and have a longer lifespan, so you don't need to replace them as often. Making the switch to these lights can save you in terms of energy usage and utility bills.

Limit Exhaust Fan Use

The exhaust fan in your kitchen can help remove odors and pollutants, improving your indoor air quality. However, you don’t need to leave it running for long periods of time to get these benefits. Turning your exhaust fan on while cooking and shutting it off afterwards helps reduce the amount of energy it uses.

If your upcoming plans include buying a home or selling one, contact us.




Categories: Uncategorized  


Posted by Elena Langlois on 10/20/2020


109 Cambridge St, Winchester, MA 01890

Single-Family

$1,275,000
Price

9
Rooms
6
Beds
2/2
Full/Half Baths
This striking hip roof Colonial is located just 2-tenths of a mile to Ambrose School and 1 mile to Winchester Center. Expansive rooms on all three finished levels, high ceilings, numerous critical updates inside and out, and meticulously restored period details include a handsome vestibule, welcoming foyer with stunning staircase, built-ins, & newly refinished hardwood floors throughout. The open formal rooms include a coffered ceiling dining room, butler's pantry, and fireplaced grand living room that opens to the front covered porch for all those outdoor gatherings. Formal rooms connect to a large updated country kitchen w/granite and SS appliances and a mudroom out to the patio and level backyard beyond. 2nd and 3rd floor sleeping quarters include a spacious owner's suite plus five additional bedrooms, offering lots of options for work and learn-from-home needs. All bathrooms updated. Basement is ready to be finished, and already has a half bath. Detailed list of updates attached.
Open House
Saturday
October 24 at 12:00 PM to 2:00 PM
More Open Houses
Cannot make the Open Houses?
Location: 109 Cambridge St, Winchester, MA 01890    Get Directions

Similar Properties





Categories: Open House