July 2012 RER

ONLINEWE’RE www.MaineHomeseller.netTO ADVERTISE in this booklet call 1-800-482-0759

Connecting you with your community

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LEWISTON COLONIAL

LEGACY REALTYNorm & Denise Brouder • 376-4830

ERA WORDEN REALTYMary Ann • 577-2754

AUBURN AFFORDABLE

Auburn- 3 Bedroom,appliances, redonekitchen and bath plus15 x 20 room overgarage.

$114,900

Exceptionally lovelycolonial w/Farmer’sPorch built in 2006!4 Bedrooms, 1.5 Baths.Daylight Basement& Garage. Lovelylocation.THIS HOME IS MINT-MOVE RIGHT IN!!$174,900NORM 754-6060

A complete guide to homes, rentals and real estate in Central Maine and the surrounding area

July 2012

2 Real Estate Review

207-344-3250

195 Center StreetAuburn, ME 04210

Reduced $349,900 Allen Pond $779,000

Double Lot $375,000 Reduced $240,000

Just Listed $125,000

Reduced $300,000 Reduced $275,000 Minot $349,000

Stunning WaterfrontMahogany !oors, cathedralceilings & lovely views, plussuperb kitchen, indoor pool &

top-notch systems.

Raised Ranch in GrayGorgeous kitchen, 1st ! master ste, cathedralceilings. Fin. bsmt, deck & energy ef"cient!

Call Marnie DuBois 312-2125

Owner-Occupy or InvestmentNice building w/sunny 2- and3-bed units, hw !oors & frontporches. Newer windows, Bud-erus boiler, rubberized roof.

Looking for an Update!Antique Cape & barn on 10

acres. 6 beds, 3 baths, library,screen porch. Same family forgenerations. Minutes to town!

Bates College ClassicNew deck, boiler & more updatesin this 1890 Greek Revival nearBates. Big modern kitchen, 3fps, screen porch & more!

Private Cul-de-Sac SettingStately Colonial features lovelyinterior, lighted tennis court,

screen porch, "n. walk-out base-ment. Extra buildable lot!

Unique ContemporaryOpen-concept w/birch & maplekitchen, "replace, 1st ! masterste w/whirlpool bath. Nicely

landscaped, extra garage w/lift!

Newly Renovated in RumfordSpacious 4-bed home has newroof, oil tank, Buderus boiler,windows & siding. Gas stove,all appl., & wired for generator!

32 Spectacular AcresLisbon contemporary boasts new granitecounters, master ste w/balcony. Fam. rm,

patio, 4-car+ parking. Outbuild. w/workshop.


Bear Pond CampEnjoy 100’ of waterfront inthis furnished 2-bedroom get-

away. Dock included!Call Marnie DuBois 312-2125

Gentleman’s FarmWell-kept house & barn on 9+acres. Farmhouse w/charmingkitchen, 4 beds, huge studio,covered porch. Workshop, too!

Impeccably MaintainedFormal dining & living, 2 fps,spacious eat-in kitchen & fam.room. Patio & beautifully land-

scaped. New boiler, too!

Country Living Near TownThree-bed w/tin ceilings, hw!oors, 3-season sunrm, two 2-car garages, 4+ country acres& stone fences. Take a look!

Adorable CapeSunny 3-bed w/charming archedentries, wood !oors & stone fp.Formal dining, 1st ! master.New counters. Nat. gas heat.

Reduced $150,000 Reduced $275,000

W. Auburn $225,000 Reduced $169,500

Durham Colonial6-bed, 3.5 bath w/granitekitchen, 1st ! master ste,

formal living & dining. Fam. rm.Patio, workshop, 4-car garage!


Ranch on 5 AcresNice 3-bed ranch w/oak & Coriankitchen, stone fp, new carpet& bsmt fam. rm. Fenced yard &garage/workshop for 6+ cars.


Poland ContemporaryStylish home w/cathedral ceilings & picturewindows. Custom tile/granite kitchen, fp,deck & landscaped yard. Great location.

Just Listed $395,000Lake Street Neighborhood

Elegant, meticulously maintained w/"re-places in LR & master ste. Finished bsmt,screen porch, patios, incredible fenced yard.


Beautiful CountrysideOpen-concept w/cathedral ceil-ings, balcony & deck w/view.Cherry cabinets & Tulikivistove. Peaceful setting.

Custom KitchenSpacious raised ranch

features granite/stainlesskitchen, fam. rm w/"replace& wet bar. Heated pool!


Reduced $170,000

2-Unit $139,000

July 2012

3Real Estate ReviewJuly 2012

681 Sabattus Street, Lewiston

Norm & Denise Brodeur(207) 376-4830Broker/Owner [email protected]

NEW LISTING! 'CAR ENTHUSIAST' DUPLEX ON 3.6 ACRES!

BE MORTGAGE FREE!

LET SEPARATE APT. PAY YOUR MORTGAGE!Gracious home w/updated kitchen w/SS Jenn-airappliances. DR, Great RM., + apt. above 3 car gar.built in 1994! Well-manicured lot + in- ground pool.$274,900 MLS #1033741 NORM 754-6060

FINISHED BASEMENT!

Open-concept ranch home w/cherry kitchencabinets, FP in LR., DR, 1st fl. laundry rm.,2 Full Baths. Finished daylight basement alloverlooking beautiful in-ground 'HEATED' pool!$184,900 MLS #1052957 NORM 754-6060

Well-maintained ranch w/many updates.Newly insulated, new heating system.3 BDRMS & move-in condition!

MLS #1041434 DIANE 754-5200

Almost new! Home on 1.75 acres! Gorgeous HDWDflrs., fully-applianced kitchen, GRANITE counters!2 full BA. Daylight basement, easy to finish!Wrap-around deck & 2 car gar.$159,900 MLS #1056758 NORM 754-6060

Store up to 8 vehicles w/ this beautiful +-3,496 sq.ft.contemporary cape! 4 BDRMS, 2 BA., SS appliances,Corian counters in kitchen. Four season room.All on a 1.5 Acre Lot! LOCATION! LOCATION!$227,500 MLS #1026213 NORM 754-6060

Built in 1995, Duplex-style 2 family w/ finishedwalk-out basement & large deck + 2 BDRMS& 1.5 BA in owners unit! Rental unit w/2 BDRMS.& unfinished basement. New leach field!$165,000 MLS #1053113 NORM 754-6060

Dodie 423-4486

Josh 240-9266

Laura 333-2321

Diane 754-5200

Tracie 577-7937Brian 713-1618

Gloria 418-7568

NEW PRICE!

Interest rates remain at historically low levels; buyers have a tremendous opportunityto purchase a home and sellers are finding that there are lots of qualified buyerssearching for a home like theirs. Proper pricing remains a key for sellers – speakwith a Realtor® familiar with your area to obtain the best information on setting arealistic price right up front. Houses are selling; and the well priced house is sellingfaster than those that try to “push” the upper limits, thinking “a buyer can alwaysmake an offer if they like the place”. That may be true, but if the price is set toohigh the buyer may not see it in their search, as it may be above their search limit.

For sellers and buyers considering a short sale there is news just out in the WallStreet Journal stating that lenders with mortgages backed by Fannie Mae and FreddieMac will need to make a decision within 30-60 days. That is GREAT NEWS!

Unsure of whether you are really in a position to buy? Getting pre-qualified isan important step in the home buying process for several reasons: First, it willhelp in deciding how much you can realistically afford, Second it will assist yourRealtor® in setting up properties within your budget, and Third, it will be helpfulwhen you make an offer to show that you have begun the loan process which willencourage the seller as they will know you are a serious buyer.

~ From Androscoggin Valley Board of Realtors®

Great News for Buyers and Sellers!

4 Real Estate Review July 2012

Harriet has been active in real estate since 1996 as a result of seeking a better understanding of dealingwith real estate. She took a sales agents course and was encouraged to obtain a license. Originallyworking in the Orono area for her first eight years, Harriet followed her children to Auburn, signingon with ERA Worden. She has been associated with The Fontaine Team The Real Estate Leader forthe last 2 1/2 years.Her real estate commitment includes having served on the Board of Directors of AVBOR as well asa term as President. She has also served on the scholarship committee and is currently co-chair of theAffordable Housing Golf Tournament Committee.Three years ago, at the urging of her daughter, she had a routine physical which indicated the presenceof breast cancer. She credits a great surgeon and several trips to the radiation center, and as a result isnow 3 years cancer free.Harriet, in her support of cancer research, has participated in The Relay for Life walks, as well as herinvolvement in The Dempsey Challenge every year since inception. Most recently, she volunteeredher time (and back muscles I might add) in the Rebuilding Together L/A yearly day of service project.She has two children, both married, Joel and Michelle Cummings and Lori andDavid Gile, two grand daughters, Kayla and Jordan, all of whom keep her quite busywith all their activities. I would be remiss if I failed to mention her two grand dogs -Fenway andYawkey!

REALTOR® of the Year 2012Androscoggin Valley Board of REALTORS®

Congratulations Harriet from the Androscoggin Valley Board of REALTORS®!

Harriet Cummings


998-4516 Ext. 203 Cell: 207-240-9196EMAIL: [email protected]

Visit: www.TerryHewitt.comfor ALL current listings in Maine

TERRY HEWITT

BELANGER REALTY

Re!" E#t!t$ %&t' ( )&*+r+,- ./&,- 0 1i+2...Y34rs!

MaineinlistingscurrentALLfor

)&*(%&t'E#t!t$Re!" 0./&,-+r+,- 1i+2...Y34rs!Terry

)&*(%&t'E#t!t$Re!" 0./&,-+r+,- 1i+2...Y34rs!)&*(%&t'E#t!t$Re!" 0./&,-+r+,- 1i+2...Y34rs!TerryHewitt

Visit: www.TerryHewitt.com for ALL current listings in Maine

THOMPSON LAKEThis East Shore 4-season cottage on pristine

Thompson Lake offers expansive water views,lots of privacy, level lot, sandy beach, open

!oor plan, 1.5 baths, huge wrap-around deck,1 car garage. Short sale, motivated seller.

$337,600

RANGE POND POLANDThis gorgeous new home offers 200 ft. of sandy frontage

on Middle Range Pond, spectacular sunsets, 2 car plusstorage under, open concept, custom kitchen with granite

counter tops, sunroom, decks, 2 woodstoves,2.5 baths. Lots of windows and much more.

$575,000

THOMPSON LAKE & THE HEATHFish, boat, swim, enjoy this year round homewith 2.4 acres and 200ft of owned waterfronton the Heath, plus 147 ft of shared waterfront& dock on Thompson Lake. Home is "nished

in pine with cathedral ceilings, exposed beams,2 baths,3br,wrap around deck & balcony

$219,000

OXFORD CAPE WITH APARTMENTThis newly renovated Cape offers an in-law

apartment, wood and tile !oors, customkitchen with granite countertops, 3 baths,

wood stove, large deck, tons of space,all on a wonderful lot. EVERYTHING IS NEW!!

$244,900

WHITNEY PONDThis classic Maine Cottage on Whitney Pond

offers 4 bedrooms, large deck, wonderfulwater views, sandy bottom for great

swimming, woodstove, wood !oors, yearround access, large lot and much more!

$225,000

MECHANIC FALLSOne of a kind!! This tastefully restored

Farmhouse offers, wood and tile !oors, customkitchen, radiant heat, workshop, oversized

garage, cathedral ceilings, loft, huge masterbedroom, pool, covered porch, 4 bedrooms

and much more. $225,000

THOMPSON LAKE 17 ACRESONE OF A KIND!

This property offers 685+/- waterfront, 17 acres ofland, sandy beach, 3 bedroom, 2 bath year-round

lakefront Cottage, 2-car garage, large deckand more land available.

$699,000

THOMPSON LAKE BEAUTYGorgeous year-round home offers wood & tile !oors,

stone "replace, 3 or 4 bedrooms, HUGE customkitchen and dining area, large master suite,

2 full baths, expansive water views, patio and deckarea, tar drive, sandy waterfront

on pristine Thompson Lake.$375,000

THOMPSON LAKE CONDOThis quality home sits at wate’s edge and

offers custom kitchen with granite, "replace,huge deck, sunroom, wood & tile !oors.

Maintenance-free living on 86 acres, tennisand BBall courts, sandy beach, docks

and boat moorings.$300,000

THOMPSON LAKE2 car garage with guest quarters on Pristine

Thompson Lake. 8.3 acres of peace andserenity. 200 feet of deep wate frontage.

2 huge decks, "eldstone "replace, tar drive,outbuilding, and much more.

A must see! $399,000

WHITNEY PONDThis Wonderful year-round Post and Beam home on

Whitney Pond offers screened porch, deck,3 wood stoves, wood & tile !oors, 2 baths,

cathedral ceilings, exposed beams, 1st !oor master,tar drive, huge garage, plus much more!

$300,000

THOMPSON LAKEThis quality built, immaculate, year-round homewith expansive Thompson Lake & Mt. views from

almost every room offers 4 large bedrooms,open !oor, cathedral ceilings, 420 feet ofwaterfront, 2 dock systems, HUGE garage.

$475,000


Invest InYour Future!Buy a House Today!


Shoppingfor a Mainehome issimple at


ADVANTAGE

Ann ParkerBROKER/REALTOR

506 Main StreetLewiston, ME 04240Cell: 754-7809

Direct line:783-8115 Ext. 225Email: [email protected]

506 Main Street, Lewiston, ME 04240

Gorgeous water views from atop the hill on over 65 acres.What an opportunity to be part of a wonderful oceanfrontcommunity. Here is your chance to invest and live incoastal Maine. $99,000

Wonderful cape in quiet desirable neighborhood. Three bedrooms,garage and nice back yard. Mudroom and enclosed porch add to theliving space. Plenty of storage and economical to maintain. A Greatopportunity to get something beautiful and affordable. $107,000

Former electricians shop with so many possibilities. Largeoverhead garage door for truck access and storage.Office space and mostly warehouse-type areas. Great forplumbers, contractors, and electricians etc. Convenientlocation and priced to go!! $29,000

Better than new- customized with stainless steelappliances, fireplace, formal dining and master suite!Includes nearly 2 acres with garage, shed and smallbarn. Deep yard with fire pit and so much more!! Firsttime offered! $159,000

Over 26 acres with privacy and convenience. Zoned partly Ag.Resource and partly residential. Buildable in the residentialzone. Broken out of a larger parcel and recently surveyed. Callfor map and details. $49,000.

Wonderfully updated & well maintained cape in terrificlocation close to college, hospitals, schools & shopping.Hardwood & tile flooring. Huge deck to private backyard.Three bedrooms, family room in basement. New furnace.Ready for immediate occupancy. $149,900

Hiking trails to the lake with open fields and woods. Yourpiece of paradise in this spacious farmhouse with full in-lawapartment, barn and over 16 acres, all within minutes oftown. Two porches, rear deck and extremely private. Idealsoils for farming. $259,000

Spectacular four bedroom cape in desired neighborhood.New custom kitchen w/ corian & gorgeous cabinets.Hardwood & tile flooring throughout. Formal diningw/ sliders to huge private yard surrounded by trees. Firstfloor den/office, porch and garage. $164,900

COASTAL MAINE

Approximately 60 Acres with development potential. About1200 feet of road frontage on both Rabbit Road andBowdoinham Road. Some clearings and beautiful woodedareas. Still more land available or make an offer on what youwant. Creative sellers. $249,000

NEW PRICE

AFFORDABLE CAPE

26ACRES

PRIVACY

ROCKWALL

BOUNDARIES

COMMERCIAL

OPPORTUNITY

Beautiful 6 acre parcel with approximately 800 feet ofroad frontage. All ready to build on. Mobiles and Modularsallowed. Nicely wooded and private. More land available.$56,000

60ACRES VIEWS

ABSOLUTELY

STUNNING!

16ACRES-

NEAR LAKE

PRIVATE YARD

DEAD END

FARMERS PORCH

ADVANTAGE

Bob Brickel650-8209

This Land is Your Land...

Immaculate 2 bedroom home. Nearlymaintenance free. 2 car garage, vinylsiding, enclosed porch. Great cen-tral location with many upgrades.$107,900

FINISHED

BASEMENT

Lovely multi family home withthree bedrooms in each unit. Wellmaintained with lovely character,tin ceilings and some wood floors.$142,900

2-UNIT

3.3 Acres on Taylor Pond. Soiltested, Surveyed, Phosphorustest complete. Lovely buildable lotw/115' of water frontage on TaylorPond. $169,900

TAYLOR POND


CENTURY 21.REAL ESTATE FOR YOUR WORLD.

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Century 21 AdvantaRoy 754-6789ge • 506 Main Street, LewistonCentury 21 Advantage • 506 Main Street, Lewiston

5 BEDROOMS! NEW LISTING!

Well kept fully rented 3 unitin Lewiston. Features 3 cargarage, ample parking, niceyard, laundry hook-ups,porches & newer furnace. ONLY$119,900! Roy 754.6789

GORGEOUS 2004 CONTEMPORARY!

Beautiful *2004 *Contemporary inLewiston. Features 2 car attached heatedgarage, deck, patio, gorgeous hardwood& tile, fireplace, formal dining, central vac,*huge *bonus room above garage & more.#1051929. Only $227,500! Roy 754-6789

LOTS OF CHARM!

Cute & Cozy Cape in Paris. Metalroof, vinyl windows, garage, hugestorage shed, fenced-in back yard,updated kitchen & bath, 3 bed-rooms, porch & more! Low heatingcosts! #994601 PRICE REDUCEDTO $107,900! Laura 212-8633

Awesome *2009 *custom built Colonial in Auburnnear country club & turnpike. Offers approximately3,000 sq. ft., *5 bedrooms, 3 baths*, openconcept, master suite, gorgeous granite counters& hardwood floors, 1stfloor laundry, porch & 2 cargarage. #1052073. *Only $269,900!* Call Lauraat 212-8633

AWESOME 2009 COLONIAL!

GORGEOUS MULTI!

Multi in Lewiston. Features2 bedrooms in each unit, updatedplumbing & electrical, 2005 roofshingles, some vinyl windows,hardwood floors, laundry hook-ups& more! #969446 REDUCED TO$89,900! Call John at 754-9492

TeamL’Italien

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Cute Ranch in Mechanic Falls.Features 2 car attached garagewith breezeway, river views, patio,shed, nice yard & some updatesdone. #1042935 Only $110,000!Call Laura at 212-8633

754-6789

Awesome Ranch in Sabattus.Features 3 bedrooms, new roof,windows, doors, paint flooring andmore! Partially finished basementand attached heated garage!ONLY $149,900! Call Laura212-8633

NEW LISTING!

62+ PRIVATE ACRES!

Rustic Cape in Turner. 62+ privateacres, farmer’s porch, 2-car garage,carriage house, landscaping, trails,pistol range, master suite, 4 bedrooms,4 baths, generator, finished basementw/ WWII bombers bar. #1031086 *Pricereduced to $259,900!*. Laura 212-8633

AWESOME 2006 CAPE!

Gorgeous 2006 Cape in MechanicFalls. Features 4 bedrooms, 3 baths,2.6 acres, 2 car garage, pool, deck,large rooms, formal dining room,hardwood floors & awesome kitchenw/ SS appliances! #1042915 Only$185,000! Call laura at 212-8633

SMARTER. BOLDER.FASTER.

NEW LISTING!

Cape in Lewiston. Motivated sellersfor this 2/3 bedroom cape in greatneighborhood. Has big yard, attachedgarage, workshop, sun porch & newerfurnace. ONLY $99,900! John 754.9492

Spacious Gambrel in Lewiston.Features 5 bedrooms, new furnace,pellet stove, double living room,hardwood, garage, nice back yard& more! #1044942 ONLY $155,000!Call John at 754.9492

4 CAR GARAGE!

Gorgeous Colonial in Auburn.Features 4 car garage, deckw/ hot tub, 1 acre, hardwood& marble, huge bonus room,skylights, fireplace, security system,master suite & more! #1044253ONLY $250,000! Laura 212-8633

MOVE-IN READY!

Gorgeous Cape in Mechanic Falls.Features fenced in yard, garage,farmer’s porch, new furnace, new vinylsiding, new metal roof, hardwood,3 season porch & more! Move inready! #1046719 ONLY $119,900!Roy 754.6789

MOVE IN READY!

Awesome Colonial in Lewiston.Features nice yard, porch, 4 bedrooms,new pellet stove, formal dining & !finished basement. #1050365 ONLY$122,500! Roy 754.6789

RIVER FRONT!

Cute river front property in Auburn.Features hardwood floors, upd kitchen,formal dining, built-ins, deck, fenced in backyard & awesome water views!! #1049302ONLY $95,000! Laura 212.8633

RANCH IN GREENE!

Gorgeous Ranch in Greene. Features! acre, patio, landscaping, 3 bedrooms,1.5 baths & ! finished basement.Also offers newer furnace, shingles,septic & leach field. #1046223ONLY $134,900! John 754.9492

MOVE IN READY!

Gorgeous Ranch in Lewiston!Features .48 acres, hugeback yard, garage & more!#1039297 ONLY $100,900!Mike 212-3684

TURNER BEAUTY!

Turner beauty on 2 acres! 2 car garage,plus oversized heated 3-car garage,landscaping, mtn views, in-ground pool,awesome kitchen with cherry cabinets,tile, corian & ss appliances, open concept,cathedral ceiling, master suite. #1030514ONLY $260,000! Laura 212-8633

NEW LISTING!

WATERFRONT!

Awesome 4 season camp in Greene.Features 160’ owned wf on Sabattus Lake,gorgeous views, updated kitchen, new "bath, new flooring, new interior paint, hugeliving room w/ fireplace & more! #1039659ONLY $164,900! Roy 754.6789

Gorgeous Mobile in Paris!Features deck, 2 baths, shed, newflooring, ss appliances, mastersuite & more! Move in ready!REDUCED TO $68,900! #1025104Laura 212-8633

VERY NICE MOBILE!

Angie White,Broker/Owner

782-2121John

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WANTS VERSUS NEEDSBefore you begin house hunting, create a realistic "shopping list" to narrowyour search and give you an overview of different properties. Looking for ahome can take time, especially if you have not focused on what is mostimportant.

Create a "wish list" and a "must have" list. Many people focus more on "wants"than "needs." As a result, they sometimes reject homes that perfectly meettheir needs in search of homes that meet their wants. That's not to say thatyou shouldn't try to get what you want – you should just be able to tell thedifference between what you really need and what you would like to have.

The following is a chart to help guide you in your search:

insert worksheet here

Additional Notes:

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11Real Estate ReviewJuly 2012View ALL MAINE LISTINGS at: www.eraworden.com

Fairview AreaBANK WILL FINANCE!

1040859. 3 bedroom, first floorlaundry, 1.5 baths, bank will

finance 100% for buyer. $109,900Call Mary Ann 577-2754

Roxbury Pond1051078. 5.9 acres, log cabin and 2 baygarage off the grid. Gorgeous year-round

retreat or great hunting camp. $59,900Call Sheila 212-7405

1047247. A 3 bedroom, 2 bathwith sunroom, new windows,

new roof and new furnace pluswoodstove. $138,000

Call Mary Ann 577-2754

Roxbury Pond1027510. 100’ owned sandy beach! 3

bedroom, insulated, heated Camp with20x20 screen porch. A rare gem. $324,900

Call Sheila 211-7405

Auburn1041793. 3 bedroom, appliances,redone kitchen and bath plus 15x 20 room over garage. $114,900


1054038. Cape has private yardwith deck plus 2 baths, family

room, pellet stove, all appliances.$149,900

Call MaryAnn 577-2754

Auburn1001262. 4 bedroom has gated

patio, fenced yard and flowergardens. $139,900


Worthley Pond1039358. 170’ frontage on Worthley Pond.

A year round 1989 Saltbox 3 bedroomhome. Tons of glass, great views, skylights,

cathedral ceiling, .92 acre. $269,000Call Sheila 212-7405

Mexico999558. Renovated Farmhouse/Duplex. Barn, 2 story shed, 1.15acre, hardwood floors. Pristine.

Reduced to $119,900Call Sheila 212-7405

Peru1026903. Rustic 2006 home. 3

bedrooms, wrap around porch, custom.Fieldstone fireplace, 24 acres. $269,000


Auburn1032562. 3 bedroom, 2 bath has

applianced kitchen with eat-at bar,family room, plus deck and pool.Broker owner property. $135,000

Call Maryann 577-2754

1027089. A 3-4 bedroom inFairview area at end of street. Has2 baths, family room, new windows,

deck and more. $159,000Call Mary Ann 577-2754

Worthley Pond1027249. 7 room, 4 bedroom Cape

with 30 acres and 95’water frontage .4 car (2 bays heated) with overheadapartment. Call for list of amenities.

$384,900

1020706. Windswept Manorperched high on Rte. 2 in

Rumford. 11 rooms, too manyamenities to mention. $225,000


Mary Ann Norcross577-2754

Sheila Delamater212-7405

REDUCED

REDUCED

REDUCED

REDUCED

WordenWordenRealtyWordenERA

473 Center Street • Auburn, Maine 04210www.eraworden.com • [email protected]

Tim WordenB r o k e r / O w n e r

784-0159“CelebrateJuly 4th!”

www.eraworden.comwww.eraworden.com

Please welcome to ourERAWorden Team:LINDA TAYLOR

212-6972


HOW MUCH CAN IAFFORD TO SPEND?

For a general idea of your buying power, multiply your annual grossincome by 2!. For example, if you had a household income of $50,000,you might be able to qualify for a $125,000 home. The actual number maybe more or less, depending upon your individual situation, debts and credithistory.

You need to decide for yourself if you canlive comfortably with the amount of yoursuggested monthly mortgage payment.

However, mortgage lenders generally usetwo ratios to help determine how much youcan afford to spend each month on yourmortgage payment.

HOUSING EXPENSE RATIO

As a general guide your monthly mortgage payment should be less than orequal to a percentage of your income, usually about a quarter of your grossmonthly income. The percentage can change depending on the type ofmortgage you choose. However, there are mortgage productsavailable that focus solely on the debt-to-income ratio. Yourlender can provide more information on these types ofmortgage products.

DEBT-TO-INCOME

Debt-to-Income Ratio is the percentage of gross monthly income that goestoward paying for your monthly housing expense, installment debts, alimony,child support, car payments, and payments on revolving or open-endedaccounts such as credit cards.

Your buying power can be affected by factors such as your income, debt andcredit history. Your debt, such as credit card bills and car loans, and otherexpenses such as housing expenses, alimony and child support, should not bemore than about 30-40% of your gross income.

Some helpful hints...! Set a budget with your estimated mortgage payment. Make sure to include

taxes and insurance in your estimated payments.

! Remember your housing budget should include utilitycosts and a set amount for future home maintenance

and repair costs.

! Make sure you can meet your other financialgoals, such as saving for retirement and payingfor college tuition.

! Once you review your finances, select a mortgage amount thatallows you to reasonably meet your long-term goals and needs.


www.JerryDouglassRealty.com • www.JerryDouglassRealty.com • www.JerryDouglassRealty.com


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Serving the Central Maine area for over 30 Years

When You REALLY WantTO SELL OR BUY

Call (207) 782-2209


PolandOne floor living! Offers 4 bedrooms,

family room with gas fireplace &central air.Master bedroom has full

bath & office.6.5+/- Acres. $139,000Call Jerry

Auburn1st flr bedroom, 1st flr laundry, 4

season sun room & screened porchoff kitchen.Finished room upstairscould be extra bedroom.Walk outbasement.Attractive lot, last homeon street.$85,000 Call Bethany

PolandEnergy efficient home

boasting GEOTHERMALsystem! Family room w/ fireplace, office,1st flr laundry, Trex deck & porch.Freshly

painted inside & out.Attached garage& lg detached garage.Minutes from

Thompson Lake Marina! Call Bethany

Sabattus4 bedrooms, 4 baths & 1st floor

laundry.Family room with fireplace,office, jr.office, security system &2 car garage.Attractive 1 acre lot.

$269,900 Call Jerry

•www.JerryDouglassRealty.com •www.JerryDouglassRealty.com www.JerryDouglassRealty.com

BATHAttractive, elevated .32+/-

acre home lot in Bath.Offersprivacy & opportunity for

water view.Located minutesfrom public boat launch,

downtown restaurants & the-atre.$35,000 Call Bethany

•www.JerryDouglassRealty.com •www.JerryDouglassRealty.com www.JerryDouglassRealty.com•www.JerryDouglassRealty.com •www.JerryDouglassRealty.com www.JerryDouglassRealty.com

Fully Occupied6 Unit Multi-Family.Ample, pavedparking area.100% Occupied with

long term tenants.Building is inexcellent condition must see to

appreciate! Located near Route 4.$190,000 Call Jerry

LewistonIntown Cape with gourmet stove,updates & nice backyard.Afford-

able plus low taxes! Convenient tohospitals & turnpike.Priced to move

$48,000 Call Jerry

RICHMOND21 Acres

1,333’Road FrontageSurveyed & SoilTested

$52,000

11+ AcresSurveyed & SoilTested

$40,000Call Jerry

How To Buy APre-Owned Home

• Be sure to get your credit score before youshop for a house.

• Just because you’re approved for $200,000does not mean you have that much to spend.

• Don’t buy a house in a rush.


PREAPPROVALIf you think homeownership is for you, getting pre-approved for amortgage is a good idea. This determines the size of the mortgageyou qualify for, and therefore, decides the price range for the homesyou can look at.

Pre-approval helps you to:

• Know how much you can borrow.• Confirm your ability to qualify for a mortgage

based on your credit, financial and employmentinformation.

• Strengthen your position to make an offer on a house.A seller will be more willing to accept an offer if the buyer ispre-approved.

To become pre-approved, you'll need to work with a mortgagelender. The mortgage lender will review your credit history, earningsinformation, employment history and assets. You will need toprovide certain documents to the lender to verify this information.

After the review, the lender will give you a "pre-approval letter." Thepre-approval letter tells home sellers that you have the ability toqualify for a certain mortgage amount.

A pre-approval letter tells home sellers that you have the ability toqualify for a mortgage.

Getting pre-approved is not the same thing as getting pre-qualified.Pre-qualification simply states that the borrower qualifies for a loanbased on some preliminary questions but does not commit themortgage lender to approve the mortgage. The mortgage lender willstill have to conduct a complete review of your financial situation,including your credit report and your income and employmenthistory.

The pre-approval processis more thorough. Thelender does most of thework for full approvalexcept for an appraisaland title search becausethere is no propertyidentified to buy.


970 Baxter BoulevardPortland, Maine

Go to www.mainehomesearch.comfor more info and pictures.

Dawn Belisle-Marston• office - 553-7318• cell - 939-2827

Move in condition! Newwhite kit, pine flooring,3 bdrm, brick hearthw/ wood stove, newroof, windows, siding.Qualifies for RD & FHA!MLS #1048734.

$175,000.

Large split w/ 3 bdrm,1.5 BA, family rm, newwindows, roof & siding.Pretty sunroom w/ largedeck. 2 car garage on.85 ac. MLS #1038310.

$155,000.

NEWGLOUCESTER

SABATTUS

Rainbow FCU Main Office381-391 Main St. Lewiston

784-5453

Mechanic Falls Branch1 Lewiston Street, McFalls

346-3001

South Paris Branch172 Pine Street, So. Paris

743-5410

Auburn Office20 Washington St., Auburn

207-883-0351

Federally insured by NCUA

4 conveniently located branches to better serve YOU!

ARE YOU LOOKING TO...Buy aNewHome?

Refinancean

existingHome?

At Rainbow, “We are here for you!”Let us see what we can do for you.Call for a mortgage appointment

or apply online!

784-5435 207-783-0351

Become thehomeowner youalways dreamed

of being!


Recently professionally renovated. 1992 Burlington.Located in one of Central Maine’s finer communities.3 bedrooms, 1 3/4 baths, large living area, 16’ wide home.

$33,000

New 28x52 Marlette, Hearthside, 3 bedrooms, 2 baths, all sheetrock, 5/12 residentialroof pitch, gas fireplace with flat screen TV, oak cabinets, dishwasher, disposal,refrigerator, stove, built-in oven, 8x12 deck. Room for single car garage andmany otheroptions and upgrades. Setup and waiting for you at Fox Run Residential Community.

$84,900

New14x64Marlette, 2 bedrooms, 2 baths, fully appliancedincluding dishwasher and disposal. Oak cabinets, manyextras! Includes complete setup with front porch anddeck. To be setup at Fox Run Residential Community.

$49,900

New Marlette, 24x52 Pendant all-drywall home.3bedrooms,2baths, fully applianced includingdishwasherand disposal. Oak cabinets, fully loaded. Includes completesetup at Fox Run Residential Community.

$79,900

2000 Marlette by Shult, Smart Buy 1, 3 bedrooms, 2 baths,located in one of Central Maine’s finer communities.

$35,000

www.foxrunhomes.comA Clayton Five Star Customer Service Awardrecipient given for consistently achieving thehighest levels of customer satisfaction!

1286 Sabattus Street, Lewiston

SOLD

July 2012 RER

Documents

bed home

new boiler

screen porch

oors stone fp

plussuperb kitchen

graygorgeous kitchen

kitchen fam

bed ranch woak coriankitchen