Sharon Lanen Coskren - Leading Edge Real Estate



Posted by Sharon Lanen Coskren on 7/20/2018

You already know that closing costs on a home can come at a hefty price. There are a few ways that you can actually cut down on the amount of closing costs that you may have on a home. 


Compare The Costs


You have the right to shop around for a lender who offers the lowest closing costs. You can even ask your lender to match the closing costs of another lender that may have them for a lower fee. Certain fees that are included in the closing are negotiable and flexible. Youíre allowed to shop around for inspections, title searches, surveys, and the like. Thereís nothing that says you have to go with the company recommended by your lender for each. There should be a list of services that is included in the closing costs on your estimate that you receive form the lender.


Question What Each Fee Covers


When you get the loan estimate, donít just accept it. Take a look at each item and inquire what the fee includes. See why each item costs as much as it does. Be on the lookout for fees with similar names. The lender could be double charging you without your knowledge. Itís always good to be informed especially where large investments are involved.        


 

Negotiate


You have the right to negotiate with your lender on the closing costs. You can ask for obscure and unnecessary costs to be taken off from the closing. Getting the closing disclosure form as soon as you can will also help you to settle any discrepancies before itís too late. 


Ask The Seller


Some sellers will even be willing to sweeten the deal for you by either lowering the sale price of the home or covering some or all of the closing costs. Depending on the market, you may be able to get the seller to help reduce your burden of the closing costs. 


If Youíre Refinancing 


Every time that you refinance your home, youíll need to pay closing costs. There are a couple of ways that you can save in this situation. One is to waive the appraisal altogether. If the home has recently been appraised, you may be able to waive the appraisal completely. You can also request an automatic appraisal rather than a full appraisal in order to save some money.

The other option that you have when refinancing to save money is to save on the title insurance. You can ask for whatís called a re-issue date, which is a less expensive rate for the title insurance for refinancers.


Closing costs are a part of the process when you buy a home. If youíre careful, you might be able to save some money on these mandatory fees.




Categories: Uncategorized  


Posted by Sharon Lanen Coskren on 7/19/2018


111 Marian Dr, North Andover, MA 01845

Single-Family

$549,900
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Enjoy serene tree lined views from the backyard of this lovely colonial on a quiet cul de sac. Spend summer days relaxing on your screened in porch enjoying all that nature has to offer. Lots of lawn plus deck for barbecues, games and summer activities. When it gets colder, light filled family room overlooks private backyard offering you a quiet retreat. Nice front to back living room and spacious eat in kitchen provide plenty of room for entertaining. Great mudroom/laundry combination on first floor makes it easy to get organized. Second floor has oversized master suite with window seats to relax and enjoy your morning coffee. There's also a sitting room and master bath plus three additional bedrooms. Bonus finished space in lower level is perfect for workouts, playroom and home office. Freshly painted interior. All of this plus an easy commute to major highways, shopping and dining.
Open House
Sunday
July 22 at 1:00 PM to 2:30 PM
Cannot make the Open Houses?
Location: 111 Marian Dr, North Andover, MA 01845    Get Directions

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Categories: Open House  


Posted by Sharon Lanen Coskren on 7/14/2018


111 Marian Dr, North Andover, MA 01845

Single-Family

$549,900
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Enjoy serene tree lined views from the backyard of this lovely colonial on a quiet cul de sac. Spend summer days relaxing on your screened in porch enjoying all that nature has to offer. Lots of lawn plus deck for barbecues, games and summer activities. When it gets colder, light filled family room overlooks private backyard offering you a quiet retreat. Nice front to back living room and spacious eat in kitchen provide plenty of room for entertaining. Great mudroom/laundry combination on first floor makes it easy to get organized. Second floor has oversized master suite with window seats to relax and enjoy your morning coffee. There's also a sitting room and master bath plus three additional bedrooms. Bonus finished space in lower level is perfect for workouts, playroom and home office. Freshly painted interior. All of this plus an easy commute to major highways, shopping and dining.
Open House
Sunday
July 15 at 12:30 PM to 2:00 PM
Cannot make the Open Houses?
Location: 111 Marian Dr, North Andover, MA 01845    Get Directions

Similar Properties





Categories: Price Change  


Posted by Sharon Lanen Coskren on 7/13/2018

AI (artificial intelligence) is moving in on the homefront. And at the head of the pack is Amazonís Echo with its assistant, Alexa. Echo comes in 3 options: a minimal hockey-puck-shaped device, a sleek tube in fashionable shades that make it a natural addition to your home decor, and a square-shaped device with a video screen, camera and mic capabilities.

Many are eager to bring home Alexa and make it the newest addition to their home but are left wondering what exactly does it do?

First, you need to teach Alexa which commands to recognize and perform. These commands are called ďskillsĒ And there is a whole library jam-packed with them. So where to start?

Create a Flash Briefing. Create your own daily update feed with the Flash Briefing option. You choose which sources you want Alexa to pull from and which time to report in. Get the weather, news and other updated while you get ready every day.

Use as an alarm in the morning - wake up to music, a radio station, the news, etc. If itís available via Amazon Music itís fair game.

Order a ride via Lyft or Uber. You can ask how much the trip will be and have it automatically billed to your account. Speed up getting ready to go out by coordinating your ride while you put on your final touches.

With multiple devices, you can sync music to play throughout your house. The app allows you to group all of your devices together into one cohesive house-wide system. Whether you want to listen to music, the news, a podcast or an audible book you can hear it no matter where you go - perfect for cleaning days.

Order pizza from Dominoís or Pizza Hut. Who doesnít want pizza to arrive at their beck and call?  

Tune your guitar. With this skill, Alexa plays a song for you to match and listens in until you match up perfectly. Which means you donít need another device, app or website to keep track of.

Sync up to your Fitbit to ask for updates on your latest activity and step progress for the day. In fact, you can even get more steps in while you ask since you donít have to sit down at the computer.

With a Wemo Smart Plug, you can enable Alexa to turn devices on and off with a simple voice command. And with their light switches, you can turn lights on, off and change the brightness to match your mood.  

If you have a Hyundai, Mercedes or Ford with the right capabilities you can have Alexa start your car for you. Giving you five more minutes to grab breakfast for once.

Meditate with the Stop, Breathe, & Think meditation skill for Alexa. Just say how long you want to meditate for and settle in to clear your mind. Who said technology keeps us distracted?

And then there is always the option to ask Alexa which skills to enable. So meta!




Categories: Uncategorized  


Posted by Sharon Lanen Coskren on 7/12/2018


111 Marian Dr, North Andover, MA 01845

Single-Family

$575,000
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Enjoy serene tree lined views from the backyard of this lovely colonial on a quiet cul de sac. Spend summer days relaxing on your screened in porch enjoying all that nature has to offer. Lots of lawn plus deck for barbecues, games and summer activities. When it gets colder, light filled family room overlooks private backyard offering you a quiet retreat. Nice front to back living room and spacious eat in kitchen provide plenty of room for entertaining. Great mudroom/laundry combination on first floor makes it easy to get organized. Second floor has oversized master suite with window seats to relax and enjoy your morning coffee. There's also a sitting room and master bath plus three additional bedrooms. Bonus finished space in lower level is perfect for workouts, playroom and home office. Freshly painted interior. All of this plus an easy commute to major highways, shopping and dining.
Open House
Sunday
July 15 at 12:30 PM to 2:00 PM
Cannot make the Open Houses?
Location: 111 Marian Dr, North Andover, MA 01845    Get Directions

Similar Properties





Categories: Open House  




Sharon Lanen Coskren