Ben Esposito - RE/MAX Real Estate Center



Posted by Ben Esposito on 4/18/2018


8 Cross St, Foxboro, MA 02035

Single-Family

$349,900
Price

6
Rooms
3
Beds
1
Baths
Wonderful opportunity to buy in Foxboro. This one level ranch it set on a quiet peaceful street on the north side of town, private lot with a flat, level, fenced in backyard. Major updates have been done over the years including the roof, boiler, water heater, electric panel, septic, driveway, and more! Inside you'll find hardwood floors through the living room, hallway, and generously sized bedrooms with large closets. Lots of natural light, this home is open & airy. Additional features include a 3 season porch with wood/pellet stove hookup, 1 car garage, finished room in basement, and tons of storage. Showings start at the open house on Saturday April 21st from 11-12:30.
Open House
Saturday
April 21 at 11:00 AM to 12:30 PM
Cannot make the Open Houses?
Location: 8 Cross St, Foxboro, MA 02035    Get Directions

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Categories: Open House  


Posted by Ben Esposito on 4/18/2018


8 Cross St, Foxboro, MA 02035

Single-Family

$349,900
Price

6
Rooms
3
Beds
1
Baths
Wonderful opportunity to buy in Foxboro. This one level ranch it set on a quiet peaceful street on the north side of town, private lot with a flat, level, fenced in backyard. Major updates have been done over the years including the roof, boiler, water heater, electric panel, septic, driveway, and more! Inside you'll find hardwood floors through the living room, hallway, and generously sized bedrooms with large closets. Lots of natural light, this home is open & airy. Additional features include a 3 season porch with wood/pellet stove hookup, 1 car garage, finished room in basement, and tons of storage. Showings start at the open house on Saturday April 21st from 11-12:30.
Open House
No scheduled Open Houses

Similar Properties





Categories: New Homes  


Posted by Ben Esposito on 4/18/2018


29 Partridge Way, Easton, MA 02356

North Easton

Single-Family

$699,900
Price

10
Rooms
4
Beds
3/1
Full/Half Baths
Stone front Colonial home in coveted Chestnut Knoll neighborhood. Walk inside and you'll immediately notice the unique architectural design of the curved grand staircase and the large open foyer. Gleaming hardwood floors carry through the formal living room w/ fireplace and large bay window then into the large library w/ custom built-ins and large picture windows. They continue into the lovely kitchen, complete with granite countertops, breakfast bar, large eat-in space and oversized windows. A casual living room with skylights and access to the back deck, and a half bath complete the first level. Upstairs is your master suite w/ full bath and walk-in closet and 3 additional bedrooms and full bath. There is also a separate space for an in-law/guest room in the oversized bonus room with full bath. Head outside to enjoy the backyard oasis, which boasts an in-ground pool, large deck, professional landscaping and your very own putting green! ***Open House Sunday 4/22 12-1:30***
Open House
Sunday
April 22 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 29 Partridge Way, Easton, MA 02356    Get Directions

Similar Properties





Categories: New Homes  


Posted by Ben Esposito on 4/18/2018


29 Partridge Way, Easton, MA 02356

North Easton

Single-Family

$699,900
Price

10
Rooms
4
Beds
3/1
Full/Half Baths
Stone front Colonial home in coveted Chestnut Knoll neighborhood. Walk inside and you'll immediately notice the unique architectural design of the curved grand staircase and the large open foyer. Gleaming hardwood floors carry through the formal living room w/ fireplace and large bay window then into the large library w/ custom built-ins and large picture windows. They continue into the lovely kitchen, complete with granite countertops, breakfast bar, large eat-in space and oversized windows. A casual living room with skylights and access to the back deck, and a half bath complete the first level. Upstairs is your master suite w/ full bath and walk-in closet and 3 additional bedrooms and full bath. There is also a separate space for an in-law/guest room in the oversized bonus room with full bath. Head outside to enjoy the backyard oasis, which boasts an in-ground pool, large deck, professional landscaping and your very own putting green! ***Open House Sunday 4/22 12-1:30***
Open House
Sunday
April 22 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 29 Partridge Way, Easton, MA 02356    Get Directions

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Categories: Open House  


Posted by Ben Esposito on 4/15/2018

You know when you buy a home that your credit score matters, but do you see all of the numbers that matter to your financial picture when youíre buying a home? Your debt-to-income ratio is one of the most critical figures that will influence if you can get a mortgage and what type of rate you can get. 


What Is A Debt-To-Income Ratio?


This number is exactly what it states: the ratio of debt divided by your gross monthly income. Your credit report doesn't include any of this income information. This number is actually the best way to see if youíre living within your means or not. This way, your lender will know your monthly debt payments along with your monthly income.  


If your ratio of debt is high, you may not get a loan or get less desirable interest rates than if you had lower amounts of debt. Even if you have a high credit score, your debt-to-income ratio could affect these things. In reality, a higher debt ratio will make it harder for you to pay back your debt, so itís important to you. 


How Itís Calculated


You can use an online tool to help you calculate your debt-to-income ratio. You can also use a simple formula if youíre up for doing some math yourself:


Divide your monthly debt payments by your monthly gross income then multiply that number by 100. For example:


Student loans: $400

Car loan: $300

Rent: $700

Income: $4,000 


1400/4000= 0.35 x 100= 35%


Household Ratio


You should also be aware of something called your household ratio. The household is the amount of home-related expenses which includes property taxes, prospective mortgage, home insurance, and more. These costs are divided by your monthly income to get this ratio as well. Obviously, your household debt adds to your financial commitments and is also put into consideration by your lender.    



Whatís A Good Debt-To-Income Ratio?


Itís ideal that you keep your ratio less than 36%. Your household ratio should be even lower than this. Itís great to be debt free, but in the real world, thatís not always possible. Your best bet is to be responsible with your finances and work on paying your debt down as much as you can. Then, little by little all of the critical numbers that are required to get a mortgage will fall into place.