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D E C E M B E R 1 6 - J A N UA R Y 1 2 2 0 1 7 | F R E E
HOME
BUYER © 2017
rihomebuyermag.com
The Home of the Professionals
Call 401-837-0239 For Advertising Info
Elegantly Affordable
1833 Cranston Street, Cranston RI (401) 942-6910 www.PremierKitchensRI.com
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O U R
A D
O N
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Building Relationships One Home At A Time
Residential
Diana Barone Full Service Realtor
“Over $4 Million in Sales 2016”
Contact Daniel S. Balkun
NMLS - #2748
(401) 822-4444 www.aplusinri.com *See Our Ad on Pages 18-19
P A G E
1st Choice
President Phone: 401.369.9100 Cell: 401.230.0432 e-mail: dan@balkuntc.com
Joe DeChristofaro (401) 837-1976 - c joe@joedechristofaro.com www.JoeDeChristofaro.com
Page 5 Inside For Details! Moving Is Stressful, Choosing The RightSee Company Doesn’t Have To Be
0% DOWN
Gentry Moving is the company that individuals and families trust. At Gentry Moving, we specialize in all types of residential moves. Whether you are moving to or from a studio apartment or a five-bedroom home, Gentry Moving helps Residents On-The-Move.
On the day of your move, our crew will be punctual and uniformed, and you can trust that all of your belongings will be handled with care. As highly trained and courteous movers, each crew member fully understands that they are part of a team tasked with moving more than your belongings, but your home.
Mortgages Available!
• Sellers • Buyers • Investors • Rentals • Short Sales
980 Reservoir Ave. Cranston RI
(401) 226-3374
(401) 943-6111 X114 Fax: (401) 633-6110 dianabarone@aol.com www.DianaBarone.com
YOUR NEIGHBORHOOD,
is My Neighborhood!
Your Local Mortgage Resource. Call Pier Today! Pier-Mari Toledo
(401) 562-1238
Your Local Mortgage Resource.*
Any size move can be extremely overwhelming. When you choose Gentry Moving, we take Mortgage Lending ptoledo@wavefcu.org Director, years of financial stability. the burden away75+ and ensure your moving experience is as smooth as possible.in all facets of mortgage lending and a commitment to objectivity, With over 22 years of experience
S E E
PA G E
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I N S I D E
F O R
D E TA I L S !
Call Pier today! Ride the Wave to financial security. rimortgagezone.com
Call us today at 855.436.8799 for a free estimate, and experience how Gentry supports• your every Fixed ratemove. mortgages • FHA mortgages
LMN PAINTING
SUPPORTING YOUR EVERY MOVE
• Adjustable rate mortgages
• VA mortgages
• 3 ½% down payment mortgages
• Purchase or
Contact Us GentryMoving.com • First time homebuyer’s programs Today For AllToledo, Pier-Mari Also ask us about any special mortgage opportunities Mortgage Of Your HomeConsultant those purchasing foreclosed property or high balance Serving RI, MA and CTfor | 855.436.8766 | Trusted info@gentrymoving.com Rhode Island’s Realtor (401) 562-1238 Painting Needs. SATISFACTION
ptoledo@wavefcu.org
LIC# 36886 and Insured
Contact Paul Today: lmnpainting@yahoo.com
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401-301-1405
PREFERRED, TOWN & COUNTRY, PROPERTIES
Just the truth!
Email: daddyrealtor1@gmail.com
Call (401) 651-1133
RESIDENTIAL AND COMMERCIAL REAL ESTATE
Licensed In RI, MA and CT Call Us Today For A FREE Estimate
855.436.8799 www.gentrymoving.com
Join Our Winning Team @JOINREMAX.COM
Phone: 401-864-3849
www.makeyourmovewithjohn.net
Carley
Construction
Warwick, RI 480 Greenwich Avenue, 02886 35 Veterans Memorial Dr., 02886 • 1217 Warwick Ave., 02888 Pawtucket, RI 341 Benefit Street, 02861 Is Stressful, (401) 781-1020 • Toll Free (1-888-492-8328)
Moving Free Comparative Analysis Phil Colasante Choosing The Right Buying or Selling Company Doesn’t tricks. Noto gimmicks Have To Be. RideNo the Wave financial security. wavefcu.org
Interior And Exterior!
John Manocchio
General Contractors
Residential, Commercial & Industrial Contracting Services
401-545-1620
www.carleycontructionco.com
Whether you are moving across the street or across the State...
401-942-0200 williamsandstuart.com CONVERTING TRANSACTIONS INTO RELATIONSHIPS
Home of the Top Producers
and those that aspire to be!
To Find Your Dream Home Visit RI-Homes.com *See Our Ad On Page 15
One Sale at a Time BUYING/SELLING
COMMERCIAL/RESIDENTIAL
SHERRI FARIA
FULL-TIME FULL SERVICE REALTOR
Call (401) 862-9699
Advantage Group
| www.sherrifaria.com To Advertisesherrifaria@cox.net Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
WELCOME THESE BUYERS 875 Oaklawn Avenue Cranston RI, 02920
HOME
for the Holidays!
RECENTLY SOLD!
John Manocchio - Team Director, ABR, SRS, SSR | Phone: 401-864-3849
jfmanocchio@rires.com | www.makeyourmovewithjohn.net | facebook.com/johnmanocchiorealtor To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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NED CASWELL 401-782-0555
Flagship
nedc@rihomesearch.com | nedcaswell.com South Kingstown
Narragansett
The Village at Indian Lake, 3BR Contemporary Colonial, private cul-de-sac, assoc. club house, tennis, beach & boating, hardwoods, cherry kitchen, mudroom, LL fam rm, front & rear porch, Koi pond. Subject to seller finding suitable housing.
Scarborough Beach -500 feet to beach; 180 degree ocean views, 4 level 2,880 total SF Contemporary, 3-4 bedrooms, decks front & rear, lots of quality built in. Exceptional! $610,000
$449,900
South Kingstown
VISIT
US ON THE
Narragansett
South Kingstown
“Wilderness Farm” Matunuck Hills - Ministerial Road - 5 acres beautifully wooded with Rhododendrons, Laurel, oaks, Pine. Walking access to pristine Tucker’s Pond! $295,000
Narragansett Pier Gibson Court A classy totally renovated 2 bedroom, 2 1/2 bath Condominium. Fireplace, appliances, nicely appointed. A must see! $449,900
Dockray/Pine Hill Unique opportunity! 1,161 SF Ranch, plus a 1,200 SF unfin. addition, over 2,300 SF total. 4 Garage spaces, porch & deck, full basement, private yard, plans available, special financing, purchase & repairs combined into one loan.
$385,000
WEB
AT W W W . N E D C A S W E L L . C O M
0% DOWN
Mortgages Available!
Your Local Mortgage Resource. Pier-Mari Toledo Director, Mortgage Lending (401) 562-1238 ptoledo@wavefcu.org
With over 28 years of experience in all facets of mortgage lending and a commitment to objectivity, Pier can help you find the right mortgage to fit your needs and your budget.
Call Pier today! • Fixed rate mortgages
• FHA mortgages
• Adjustable rate mortgages
• VA mortgages
• Low down payment mortgages
• Purchase or
• First time homebuyer’s programs
Ask us about our Free Competitive Analysis
Ride the Wave to financial security. 4
75 +
www.rimortgagezone.com
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Warwick, RI 480 Greenwich Avenue, 02886 Warwick, RI 1217 Warwick Avenue, 02888 (401) 781-1020 • Toll Free (1-888-492-8328)
Celebrating Our 6 Month Anniversary
We would like to thank everyone for their support!
Happy Holidays
and a
Happy New Year
From all of us
at Balkun Title
Contact Daniel S. Balkun President Phone: 401.369.9100 | Cell: 401.230.0432 | e-mail: dan@balkuntc.com
33 College Hill Road, Suite 25E, Warwick, RI 02886 To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Merry Christmas & Happy New Year From Your Real Estate Professionals!
Deb Blanchet
John Blanchet
Jessica Giorgi
Joe DeChristofaro Executive Realty (401) 837-1976
Blanchet Group at RE/MAX Town & Country
Blanchet Group at RE/MAX Town & Country
Blanchet Group at RE/MAX Town & Country
Leslie Donfrancesco-St.Jean RE/MAX Advantage Group (401) 486-5571
Reba Golden Keller Williams Realty (401) 263-8749
Diana Barone RE/MAX 1st Choice (401) 226-3374
Joseph A. Del Sesto
Helen R. Coupe RE/MAX Metro (401) 935-8146
Debra Fonger Coldwell Banker (401) 588-2523
Pat Oliver Keller Williams Realty (401) 573-9970
Marie Puleo Flaherty RE/MAX 1st Choice (401) 474-7508
Richard Leone Coldwell Banker (401) 481-4276
Mike Behm Premier Homes Realty RI (401) 265-9437
Rene C. Hague RE/MAX 1st Choice (401) 941-0200
Angelo Greco Greco Real Estate (401) 286-8404
(401) 743-6137
(401) 248-1026
(401) 231-9497
The Del Sesto Group Keller Williams Realty
(401) 942-2348
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Contractors & Construction Managers Since 1966
A. GERVASIO EXCAVATION CO. Septic Systems: Design and Repairs Site Work • Driveways • Boulder Walls
Residential and Commercial
CALL PETE
401-258-1782 agervasioconstruction.com 8
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Carley
Construction
General Contractors
Design & Build
Additions, Remodeling Conversions, Vinyl Siding Roofing, Decks Replacement Windows Finish Work Framing, Kitchens Bathrooms Your One Stop Source For Hardscape, Paving and Outdoor Equipment • Nicolock Products and Rosetta Stone • Bluestone Flagging and Treads • Natural Wallstone and Veneers • Manufactured and Thin Veneers • Cobblestone and Brownstone • Full Line of Outdoor Power Equipment 112 Old Pocasset Road, Johnston, RI
401.942.8857 | www.hartfordmaterials.com
Since 1988 Ful l y I n s ured
RI R eg #5509
Residential, Commercial & Industrial Contracting Services
401-545-1620
www.carleycontructionco.com
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
9
THINKING OF SELLING? WE HAVE BUYERS WAITING….LISTINGS NEEDED! Now Is The Time…Call Your Local Century 21 Office Today For A Free Market Analysis
CENTURY 21 ACCESS AMERICA
CENTURY 21 REALTY ASSOCIATES
CENTURY 21 STACHURSKI
CENTURY 21 TOPSAIL REALTY
Coventry, RI 02816 | (401) 828-2100 Pawtucket, RI 02861 | (401) 725-1115
CENTURY 21 TREND REALTY
Portsmouth, RI 02871 | (401) 683-4900
CENTURY 21 ACCESS AMERICA
Cranston, RI 02910 | (401) 942-0110
Newport, RI 02840 | (401) 849-9192
CENTURY 21 TOPSAIL REALTY
Bristol, RI 02809 | (401) 254-1900
CENTURY 21 BUTTERMAN & KRYSTON
East Greenwich, RI 02818 | (401) 885-6260
Pawtucket, RI 02860 | (401) 521-9490
CENTURY 21 STACHURSKI
CENTURY 21 GONSALVES-PASTORE
Lincoln, RI 02865 | (401) 724-5600
Cumberland, RI 02864 | (401) 728-2770 “Highest Overall Satisfaction for First-Time Home Sellers”
Check Us Out At www.century21.com Interested in a Career in Real Estate? Sales Positions Now Available… No Desk Fees, Free Advertising, Free Leads and lots more! Call your local office today. Pre-License Classes are available Find out what CENTURY 21 can do for you!
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SMARTER. BOLDER. FASTER
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Warwick
Foster
Coventry
Young water view colonial has 2 huge decks with 3 sliders, open floor plan, 1st floor hardwoods, 1st floor office, 2.5 baths, 2 car garage, sprinklers, all on a double lot. Dead end street, 2 minute walk to water. $309,900
Character abounds in this log home with 4 beds, 2 baths, stone fireplace, copper kitchen, dining room, sun room, central air, detached garage, in-ground pool, 1.14 acres. $297,000
New septic being installed. Come see this three bedroom ranch featuring hardwoods, one car garage, corner lot and much more. Located in neighborhood close to everything. $184,900
Coventry
Coventry
Warwick
Coventry
Pawtucket
Like new, beautiful cape built in 2002! Open 1st floor layout with hardwoods, formal dining, kitchen with island. Brand new carpets in bedrooms. Views of lake. Clean home, nice show! $219,900
Charming colonial features crown moldings, hardwood floors, open layout, living room with fireplace, eat-in kitchen, master, 3 beds, office, 2.5 baths, central air, 2 car garage, fenced yard abuts acres of open space. Must see! $314,933
Solid ranch home in move in condition. Open living room, kitchen with sliders to private patio. Fenced yard with one car attached garage. $199,900
Adorable describes this home. Nice well cared for ranch in Darlington. Partially finished lower with detached one car garage and great open porch area for extra entertaining space. Come take a look! $184,900
Quality new construction colonial on beautiful corner lot! Hardwoods, granite, ceramic, gas heat & central air. Nice bay side neighborhood to live in! Bay views from 2nd floor master BR. Come early and choose colors, finishing touches. $369,900
West Warwick
Located in Governors Hill...end unit with private setting featuring shed, patio, master bedroom with huge walk-in closet, bedroom with lots of closets, utility room for storage, laundry on second floor. New gas furnace just installed. $179,900
North Providence
Lots of living space in this well maintained colonial with 4 bedrooms and 3 full baths. Living room with brick fireplace, formal dining room, sunroom. Nice location with easy access to Rt. 95, shopping. $249,500
North Providence
Motivated Sellers! Brand new furnace & 1 yr. old water heater! Replacement windows, large living room with fireplace. Lg master bedroom, hardwoods throughout! Huge back yard for fun & games! Sun porch. Clean & dry basement. 1 year home warranty! $189,900
West Greenwich
2 Separate Houses on 9.7 acres! 3-4 bed home, 3 full baths, dining room, family room, laundry 1st floor, solarium with indoor year round heated pool, over 3,500+ sq. ft. , PLUS 26’x 40’ 5 room raised ranch, (Taxes $4,509) 400’ frontage, horses ok. $639,900
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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800 Oaklawn Ave Suite A2 Cranston, RI
401.942.0110
Realty Associates
c21realtyassociates.com
MEET OUR TEAM OF AGENTS Garry Reilly 401-228-5936
Dennis Sackal 401-935-2282
Isabel Ferreira 401-996-9685
Sandy Deignan 401-585-5791
Ann Carroccia 401-256-9557
Howie Reiner 401-465-9752
Ilene Rose 401-536-5585
Janet Carroccia 401-559-4514
WELCOME OUR NEWEST AGENTS
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Robert Corsini 401-458-8563
Anabela O’Shea 401-935-5498
Robin Mott 401-952-5470
Michael Clapprood 401-419-9912
Lisa Jester 401-996-4928
Lisa Gallinari 401-996-1186
Brenda Estrada 401-248-5909
David Kaplan 401-585-0684
Isabel Amado 401-864-4010
Linda Campopiano 401-450-5734
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Meet Our
Newest
Team Members
CRANSTON
Meticulous colonial on a sprawling 3 acre lot. Addition of a beautiful 3 season room not included in the sq footage, granite kitchen w/ ss appliances. Brand new maintanence free deck. Gleaming hardwood floors, two gorgeous fireplaces and more. $199,900
NORTH PROVIDENCE
Great Location! Quiet area, 2 Bed 2.5 Bath spacious townhouse with garage, new rug,paint, blinds, slider, deck, finished lower, alarm, low fees. Taxes do not reflect homestead $166,900
Yolanda Nazario
401-480-3668 Se Habla EspaĂąol
Mike Grandchamp 401-529-8054
Come & Join Our Team
If you are looking for a great place to work we have openings for new and experienced real estate agents.
PROVIDENCE Heart of Garden City! Gracious main level with kitchen, living room, 4 Remodeled bedrooms, sliders to south-facing deck, 3 zone sprinkler, french drains and newly landscaped. A must See! $319,900
PROVIDENCE Attention investors, call today to view this Mixed Use property that has a history of long tenancy and huge potential! Minutes from Downtown Providence and may also be purchased as a package with MLS # 1139110. $250,000
We Are A Full Service Residential and Commercial Real Estate Office
Call for a confidential chat anytime. We would love to hear from you.
653 Atwood Avenue, Cranston, Rhode Island
401-270-1174 GrecoRealEstate.biz
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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E A S T
S I D E
A N D
D O W N T O W N
P R OV I D E N C E
! LD O S
S A L E S
! LD O S
East Side
545 Angell St Classic colonial just steps from Wayland Square. Fabulous gourmet kitchen, large master bedroom, excellent mechanicals, replacement windows, recent roof, City living at its best! $600,000
East Side
Sales - Rentals - RI - MA 2016 Multi-Million Dollar Producer with over $4 Million in Sales...
G DIN N PE
Your Home Next! Call Me!
Joe DeChristofaro
Downtown Providence
Orange Street Condos Fantastic Down city Loft in Heart of Financial District! Incredible Value w 1500 + sq.ft of Open Floor, three gracious rooms, Walk-in closet, Granite/Stainless Steel Kitchen, Must See! $199,900
(401) 837-1976 - c joe@joedechristofaro.com www.JoeDeChristofaro.com
Corliss Landing Impressive (2Bed/2.5Bath) townhouse style loft w/ bright open layout features tall ceiling height w/ exposed wood beams + oversized windows that overlook the courtyard. Garage parking. Awesome location! $334,000
! LD O S
Downtown Providence 274 South Main St 1BR condo in great location close to Brown, RISD, Downtown Providence, Wickenden St. Needs total rehab, has already been gutted, no kitchen, requires cash only. Not a short sale or foreclosure. $125,500
Phil Colasante
Email: daddyrealtor1@gmail.com
Call (401) 651-1133
Residential and CommeRCial Real estate
B uying
oR
s elling ? n o tRiCks . n o gimmiCks . J ust
the tRu th !
C all Ri’ s t Rusted R ealtoR
AL E DIC SPAC E M ED LAT RE
FosteR | $274,900
now asking
$269,900 MOTIVATED SELLER! Spacious 4 bedroom home, great area, great school system, house is in move in condition, new kit cabinets, fresh paint, new carpets, hardwoods redone, part finish basement with possible 5th bed and play/tv area, beautiful lot! 33 - 1/2 MOUNT HYGEIA RD - MLS# 1135493 14
CRanston | $2,500 PeR/mo.
Medical space in a medical only building. 3 examining rooms with a larger room could make 5. Can also expand space to 1700’ rent includes all expenses (heat, elec, condo fees etc). CALL FOR MORE DETAILS!
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Join Our Winning Team
@JOINREMAX.COM
PREFERRED, TOWN & COUNTRY, PROPERTIES
Home of the Top Producers
and those that aspire to be!
RE/MAX Preferred 1417 Douglas Avenue North Providence, RI 02904 401-353-2200 www.3532200.com
RE/MAX Town & Country 2081 Diamond Hill Road Cumberland, RI 02864 401-333-0020 www.3330020.com
RE/MAX Properties 696 Douglas Pike Smithfield, RI 02917 401-232-3900 www.2323900.com
RE/MAX Properties Branch Office 261 Main Street, Unit 201 North Smithfield, RI 02896 401-356-1519
To Find Your Dream Home Visit RI-Homes.com Or Contact One Of These Offices To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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WEST GREENWICH
PROVIDENCE
CRANSTON ING
D EN
P
Stunning open space floor plan complete with 2 oversized master suites on the 1st w private walkouts to deck, in-ground pool and yard! 2nd fl includes bed/bath suite with living areas!4bd 4bth 2.5 car garage, lndry on 1st tons of storage hghwy access. $539,900
Massive home full of potential. 14 Total Rooms. Formal Dinning, Fire place. Over look Mashapaug Pond. Three full living levels with fenced in yard. $149,000
Great neighborhood! Abutting back 9 of local golf course w fenced yard and tons of privacy! One level living w Laundry on 1st! Well maintained, hardwood floors, vinyl siding, new windows, large den, sprinklers and more! Close to everything! $179,900
PROVIDENCE
LINCOLN
JOHNSTON
ING
D EN
P
Newly renovated 3 family home w/ many updates conveniently located in the heart of Providence w/ easy Highway access & minutes to downtown. Perfect for owner occupied (live for free) &/or great investment. $249,800
NORTH KINGSTOWN
Pride of ownership! Located in quiet neighborhood on dead end, moments from highway & shopping! 3beds, 2 full baths w spacious split level design! Tons of storage! Turnkey solution! 200 amp electric, new windows & more! Sod lawn with irrigation & patio! $205,000
NORTH KINGSTOWN
NORTH PROVIDENCE
L SO
Built on stunning & private drive to a 4 acre lot, this contemporary style home has much to offer. Totally renovated living spaces, hardwoods, granite & ss EIK, cathedral ceilings, fireplaces, sun room, master suite, indoor parking for 5 cars & more! $417,500
NORTH SMITHFIELD D!
Immaculate & stunning 4 bd 3.5 bth colonial w over-sized master suite, in-law, granite kitchen, updates throughout, generator, 3 car garage and lovely 1.5 acre well manicured lot The Glen! Easy ride to train, beach, BOS, PROV & more! $565,000
NORTH SMITHFIELD D!
L SO
L SO
Custom Colonial w/ the works! Private Lot, 3 car garage, 2FP,Gas heat, 2 master suits w/ walkins &baths! 3 full 2 half bths! Amazing schools,easy hwy access to Bos/Prov. New 50 Yr Roof! Low Taxes! $445,000
P
Charming Cape! 3 Bed, 1.5 bath. Master on 1st. Fantastic mud room, hardwoods throughout! This home is extremely well maintained. Updated kitchen! $299,900
D!
D!
L SO
ING
D EN
This immaculate 4 Bed 2 1/2 bath Tri Level home is nestled on over 14 Acres of land. This home has newer septic tank, condenser and roof. Call or text to see this home will not last! $395,00
See How Muc Could Be Under
www.HomePric
Call 401-35
!
LD
SO
Beautiful & well-maintained home with abundance of space. Granite & SS EIK, Master Suite, Potential In-Law, Stunning Outdoor Patio & more! $335,000
NORTH SMITHFIELD D!
L SO
Be one of the first to see this gorgeous 70 foot 3 bedroom ranch, with a bonus room, and large 3 season room. This home is located on a dead end street and has lots of space to grow inside and out. Nothing to be done here but move in and enjoy. $353,000
TUNE IN TO THE ROUND TABLE RADIO SHOW SUNDAYS AT 10AM ON WHJJ 920AM
401.359.2338
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Merry C
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Tune into The Ro Real Estate Simplified, R Trusted Real Estate New Show! Sunday’s 10 am o
Christmas
Much Money der Your Tree!
T S I L W NE
Price411.com
359-2338 Cumberland
Sought After Diamond Hill Road Area! Spacious 4 bed, 2.5 bath Cape Cod with Updated Tile Master Bathroom, Fully finished basement, sunroom, Private Lot with large circular driveway. 401-359-2338 for showing!! $389,900
AW L IN
e Round Table d, Rhode Island’s Most News & Advice Radio am on Newsradio 920! Warwick
Beautiful custom built colonial on stunning corner lot in sought after Governor Francis! Spacious beds, hardwoods, in-law potential w separate walkout, master suite and more! $399,900
CALL 401-603-3646 TODAY
FOR A MORTGAGE PRE APPROVAL
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
17
The Truth Shall
set you free
by Daniel E. Giroux, Owner, A-Plus Mortgage The mortgage industry has certainly changed in the last 16 years that I’ve been involved. With an ever changing industry how do you keep up with what’s right and wrong, true and not true? Who should you trust to give you the best answers to your questions? Should you ask your attorney, your realtor, your loan officer, your buddy at work? Who’s going to have the right answer? Here is a list of the most common myths people ask me about daily.
All lenders, brokers, and banks follow the same guidelines when it comes to mortgage lending.
Completely incorrect. There are many programs and so many options available in this market. Every bank, lender and broker shop has their own set of overlays and restrictions on mortgage loans. Always remember, just because one company says no does not mean another won’t say yes.
If the seller is willing to give you seller paid closing cost, you can use that towards your down payment. You may not use seller concessions as part of your down payment. Concessions can only be used for costs associated with your loan. Attorney, prepaid items, escrows, points, lender fees, ect. You cannot use the seller paid closing towards your minimum down payment.
If you have horrible credit scores, you can simply add a co-borrower with good scores to qualify.
The lower middle score of two borrowers will be used to qualify for a mortgage. Adding a co-borrower will help you with income but it will not help you if your fico score does not qualify for that program.
FHA 203k loan is a very difficult loan that will never close and you should stay away from it.
The 203k rehab loan is a great program that allows you to finance improvements to a property you are buying. This is a very easy loan to complete if the loan officer you are working with understands the program and guides you correctly.
Hiring a realtor to sell your home is a waste of money.
Realtors understand the market and are typically able to get you more for your home than you would be able to on your own. They are able to attract more buyers and are able to guide you through the selling process. The fee they charge also pays the Buyers agent that brings the potential clients to your door. Consider all factors before you make your decision to go it alone.
If you recently switched jobs and did not stay in the same line of work, you don’t qualify for a mortgage. Incorrect – as I stated before, every bank, lender, and broker have their own set of rules. At A-Plus Mortgage, we are able to lend to clients even if they recently switched jobs. Typically you will need to be on the new job for 30 days prior to closing on your loan. The only restrictions would be, no overtime can be used and no commission can be used without a 2 year history of commission.
It’s not worth it to refinance unless you save at least 1% on your rate.
This by far is the worst misconception that people have, and they are missing out on savings due to it. Your savings is based on several factors, term, interest rate, loan size, and mortgage insurance. If you save 1% on a 100,000 mortgage, your savings is roughly $1000 per year. If you save .25% on a 400000 you still get the same $1000 savings. In some cases, you can raise your interest rate and still save money if you are eliminating mortgage insurance. I recommend keeping an open mind when you are looking to save money. Let your loan officer work up your numbers and report back to you before you decide it’s not worth it based on a myth.
Some loans have no closing cost.
This is a marketing gimmick used by companies to gain your business, DON’T BE FOOLED. All loans have closing cost and settlement charges, it’s just a matter of who’s paying them and how. You can have the fees rolled into the mortgage, you can pay them out of pocket, or your lender can pay them with lender credits. Typically you will receive a slightly higher rate to cover the cost. You should consider all options when searching for the perfect loan.
If there are issues with the home you are buying, the seller can escrow money to fix the issues after you buy it.
I get this request a few times per month and the answer to the question is NO. if there are issues with the home and the appraiser notes them, they need to be fixed prior to closing. The exception to this rule is; you may escrow up to $5000 when you are buying a HUD owned foreclosure and you may fix issues after closing if you use a FHA 203k loan for financing.
If you had a bankruptcy or foreclosure in the last 7 years, you can’t buy a home.
Bankruptcy and Foreclosure are not the end of the world. Yes you will have to wait a period of time and reestablish your credit, but we have programs that will allow you to purchase 2 years after a BK or Foreclosure.
Never go it alone. If you have a question, call me anytime.
I am always happy to assist. Daniel E. Giroux NMLS 26531 Owner A-Plus Mortgage LLC NMLS # 2748
Licensed Rhode Island Lender And Loan Broker - APLUS NMLS# 2748 Rhode Island Loan Broker License– 20041842LB ,Rhode Island Lender License– 20142971LL
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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
Showcase Listings
Warwick Exceptional 3 to 4 Bedroom, Corner-Lot, Colonial Home on the edge of Pawtuxet Village. Master Suite on 1st, Possible In-Law. Brick Fireplace, Hardwoods throughout, century-old charm & short walk to water. Beautiful Deck/Patio area, Dry Basement too. $269,500 Donnie Bennett 401-383-4400 Blackstone/Ocean Properties
Westerly
Spacious Raised Ranch with Potential In-Law on Lower Level. Only 5 Miles from the Ocean. Master Bed with Full Bath. Private Fenced Back Yard. Newer Boiler and hot water heater! Owner will consider rent to own. $299,900
Mary Lyons 401-439-8507 RE/MAX Central
Wrentham, MA Short Sale, As Is, As Seen, Will Not Pass Fha, Cash Buyers Or 203K Only. In Need Of Rehab. Seller Has Disclosed Evidence Of Mold And Asbestos. $265,000 Diana Barone (401) 226-3374 RE/MAX 1st Choice
The Home of the Professionals
Cumberland
This three bed well maintained raised ranch is located in the quaint Reservoir area of Diamond Hill. Great starter home! Set back on a large front yard. Enjoy a cozy three season sun room and private back yard. Consider yourself home. $277,900
Brenda Nardolillo 401-829-8423 RE/MAX Premier
Eric Maluk Owner NMLS #4733
Daniel E. Giroux Owner NMLS #26531
Programs Include 203K, Conventional, FHA, H.A.R.P, VA Loans, USDA and Reverse Mortgages Visit Us at 300 Centerville Road, Suite 201W, Warwick, RI 02886
(401) 822-4444 www.aplusinri.com
Coventry Charming Home With Many Period Details, 2 Car Garage, French Doors, Turned Stairwell, Stained Glass, Hardwood Flrs, Orig Molding, Doors, Fireplace, Updated Heating Hydro Air, Front Porch, Enclosed Porch, Deck. Easy Convert Muti Fam Or Multi Gener. $199,900 Emily Kheradi 401-243-5520 Keller Williams Realty
Licensed Rhode Island Lender And Loan Broker - APLUS NMLS# 2748 Rhode Island Loan Broker License– 20041842LB ,Rhode Island Lender License– 20142971LL
Glocester
Glocester - Chepachet!! Great House lot located on 10acres- nice private location! Short commute to Providence! Great proximity to Eastern CT also. Inquire to learn more about potential options with this lot! www.0elbowrockrd.info
Kathy Souza 401-265-4494 RE/MAX Preferred
Cranston
Whether downsizing or first time buying, this home is sure to please. Central air and a newer roof are just two of the features you can enjoy. Western Cranston schools and a playground right next door. Rare chance to own in Walden Woods. Call today! $279,000
Justin Mandese 401-465-8056 Hill Harbor Group - RE/MAX Professionals
We specialize in Real Estate and Personal Injury law.
692 Warren Avenue East Providence, RI 02914
P: 401-270-1144 | F: 401-270-9114 mlima@limalawoffices.com limalawoffices.com
Johnston
Just Reduced! Do not miss this spacious Tri-Level home in desirable Cherry Hill. Open kitchen w/granite counters and large island. Laundry on main level with 3 large bedrooms and full bath. Roof, HW heater, Furnace, Windows all less than 6 years old. $265,500
Sean Amaral 401-572-9278 Hill Harbor Group - RE/MAX Professionals
North Providence Entertainers Dream! Open Floor Plan! Newer: Roof, Windows, Granite Kitchen & Baths, Hardwoods, Ceramic Tile! A/C, Sun room, Heated In-Ground Salt Water Pool w/ Huge Patio, Fenced in! Like Being on Vacation! MUST SEE! Seller to Find Suitable Housing. $364,900 Jamie Rebello 401-241-7728 HomeSmart Professionals RE
Johnston Bright And Spacious , Freshly Remodeled 3 Bedroom 1 Bath Ranch With A Partial Finishied Walkout Lower Level, Ideal In Law Set Up, Hardwooods , Gas Heat, Central Air, Attached 2 Car Garage, Large Back Yard ,7-8 Yrs On Roof, Windows, Siding And Furnace. $255,000 Janet Audet 401-486-7410 Coldwell Banker
Warwick
Nice 3 Bed Ranch on a Quiet Street in a Great Location! New Roof, Replacement Windows, Updated Septic & Heating System! Hardwood & Ceramic Tile Floors! Breezeway, Garage, Walk Across the Street to the Golf Course & Valley Country Club in Warwick! $175,000
Jamie Rebello 401-241-7728 HomeSmart Professionals RE
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Mike Behm
North Providence - Price Reduction
401-265-9437
Cranston
Turn key business in a busy strip plaza, This is a great opportunity to start up your own company,or expand your current business Motivated Seller. $34,900
1900 SMITH STREET
Colonial, 2 beds, 1 1/2 baths, living room, dining room, eat-in-kitchen, office, enclosed porch. Large rooms with 1793 square ft. of living area plus an 1100 square ft. finished basement. Immaculate, move-in condition. Vinyl sided, 2 car garage, maintenance free exterior. Corner lot. Perfect location for home and office. Asking $190,000. www.1900Smith.com
Call Sharon Essex (401) 527-1148 or Tony Tutalo (401) 439-0713
East Providence
This large Colonial has 3 large bedrooms large living room with fireplace,part. finished porch, and a 2 car garage, this house needs work but its worth the effort! $179,900
TuTalo RealTy
Call Mike Behm at 401-265-9437
95 Sockanosset Cross Rd., St. 209 Cranston, R.I. 02920
Liz Kettelle RealtorÂŽ
EAST GREENWICH
2500 square feet of pristine living in The Preserve. best location offering private rear yard. rare first floor Master suite, large family suite on second floor, best value in complex.. Move right in!
$439,900 | MLS# 1130270
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Call Mike Behm at 401-265-9437
(401) 823-7701
lizkettelle1@gmail.com listwithliz.net
Central
WEST GREENWICH
Pristine 3 bed 2 1/2 Bath colonial with Open layout & turned staircase. Offering Partially finished walkout basement, shed, irrigation, firepit, electronic fence, central a/c, 2 car garage on a beautiful lot.
$368,500 | MLS# 1142265
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
THE KATHY BAIN FARRELL TEAM Amy Potter Kathy Farrell 401-743-8842 401-374-1211
Christine Kulacz 401-569-8324
Kim Prasinos 401-640-9696
TOWN AND COUNTRY E RIC P W NE
Lincoln
186 Old River Road. Absolutely move in condition ONE LEVEL unit in sought after Kirkbrae Meadows; 2 car garg; private deck;REC RMw/full bath! Storage galore. Great 9’ high ceilings/crown molding LR open to EIK&DINING. Bonus off/3rd BR! Taxes reflect 35% homestead.!
G DIN N PE
G DIN N PE
Cumberland
Cumberland
18 Glen Oaks Drive. Estate sale priced for immediate sale! Fantastic 3 bed ranch in terrific Sleepy Hollow neighborhood;Community School; Central air; Family rm/Sunroom additon; hardwoods; fenced yard -great for pets; pellet stove; younger septic system; Must see! $249,900
21 Ledge View Drive. Move right into this great split level on wonderful flat lot! Fireplaced living room, Central air, huge rec rm with sliders to beautiful in-ground pool area! Shiny newly finished hardwoods; 2 full baths. A must see! $329,900
Cumberland
Cumberland
Cumberland
Lincoln 106 Bouvier Avenue. Kings Row.
Cumberland
Cumberland
$455,000
G DIN N PE
Lincoln
11 Vose Street. Move in ready Gambrel on a wooded corner lot in northern Manville. Minutes to Rt 146 and 295. Spacious eat in kitchen, gas fireplace, laundry on 2nd floor and finished walk out basement. A must see!
$239,900
G DIN N PE
220 Williams Street. Wonderful starter with room for expansion. Great size for a couple or single. Full walk up to unfinished second floor. Detached two car garages. Lovely flat fenced yard; town water, sewer & gas. Clean and ready to move into! $229,900
Great 3 family close to everything! Corner lot with newer roof and windows perfect for owner occupied or investment. Separate utilities and entrances on a nice quiet street! $1,000 credit to buyer at closing! $206,000
333 Abbey Drive. Fantastic 3 bed Colonial on quiet side street. Huge rooms - very deceiving from the road. Two full baths; finished lower; 2 car garage. $325,000
9 Esek Hopkins Lane. Smack in the middle of Arnold Mills, solid 4 bed Colonial; cathedral EIK; huge deck; finished walkout lower level; 2 fireplaces; hardwoods; fenced back yard.
$399,900
21 Mount Pleasant View. New 36,982 sq ft lot ready for your plans! Zoned residential single family. Back of lot drops down into a private wooded lot. Newly paved road. Sewer, water, gas in the road. $99,900
164 Bear Hill Road. Hard to find 3 bed+ condo in young development. Sought after 1st floor bedroom suite! Full basement for storage. Three good size additional BRs or office w/2nd full bath; Great for downsizers! Sliders from cathedral LR to deck & yard; Impeccable!.
Cumberland
4 Kings Row. Stop your search-- finally a lot in Avalon Estates! Fabulous buildable lot in Arnold Mills! Great corner lot! Perfect sandy land. Square footage minimum restriction. Call for more details. $259,900
Cranston
69 Walden Way. Great colonial in desirable Walden Woods. Functional layout on a wooded lot in a family friendly neighborhood. Amenities include tennis and common playground. A must see! $285,000
$305,900
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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A Message From Rhode Island Association Of Realtors President
Brenda L. Marchwicki It’s official. More Rhode Islanders will be spending the holidays in a new home this year than any other year on record. Home sales soared despite the uncertainty of a combative election in 2016. At the same time, prices made healthy, but not outrageous, gains. The state of the market proved to be a win-win for just about everyone and the good news is, it’s not over yet. Yes, it’s true, interest rates jumped a bit after the election, but they’re still incredibly low and should remain low in the coming year. When I bought my first house, mortgage rates hovered near the teens. By comparison, if I bought that same house today, rates in the fours, or even fives, would save me close to six figures over the life of the loan. Today’s buyers can buy a lot more house with those kinds of savings. Though consumer confidence has bounced back in a big way, history may still be causing some to hit the pause button. After all, in the past decade, prospective buyers and sellers have seen
it all -- sales so brisk that we could hardly keep up with demand and a market so sluggish it like it would never pick up again. Through the ups and downs however, I know from first-hand experience that one truth remains steadfast: real estate continues to be a smart long-term investment. I made money on my first home despite the high mortgage rate I paid at the time because I bought it when I was in a position to hold it though fluctuations in the market. If you do the same, follow the advice of your Realtor, and don’t let yourself get caught up in the emotions that can derail smart decisions, you can join the thousands of new homeowners who are reaping the benefits of home ownership. What better gift can you give yourself and your family? Thousands of people saw their dreams of home ownership come true in 2016. May 2017 bring us more of the same. I wish each of you the most joyful of holiday seasons and a happy and successful home search in the New Year!
First Home mortgage Corporation
Call 401-751-0800 Sal Savastano, NMLS# 201878 - Regional Sales Manager - ext. 5300 John Savastano, NMLS# 202774 - Sales Manager - ext. 5306 David Travers, NMLS # 41681 - Loan Officer - ext. 5301 Evelyn Perez, NMLS# 828119 - Loan Officer - ext. 5309 Nick Caccia, NMLS# 1065888 - Loan Officer - ext. 5310 Tony Roy, NMLS# 6139 - Loan Officer - ext. 5307 Patricia Vargas, NMLS #1433663 Loan Officer ext. 5303 Lisa Fisher, Branch Operations Manager ext. 5318 Traci Cunningham - Operations - ext. 5302
First in Customer serviCe
400 Reservoir Avenue Providence, RI 02907 Phone: 401-751-0800 • Fax: 401-751-1800 This is not a guarantee to extend consumer credit. First Home Mortgage Corporation NMLS ID #71603 (www.nmlsconsumeraccess.org). MA Mortgage Lender and Broker, License #MC71603. RI Licensed Lender and Broker.
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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
You Can Count On, Call 732-0011 Today! C o n v e n i e n t ly l o C at e d
Narragansett:
Turn Key investor opportunity. Newly renovated 2016, kitchen, bathrooms, stainless, top quality interior. Includes new furnishings, soup to nuts, ready to go. Leases in place for summer weekly/ academic year 201617. Call for income/exp details. $525,000 CALL KAREN CATUOGNO 401-363-8888
at
3 8 0 J e f f e r s o n B lv d . , W a rW i C k r h o d e i s l a n d 0 2 8 8 6
Johnston: Be home for the holidays in this meticu- Narragansett: lously maintained sprawling ranch with full in-law in desirable Westbound Estates! Gleaming hardwoods, updated SS granite kitchen, open floor plan, in-ground pool, sprinklers, central vac and much more! $439,000 CALL JILLIAN NAYLOR, EXT 223
Burrillville: Good cash flow, 3 separate garages. Warwick: Nice yard. Great investment or owner occupied. $199,900 CALL KAREN CATUOGNO 401-363-8888
West Warwick:
2 bed home, manageable fenced in yard, shed, off street parking for 1-2 cars, vinyl sided, replacement windows 3 yr old roof, electric heat. As Is, may not qualify for FHA, buyer responsible for smoke certificate. Short Sale Negotiator in place. $49,500 CALL BEVERLY COURNOYER 401-255-4615
Nice Ranch style home situated on a large lot. Vinyl siding with large deck on rear of house. Features 3 bedrooms, 2 baths and finished basement. Hardwoods thru out, ceramic kitchen floor. $194,900 CALL CARMINO MARRAPESE, EXT 233
Newport:
“Winter Special Pricing” on this exquisite Newport one bedroom condo on estate. Walk to harbor, beach and downtown. Private entry garden level. Low condo fees. Perfect getaway or downsize option. Exposed stone, brick. Be in before summer season! $275,000 CALL KAREN CATUOGNO 401-363-8888
Warwick:
Immaculate home on quiet, dead end street in desirable northern Narragansett. Extra large family room with cathedral ceiling. Perfect for entertaining! Walk to Narrow River. MInutes to beach, shopping, schools and all Narragansett has to offer. $425,000 CALL KATHLEEN FRANCOVICH, 401-559-5092
Spacious colonial in Warwick Neck with seasonal water views. Open floor plan with Chef’s kitchen and Wolf Range. Master suite with spa bath. Lower level entry perfect for muddy feet and bikes. $3,000 credit towards closing costs .$309,900 CALL KAREN CATUOGNO 401-363-8888
Warwick:
Warwick: Great Location, Near “The Village”. Dead
Don’t miss this updated 2-3 bedroom home. Situated on Warwick Neck- approximately 300 feet to the cove and marinas. Great home for vacation home or for snowbirds! Low upkeep. $159,900 CALL DON MORASH, EXT 216
Endf Street, Vinyl Sided Home. Good 203 K Candidate To Make This Home Your Own. $139,900 CALL CARMINO MARRAPESE, EXT 233
“Helping People Buy and Sell Real Estate Since 1983”
Don Morash and Karen Catuogno
Announcing Our New Office! 148 Boon Street, Narragansett, RI
Johnston:
Great Townhouse. 2 Bedrooms, 1.5 Baths. Freshly painted, new carpets, new hot water tank, garage. Very well maintained development. $139,900 CALL CARMINO MARRAPESE, EXT 233
Warwick
Large 2 family, nice neighborhood, walk to salt water! Great for big family or in law potential. $154,900 CALL CARMINO MARRAPESE, EXT 233
Warwick 401-732-0011
Narragansett 401-363-9911
ABBOTT PROPERTIES is a full service Real Estate Brokerage. We provide the following services...
Commercial Sales & Leases Industrial Sales & Leases | Commercial Development-Sites | Residential & Fannie Mae Foreclosures | Business Brokerage | Home & Apartment Lease
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Marge Jacob
(401) 529-0831 mjacob1@cox.net
Town & Country
Realtor®
Woonsocket:
north smithfield:
Great opportunity to buy a 2 family in the North End with expandable 3rd flr. Each unit has 6 rooms. All electric & plumbing have been replaced. Separate heating systems, Rise approved, blown in insulation, new porches & new roof being installed. $197,000 MLS# 1131184
Gorgeous 3 bed Colonial, 2.5 baths, hardwoods throughout, 2 car garage, on cul de sac, sewers, well, A/C, granite, large deck to above ground pool, sprinklers, beautifully finished lower level. $389,000 MLS# 1133736
MANAGING YOUR PROPERTY MATTERS
Rhode Island Property Advisory Company FULLY STAFFED MAINTENANCE
Property Management More than paying bills & responding to complaints it demands commitment, experience, constant attention & clear communication.
Financial Management Meeting and conquering the countless steps in making payments, billing, collections and banking is the business of property management.
Advisory Management
Winter Watch Services
Our goal is to work in cooperation, providing advice and creating a management plan for the physical and financial affairs.
We are now offering a new service “Winter Watch” for all unit owners. We will take care of your home as you vacation giving you peace of mind.
call 401.736.8300 or visit www.ripac.net 24
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
PROFESSIONALS (401) 529-8228 jrm6@cox.net
Looking to buiLd in desirabLe Western Cranston?
Jo-Ann Molinaro
Top 4%- REMAX Agent in RI - Sales volume RE/MAX 100% Club ABR, GRI, BS Marketing, MBA Licensed in RI and MA
Call me for a FREE Market Analysis!
Select your lot and customize your dream home. Water, sewer and gas are included.
North Providence
Get all the perks of condo living w/o neighbors. Duplex part of Warren Ave Condo Assoc. Each side privately owned. Low fees include lawn, snow removal, trash disposal & exterior maintenance. Spacious 2 beds w/ full basement. Own driveway, private yard. $99,900
Woonsocket • $259,900 • North End Newly Renovated Colonial on 1/3 acre lot
• Kitchen with Granite Island and stainless appliances • Gleaming Hardwoods throughout • Spacious living room with fireplace
• 3 bedrooms and 1 1/2 bathrooms • 4 Seasons room with Cathedral ceilings • Full walk-up attic
Johnston
Warwick
REDUCED!! East Greenwich/ Warwick.. Move right into this spacious ranch with many upgrades. Oversized 2 car garage, corner lot., hardwoods, new counters, part finished basement with potential bathroom below.. Fenced yard with pool and MORE! $265,000
Cranston
Entertainers delightsprawling ranch! Master suite with walk in closet, laundry room with lavette. New Coal Stove! Finished basement with full bath,possibile in-law. Alarm,sprinklers. Private location with beautiful landscaping, To much to list! $464,900
282 Phenix Ave Cranston, RI 02920
Call (401) 946-6300 or (401) 742-8971 www.premierhomesrealtyri.com
$399,000 • Belknap Farm • • • • • •
Colonial offers a great flow for entertaining Great room with cathedral ceiling Kitchen & bathrooms updated with granite counters 4 bedrooms and 2 1/2 bathrooms Private professionally landscaped lot Paver patio and walkways 20X22 workshop
Johnston
$239,900 • Winsor Hill Expansive custom Brick Ranch on double corner lot. • 1900 square feet • Hardwoods • Fireplace • Central air • Partial finished basement • New roof & electrical • Connected to sewers • Needs some updating • All amenities nearby, 6 minutes to Providence.
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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RHODE ISLAND HOUSING’S LOANS OFFER OPTIONS TO MORE RHODE ISLANDERS Great homes come in all shapes and sizes. Wherever you are on your homebuying journey, take the next step with one of Rhode Island Housing’s home loan options. Loans are available directly through Rhode Island Housing’s Loan Center and a network of Participating Lenders throughout the state. To learn more, visit loans.rhodeislandhousing.org.
Rhode Island Housing Homebuyer Education Classes If you are beginning to think about homeownership, or are interested in learning more about what it takes to become a homeowner, Rhode Island Housing encourages you to sign up for a Homebuyer Education class. To best suit the needs of today’s busy homebuyers, these classes are offered both in-person and online.
Learn More or Register for a Class Visit loans.rhodeislandhousing.org/Education_Center to find out more and register for a class. 26
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
At Germani Title & Closing we are dedicated to efficiency, as well as maintaining a competitive advantage when providing service to individuals and businesses throughout Rhode Island, Massachusetts, and Connecticut. R E A L E S TAT E C L O S I N G S • S H O R T S A L E R E P R E S E N TAT I O N S E L L E R R E P R E S E N TAT I O N • D O C U M E N T P R E PA R AT I O N Halley Gaspar, Legal Assistant and Short Sale Negotiator; from the first meeting to the last, Halley is, unquestionably and on every level, the most dedicated and resposive customer service individual I have ever had the pleasure of interacting with - Sarah M.
The best part of working with Germani Title was that everyone treated us with dignity, even though this was a short sale and a most difficult time in our lives. - Joyce S.
I wanted to thank you again for your time and services. Halley was a pleasure to do business with and I greatly appreciate the extra smile she puts in. As you know, there are many hurdles in these transactions and it takes a special empathy at times. It also takes a “unique” understanding of the process. You are all wonderful professionals that are not rewarded enough for your performance, as I can see from the allocation of funds. - Mattie H.
931 Jefferson Boulevard, Suite 2006, Warwick, RI 02886 401.739.9700 www.germanititle.com To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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• Refinance • Purchases • Closing Cost Credits $500 For Local Residents
• Free Appraisals • Free Pre-Qualification
Have you served in the armed forces? Don’t miss out on the benefits of VA Financing
ATTENTION ORIGINATORS, REALTORS AND VETERANS The Va Loan Center Is Looking For Realtors To Build A Relationship – We Don’t Want All Your Loans, Just Veterans.
Doug Iannuccilli Mortgage Loan Originator NMLS #19741
595 Putnam Pike, 1st Floor Greenville, Rhode Island 02828
Office: 401-257-6577 Cell: 401-499-3684 Email: diannuccilli@homebridge.com
The HomeBridge Vision
• • • • • • • • •
Licensed Va Specialist Obtain Certificate Of Eligibility Underwriting Approvals On Sight Walk You Through The Process From Beginning To End We Will Be Your Lender, We Will Not Sell Your Loan I Am You Va Representative During And After Your Loan Closes Closing Costs Credits For Veterans Free Personalized Service Available 7 Days A Week Via Cell 401-499-3684
We aspire to be the most recommended home mortgage company in the country
HomeBridge Financial Services, Inc. is located at 595 Putnam Pike, 1st Floor, Greenville RI 02828. Corporate NMLS #6521. Rhode Island Lenders License 20112804LL
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The Mortgage Company In RI Who Is 100% Dedicated To Servicing Just Veterans
Call 401-499-3684 For More Info Homebridge.com/DougIannuccilli
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
5 convenient locations to better serve you.
8 7 0 Oa k la wn Ave n u e Cra n s to n , RI 4 0 1 -9 4 2 -0 2 0 0
4332 P os t Road Ea s t G reenw i ch, RI 401- 398- 2100
1 0 0 4 Bo s to n Ne c k Road Na rra ga n s e tt, RI 4 0 1 -7 8 2 -8 2 80
F
O R
M O R E
L I S T I N G S
V I S I T
2172 Broad S treet P aw tux et V i l l ag e, RI 401- 785- 2630
575 E as t Mai n Road Mi d d l etow n, RI 401- 847- 4800
W I L L I A M S A N D S T U A R T
.
C O M
Four to five bedroom, four bathroom home with nearly 3500 square feet of living space. Extensively renovated in 2010, this home features a new kitchen, updated bathrooms, hardwood floors, a studio “in-law”, rec room, hardwood floors, hydro air, large private yard and more. $485,000
GLOCESTER/NEW LIST Great split Ranch on one acre lot in Harmony - country living yet close to all. Hardwoods, updated kitchen and bathrooms, living room with fireplace, awesome family room with stone fireplace, master bedroom with bathroom, wood stove and more! Don’t Wait! $279,900
CRANSTON/NEW LIST Western: Imperial Estates Gem! Sprawling 3000 square foot home nestled on private half acre lot. Four bedrooms offer master on first or great guest suite. Fabulous kitchen and great room. Great mechanicals, central air, sprinklers, vac and more. $439,900
JAMESTOWN/NEW LIST Completely new inside and out! This spectacular home boasts gleaming hardwoods, gourmet chef ’s kitchen, large sunlit rooms, new heating, central air conditioning, roof... too much to list! Whether you are looking for your first or second home, you won’t want to miss this one! $575,000
EAST GREENWICH/NEW LIST Paul Zarrella 401-641-3337
Susan Rowles 401-942-0200
renovated four bedroom, two bathroom Raised Ranch with designer finishes thru! Brand new kitchen with granite, 2 new modern bathrooms, new heat and young mechanicals. Huge family room and master suite in lower level with private entrance. All situated on a great lot too! $249,900
Jill Weathers 401-749-5414
NARRAGANSETT/NEW LIST
Steps from Narrow River, this home is in the super Edgewater neighborhood. Enjoy low taxes and a great quality of life. This home makes an ideal year-round residence, or use it as a summer house and rent it for the winter. Check it out; won’t last long! $229,900
Paul Zarrella 401-641-3337
SMITHFIELD/NEW LIST Home for the Holidays! Ridgeland Hills offers PRISTINE 2011 Colonial with great Highway Access- Easy Commute to Boston. Open Flow, High End Finishes, Custom patio to in-ground pool, cabana, and gas fire pit! Town H20, Sewers & Gas. Priced BELOW Assessment!! $595,000 Dee Conley 401-952-0664
Donna DiGiulio 401-829-3825
WARWICK/NEW LIST Beautifully
Paul Zarrella 401-641-3337
SMITHFIELD/NEW LIST
Wow!!! Stunning four bedroom, three and a half bathroom Ranch featuring a new gourmet kitchen, a huge master suite with an opulent bath, three zone hydro air heat and air conditioning, a finished lower level, two car garage, large deck and more. New, fresh and clean this home won’t last!!! $525,000
Paul Zarrella 401-641-3337
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
V O N C O L I T H B
Neil Russo
Mortgage Loan Originator NMLS # 165781 nrusso@homepointfinancial.com
Cheryl Hodgdon
Mortgage Loan Originator NMLS # 22996 chodgdon@homepointfinancial.com
Matthew Resnick
Mortgage Loan Originator NMLS # 23256 mresnick@homepointfinancial.com
Michael Engels
Mortgage Loan Originator NMLS # 16163 mengels@homepointfinancial.com
Nichole Longtin
Mortgage Loan Originator NMLS # 1420679 nlongtin@homepointfinancial.com
Zachary Levesque
Director - Branch Manager NMLS # 16841 zlevesque@homepointfinancial.com
Michael Quin
Mortgage Loan Originator NMLS # 16162 mquin@homepointfinancial.com
Scott Estrada
Mortgage Loan Originator NMLS # 380330 sestrada@homepointfinancial.com
Colin Fisher
Mortgage Loan Originator NMLS # 1431275 cfisher@homepointfinancial.com
Jonathan DePina
Mortgage Loan Originator NMLS # 1157737 jdepina@homepointfinancial.com
Jeffrey Kosiorek
Mortgage Loan Originator NMLS # 22792 jkosiorek@homepointfinancial.com
YOU DESERVE THE BEST NMLS# 7706 | Turks Head Building 76 Westminster Street Suite 650, Providence, RI 02903
www.homepointri.com
To Advertise Call Ralph Coppolino at 401-837-0239 | December 16th - January 12th 2017
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EAST PROVIDENCE/NEW LIST
PROVIDENCE/NEW LIST
WARWICK/NEW LIST
Brian McGloin 401-829-0318
Jason Gelfuso 401-447-7428
Jason Gelfuso 401-447-7428
Great opportunity to own in Rumford. Well maintained three bedroom Cape conveniently located and close to all amenities. Sunroom, laundry area, plenty of storage, new carpeting. Fenced yard with deck & shed. $164,900
Charming three bedroom, one and a half bathroom home with great period detail. The house features hardwoods throughout, large dining area, large closets, two car detached garage. The exterior has cedar impressions siding. $275,000
Charming three bedroom home situated on a large lot. This home features a spacious master with walk-in closet. Hardwoods throughout. Updated kitchen, vinyl siding, detached garage with a farmer’s porch and more! $189,900
Fabulous four bedroom, three bathroom Contemporary in Pinewood. With over 3000 square feet of living, this home features an open floor plan, three car garage and sits on over three and a half acres at the end of a dead end street. Spacious deck, along w/pool & patio makes for a summers’ dream! $449,900
Paul Zarrella 401-641-3337
EAST GREENWICH/NEW LIST
MIDDLETOWN/NEW LIST
Susan Rowles 401-942-0200
Carol Hale 401-842-0845
Location, location, location! East Meadow is a beautiful convenient neighborhood with open space surrounding. Walk to Farmer Market, Chaves Garden Center and Newport Winery. East facing 20x14 deck. $515,000
Sprawling 3500+ square foot, eleven room Ranch with the finest of appointments & detail. Open kitchen, spacious master suite, separate guest suite, second level bonus room & walkout lower. Top of the line mechanicals, on gorgeous manicured acre. $679,900
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WARWICK/NEW LIST Charming OneLevel Cottage on corner lot. Quick walk to the beach! Huge master suite with walk-in shower. Enclosed porch, fresh paint, hardwoods, new roof and water tank. Gas heat, vinyl windows, and attic storage. Great condo alternative! Move right in! $169,900
43 32 Po st Ro ad , RI Ea st Gr ee nw ich 40 1- 39 8- 21 00
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21 72 Br oa d St ree t Pa wt ux et Vil lag e, RI 40 1- 78 5- 26 30
57 5 Ea st M ai n Ro ad M id dl et ow n, RI 40 1- 84 7- 48 00
CRANSTON/NEW LIST
Beautiful Condo in desirable Edgewood with hardwoods, new kitchen and bath, central air, young roof, heat and windows, waterviews from your balcony and more! $149,900
Donna DiGiulio 401-829-3825
PAWTUCKET/NEW LIST
Very well maintained three family. Conveniently located on Mass. line. Very spacious first floor unit featuring three bedrooms and well kept hardwood floors throughout. Finished basement with lots of storage. Fenced yard, detached garage. Will not last! $259,900
Nelson Sena 401-265-6750
Michael Mcmahon 401-374-6138
32
EAST GREENWICHNEW LIST
CRANSTON/NEW LIST A rare three family on one of the nicest streets in Edgewood! Walk to water, yacht clubs, Pawtuxet Village, Roger Williams Park and more. Great area minutes from 95 and downtown. $449,000 Patrick Croke 401-265-9930
CRANSTON/NEW LIST Spectacular
sprawling ranch. Oversized rooms with plenty of space for entertaining inside and out. Four bedrooms, three and a half bathrooms, chef ’s kitchen with all the amenities, wine cellar and more. Ready for in law expansion. In ground pool and breathtaking fresh water view! $699,900 Shari Soucy 404-649-0009
Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239
PROVIDENCE/NEW LIST
Well maintained two family home with an oversized lot, single car garage and partially finished basement. Ideal for owner-occupant or investor. Will sell quickly, schedule a showing today! $159,900 Nelson Sena 401-265-6750