Rhode Island Home Buyer Magazine

R HODE

I SL A N D

HOME

FEBRUARY 17TH - MARCH 16TH 2017

| FREE © 2017

BUYER

rihomebuyermag.com

Call 401-837-0239 For Advertising Info

Elegantly Affordable

1833 Cranston Street, Cranston RI (401) 942-6910 www.PremierKitchensRI.com

S E E

Full Service Realtor

Realtor® Buyer Representation Specialist

NMLS - #7706

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Diana Barone

Jennifer Valle

www.homepointfinancial.com 300 Centerville Rd. Summit West - Ste 204

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P A G E

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Building Relationships One Home At A Time

Residential

(401) 822-4444

O U R

Contact Daniel S. Balkun

Bani Properties, LLC

1738 Broad Street Cranston, RI

1st Choice

President Phone: 401.369.9100 Cell: 401.230.0432 e-mail: dan@balkuntc.com

I work with you and for you!

Call (401) 203-6370

RealtorJennValle@gmail.com Page 5 Inside For Details!

Is Stressful, Choosing The RightSee Company Doesn’t Have To Be

980 Reservoir Ave. Cranston RI

(401) 226-3374

(401) 943-6111 X114 Fax: (401) 633-6110 dianabarone@aol.com www.DianaBarone.com

*See Our Ad on Pages 18-19 Moving

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

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 ME....

I”LL TAKE YOU HOME!!

Call us today at 855.436.8799 for a free estimate, and experience how Gentry supports• your every Fixed ratemove. mortgages • FHA mortgages

South Kingstown• VA mortgages SUPPORTING YOUR EVERY MOVE

• Adjustable rate mortgages

The Village at Indian • 3 ½% down payment mortgages

Lake, 3BR Contemporary

• Purchase or

• First time homebuyer’s programs GentryMoving.com Colonial, private cul-deSATISFACTION

Pier-Mari Toledo, sac, assoc. club house, Also ask us about any special Mortgage Consultant tennis, beachmortgage & boating, opportunities those purchasing foreclosed property Serving RI, MA and CTfor | 855.436.8766 | info@gentrymoving.com hardwoods, cherry kitchen, or high balance ENE AGUE (401) 562-1238 mudroom, LL fam rm, front Moving ptoledo@wavefcu.org Free Comparative & Analysis GRI, SRS - LICENSED 1994 rear porch, Koi pond.

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C. H

Choosing The Right Company Doesn’t Have To Be. Ride the Wave to financial security. wavefcu.org

(401) 941-0200

renechague@realestateri.com Visit my website at: renehague.com

PREFERRED, TOWN & COUNTRY, PROPERTIES

Join Our Winning Team @JOINREMAX.COM

Ned Caswell

FLAGSHIP

(401) 782-0555 Nedc@rihomesearch.com

Phone: 401-864-3849

www.makeyourmovewithjohn.net

BUYING OR SELLING?

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)

Subject to seller finding suitable housing.

MLS# 1138469 $448,500

1st Choice

John Manocchio

Licensed In RI, MA and CT Call Us Today For A FREE Estimate

855.436.8799 www.gentrymoving.com

Call the Experts!

Realty Associates

800 Oaklawn Ave Suite A2, Cranston, RI

Call 401.942.0110

www.c21realtyassociates.com

Whether you are moving across the street or across the State...

401-942-0200 williamsandstuart.com WE MAKE DREAMS COME TRUE!

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

www.yourhomesoldri.com PROPERTIES

Call 401-640-6894

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

YOUR NEIGHBORHOOD,

is My Neighborhood!

875 Oaklawn Avenue Cranston RI, 02920

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 | February 17th - March 16th 2017

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C RI

P AT E R

Move right into this 3 bed, 2 ½ bath Cape on an acre lot. Bonus room over the 2 car garage. Beautiful updated kitchen with dining area, hardwood floors and formal dining. Good highway access. Easy to URI and beaches.

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Budlong area – 3 bedroom, 1 ½ bath Ranch with an attached 2 story in-law.

In-law is exceptional. Large bath with whirlpool. Ranch has nice hardwoods. Both have central ac.

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IN ST

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CT

W NE

Warwick $129,900

Brand new! One level 1 bedroom Condo with stainless appliances.

Fee inclues heat, hot water and pool.

Convenient to highway.

Call for details!

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Smithfield $280’s

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Cranston $219,900

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Richmond $319,900

Very nice 1,800+ square foot 3 bedroom, 2 bath Gambrel Colonial. Hardwoods, family room and 2 car garage. Close to schools and highway.

Take a peek!

West Warwick $277,900

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Cottages at West Glen – Fabulous 1 level unit, 2500+ s.f., full finished lower w/ family room, walk-in closet.

Master bed suite, main level laundry, gas fireplace, surround sound, steam shower, freshly painted.

Cranston $199,900

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IN ST

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0% DOWN

Auburn – Well-kept 2 unit with 1-2 beds each.

Updated baths, newer kitchen on 1st. New high tech heat and hot water on 1st floor. Roof is 6 years old.

Vinyl siding. Ample parking.

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)

H e r e ’s Wh a t O u r C l i e n t s A r e S a y i n g

My fiancé Rob and I had the pleasure of working with Dan Balkun and his team this year for 3 separate transactions that went as smooth as could be thanks to them! We both owned our own homes, and with getting married this year, we wanted to sell both of them and buy a new one prior to getting married. The issue we had though, is that Rob owed more on the home than it was worth, and on top of that, it was badly in need of some expensive repairs such as the roof that he clearly could not afford since he was struggling just to make his mortgage payments. We realized that we needed help and that a short sale may be his only option, and was referred to Dan by a colleague of mine. Dan sat down with us and fully explained the entire process along with our options. In the course of approximately only 5 months time, he helped us with the sale of my home, the short sale of Rob’s home, and the purchase of our new home. He worked closely with our realtor and loan officer, and kept us informed every step of the way. We couldn’t have been more pleased with the level of professionalism, the degree of knowledge, and the drive that Dan possesses, as these are all reasons Rob and I are now living in our beautiful new home together. I would highly recommend Dan for any title needs you may have! - Lisa T.

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 | February 17th - March 16th 2017

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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

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 To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 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

CONT RACTORS

Design & Build - Since 1988

Additions, Remodeling, Conversions, Vinyl Siding Roofing, Deck Replacement, Windows, Finish Work, Framing, Kitchens and Bathrooms Ful l y Insured | RI Reg #5509 Residential, Commercial & Industrial Contracting Services

401-545-1620 www.carleycontructionco.com 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 To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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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

Burrilville

Coventry

Coventry

Coventry

Ranch with 1 car garage features 2 bedrooms, living room, family room - could be used as office-possible bedroom space - walkout lower-possible inlaw. Must see - lots of possibilities especially if you need space. Short walk to water & fishing. $219,000

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

West Greenwich

This is a well maintained unique log cabin located on a spacious and private lot, just minutes from the highway. This home features a beautiful master bedroom with huge walk-in closet and private bathroom. HVAC ready. 2.5 car detached garage. This is a must see! $259,900

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! $309,933

One owner Gambrel Colonial in desirable Wood Estates! Hardwoods, built-ins, 2 fireplaces, 1st floor laundry, granite counters in kitchen, breezeway room, newer boiler, solidly built home! $269,900

West Greenwich

Just added - new roof!! New granite kitchen counters!! Lots to love about this custom colonial! Large LR, huge master/walk-in closet/bath, heated 2 car garage/new doors, new furnace, above ground pool/deck, poss in-law in lower/new kitchen/bath.$389,900

Coventry

Coventry

A must see, 3 bedrooms, 1.5 baths, pride of ownership throughout from custom stone work on the exterior to the beautifully tiled bath. This home offers sunny living room, hardwoods, a large finished basement, woodstove and attached garage. $265,000

Beautifully renovated 4 bed, 1.5 bath home with open floor plan, gleaming hardwoods, stainless steel appliances & granite island. Also features large fenced yard, 2 decks, new roof & septic system.

Great school system, easy walk to lake.

Turn key! $234,000

Foster

Warwick

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, abuts walking trails. $297,000

West Greenwich

Unbelievable VIEW OF THE BAY!! 64 acres pristine land-WG/EG line!! Attention builders/developers!

Possible up to 25 house lots! Plus 1,500 sq.ft. raised ranch, master ste/bath, FP, outbuildings, new 2 car garage, zoning allows solar development. $1,300,000

Beautiful, high quality new construction colonial ready to move in!

Master has gorgeous tile bath, tray ceiling & views of the bay. Hardwoods, granite, tile, appliances, all the good stuff! Central air, gas heat, front porch, landscaped, a beauty! $359,900

Warwick

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. $304,900

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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800 Oaklawn Ave Suite A2 Cranston, RI

Cranston

Well Maintained, Clean Home With EatIn-Kitchen, Large Living Room, 3 Big Bedrooms, Big Bathroom And An Extra Office/Playroom.

One Level Living In A Ranch That Looks Small From Outside But Is 1,240 Square Feet. $189,000

ProvidenCe

One of a kind, great investment property with income, includes a double lot with extra garage and driveway. Don’t miss out call or text for a private showing today. $274,900

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401.942.0110

c21realtyassociates.com

Realty Associates

Coventry

Nice Ranch In Great Family Neighborhood, Large Fenced Yard, Corner Lot, Hardwoods Large Family Room In Basement, Nice Size Eat In Kitchen With Slider To 16X20 Deck. $174,900

north ProvidenCe

Many options with this unique lot size! ESTATE SALE no disclosures provided an AS IS sale. Needs TLC inside and out motivated! Cash or possible 203K. $185,000

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

Cranston

Only one word to describe this home & property “Spectacular” Quality Built Home With All The Amenities. 4 Beds, 5+ baths,Entertain or just enjoy your privacy. Resort style yard, Pool & pool house 3 car heated garage. On & On this is a must see. $1,200,000

West WarWiCk

Welcome Home ! Nothing to do but move in !

3 generous bedrooms, eat in Kitchen, Dining area, Living room, Well landscaped corner lot, many extras, Finished basement with FR, Bath & den/bed. Even the bulkhead tiled ! Great Neighborhood! $219,900

100% FINANCING AVAILABLE FOR USDA AND VA LOANS

INTRODUCING OUR NEW R HODE I SLAND B RANCH L OCATION

Our goal is to close in less than 30 days.

No Cost Pre-Qualifications

Doug Iannuccilli

Producing Branch Manager | NMLS ID #19741

Direct: (401) 203-0305 Cell: (401) 499-3684 Fax: (401) 203-0310

http://dougiannuccilli.supremelending.com/ Doug.Iannuccilli@supremelending.com 6828 Post Road Suite 3 | North Kingstown, RI 02852

Building Customers For Life

Additional Services Include...

• Purchases and Refinance • Conventional Loans • USDA • VA Programs • First Time Home Buyer • Renovations Loans & More

Call Me Today to Get Started! (401) 203-0305

EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 (www.nmlsconsumeraccess.org) 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. Copyright © 2017. This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Supreme Lending is not affiliated with any government agency. Supreme Lending is required to disclose the following license information: AZ Mortgage Banker License 0925918, AZ Principal Office: 25030 S 190th Street, Queen Creek, AZ 85142. Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act License 4130655. CO Mortgage Company - Regulated by the Division of Real Estate. GA Mortgage Lender License 22114– Georgia Residential Mortgage Licensee. IL Residential Mortgage License MB.6760323-DBA1– Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company MC.0001578. NV Division of Mortgage Lending Mortgage Banker License 4063. Licensed by the N.J. Department of Banking and Insurance – New Jersey Residential Mortgage Lender License. Licensed Mortgage Banker-NYS Department of Financial Service. NY Mortgage Banker License B501049. OR Mortgage Lending License ML-4265. Licensed Mortgage Banker by the PA Department of Banking - Pennsylvania Mortgage Lender License 45048. Rhode Island Licensed Lender 20142998LL. TX - SML Mortgage Banker Registration - Residential Mortgage Loan Originator.

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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We Are A Full Service Residential and Commercial Real Estate Office Already an agent looking to make a change?

Meet Our

Newest

Team Members

Sometimes it is not just about the sign on the door but rather it is what awaits you inside. Come see the difference at Greco Real Estate.

If you are looking for a great place to work we have openings for new and experienced real estate agents.

Classes are available.

Call for a confidential chat anytime.

We would love to hear from you.

Come & Join Our Team

Yolanda Nazario

401-480-3668 Se Habla EspaĂąol

Michelle Toni Marie Roderick-Gomes Palmer 401-230-2226 401-426-8948

401-270-1174 GrecoRealEstate.biz

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

401-529-8054

Marissa Megan Greco Morse Ferreira 401-286-5930 508-686-1310

653 Atwood Avenue, Cranston, Rhode Island 14

Mike Grandchamp

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 | February 17th - March 16th 2017

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WEST GREENWICH G DIN

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WARWICK G DIN

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JAMESTOWN W

NE

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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

Beautiful Pottery Barn & magazine worthy appeal make this completely loved and meticulously renovated property the place to call home! New addition in 2014 provides you with an energy efficient design and the latest amenities. Hardwood floors throughout this 1550 sq ft sun-soaked colonial! $229,900

Home with fantastic seasonal water views.

This home is a Contemporary Cape 4 bed, 3 full bath, 3 car heated garage.. Possible in law. It was built by Frank Dimauro.

Homes is on a dead end street.. Absolutely beautiful property in Pristine condition. $749,900

NORTH SMITHFIELD

CUMBERLAND

JOHNSTON

W

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LIS

W

NE

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W

NE

T

LIS

Beautiful 3 bed 2 bath oversized dormered Cape Cod home situated on a triple lot!

Turn key home with many new renovations! Enjoy the piece of mind with newer & efficient heating system, replacement windows, 2 car garage, large back deck, huge yard and tons of room to grow!! Located minutes from everything!! $244,900

Lovely 3 bedroom raised ranch with brand new roof, siding, & insulation! Also featuring new carpeting, hardwoods, & brand new SS appliances.

Beautiful cathedral ceilings with skylight in the open kitchen, dining, & living area. Finished lower level with walkout to a nice fenced in yard with a 2 Level deck. Home is equipped with a high efficiency boiler, solar panels, too much to list! $209,900

WEST WARWICK

CUMBERLAND

WARWICK

W

NE

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Beautiful 4 bed 3.5 bath oversized Cape with Colonial feel! Large rooms, two walkin closets, laundry on 1st, new windows, newer roof, handicap accessible, master with bath on 1st, finished basement, sunroom, storage, 2 car garage & more! $369,900

Ranch, 3Bdrms, 1Bath, Hardwoods Throughout, In Impeccable Condtition, Undergrd Sprinklers, Vinyl Siding. Located In Quiet Neighborghood On Deadend!

This Home Will Not Last! $189,900

WARWICK

WOONSOCKET

PROVIDENCE

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PE

G DIN

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Lovely 4 bed home with addition! Well maintained with new windows, new insulation, new slider doors to deck, cathedral ceiling in sun room, newer furnace, updated electrical, finished basement, laundry room, fenced in yard and close to everything! $219,900

Beautiful home, meticulously kept! Features huge ktchn & dr area complete w cathedral ceiling & skylights! Great floor plan! 1.5 baths, 2 beds plus den, lndry on 1st & oversized garage! Storage! Great deck outside! New furnace, new exterior & windows! $119,900

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FAM I T UL

M

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. $239,000

TUNE IN TO THE ROUND TABLE RADIO SHOW SUNDAYS AT 10AM ON WHJJ 920AM

401.359.2338

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Call 401-3

D EN

Smart home w NEST Technology!! Control heat & enjoy the comfort of a security camera & fire safety right from phone!! Home to come fully applianced, including washer and dryer! Meticulous attention to detail and pride of ownership! Granite & SS kitchen, 2 to 3 bed, 2 full bath! Huge fenced-in yard, bonus heated/cooled sq ft in out building which would be perfect for hobby area, band room, 3rd bed, princess palace, man cave, etc! $149,900

G DIN

“I contacted Emilio because I property. I met with him and h selling the property due to inve that you meet someone in t concerned about their client a financial gain. If you want ho sincerity, I highly recommend

www.MyDreamH

Beautiful sun soaked home w oversized windows, cathedral ceilings, large master suite w private balcony, granite in bathrooms, granite & ss kitchen! Breathtaking South Facing backyard w wrap around trex deck, jacuzzi, bbq area & electronic dog fence. $379,900

LIS

WHAT DO OUR C

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

Tune into The Real Estate Simplified, Trusted Real Estate Ne Show! Sunday’s 10 am

CLIENTS SAY?

I was considering selling my he actually talked me out of estment/return. It is very rare this business that is more as opposed to their personal onesty, professionalism, and ded this team.� - Alex & Maria

HomeNow.com

359-2338

T S I L W NE

G ZINSUITE A M ER

A AST M

North Kingstown Beautiful executive colonial now available. Situated on a private 2 acre lot & nestled in

the desirable Glen neighborhood, moments from highway access! Spacious, bright & open floor plan make this custom built home something special. Meticulously maintained and updated, this home has everything the most discerning buyer seeks. Granite & stainless eat in kitchen which opens up to your great room complete with fireplace and wet bar for intimate family dinners & entertaining. The master suite, magazine worthy, comes with the most high end finishes. Heated travertine tile bathroom floor, Kraftmaid custom cabinets finished with a granite top and tile shower with seamless tempered glass enclosure. Your master also boasts a stunning walk-in closet and a tranquil bedroom with classy & tasteful touches throughout. Additional features are cathedral ceilings, office, laundry on the first, a full walkout basement, 3 car garage and more. $619,900

G N I D N E P

Round Table , Rhode Island’s Most ews & Advice Radio m on Newsradio 920!

Woonsocket Sprawling contemporary ranch style home in prestigious neighborhood! Located on a cul-de-sac, this immaculate home boasts a total living area of 3,700 sqft (2,500 sqft up & 1,200 sqft down). Nestled on a .57 acre landscaped lot complete with a private fenced in back yard with koi pond & waterfall. Garage for 5 cars. Nothing but quality & class. $369,900

CALL 401-603-3646 TODAY

DANIEL E. GIROUX NMLS #26531

FOR A MORTGAGE PRE APPROVAL

NMLS - #7706

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

17

The Truth Shall

set you free

by Daniel E. Giroux, Home Point Financial 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 Home Point Financial LLC NMLS #7706 Licensed Lender

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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

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

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

Eric Maluk NMLS #4733

Seekonk, MA Investors, Rehab Buyers Take Notice!

1 Level Of Living, Private Inlaw, Lg Mastersuite, Needs Total Rehab, No Heating System, Needs New Septic, No Title V. Fantastic Potential, Priced Below Assesed Value, Short Sale Approved. Sold As Is. $275,000 Diana Barone (401) 226-3374 RE/MAX 1st Choice

Daniel E. Giroux NMLS #26531

Programs Include 203K, Conventional, FHA, H.A.R.P, VA Loans, USDA and Reverse Mortgages

Coventry Gentleman’s Farm , Collector’s Dream 1900 Sq Ft Barn, Two Car Gar,New Mini Split Air, Hrdwd Flrs, Kit, Roof, Vinyl Sdng, Pool Lnr, Pellet. Picteresque 4 Acres Tucked Away For Privacy W/ Your Own Spring Fed Pond Just Steps Away From Johnson’s Pond. $410,000 Emily Kheradi 401-243-5520 Keller Williams Realty

Visit Us at 300 Centerville Road Summit West - Ste 204 (401) 822-4444 www.homepointfinancial.com HOME POINT FINANCIAL CORPORATION NMLS #7706

Burrillville Stunning Vintage Colonial. Details of the Era are evident throughout the home.

Includes 2 lots one with this home and 2 buildable lots that have access on the back of this 30 acre lot. 5 acre lot across the street also buildable Huge garage and loft. $550,000

Smithfield

Perfect opportunity to make this picture perfect colonial yours. Property sits on private wooded lot with water views from second floor. Three bedrooms upstairs with possible bed/ office on the main floor. $369,900

Nathan Clark Team 401-232-7661 Nathan Clark & Associates

Nathan Clark Team 401-232-7661 Nathan Clark & Associates

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! $265,000

Justin Mandese 401-465-8056 Hill Harbor Group LLC

East Greenwich This Stunning Moorehead Colonial Offers 4 Large Bedrooms, 2.5 Baths, 3 Brick Fireplaces, Hugh Four Season Room To Brand New Two Tier Trex Deck. Cherry Kitchen Has Stainless Steel Appliances And Corian Countertops. New Windows, Newly Painted Exterior, 3 Car Garage.

Guy Glennon 401-932-5005 Hill Harbor Group LLC

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. $359,900 Jamie Rebello 401-241-7728 HomeSmart Professionals RE

Coventry Very Nice Oversized Ranch on a Fantastic Corner Lot! Huge Family Rm. w/ Wet Bar! Big Master Bed w/ Half Bath! Spacious Living Rm. & Bedrooms have Hardwood Floors! Enclosed Porch, 2 Car Garage, Mud Rm, Updated Windows, Vinyl Siding, Septic & Furnace! $229,900 Jamie Rebello 401-241-7728 HomeSmart Professionals RE

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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KEYSTONE PROPERTY GROUP, LLC

1547 Fall River Ave. Unit 3A Seekonk, MA 02771

Phone: 508-557-0366 Info@keystonepropertygroupllc.com www.keystonepropertygroupllc.com

Rocky Run II - Rehoboth

Exclusive gated community in Rehoboth has home sites available for you to build your new luxurious dream home. Work with Meridian Custom Homes to design the perfect house on these 1.5 + acre lots. Starr Lane is conveniently located off Rte.195. Packages starting in the $700,000’s and up. Call Keystone Property Group at 508-557-0366 for more information or a private tour.

Idlewoods Estates - Swansea / Rehoboth

Country Brook Estates - Seekonk

Idlewoods Estates, a new subdivision on the Swansea / Rehoboth line. Homes feature hardwoods, gorgeous kitchens with granite counters, central air, fireplace, master suite with master bath and walk in closet, 2 car garage. Customize your dream home with the builder, pick your cabinets & colors!

Other COUNTY lots/ plans are available. Call for more information!

STREET LOTS

Welcome to your Dream Home located in Country Brook Estates! To be developed and built by Costa Development a well known and respected local builder of quality homes. This centrally located development offers natural gas, town water and underground utilities. Other desirable lots and home designs are available to choose from. Call for more information. $439,000 and up.

NTY COU

LOT 1 35,202 ALL UPLANDS

STREE T

LOT 2 32,400

LOT 5

ALL UPLANDS

174,474 ALL UPLANDS

LOT 3 32,400 ALL UPLANDS

LOT 4 31,215 ALL UPLANDS

EXISTING 50’ WIDE RIGHT OF WAY

County Street - Seekonk

5 Lots Available to Customize your Dream Home! Lots range from 31,215 SF- 170,474 SF. These Homes Features a Custom Kitchen w/ Granite Counters, Master Suite w/ Master Bath & Walk in Closet, Hardwoods on 1st Floor, Central Air, 2 Car Garage. $460,000 and up.

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Kayleigh Court - Swansea

Welcome to Kayleigh Court! Do not miss this opportunity to own a NEW HOME for under $400,000. These Classic Colonial homes features an inviting open floor plan with 3 spacious Bedrooms, 2 1/2 Baths, large Family Room, Center Island Kitchen with Granite Counter’s, 2 Story Open Foyer, Master Bedroom Suite and a two Car Garage. This Development features Natural Gas, Town Water and Underground Utilities. Other Lots and Home Designs are available.

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

Winterfell - Seekonk

Customize your Dream Home in Winterfell! Homes feature Hardwoods throughout Main Living Area, Custom Kitchen w/ Granite Counters & Walk in Pantry open to Family Room w/ Fireplace, Formal Dining, Master Suite w/ Master Bath & Walk in Closet! Multiple lots available!

Keystone Property Group

S E R V I N G T H E R E A L E S TAT E B U Y I N G A N D S E L L I N G N E E D S O F C U S T O M E R S I N R I A N D S O U T H E A S T E R N M A

Jodi Hedrick

Dina Murphy

John Ruginski

Cory Carney

Jeff Harris

Kileen Mitchell

Erin Mercer

508-509-3925

401-639-9151

508-455-7691

774-282-0954

401-837-1119

401-595-5056

401-617-3574

Tony Araujo

Diane Araujo

Jeffrey Rolon

Jennifer Dziedzic

Peter Amaral

Christopher Pelletier

Allison Weygand

508-399-7230

508-399-7229

401-744-9605

774-218-8516

401-699-2945

401-595-0194

401-965-3785

Augusta Fantasia

Kate Costa

Tori Turco

Steven Rodrigues

Kevin Carreiro

Krystle Kelley

Seana Rolon

401-301-9158

401-419-6364

401-316-8227

401-533-0021

508-930-4464

774-259-5850

401-323-0045

Broker/Owner

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Realtor

Don LaBranche

Dorothy Araujo

Filomena Mulvey

Krystal Pora

Kim Jennings

Michelle Marques

401-486-0793

401-499-8057

508-617-7730

508-446-0189

508-336-9080

508-496-7790

Realtor

Realtor

Realtor

Realtor

KEYSTONE PROPERTY GROUP, LLC

Realtor

Realtor

1547 Fall River Ave. Unit 3A Seekonk, MA 02771

Phone: 508-557-0366 Info@keystonepropertygroupllc.com www.keystonepropertygroupllc.com

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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North Providence - Price Reduction

Mike Behm

401-265-9437

Warwick

Call Mike Behm at 401-265-9437

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

Raised Ranch in Brookwood area on corner lot, 3-4 bedrooms 2 full baths needs work. $130,000

Providence

TuTalo RealTy

This home has 3 bedrooms 2 full baths beautiful inside and out a must see to appreciate. $169,900

Call Mike Behm at 401-265-9437

95 Sockanosset Cross Rd., St. 209 Cranston, R.I. 02920

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:

Prime location! Walk to sea wall, town beach and Pier restaurants. Three bedroom cape plus freestanding one bedroom cottage on large lot. Charming vintage Pier main house features three bedroom and two full baths, living room with french doors to new deck and patio for outdoor entertaining. Kitchen with oak, granite. $649,900 CALL KAREN CATUOGNO 401-363-8888

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

Narragansett:

Dock your boat right out your back door and gain access to the ocean and the world. Perfect for a vacation home or full year residence. Located on a dead end road, This 2 bedroom/2 bath ranch offers windows on the water along with a wood pellet stove in the upstairs living room and a family room with a fireplace in the finished basement. $925,000 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

Warwick:

Spacious bright colonial in Warwick Neck with seasonal water views. Open floor plan main level with chef’s kitchen, wolf stove, perfect for entertaining. Oversized master bedroom suite with walk in closet and spa bath.

Lower level walkout basement with high ceilings adds space. $299,900 CALL KAREN CATUOGNO 401-363-8888

Warwick:

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

Warwick

Desirable area! Large family?? Features 3-4 bedrooms, walkout family room with fireplace. Great backyard, fenced in. Two car garage. A great value! $189,900 CALL CARMINO MARRAPESE, EXT 233

Warwick:

Near water and beach! Ideal for summer cottage or possible year round - leased land. Well kept colony of cottages. Vinyl sided, newer windows & large yard! $60,000 CALL CARMINO MARRAPESE, EXT 233

Johnston:

PRICED TO SELL! Absolutely mint sprawling ranch in desirable Westbound Estates! One level living with full in-law with separate driveway! Inground pool, sprinklers, central air, central vac, too much to list! Call today!

Don’t miss out! $399,900 CALL JILLIAN NAYLOR, EXT 223

East Greenwich:

Oversized beautiful contemporary ranch situated in River Farms Large corner lot with privacy. Double sided stone fireplace in large family room. Features 4 bedroom, wine cellar, cedar closet & jacuzzi. Granite kitchen counter tops.. 4 car garage!! $479,900 CALL CARMINO MARRAPESE, EXT 233

Coventry:

Oversized raised ranch in desirable Blackrock. Above ground pool, generous bedrooms, finished lower with in-law potential, fenced yard. Negotiator in placeDon’t miss this one! $199,900 CALL BEVERLY COURNOYER 401-255-4615

“Helping People Buy and Sell Real Estate Since 1983”

Don Morash and Karen Catuogno

Announcing Our New Office!

148 Boon Street, Narragansett, RI

Coventry:

This prime property contains a 3 family home on a large 1 acre + lot with 500’ frontage. Possibilities are endless for this property. Can be used for commercial use as well. Developers take note ! Condos on the Lake? Additional adjacent property available. $275,000 CALL DON MORASH, EXT 216

Warwick 2 lots being sold together 6600 sq ft each total 13200. $6,000 CALL RAY HARRINGTON, EXT 299

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 | February 17th - March 16th 2017

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rihomebuyermag.com YOUR ONE-STOP SOURCE FOR EVERYTHING REAL ESTATE

• Find An Agent • Search For Listings • Mortgage Advice & Service

• Legal Choices For Real Estate • Home Improvement Tips • Discover News and Resources

IT’S FREE AND EASY TO USE VISIT OUR NEW SITE TODAY!

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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!

Warwick

$255,000 • Lakewood Move in ready - 2012 Colonial.

• Well appointed kitchen with granite and stainless appliances • 3 bedrooms, 2 1/2 bathrooms • Hardwoods on 1st.

• Central A/C • Fenced in yard • Located on dead end street.

Select your lot and customize your dream home.

Water, sewer and gas are included.

Warwick

Smithfield

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

$209,900 • Greenville The Lakes One level condo located on picturesque Waterman’s Lake.

• 2 bedroom, 1 ½ bathrooms • 3 season room • Over 55+ community

Cranston

Another stunning renovation presented to you. Impeccable,open concept - upgrades galore - including high energy efficient heating system with central a/c, new composite rear deck and stunning back yard. Can’t ask for a better neighborhood! $344,500

North Providence $359,900 • Lee’s Farm

• • • • •

Cranston

To Be Built! 8 Lots In Western Cranston!!

Located in Scituate Farms.

Gas, Sewer, Water, Underground Utilites!!

Price Show Is For Plan Advertised Only!

Call for Details! $425,000

282 Phenix Ave Cranston, RI 02920

Call (401) 946-6300 or (401) 742-8971 www.premierhomesrealtyri.com

ER D UN

Quality built 2600 square foot Gambrel Colonial.

4 bedrooms, 2 ½ bathrooms Family room accented with cathedral ceiling 2 fireplaces Landry on 1st All Hardwoods

CT A R NT O C

Johnston • $229,900 • Winsor Hill

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 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.

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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 | February 17th - March 16th 2017

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• Refinance • Purchases • Closing Cost Credits $500 For Local Residents

• Free Appraisals • Free Pre-Qualify

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.

Norman P. Zolkos

NMLS #18471 595 Putnam Pike, 1st Floor Greenville, Rhode Island 02828 Office: (800) 275-6365 x305 Cell: (401) 942-5626 nzolkos@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 No 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 401-942-5626 Call Up Til Midnight Or After (I Will Answer)

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 800-275-6365 For More Info HomeBridge.com/NormanZolkos

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

5 convenient locations to better serve you.

1 7 0 Ma yfie ld Ave n u e Cra n s to n , RI 4 0 1 -9 4 2 -0 2 0 0

4 3 32 P os t Road Ea s t G reenw i ch, RI 4 01- 398- 2100

1 0 0 4 Bo sto n Ne c k Road Na rra ga n se tt, RI 4 0 1 -7 8 2 -8 2 8 0

F

O R

M O R E

L I S T I N G S

V I S I T

SMITHFIELD/NEW LIST Exquisite 5,000 square foot French Country Colonial offers four Bedrooms, four and a half Bathrooms, encased entirely in Brick! A two-story vaulted foyer with curving staircase lined in wrought iron welcomes you into Great Room featuring window wall and balcony. Best in show! $925,000 Dee Conley 401-952-0664

CRANSTON/NEW LIST

Gracious Colonial in the heart of Edgewood, half a mile walk to Pawtuxet Village!! This home is great for entertaining with interconnecting open rooms across the front with a fireplace, which opens to the formal dining room with pocket doors. Updated kitchen has granite and SS appliances. Lavette on first has been remodeled. Second floor has four bedrooms and a full bath. Nice wrap around porch, two car garage, nice back yard. $349,900

Maureen McGovern 401-463-2028

Deborah Giannini 401-282-9721

.

C O M

LINCOLN/NEW LIST You will fall in love with the Samuel Arnold House, circa 1750.

Located next to Lincoln Woods State Park, it features the amenities of today and the historic charm of yesteryear! Four bedrooms, three and a half bathrooms, five fireplaces. Must see! $349,900 Paul Zarrella 401-641-3337

PORTSMOUTH/NEW LIST

Picturesque Ranch with beautiful views and magnificent sunsets over Narragansett Bay. Includes large size rooms, many built-ins, his and hers closets, two fireplaces, washer and dryer on first floor. Cozy and charming! Anderson windows, roof under one year old, architectural shingles, new furnace, hot water tank and garage door, all on a spacious half acre corner lot. $328,000

EAST GREENWICH/NEW LIST 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, hydro air, large private yard and more. $485,000 Paul Zarrella 401-641-3337

Barbara Jagolinzer 401-345-6666

WARWICK/NEW LIST The home you have been waiting for has arrived. You will be impressed with the bright open space, private back yard and custom finishes of this Cowesett colonial.

Features include a large master suite, second floor laundry, huge great room and more. $589,900 Paul Zarrella 401-641-3337

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

CUMBERLAND/NEW LIST PRICED BELOW CURRENT MARKET VALUE! Bear Hill Estates: this stately Colonial features four bedrooms, two and a half bathrooms with large cathedral family room, central air, fireplace in kitchen, hardwoods, 1500 square foot deck / pool and lower rec room great for entertaining. $399,000

2172 Broad S treet P aw tux et V i l l ag e, RI 401- 785- 2630

JAMESTOWN/NEW LIST

Completely new inside and out! This spectacular home boasts gleaming hardwoods, gourmet chef ’s kitchen, large sunlit rooms, new heating, a/c, 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

Sally Hersey 401-440-7030

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

Visit Our New Office Located at the Iconic Turks Head Building

Neil Russo

Mortgage Loan Originator NMLS#: 165781

nrusso@homepointfinancial.com

Cheryl Hodgdon

Mortgage Loan Originator NMLS#: 22996

Michael Engels

Mortgage Loan Originator NMLS#: 16163

Zachary Levesque Branch Manager NMLS#: 16841

chodgdon@homepointfinancial.com mengels@homepointfinancial.com zlevesque@homepointfinancial.com

Matthew Resnick

Mortgage Loan Originator NMLS#: 23256

mresnick@homepointfinancial.com

Nichole Longtin

Mortgage Loan Originator NMLS#: 1420679

nlongtin@homepointfinancial.com

Michael Quin

Mortgage Loan Originator NMLS#: 16162

mquin@homepointfinancial.com

Jonathan DePina

Mortgage Loan Originator NMLS#: 1157737

jdepina@homepointfinancial.com

Jeffrey Kosiorek

Mortgage Loan Originator NMLS#: 22792

Colin Fisher

Mortgage Loan Originator NMLS#: 1431275

cfisher@homepointfinancial.com

Eric Maybaum

Mortgage Loan Originator NMLS#: 1568613

jkosiorek@homepointfinancial.com emaybaum@homepointfinancial.com

YOU DESERVE THE BEST

Our experts will guide you through the process to find the best mortgage options for your situation. Whether you’re looking to buy a new home, reduce your monthly payments, or consolidate debt, we’re here to help you achieve your home financing goals.

Call To Get Started Today!

Branch NMLS# 11787

(800) 259-3050

Turks Head Building, 76 Westminster St, Ste. 650, Providence, RI 02903

www.homepointri.com

Home Point Financial Corporation. NMLS Unique ID No. 7706 (www.nmlsconsumeraccess.org). 1194 Oak Valley Drive, Suite 80 Ann Arbor, MI 48108. Toll-Free Tel: 888-616-6866. Arizona state License No. 0930854; Loan made or arranged pursuant to a California Finance Lenders Law license; Licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act (License No. 4131048); Georgia Residential Mortgage Licensee No. 33540; Illinois Residential Mortgage Licensee (No. MB.6760891); Kansas licensed mortgage company license no.SL.0026591); Massachusetts Mortgage Lender License No. ML7706; Nebraska Mortgage Banker License; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Licensed Mortgage Banker—NYS Department of Financial Services; North Dakota Department of Financial Institutions-Money Broker License MB102834; Oklahoma Mortgage Lender License N0. ML010597; Rhode Island Licensed Lender; Washington consumer loan license number CL-7706. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice. This is not a commitment to lend. Other restrictions apply. All rights reserved. © 2016 Home Point Financial Corporation.

To Advertise Call Ralph Coppolino at 401-837-0239 | February 17th - March 16th 2017

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CRANSTON/NEW LIST

WEST WARWICK/NEW LIST

Jason Gelfuso 401-447-7428

Ron Cataldi 401-641-1499

Three bedroom, two full bathroom home in Cranston’s Edgewood neighborhood. This home features two floors of spacious living, hardwoods, built-ins, partially finished basement, and a separate dining room. $179,900

Immaculate three bedroom, one bathroom Ranch in the Cowesett/Crompton area. Nice Hardwoods throughout, partially finished basement with walkout to fenced-in yard, nice deck, move in ready. Won’t last!! $179,900

JOHNSTON/NEW LIST

CRANSTON/NEW LIST

Amanda Hannon 401-575-7854

Jill Weathers 401-749-5414

Lovely Contemporary located on a quiet street in Johnston features nearly 1700 square feet, two bedrooms, two bathrooms, and a full basement. Private fenced in yard with a beautiful pool. Gorgeous sun room to relax in.

A must see! $230,000

SCITUATE/NEW LIST

WARWICK/NEW LIST

Deborah Giannini 401-282-9721

John Vartanian 401-965-3105

Country Bliss as you make your way to this two acre Ranch which features updated kitchen and bathrooms, gleaming hardwood floors and central air. The barn-style two car garage has a large loft, workshop, and plenty of additional storage.

There are several outer buildings such as a green house and a potential guest cottage. $289,900

Newly renovated three bedroom, one bathroom Bungalow just steps from the water in quiet Chepiwinoxet.

New roof, Navien heating system, vinyl siding, Trex deck and more! Don’t miss out on this wonderful opportunity located just one mile from all of the East Greenwich conveniences! $239,900

17 0 M ay fie ld Av en ue Cr an st on , RI 40 1- 94 2- 02 00

WARWICK/NEW LIST

Great opportunity to own a new home for only $239,900.

With nearly 1300’, this home offers an open living space, a bath and half, as well as a huge master bed with walk in closet. Amenities include central air, garage, hardwoods, kitchen island, patio, efficient gas heat, pantry and coat closets, and a full unfinished basement. $239,900

43 32 Po st Ro ad , RI Ea st Gr ee nw ich 40 1- 39 8- 21 00

ck Ro ad 10 04 Bo sto n Ne RI Na rra ga ns ett , 80 82 278 140

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

Paul Zarrella 401-641-3337

GLOCESTER/NEW LIST

Large sprawling four bedroom, one and a half bathroom Colonial on picturesque 1.14 acres of landscaped grounds. Two car attached garage. Large rec room. Large living room with fireplace. Family room with sliders to spacious 16x20 deck. Invisible fence! $324,900

Dolores Dimeo Carroll 401-219-6261

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This stunning three bedroom, two full bathroom Cape has undergone extensive renovations and is sure to impress! The main floor features an open floor plan, showcasing the new designer kitchen complete with new cabinetry, backsplash, stainless appliances and granite countertops. $229,900

CRANSTON/NEW LIST Great opportunity to own a new, three bedroom, two-and-a-half bathroom home with a two car garage. With a detailed exterior and designer finishes in the kitchen and bathrooms, this home is made for the modern buyer.

Features include central air, energy efficient heat and on demand hot water, as well as a deck, patio, finished lower level and more. $319,900 Paul Zarrella 401-641-3337

PROVIDENCE/NEW LIST

Great home with a fantastic floor plan, large dining room, great period details, two car detached garage. Beautiful hardwoods, three bedrooms plus bonus room, even a sun room off the main living area. Maintenance free exterior, built-ins in walk-in closet. $252,500 Jason Gelfuso 401-447-7428

WARWICK/NEW LIST Spacious three bedroom home situated on a great sized lot. This home features great period details such as wide planked hardwood floors and a beautiful wide staircase. Large master bedroom with walk-in closet. Stainless updated kitchen, detached garage. $179,900 Jason Gelfuso 401-447-7428

Rhode Island Home Buyer Magazine | To Advertise Call Ralph Coppolino at 401-837-0239

WARWICK/NEW LIST Great opportunity to own in highly desired Buttonwoods. This well maintained home features hardwood flooring, double ovens, finished lower, new roof, & picturesque landscaping. Just a short walk to City Park. Don’t miss out on this great value! $199,000 Paul Zarrella 401-641-3337