May 2016 Home Buyer Magazine by Rhode Island Small Business Journal

RHODE

I SL AND

M AY 2 0 - J U N E 1 6 2 0 1 6 | F R E E

HOME

rihomebuyermag.com

The Home of the Professionals

See Our Ad On Page 7 1833 Cranston Street, Cranston RI

(401) 942-6910

Call 401-837-0239 For Advertising Info

www.PremierKitchensRI.com

Building Relationships One Home At A Time

We Maximize Your Return!

Diana Barone

You Don’t Get What’s Fair, You Get What You Negotiate. GET MORE !

Full Service Realtor

1st Choice

NMLS - #2748

(401) 822-4444 www.aplusinri.com *See Our Ad on Pages 18-19

• 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

Contact Rosemarie Clemente

401.519.6677 www.baronclemente.com

0% DOWN

Mortgages Available!

YOUR NEIGHBORHOOD REALTOR

Your Local Mortgage Resource. Call Pier Today!

Your

STONEHURST REALTY

(401) 562-1238 Pier-Mari Toledo Local Mortgage Resource.* Director, Mortgage Lending ptoledo@wavefcu.org

75+ years financial stability. With of over 22 years of experience in all facets of mortgage lending and a commitment to objectivity, S E E PA G E 4 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 • Fixed rate mortgages

• FHA mortgages

• Adjustable rate mortgages

• VA mortgages

East Providence • Purchase or

Pier-Mari Toledo, Mortgage Consultant

Rhode Island’s Trusted Realtor (401) 562-1238

ptoledo@wavefcu.org

Phil Colasante Buying or Selling No tricks. No gimmicks

Just the truth!

Email: daddyrealtor1@gmail.com

Call (401) 651-1133

RESIDENTIAL AND COMMERCIAL REAL ESTATE

PREFERRED, TOWN & COUNTRY, PROPERTIES

Victorian Colonial. Large

Also ask us about any mortgage opportunities entryspecial foyer, rambling for those purchasing foreclosed or high balance updated kitchen, property formal

dining, French doors, Free Comparative gleaming AnalysisH-woods, new windows, laundry on 1st, newer heating, gas, fenced yard. MOVE -IN! MLS#to 1125169 $229,000security. Ride the Wave financial

René C. Hague

*See Our Ad On Page 23

Warwick, RI 35 Veterans Memorial Dr., 02886 • 1217 Warwick Ave., We02888 offer loan programs to fit your every need! OVING OU Pawtucket, RI 341 Benefit Street, 02861 0% Down Financing • FHA Loan • VA Loan • Jumbo Loan • USDA Loan O OLD (401) 781-1020 • Toll Free (1-888-492-8328)Conventional Loan • HARP Refinance • RI Specific Programs

M Y T S !

Five Star Award Winner Past Three years Eight Time Platinum Award Winner

wavefcu.org

1st Choice

Kathleen Odell

Call Me....I’ll Take You Home

(401) 941-0200

Real Estate Broker Associate

401-486-2832

renechague@realestateri.com

kodellsells@gmail.com

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

401-942-0200 williamsandstuart.com NORTH KINGSTOWN

$665,000

in the State or RI by the amount of residences sold in 2014, as published in the Providence Business News, participating in the sale of 1,642 homes.

*These 3 RE/MAX offices are owned by Broker/Owner Richard P. Zompa

of480experience Greenwich Avenue, 02886

Recipient of Circle of Sales Excellence Award

These 3 RE/MAX Offices are Ranked #1

SEE PAGE 26 FOR COMPLETE DETAILS

Shane Feeney

(401) 954-0797

Email: reohurst@aol.com www.stonehurstrealty.com

15 years

• 3 ½% down payment Pride of mortgages Ownership

abounds inprograms this gracious • First time homebuyer’s 3-bedroom, 2 bath

Contact Karen Hurst 401-301-6887

DISCLAIMER: Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc., Lender 200417155LL, Broker 20041716LB.

Contact Ken Marsella Senior Loan Officer NMLS #10430

Cell: (401) 228-4344

kmarsella@primeres.com

SEE CENTER PAGE AD FOR NEW LISTINGS PAGES 20-21

HomesByShane.KWrealty.com

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Promises Made. Promises Kept.

0% DOWN

100% FINANCING FHA • Purchase or REFI VA Loans • First Time Home Buyers Fixed Rate Mortgages

FREE Prequalifications FREE Credit Analysis

Call Us Today At 401.270.1740 Rhode Island Licensed Lender and Broker 20072185LB & 20072187LL. Company NMLS ID 1788. Branch NMLS ID: 289053

1 4 1 7 D o u g l a s A v e n u e , 2 n d F l o o r, N o r t h P r o v i d e n c e , R I 0 2 9 0 4 2

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

• 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.

Doug Iannuccilli

The Mortgage Company In RI Who Is 100% Dedicated To Servicing Just Veterans

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 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 401-499-3684

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

Call 401-257-6577 For More Info Homebridge.com/DougIannuccilli

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

A Message From Rhode Island Association Of Realtors President

Arthur Yatsko possible hike in rates may drive more buyers into the market, keeping sales brisk.

Looking for a home in Rhode Island? Do you have a home to sell? You’re in luck! Rarely do we see a housing market that’s a win/win for both buyers and sellers but that’s the situation we find ourselves in now.

Whatever your situation - selling or buying - you can move forward with the confidence that this is one of the best housing markets in years. Whether buying your first home, downsizing in retirement, or re-entering the market after hard times during the recession, there’s a home out there for you and a mortgage that fits your needs. RI Housing and other lenders also have several programs that help eligible buyers with down payments.

Rhode Island’s housing market remained robust in April, on the heels of record-breaking activity in the first quarter. The Rhode Island Association of Realtors reported a 35 percent year-over-year gain in single family home sales activity last month and a 21 percent gain in median sales price. Buyers are out in full force taking advantage of low interest rates and sellers are reaping more returns thanks to rising equity.

A Realtor can get you pointed in the right direction and help guide you expertly through the process. Find one in your area, along with loads of real estate information and listings, on RILiving.com.

The rate of pending sales became more restrained in April however, which is typically a sign that closed sales in the coming months may begin to moderate a bit. That could change however, depending on what action the Federal Reserve decides to take in June. Talk of a

Arthur Yatsko

2016 President, Rhode Island Association of REALTORS

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)

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

North Smithfield

Lincoln

Blackstone, MA 24 Mendon Street.

Cumberland

$224,900

Looking for a lot of room for an affordable price? 3/4 beds oversized brick end unit. Sunny & bright; 2 huge BR’s & full bath w/laund on 2nd fl; 2 additional BR’s or office on 3rd fl. New vinyl replacement windows. Older garage for storage:large yard! $159,900

Cumberland

North Smithfield

Cumberland

Rock Cliff Condos. 40 Old Louisquisset Pike. Better than new ONE LEVEL END UNIT ready to move in! Only 3 yrs young - Open cathedral kitchen and living area w/ sliders to your deck; great upgrades - gas fireplace, upgraded faucets, gleaming hardwoods; full walkout lower level out to private yard. $272,500

14 Vista Drive. Crispy clean and ready to move into. Remodeled white kitchen with corian counters; hardwoods; fireplaced living room open to dining room with built in hutch. Newer windows and roof; fenced flat back yard with large shed; fantastic condo alternative.

Cumberland

7 Cargill Road. Amazing open floor plan contemporary on fantastic wooded lot in Bear Hill Estates! Stone fireplace living rm;hardwds throughout; massive lower level family rm w/FP & wet bar, sliders to deck; sundrenched kitchen w/skylights, granite & center island. $419,900

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. $275,000

30 Paine Road. Nestled in the heart of Arnold Mills, this private 3 bed ranch offers some fantastic features - open dining room, kitchen with granite; gleaming hardwood floors and crisp paint, back yard retreat - mahogany deck and oversized shed; acre plus of land

$364,900

North Smithfield

Rock Cliff Condos. 40 Old Louisquisset Pike. Super affordable NEW CONSTRUCTION ONE LEVEL living ready to move in within 30 days! Pick your colors & customize this open floor plan, cathedral living room, sliders to your deck & treed back yard. Granite countertops, your choice of floors & color. $265,000

6 Chambers Street. Amazing investment opportunity --solid brick office building w/ 3 distinct rental options! Right side was dental office for many years. Additional 3-4 rm second office + a third one rm office w/street access for add’l income potential. Full basement! $275,000

5 Rolling Green Drive. Wonderful 4 bed Colonial w/many pluses! Central air, finished lower w/french doors to an office, fenced yard for kids or pets! Views of farmland pastures; enclosed 4 season porch; cathedral family room w/fireplace. $515,000

5 Edgewood Avenue. Deceivingly large 4 bedroom home with partially finished lower level. Great open floor plan. Clean and ready to move into. Laundry on the first; quiet side street. Large bedrooms; bonus area on the second floor for playroom or den! $319,900

40 Old Louisquisset Pike. Fabulous Townhouse with Hardwood; Cathedral Ceilings; Granite in Kit & Baths; Mast Bed on 1st AND 2nd floor; Living room with Gas Fireplace; Private Deck; Open Floor Plan; Full Basement; Convenient Location! $295,000

0 Arnold Drive. ATTENTION BUILDERS! Fabulous lot in the heart of Arnold Mills! ISDS design in hand for a 4 bed septic design. $149,900

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

REAL ESTATE

TIPS

Is Kitchen Remodeling Cost-effective?

by Leonard Simmons So, you have made the decision to remodel your home. Kitchen remodeling is one of the first rooms that homeowners explore with regard to renovations. The kitchen is the main gathering place in the home for families and friends. It is the area where socialization happens frequently, so it makes perfect sense to choose to remodel this room in your home first. The project can be extremely fun and should be looked upon as such. There are so many small changes that can be made to completely transform this room that it is mind boggling. Let us talk a bit about whether this remodeling project is a sound financial decision. First, you should look at the long-term picture. Are you remodeling the kitchen for your own preferences, or will you

be selling the home at any point in the future? Either way, renovations to the kitchen can help save money in the future. If you are planning to stay in the home, you can employ some new choices that can help save on your monthly utility bills. You can opt for new energy efficient windows that can save you on your monthly electric payments. You can install low flow faucets to save on water consumption. You can also buy appliances that are more energy efficient as well. You will also experience personal satisfaction that your new kitchen is more operational and updated than it was previously. If you are planning on selling your home in the future, you can expect a very significant return on your investment. If you ask any realtor, they will tell you that one of the first things a potential buyer is interested in is the kitchen.

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

If your kitchen is fresh and updated with contemporary finishes (counters, cabinets, flooring) it will make your home stand out against homes that have a more dated kitchen. You can expect to get a return of at least 40% of your remodeling investment when you go to list your home. You can get a higher sales price due to the upgrades. A home kitchen makeover is a very prudent choice, especially if you can only remodel one room. The kitchen is central to the home and you spend a lot of time there cooking, eating and socializing. The benefits of new and updated appliances and other elements far outweigh the costs you may incur. You will be surprised at how far you can get on your proposed budget. When your project is finished, you will realize it was money well spent.

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Carley

Construction

General Contractors

Additions ~ Remodeling ~ Conversions Vinyl Siding ~ Roofing ~ Decks Replacement Windows ~ Finish Work Framing ~ Kitchens ~ Bathrooms Design ~ Build Since 1988 - Fully Insured - RI Reg #5509

Residential, Commercial & Industrial Contracting Services

401-545-1620 www.carleycontructionco.com 8

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

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 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 Evelyn Perez, NMLS# 828119 - Loan Officer - ext. 5309 Keith Dulude, NMLS# 3973 - Loan Officer - No Direct Extension David Travers - Branch Operations Manager - ext. 5301 Traci Cunningham - Operations - ext. 5302 Denise Ciaccio - Operations - ext. 5303 Seana Petrangelo - Front Desk - ext. 5308 Nick Caccia, NMLS# 1065888 - Loan Officer - ext. 5310 Tony Roy, NMLS# 6139 - Loan Officer - ext. 5307

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.

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

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!

SMARTER. BOLDER. FASTER

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

Coventry

Cranston

Pride of ownership in this exceptional raised ranch with newly added all season room. Oversized corner lot with sprinklers and fenced-in yard. Take a walk to Johnsons Pond and enjoy the private beach & boat ramp. Move-in condition. $334,900

3-4 bedroom cape, hardwoods throughout, updated granite kitchen with new stainless steel appliances, walkout basement, one car detached garage, fenced yard in rear. $184,900

Foster

Coventry

Providence

Cranston

Quality built cape, 17 ft. cathedrals, 3 beds, 4 full baths, massive 300 sq.ft. master/custom bath, 17 ft custom stone FP, 2nd floor media rm/pool rm/wet bar, lower walkout, poss in-law, detached 3 car garage/ barn/lift & loft, man-made catfish pond. $449,900

Nice 2-3 bed bungalow, brick fireplace, 2 car detached garage, fenced yard. $169,900

Updated 2 bedroom mobile home in Ramblewood Estates. Very well maintained, includes carport, central air, big bathroom with tub and shower stall, and enclosed porch. Come see! $42,000

Adorable 3 bedroom cape with new kitchen and stainless appliances, updated bath, updated windows, vinyl sided, nice yard....next door to Norman H. Olsen park. $199,900

Coventry

West Warwick

Coventry

West Greenwich

Coventry

Wonderfully cared for 3 bed, 1.5 bath ranch on 2.42 acres in Coventry features hardwoods, nice kitchen with dining area, 2 car garage, generator hook-up & finished room in basement great for entertaining. Also large deck and an above ground pool. $254,900

Raised ranch in beautiful neighborhood in Greenbush, 3 beds 2 baths, family room/wood stove in lower. A little TLC & cosmetic upgrades will make it your perfect home. Oversized shed, abuts wooded area, new roof to be installed prior to closing. $210,000

Located near the Coventry/West Greenwich line, this 2.32 acre lot is a great spot to build your new home! Located minutes away from Rt. 95 access. Enjoy all West Greenwich has to offer while being able to access the whole state quickly. $125,000

Great investment opportunity or owner occupied, nice 3 unit property on .92 acre lot - call for appointment today. $275,000

This immaculate double wide mobile in Ramblewood Estates is one that you need to see. Sits in the rear of the park with more privacy. Features an open floor plan, bright beautiful kitchen, master bedroom with its own bathroom and whirl pool tub. $95,000

Beautiful immaculately maintained contemporary on cul-de-sac. Cathedral ceilings with skylights, bright and sunny family room, lots of windows for natural light and large deck for entertaining. Brand new roof and two storage sheds. $259,900

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

800 Oaklawn Ave Suite A2 Cranston, RI

CRANSTON

Opportunity to live in the heart of Knightsville ! Deceivingly large home w/2 flrs. Of living space. Plenty of closets & storage, fb on both flrs.Minutes to great restaurants, shopping, hgwy access & more. Also, Western Cranston School system. $234,900

401.942.0110

Realty Associates

PAWTUCKET

Newer Built Colonial Featuring 3 Bedrooms And 1.5 Baths. What A Great Place To Call Home. $169,000

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 ! Won’t last! $240,000

NORTH PROVIDENCE

Perfect for investor or 203k project. No FHA. needs repairs. Nice Big House on a wooded lot. $150,000

Congratulations TO MIKE MIELE! Realtor with Century 21 Realty Associates

Mike received 2 awards at the “Gold Ball” awards ceremony. The first award was for “Multi-Million Dollar Producer”, the second award was for “#3 Top Producing Agent in Rhode Island Listings Obtained”.

c21realtyassociates.com

PROVIDENCE

Well maintained 3 family home in a great neighborhood. Maintenance free vinyl siding, hardwoods, plenty of off street parking. Live on the first floor and let the tenants pay your mortgage. Fire Coded!! Smoke And Carbon. $169,900

NORTH PROVIDENCE

Exceptional opportunity for Owner Occupied or Investment property fully rented! First and second have pocket doors separating the living and dining rooms. The home has updated electrical and fire coded. $230,000

SMITHFIELD

Diamond in the rough..needs a little TLC! Split level home, update electrical, newer roof, built in pool, 3 Bed, 3 bath with a deck & hot tub off the master. Call today. Subject to seller finding suitable housing, seller is motivated, bring offers!!! $299,900

PROVIDENCE

Newer colonial with 4 spacious bedrooms 3 full baths, off street parking finished lower level great for entertaining. Call today! $135,000

WE CAN SELL YOURS!

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

CENTURY 21 ACCESS AMERICA Coventry, RI 02816 (401) 828-2100

CENTURY 21 STACHURSKI Pawtucket, RI 02861 (401) 725-1115

WHAT’S BETTER THAN FOUR AWARDS FOR CUSTOMER SATISFACTION? EIGHT. For the second year in a row, the CENTURY 21® brand ranked “Highest Overall Satisfaction for First-Time and Repeat Home Buyers and Sellers” by J.D. Power. Congratulations again to our many driven agents.

CENTURY 21 TREND REALTY Portsmouth, RI 02871 (401) 683-4900

CENTURY 21 ACCESS AMERICA East Greenwich, RI 02818 (401) 885-6260

CENTURY 21 STACHURSKI Lincoln, RI 02865 (401) 724-5600

CENTURY 21 REALTY ASSOCIATES Cranston, RI 02910 (401) 942-0110

CENTURY 21 TOPSAIL REALTY Newport, RI 02840 (401) 849-9192

CENTURY 21 TOPSAIL REALTY Bristol, RI 02809 (401) 254-1900

CENTURY 21 BUTTERMAN & KRYSTON Pawtucket, RI 02860 (401) 521-9490

C21.COM The CENTURY 21 brand received the highest numerical score among full service real estate firms for first-time and repeat home buyers and sellers in the proprietary J.D. Power 20142015 Home Buyer/Seller StudiesSM. 2015 study based on 6,059 total evaluations measuring 5 firms and measures opinions of individuals who bought or sold a home in the past 12 months. Proprietary study results are based on experiences and perceptions of consumers surveyed February - April 2015. Your experiences may vary. Visit jdpower.com ®

©2015 CENTURY 21 Real Estate LLC. All Rights Reserved. CENTURY 21® is a trademark owned by CENTURY 21 Real Estate LLC. CENTURY 21 Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunities Act. Each office is independently owned and operated.

CENTURY 21 GONSALVES-PASTORE Cumberland, RI 02864 (401) 728-2770

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Topp Real Estate Esta tate Agents AWA R D W I N N I N G PROFESSIONALS

Sussy DeLeon New Horizons

Mike Miele Realty Associates

Realtor®

Big or Small I sell them All

Congratulations to Mike Miele

17 years of Successfully selling in RI

Realtor with Century 21 Realty Associates. Mike received 2 awards at the “Gold Ball” awards ceremony. The first award was for “Multi-Million Dollar Producer”, the second award was for “#3 Top Producing Agent in Rhode Island Listings Obtained”. Mike has helped so many buyers and sellers in our local real estate market, and these awards showcase his dedication and commitment to overall excellence in the industry.

“At RE/MAX New Horizons, we measure success by client satisfaction. We provide multilingual agents who know the ‘ins’ and ‘outs’ of Rhode Island’s ever-changing market and neighborhoods. We are committed to working with you to make your real estate goals a reality. New Horizon’s local approach, combined with RE/MAX’s powerful brand is why we are very successful in the State.”

(401) 639-4902 sussydeleon@yahoo.com

Helen Coupe

(401) 942-0110 mike@c21realtyassociates.com

Dee Conley

Rene Hague 1st Choice

Realtor® “Rene has always listened to us as both sellers and buyers and advised us clearly in both instances.” “Her integrity, work ethic and attention to detail are outstanding. I highly recommend her services to anyone seeking high quality and satisfying outcomes for their real estat transactions.” “very knowledgeable, responsive and accessible around the clock.” “She will work diligently to secure any number of ancillary services that are often required.”

Since 1994, I have worked diligently to serve my clients with the utmost professionalism and integrity. Dedication to education and knowledge of the industry along with a commitment to my clients’ needs have brought rewards in the way of hundreds of repeat customers, as well as referrals of their families and friends. Thank you to all my past and present clients for your loyalty. I look forward to serving you and your families again soon!

(401) 941-0200 renechague@realestateri.com

Mary Ann Young

Metro

Broker/Realtor® Helen R. Coupe, a name synonymous with Rhode Island real estate. Helen has been a licensed real estate “Broker” in RI and nearby Massachusetts since 1986. She has accomplished numerous sales achievements awards during her career, a sampling includes: * RE/MAX Top Ten Agents in Rhode Island for thirteen consecutive years, including #1 RE/MAX Agent five consecutive years. * #1 RE/MAX Agent in all of New England three consecutive years. * Ranked as one of the Top 100 RE/MAX Agents in the United States. * RE/MAX 100% Award for 20 consecutive years – ranking her in the top 1% of realtors nationwide. * RE/MAX Platinum Club – the Elite RE/MAX Agent’s Club. * Recipient of the very prestigious RE/MAX “Hall of Fame” award. * Recipient of the coveted “Lifetime Achievement Award” one of the highest honors bestowed upon RE/MAX Agents acknowledging her service to the thousands of families she has assisted in their real estate needs. Helen is committed to giving the best service possible to her clients, she states she accomplishes this through hard work, continuing education, and listening to the needs of the people who put their faith & trust in her. For all your real estate needs, call a proven performer with years of experience and thousands of success stories.

Central

Realtor®

“I’ve been training my entire career for THIS MARKET! ”

I am proud to say that I have been a full time agent with RE/MAX Central for the past 13 years.

Selling or Buying... Call ME!

DEE gets it DONE!

My awards include the 100% Club each year. Hall of Fame. Top Agent for transactions for the past 5 years. I close 60 plus transactions per year. My designations include GRI, ABR, SRES. I specialize in residential sales but have experience in all fields.

(401) 942-7000

(401) 952-0664

(401) 487-9429

helenrcoupe@verizon.net

dee@williamsandstuart.com

remaxmaryann@yahoo.com

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

Topp Real Estate Esta tate Agents AWA R D W I N N I N G PROFESSIONALS

Christine Whittaker

Karen Hayden

Deb McGann

Realtor®, CNE

Realtor®

Christine’s professional experience speaks for itself as it relates to representing her clients’ best interest in their real estate transaction. An accomplished professional Manager for both the Claims and Customer Service Departments in the Annuities Division of SunLife Financial, Christine has been very successful at building motivated and dynamic teams, and is especially skilled in developing effective, productive working relationships with clients and staff.

Professional Accomplishments and Current Affiliations: • Education Committee Member, Kent Washington Association of Realtors • Grievance Committee Member, Kent Washington Association of Realtors • Certified Negotiation Expert (CNE) – Comprehensive training in expanding the knowledge of negotiators to properly ensure each individual client’s success.

Karen began her Real Estate career in 2009 and became a Certified Home Stager and Re-Designer in 2010. Karen feels that being able to offer this service to her home owners, gives them the upper hand in todays market by appealing to a broader range of home buyers, resulting in a faster more profitable sale.

When choosing a Realtor choose a Professional that makes a full time commitment to their profession and to their clients. Choose me!

Born in Yorkshire England, she completed her studies in Business Management from the Richmond College as a Harrod’s of London scholarship recipient. While at Harrod’s one of her duties was to create interesting window displays, and it is there that her love for Home Staging began.

• • •

Karen has lived in the USA since 1979 and now resides in Westerly RI, where she lives with her husband Rob, her son Paul and their 3 dogs Miller, Missy and Squeaky.

•

18 years experience with Sellers, Buyers, Property Management, Rentals Undivided attention throughout the transaction Professionalism and honesty ALWAYS Your satisfaction is my success!

Call today for more information on selling your home or buying a new home! Serving all of Rhode Island and Southeastern Massachusetts

So whether you are buying, selling or renting a home...Karen will bring genuine care and concern to your move.

Specializing in Relocation, Seniors and First Time Home Buyers for 18 years! ZILLOW Premier 5 Star Agent

(401) 301-6220

(401) 212-6262

(401) 714-5048

RIRealEstateExpert@gmail.com

karen@rioceanfronthomes.com

• RI Monthly 2016 Rising Star in Real Estate Award Winner

Kathleen Odell

Marie Puleo Flaherty 1st Choice

Realtor®/ Broker Associate

Experience, Honesty,

Service!

•

ABR Accredited Buyer Representative

•

CBR Certified Buyer Representative

Eight Time Platinum Award Winner

•

CRS Certified Residential Specialist

Recipient of Circle of Sales Excellence Award

•

*SRES Senior Real Estate Specialist

Five Star Award Winner Past Three years

(401) 486-2832 kodellsells@gmail.com

Joe Luca Preferred

Associate Broker/Realtor®

15 years of experience

MOVING YOU TO SOLD!

deb@williamsandstuart.com

Please call Marie for your real estate needs at

(401) 474-7508

2015 Realtor of the Year! My Clients Always Come First! We provide value in excess of expectations We find the best home for our Buyers’ needs and budget

(401) 383-6669 Joe@JoeLucaRealEstate.com

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Diana Barone

980 Reservoir Ave. Cranston RI

(401) 226-3374

Full Service Realtor • Sellers • Buyers • Investors • Rentals • Short Sales

CUMBERLAND

Pride Of Ownership Best Describes This Large Cape Offering Hardwoods Thru Out New Gas Heating System Generous Size 3 Beds Remodeled Thru Out, Beautiful Open Kitchen, Dining Room,Large Family Room Opens To Walk Out Patio Private Fenced Yard A Must See! $229,900

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

1st Choice Building Relationships One Home At A Time

JOHNSTON

Loads Of Potential, This Oversized 3 Bed Cape Offers, New Heating System, 18X12 Master Bed, Large 20X13 Living Room With Fire Place, Masonary Vinyl Siding, Basement Ready For Your Finishing Touches, Perfect 203K Cosmetic Rehab. Fenced Yard, Pool. $189,900

SMITHFIELD

Exceptionally Maintained Ranch Offers: One Level Of Living, Mastersuite With Walk In Closet, Lndry, Tastefully Updated Kitchen, Plenty Of Cabinet Storage, New Flooring, Freshly Painted, Attic Storage, Partially Finished Lower, Fenced Yard! $179,900

NED CASWELL 401-782-0555

Flagship

nedc@rihomesearch.com | nedcaswell.com South Kingstown

Single family with legal apartment or in-law. Many possibilities. 1 Acre! Walk to all conveniences, very well cared for! Lots of history! $298,900

CE RI

Narragansett

South End 11 room colonial, 3.5 baths, formal dining, fanily room, balcony’s and decks, 2 car garage, good 4 season rental history. $515,000

CE RI

South Kingstown

Kingston/URI walk to campus. Delightfully maintained 1905 Colonial! 12 rooms/5-6 bedrooms 3 1/2 baths, FDR, library, GRT RM, stone FP, oversized garage, pool/fenced yard all systems up to date and more... furnishings available.

$379,900

! CE

South Kingstown

What a wonderful place to spend your holidays! See MLS#1093009; legal two family, 5 room apartment, ideal in-law or B&B potential, student history, etc. Presently vacant! See MLS# 1093009 $469,900

VISIT 16

US ON THE

! NG I T IS

WEB

South Kingstown

Cedar Hollow Road off Curtis Corner Road..Private Compound. Nice wooded acre building site. Water tables and soils testing ready for ISDS. $159,900

AT W W W . N E D C A S W E L L . C O M

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

South Kingstown

“Wilderness Farm” Matunuck Hills Ministerial Road - 5 acres beautifully wooded with Rhododendrons, Laurel, oaks, Pine. Walking access to pristine Tucker’s Pond! $325,000

South Kingstown - $289,900

Extremely well maintained home features open floor plan, lg kitchen & LR, HW floors, nicely landscaped-abuts open space, huge deck. 2nd floor expansion (master suite? rec room?) Cul-de-Sac & Awesome front porch to enjoy the summer!

Lauren Peters

Keller Williams Realty | (401) 932-5835

Woonsocket - $219,000

Beautiful Updated 3 Bed Colonial Features; Corian Counters, Stainless Appl, Generous Sized Bedrms, Expandable Walkout. Young Roof,Ext Paint. Deck Overlooking Fenced Yard. Lg 2 Car Gar, Close To Mass Line, Turnkey! Taxes Reﬂect Exemption.

Donna Gomes

Coldwell Banker | (401) 787-7570

East Providence - $155,900

Spring is here and it’s time to plan those summer parties! This house offers a large yard and deck, many updates, and is move in ready! Close to shopping, Bike Path and the highway. Call for a showing! East Providence offers a Homestead Exemption!

Reba Golden

Keller Williams Realty | (401) 263-8749

North Providence - $339,000 Exceptional custom ranch with cathedral ceilings and skylights. Bright, open ﬂoor plan. 3 full baths. Master suite. Hardwoods. Laundry on 1st. 4- zones of heat. Finished basement with walkout. Large private yard on cull d sac. Taxes-non-homestead

Beverly Burgess

Keller Williams Realty | (401) 486-2278

South Kingstown - $179,000

Lovely spacious & immaculate well-maintained home w/ many upgrades; SS Kitchen, Granite, Solartube; abuts woods @ rear; garden w/ fountain; MUST SEE in over 55 landscaped land lease community with clubhouse, bocce, activities, storage area for RVs.

Victoria Clare

Fiore Realty Corp. | (401) 996-0735

Plainﬁeld, CT - $244,900

Sweet 3 Bed Cape With Attached 2 Car Garage, Full Basement With Walkout. Wood Boiler For Efﬁcient Heat Option. Beautiful Private 3.1 Acre Lot, Nice Back Yard To Relax And Entertain. Near Everything, Just Over The Line From Ri.

Rex Henderson

EXIT Premier Realty | (401) 374-3323

Scituate - $434,900

Beautiful -like new colonial style home on 2.75 acres of land. new kitchen/ss appliances, hardwood floors, fireplace and large master suite with whirlpool bath. large bonus room on 3rd floor. mature landscaped yard all in peaceful wood setting.

Helen Pirri

Providence - $90,000

NICE HOME, 3 beds 2 full baths... hardwood ﬂoors..Huge basement has extra living space, with a 4th bed and second full bathroom. there is a large walk up attic as well.. Short sale with negotiator in place. All utilities are on so bring your offers

Nick Acquaviva

Royal Crown AIO Realty Group | (401) 965-8703

Coldwell Banker | (401) 935-3608

Lincoln - $197,900

Log cabin on 7 acres! Call Karen today for details!

Open house Sunday May 22nd from 12-3 PM. Located at 2 School Street.

Exquisite, Gorgeous third ﬂoor end unit with two spacious bedrooms, open ﬂoor plan. Beautiful view of the Blackstone River, with easy access to the bicycle path. Marble counter tops with new kitchen appliances. Easy access to highway.

Mazen Alsabe

Karen Hurst

Weichert, Realtors | (401) 261-0022

Stonehurst Realty | (401) 301-6887

Scituate - $399,900

North Providence - $274,900

Move In Condition, 1 Owner Dutch Colonial, Great Family Home, Hardwoods, Brick Fp, Finished Lower, 3 Zone Heat, Inground Pool., Cabana, Stone Firepit, Sprinklers, Private 1.69 Acre Corner Lot, New Roof,City Water,Great Neighborhood & Schools, Must See!

Raymond Sinapi

One Stop Real Estate | (401) 640-1799

Well Kept Neighborhood, Remarkably Cared Spacious Center Hall Ranch. 3Br, 3Baths W/2 Car Garage. Newer Roof/Siding/Windows/ Open Dr/Living W/Fp, Sunrm, New Granite & Maple Kit, Newly Finished Ll Inlaw Poss, Subject To Seller Finding Suitable Housing.

David Colardo

RE/MAX Central | (401) 821-4111

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

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

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

Showcase Listings Coventry

Welcome home to your peaceful retreat. Meticulously maintained home ready for your growing family. Wrap around porch, koi ponds, huge fire pit...Nothing to do but move in! Subject to suitable housing. $299,900

Cumberland

Donnie Bennet 401-383-4400 Blackstone/Ocean Properties

Diana Barone (401) 226-3374 RE/MAX 1st Choice

The Home of the Professionals

Johnston NEW PRICE! Well maintained open floor plan w/kitchen island. Brand NEW Heating System in March 2016! Lots of light, 3 season sunroom & hot tub! Fireplaced LR, hardwoods, finished basement area w/dry bar. Located on a corner lot, connected to sewer. www.83lookoutave.com Kathy Souza 401-265-4494 RE/MAX Preferred

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

Bristol

Beautifully maintained home feat. 3 spacious beds,3 full baths,finished basement w/in law,some hardwoods,new roof! Formal living room/dining room.Spacious EIK with granite! Exterior feat. double lot,custom built shed,stained deck and two car garage! $385,000

Kyle Seyboth 401-333-4900 Keller Williams Realty Leading

Visit Us at 300 Centerville Road, Suite 201W, Warwick, RI 02886

(401) 822-4444 www.aplusinri.com

Licensed Rhode Island Lender And Loan Broker - APLUS NMLS# 2748 Rhode Island Loan Broker License– 20041842LB ,Rhode Island Lender License– 20142971LL

Coventry Waterfront On Johnson’s Pond, Permitted Dock, Trex Deck, Gorgeous Open Concept Like New Ranch. Gleaming Hardwoods, Master Suite W/ Jacuzzi & Lrg Shwr, Granite Kit, Hydro Air, 1St Flr Laun, All In A Premier Neighborhood Too, Come Enjoy The Pond Life! $634,900

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! $324,900 Mary Lyons 401-439-8507 RE/MAX Central

Emily Kheradi 401-243-5520 Keller Williams Realty

We specialize in Real Estate and Personal Injury law.

Coventry Adorable cape updated top to bottom. Fantastic open concept kitchen dining area, perfect for entertaining. Enjoy the summer weather on the large deck overlooking the low maintenance yard. Located in a quiet neighborhood minutes from I-295. $199,900 Janet Audet 401-486-7410 Coldwell Banker

692 Warren Avenue East Providence, RI 02914 P: 401-270-1144 F: 401-270-9114 mlima@limalawoffices.com limalawoffices.com

Coventry Stunning Colonial in desirable Pine Ridge. lived in 7 months! hardwoods throughout, professional series range, glass subway tile back-splash, lg bonus room, vinyl fence, stamped concrete walk and much more. 30K upgrades included in price! MOTIVATED! $434,900 Brenda Nardolillo 401-829-8423 EXIT Realty Firm

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

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NE Beautiful & spacious turn key colonial. Custom woodwork, granite finishes, stainless appliances, hardwood floors & tremendous master suite complete with walk-in closet & master bath! Finished 3rd floor & easy ride to Boston & Providence! $229,900

Desirable location, quiet street, close to schools, shopping, dinning, hwy & recreation! Lovely custom built colonial on one of the largest & best lots in River Farms! New roof, new siding, hardwoods & so much more!! Master suite with private balcony. $439,900

Spectacular bay views! Fishing, boating, swimming & the best full time or vacation home available! Luxurious design includes hard wood flloors, spectacular open floor plan, marble & ss kitchen, great bathroom with marble accents & amazing views! Add dock. $299,900

JOHNSTON

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Lovely Johnston home now available! Handicap accessible with flat thresholds, wide doorways and elevator. Home features granite counter tops & nearly 3,000 sq ft of living space. 3 beds, 2.5 baths! Great lot in quiet neighborhood close to everything! $299,900

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! $509,900

Amazing side/side duplex opportunity!! Live for basically free or buy for an amazing investment!! The only NEW CONSTUCTION of its kind in area!! $274,900

SOUTH KINGSTOWN

WEST GREENWICH

WEST WARWICK

LIS

Turn Key Condo w Granite & Stainless EIK. Completely Renovated. LNDRY Hook ups in unit. Value Hunters Take Note!! Priced $37k under market & $12k under assessed! Plenty of space, huge yard, lovely river & scenery! Minutes from URI, Peacedale, beaches. $164,900

Stunning Custom Colonial! Great Room with Cathedral ceilings, wood stove & French doors! Tons of natural light, hardwoods, Master suite, Finished basement, 2 Car garage, Tons of outdoor living space. Great Area Awesome Schools! $389,900

WEST WARWICK

COVENTRY

T LIS

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WHY RENT WHEN YOU CAN OWN!? Already occupied. Two units, up/down. Great income! Nice fenced backyards. Two bed unit 1, 3 bed unit 2! $124,885

Beautiful raised ranch on nearly an acre of pristine land! Easy Highway access, close to everything! Hardwood floors throughout first floor, replacement windows, newer roof & amazing extra space in lower level with 2 walk outs! $229,900

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Raised Ranch 3 Bedrooms, 2 Full baths, finished basement with a potential for In Law apartment with walk out! This home is in a wonderful neighborhood, great schools, shopping, and easy access to Highway! $239,900

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

401.359.2338

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

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Johnston Beautiful newly renovated home with high end finishes!! Fully applianced kit with granite counters, open space floor plan & potential in-law opportunity with granite kit in lower level! Fenced in yard, deck, shed & off street parking. $194,900

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Burrillville Stunning Custom 3 bed, 2 bath home! Spacious living room with custom cathedral wood ceiling. Updated kitchen. Large master suite! 2 car garage PLUS detached workshop/garage. Newer deck overlooking a large backyard. $279,900

CALL 401-603-3646 TODAY

FOR A MORTGAGE PRE APPROVAL

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Best Tips for First-time Homebuyers from some of the officers of the Rhode Island Association of Realtors.

Danielle Thompson RIAR Treasurer RE/MAX River’s Edge Bristol

Arthur Yatsko RIAR President The Salisbury Agency Warwick

Joseph McCarthy RIAR Secretary Coldwell Banker Residential Brokerage Warwick

Joseph Luca RIAR Vice President RE/MAX Preferred North Providence

1. Consult with your Realtor and mortgage professional to determine all of the money you will need to purchase a home. You will need more than just a down payment. You will also need to pay for closing costs, a home inspection, and home owners insurance, among other things. If you know up front what your total outlay of funds will be, you will head into your transaction much more prepared.

1. Don’t go with the first bank willing to loan you money. Shop around.

1. Have a plan and a goal. Know what your timeline is and what you need versus what you want.

1. Try to think of buying a home like playing a game of chess. Think several moves ahead and not justone step ahead. For example, get a handle on your credit profile early in case there are negative items on your credit profile.

3. Talk about what the home buying process looks like from start to finish with your Realtor. A lot of times first time buyers will start going to open houses or want to see properties right away. It’s always a good idea to get a feel for what you will be getting involved in once you put an offer in on a house. It can be a bit overwhelming and move pretty quickly once the process starts.

3. Find a Realtor who can answer

the questions you can’t, not just a new buddy who knows and likes what you know and like. They should be a complement to your knowledge, not just a copy of it.

“

2. Stay focused. Don’t rush, be patient, and don’t go beyond your budget.

3. Hire a Realtor that is well-rounded, so that you’re provided with solutions, not problems. You want a good negotiator on your side.

There is a common misconception that you have to put down 20 percent and that there is only one type of mortgage. Not true!

“

2. Really do your homework. Sitting down with your mortgage professional to find out about all of the types of mortgage products and potential tax credits available is essential. There is a common misconception that you have to put down 20 percent and that there is only one type of mortgage. Not true!

2. Rates are at historic lows. It may not be wise to just buy a “starter house” if you can afford more. Chances are, you aren’t going to get the same low rate when you trade up.

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

2. Assuming you have already met

with a Realtor, you also need to meet with a mortgage lender to find out how much house you can afford.

3. Prioritize your criteria with respect to location, land (big or small yard), and house (number of bedrooms and bathrooms, etc.) The more detail you can provide to your Realtor, the better.

JOIN OUR WINNING TEAM! @JoinRemax.com

To find your dream home

VISIT RI-HOMES.COM OR CONTACT ONE OF THESE OFFICES

RE/MAX Preferred 1417 Douglas Avenue North Providence, RI 02904 401-353-2200 3532200.com

PREFERRED, TOWN & COUNTRY, PROPERTIES

RE/MAX Properties 696 Douglas Pike Smithfield, RI 02917 401-232-3900 2323900.com

RE/MAX Town & Country 2081 Diamond Hill Road Cumberland, RI 02864 401-333-0020 3330020.com

These 3 RE/MAX offices owned by Broker Owner Richard P. Zompa and are ranked #1 in the State of RI by the amount of residences sold in 2014, as published in The Providence Business News, participating in the sale of 1,642 homes.

MAJOR BRANDS MARKET SHARE Year End 2015 January-December

7,000

6,000

RHODE ISLAND

21.70%

5,000

RHODE ISLAND This bar graph combines the ‘sold’ properties (Single Family, Condo, Multi-Family, Land & Commercial/Industrial) of all office locations and independent offices of each multi-office or franchise organization identified, which properties were sold by such organization itself, or with the aid of a cooperating broker, according to publications of Local Board or Multiple Listing Service in the geographic area and time period indicated. Year End data compiled from figures provided from 01/01/15 to 12/31/15.

4,000

3,000

2,000

7.76%

6.99%

6.03% 3.95%

1,000

Keller Williams

Coldwell Banker

Residential Properties

Century 21

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

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.

Dear Dan, 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 24

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

Warwick:

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:

Move in ready spacious open ﬂoor plan. Extra large master bedroom with connecting bath. In unit laundry . Large all new private deack in rear. Central air.. Private yet close to all amenities. $99,900 CALL KATHLEEN FRANKOVICH 401-559-5092

Live and work in Historic Apponaug Village at the Tide Mill circa 1710! Former design studio/showroom, waterfront, access to cove! Old world with modern updates, central air, pellet stove, granite. Ofﬁce on main, apartment above, Too much to list! $248,900 CALL BEVERLY COURNOYER, 401-255-4615

Richmond:

Warwick:

Fantastic Remodeled Mobile Home W/ Working Fire Place, New Paint, Carpet, Oven. This Unit Boasts An Open Floor Plan With A Vaulted Ceiling, Two Bedrooms, 2 Baths, Walk In Closet, Private Back Yard With Two Sheds. $84,900 CALL SCOTT BUONTEMPO, EXT 235

Johnston:

Sun drenched ultra sharp 3 bed contemporary home. Brand new kitchen + stainless appliances, easy care laminate and wall to wall carpeting. 2 full baths, generous bedrooms with walk-in’s. Quaint rear private yard. Dynamite house ready now! $212,750 CALL ERIN SHERIDAN, 401-413-6794

Rarely available spacious two bedroom two bath unit in desirable Westgate community. Balcony overlooks manicured grounds with club house and pool. Private setting yet close to shopping and highway access. Condo fee includes utilities. $115,000 CALL KAREN CATUOGO, EXT 226

Coventry

Substantial oversized raised ranch, freshly painted in & out. Reﬁnished hardwoods and granite/stainless kitchen. Oversized 2 car garage. State of the art heating system, walkout lower level to patio. Private compound. $334,900 CALL CARMINO MARRAPESE EXT 233

West Warwick:

Seven residential units over three buildings plus 850 square foot garage perfect contractor space or rental extra income. Newer mechanicals in four family unit. Perfect investor/rehab opportunity. Future retail development site. $399,900 CALL KAREN CATUOGO, EXT 226

North Kingstown Ocean Front with Magniﬁcent Bay Views. No Flood Ins! Immaculate move in condition. Two

BR full bath main level, plus an expansive lower level with study and 2nd full bath. Private access to ocean. Add second ﬂoor plans are in hand. $440,000 CALL KAREN CATUOGO, EXT 226

Star Winner

Abbott Properties

ROBIN MOSS

4 YEARS IN A ROW!

TRACY LEVINE

New Agent

East Providence:

North Kingstown:

Top To Bottom Remodeled Mobile Home, New Spacious Kitchen, New Applainces, New Paint, Carpet, New Exterior Vinyl Siding & Replacement Windows. Nice Open Floor Plan. Owner Is Open To Financing With A 50% Down Payment. $22,500 CALL SCOTT BUONTEMPO, EXT 235

Coventry:

Water front. Keep “as is” or rebuild. Additional lot and frontage up to 700 feet available. Ideal development site .Lets discuss possibilities. See Listing 1065830. $199,900 CALL DON MORASH, EXT 216

Abbott Properties

Welcome to

Move In Ready Home 3-4 Beds, Walkout Family Room Or Bedroom With Bath. Master Bed With Pullman Bath, High Quality Fixtures. Beautiful Hardwoods, Cathedral Ceilings. Very Well Maintained Home. $249,900 CALL CARMINO MARRAPESE EXT 233

Westerly:

Estate sale no disclosures! Sold as! Inspections for informational purposes only. $139,900 CALL ERIN SHERIDAN, 401-413-6794

Welcome to

New Agent

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 | May 20th - June 16th 2016

Shane Feeney

(401) 954-0797

HomesByShane.KWrealty.com

North KiNgstowN

Turn Key & Priced to Sell! Quality Built, by Redmond & Turnquist, a 1st Floor Office & Laundry, Huge Family Room, Chef â&#x20AC;&#x2122;s Kitchen, Hardwood Floors Thru-Out, & Large Bedrooms. All on a Professionally Landscaped Lot with a Salt Water Pool & Hot Tub awaiting You! $665,000 | MLS# 1112710 26

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

TIN

LIS

S MU

Warwick $234,900

E SE

Warwick $299,900

Gaspee – Exceptionally cared for 3 bed, 2 bath Cape. Huge addition in 2001 includes Family Room with gas fireplace, 1st floor master, new eat-in kitchen, living room with fireplace, oak and pine floors, central air, detached garage and porch.

Cranston $299,900

E AV

Warwick $184,900

Coventry $234,900

R HU

Prestigious Governor Francis Farms. Affordable 4 bed, 2 bath Ranch with hardwood floors, central air, fireplace, sewers and possible in-law/ student apartment. 4 zone gas heat. Convenient location and much more to offer!

TIC

A SH

Main Ave area – Nice 3 bed Ranch, hardwoods, central ac, replacement windows, deck, breezeway, garage and fenced yard. New septic and roof before closing.

IN ST

Warwick $194,900

Impeccable condition! 3 bedroom, 2 bath Raised Ranch with great deck and patio area, above ground pool, fenced yard, inground sprinklers, beautifully landscaped and heated garage.

TIN

LIS

Charming 3 bed, 2 bath Cape, updated kitchen and baths, 2 finished rooms in basement, replacement windows, gas heat and hot water. 3 year old boiler. Large deck, shed, detached garage, fenced yard. Sewers.

Fairview Ave area-Spacious 4 bed, 1 ½ bath Colonial with lots of charm. Living Room with fireplace, dining room, fully applianced eat-in kitchen, oak and pine floors, central ac, vinyl sided, replacement windows. 2 detached garages, new septic by closing.

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 | May 20th - June 16th 2016

Weâ&#x20AC;&#x2122;ll Help Make Your Dream Home A Reality.

Apply for an FHA Title I Home Improvement Loan from Admirals Bank Today! Includes Solar and Renewable Energy Projects No Equity or Appraisal Requirements Terms up to 20 years Title I covers a variety of different improvements! Borrow up to $50,000 Admirals Bank offers a full range of purchase and refinance programs as well!

Let Admirals Bank Help Finance the Home of Your Dreams! Mortgage Lending Team: (800) 562-6663 Home Improvement Lending Team: (800) 715-8472

*Lien will be placed against the property. Lien will be in ďŹ rst or second position. Newly constructed residential structures must be completed and occupied for 90 days. All loans subject to credit approval. NMLS ID: 527702 28

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

15 years of experience MOVING YOU TO SOLD!

Five Star Award Winner Past Three years Eight Time Platinum Award Winner Recipient of Circle of Sales Excellence Award

Kathleen Odell Real Estate Broker Associate 401-486-2832 kodellsells@gmail.com

Top Agent OF THE MONTH

Becky Moniz

ON FR

South Kingstown - Matunuck Beach

North Kingstown - Cedarhurst Outstanding 7 room, 2 bed, 1.5 bath Townhouse with water views from almost every room; Brazilian hardwoods; soapstone kitchen; fireplace. $349,000 Joellen Wunner, ext. 56

East Greenwich - Oakcrest Lovely 9 room, 4 bed, 2.5 bath Colonial; cherry/granite kitchen; family room/fireplace; 1st floor study; air; alarm; 2 car. $525,000 Rob Cressman, ext. 32

East Greenwich - Queens Grant

North Kingstown - Spring Green

North Kingstown - Kingstown Heights Well maintained 7 room, 3 bed, 2 bath Raised Ranch; tile kitchen/SS appliances; family room; hardwoods; garage. $289,900 Becky Moniz, ext. 18

Providence College Area Three family - total 13 rooms, 8 beds, 3 baths; hardwoods; laundry on premises; great investment. $179,000 Joellen Wunner, ext. 56

Warwick - Riverview Unique 6 room Cottage/Bungalow with water views; gas fireplace living room w/cathedral ceilings; master suite/sitting room/ marble bath; new Anderson windows. $439,900 Caroline Cressman, ext. 17

Fabulous 10 room, 5 bed, 2.5.5 bath Colonial with views of the Ocean & Potters Pond. Open Great room/ dining room/kitchen; screened porch; 2 car. $919,000 Rob Cressman, ext. 32

Being sold “AS IS”, 7 room, 3 bed, 2 bath Ranch; hardwoods; fireplace; 3 season room; some windows replaced. great possibilities. $202,000 Becky Moniz, ext. 18

Extraordinary 3,600’+, 9 room, 5 bed, 3.5 bath Colonial; fabulous granite kitchen; heated sun room; all hardwoods; in-ground pool; 3 car. $649,900 Caroline Cressman, ext. 17

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Graduate to your first home! Purchase a home in Rhode Island and receive up to $7000 toward your down payment! Ocean State Grad Grant is helping college graduates live in RI by offering a special first-time homebuying grant. And there’s more. You may also be eligible for help with closing costs. TO QUALIFY FOR THE OCEAN STATE GRAD GRANT, YOU MUST: • Be a first-time homebuyer purchasing a 1-4 family home or condominium • Meet income and purchase price limits* • Apply for the grant within 36 months of graduating from a program recognized by the U.S. Department of Education, having earned an associate’s, bachelor’s, master’s or doctoral degree • Obtain a Rhode Island Housing-funded first mortgage through a Participating Lender or Rhode Island Housing • Complete a homebuyer education course (offered online through Rhode Island Housing)

HOW DO I APPLY? Go to GradGrant.org or call (401) 457-1180 to find a participating lender in your area, along with tips to help you with the application process.

*Income and Purchase Price Limits: Income eligible buyer: $89,280 for a 1-2 person household, or $104,160 for a 3+ person household. The forgivable down payment grant of up to $7,000 is available for 3.5% of a home’s purchase price. Grant is forgivable after 5 years of owning the home.

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

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.

MOVE UP

MOVE IN REFINANCE

Rhode Island Housing’s Ocean State Grad Grant is designed to help college graduates finance homes in Rhode Island by offering a special first-time homebuying grant of up to $7,000 toward their down payment. Eligible borrowers may qualify for additional help with closing costs. Go to GradGrant.org to find a participating lender in your area, along with tips to help you with the application process. To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

The Round Table

Real Estate Simplified

The Round Table real estate... estate...simpliﬁed

with

Emilio DiSpirito is your show dedicated to bringing you timley balanced truths of the Rhode Island Real Estate Market!

Join us each Sunday at 10 am on iHeartRadio or Newsradio 920 to hear from dozens of real estate specialists!

visit www.TheRoundTableRadio.com to sign up for our newsletter visit www.MyDreamHomeNow.com to search MLS or to find the value of your home!

Meet Our Contributors

John Castore

About RERN The Real Estate Radio Network is the largest of its kind in the world. With over 200 shows in all major markets here in the US, they chose Emilio DiSpirito Team Leader of the DiSpirito Team to represent RERN and the RI Housing Market to share time sensitive data and real estate tips with the public. Emilio was chosen because he is a top producing agent and has assisted hundreds of families in buying and selling real estate here in RI.

Semper Home Loans

Matt Bates

Movement Mortgage

Mike O’Niell B&K Electric

Melissa D’Ellena, Esq. D’Ellena Law Office, LTD

Jennifer Geaber RI BLOGGER

Kendra Chatterley Rise Interiors

George Metz G-Metz Moving

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

Mary Brimer

American Family Ins. & Inv.

Mike Auger

Patriot Property Inspections

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!

Coventry

$284,900 • Tiogue Split Level - Beautifully Maintained • Built in 2009 • Kitchen with granite • 3 bedrooms and 2 bathrooms • Open Family, Kitchen & Dining rooms with cathedral ceiling • 1/4 acre lot

Select your lot and customize your dream home. Water, sewer and gas are included.

Please view our other PREMIER offerings Cranston

Woonsocket

To be built! Pick your own colors, cabinets, etc! Great development within Western Cranston! Underground utilities, water, sewer, gas! 3 bed, 2 1/2 baths, corner lot. $384,000

$59,900 • North Smithﬁeld Line Vacant Lot • Over 3/4 acre • Sewer and water available

Warwick

Move right in to this 3 bedroom, 2 bath gem! Home was built in 2004 and current owner has done outstanding updates ever since moving in, including energy efficient gas heating system, central air conditioning, new walkway and backyard patio. $275,000

Pawtucket

$149,900 • South Bend Condos Townhouse • Kitchen with stainless appliances • 2 bedrooms • 2 ½ baths • Finished lower with full bathroom • Easy access to highway

Glocester

Located across street from the Ponaganset Resevoir! Approved 4 bed septic design. Borders wildlife management area! Cannot be subdivided due to frontage. Easy access to utilities. $99,900

282 Phenix Ave Cranston, RI 02920

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

R DE N U

T AC R NT CO

Cumberland

$374,900 • Berkeley Commons

R DE N U

T AC R NT CO

North Providence

$149,900 • Countryside Condos

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

Meet Our

Newest

Team Members

NORTH KINGSTOWN

Attractive 3 Bed/ 2 Bath Cape located in a Desirable neighborhood on Beautiful corner lot. Oversized 2 car garage with unfinished second floor and just minutes to the highway. This home is a Must See! $364,900

SCITUATE

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. $525,900

Yolanda Nazario

401-480-3668 Se Habla Espa単ol

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.

BRISTOL

Location, Location, Location, come visit this lovely 3 bed, 1 bath ranch located in the very desirable Colt State Park section of Bristol. It is on a dead end St. & within walking distance to water. The ranch needs TLC but is well worth the effort. $399,900

NORTH PROVIDENCE Lovely 3 Bed Raised Ranch in desirable section of North Providence. This home offers, S.S. appliances, Corian Kit counters, Alarm, Central Air, Heated Pool, Finished Walkout basement, Sprinklers and more! $249,900

We Are A Full Service Residential and Commercial Real Estate Office 653 Atwood Avenue, Cranston, Rhode Island 34

401-270-1174 GrecoRealEstate.biz

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

Call for a confidential chat anytime. We would love to hear from you.

Mike Behm

401-265-9437

East Providence

Cash Only As Is No Interior Showings Subject To Probate Approval. $39,900 MLS# 1116707

Call Mike Behm (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. $45,000 MLS# 1125958

Call Mike Behm (401) 265-9437

Your One Stop Source For Hardscape, Home Ownership Matters. Paving and Outdoor Equipment

Home Ownership Matters. • Nicolock Products and Rosetta Stone Home Ownership Matters. • Bluestone Flagging and Treads • Natural Wallstone and Veneers Home Ownership Matters. • Manufactured and Thin Veneers • Cobblestone and Brownstone • Full Line of Outdoor Power Equipment Studies show that home ownership has a significant positive impact The Rhode Island on net worth, educational achievement, civic participation, health and overall quality of life.

Association of REALTORS®

Ownership 112 Old Pocasset Road, Johnston, Find RI out more about why Home Studies show that home Matters. ownership has a significant positive impact Studies show that home ownership has a significant positive impact on net worth, educational achievement, civic participation, health and overall quality of life.

The Rhode Island Association of REALTORS®

onshow net worth, educational achievement, civic participation, health www.REALTOR.org/homeownership Studies that home ownership has a signifi cant positive impact 401.942.8857 | www.hartfordmaterials.com overall quality of life. www.REALTOR.org/homeownership on netand worth, educational achievement, civic participation, health Find out more about why Home Ownership Matters.

The Rhode Island Association of ThREALTORS e Rhode Island ® Association of ® REALTORS

and overall of life. Find quality out more about why Home Ownership Matters. To Advertise CallFind Ralph 401-837-0239 | May 20th - June 16th 2016 www.REALTOR.org/homeownership out Coppolino more aboutatwhy Home Ownership Matters.

www.REALTOR.org/homeownership

—— NOT ALL GREAT MINDS

THINK ALIKE E=mc

SOLD!

TUNE INTO THE

REAL ESTATE INSIDERS

Albert Einsteis n Geniu

Paul& Zarrella Williams

Stuart Real Estate

Broker/REALTOR®

Sunday Mornings at 10:00 on 630 WPRO and 99.7 FM. Watch and listen @ 630wpro.com.

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

O R

M O R E

L I S T I N G S

V I S I T

SMITHFIELD/NEW LIST

Room to GROW in this three to four bedroom, three and a half bath 4000+SqFt Colonial with two car garage. In-Law potential offered with fourth bedroom and full bath in lower level. Spacious layout, New Granite Kitchen with stainless steel Appliances, Great Room, Master Suite w walk-in & More! $525,000

Dee Conley 401-952-0664

JOHNSTON/NEW LIST Custom Built - One owner home. Seller has relocated for employment purposes. Well cared for with open, spacious entertaining and living space. Vaulted ceilings, custom oversized windows. Private, picturesque yard. Oversized 2 car garage. $279,900 Dolores Dimeo-Carroll 401-219-6261

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

RICHMOND/NEW LIST Beautiful two to three bedroom Raised Ranch with gorgeous new kitchen with granite & stainless steel appliances, new bathroom, hardwoods in family room, pellet stove, central air, hot tub, 2 acre lot with sprinklers, 2 tiered deck & more! Don’ t wait! $225,000 Donna Digiulio 401-829-3825

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

C O M

BARRINGTON/NEW LIST Lovely

“L”-shaped ranch located in the center of town needs nothing! Hardwoods throughout, cathedral ceilings with skylights and a new granite kitchen. Enjoy the beautifully manicured yard from the large enclosed porch. ONE YEAR WARRANTY AVAILABLE! $399,900

Jimmy Ranieri 401-413-5620

NORTH SMITHFIELD/NEW LIST

Fabulous young Colonial in excellent condition! 2000sf of well appointed living space: beautiful kitchen with granite and new stainless steel appliances, formal dining room, large two car garage, master suite, updated baths and more. $349,900

Jill Weathers 401-749-5414

LINCOLN/NEW LIST

Spectacular over-sized raised ranch includes: custom gourmet kitchen, master suite, potential lower level in-law, gorgeous yard with sprinklers, gleaming hardwoods and so much more! $400,000

Sally Hersey 401-440-7030

TIVERTON/NEW LIST

SMITHFIELD/NEW LIST

Barbara Jagolinzer 401-345-6666 Jill Weathers 401-749-5414

Dee Conley 401-952-0664

Large lot located on a storybook lane with stone walls and all; an exceptional custom built house. Kitchen is a cook’s delight with Viking range and warming oven. Wet bar, pool, hot tub, central air conditioning , generator, trex deck and more! $459,900

Ridgeland Hills offers RESORT LIVING in your own private oasis, complete with custom paver patio to in-ground pool, built-in gas fire-pit, Cabana with kitchenand bath with an outdoor Bar! 4th of July Party is at YOUR house! Open Flow with High-End Finishes. $675,000

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

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

You Deserve The Best Partner with our team of mortgage professionals to get the quick, innovative, and superior service that you can depend on.

Zachary Levesque

Director - Branch Manager NMLS # 16841 (401) 773-7231

zlevesque@homepointﬁnancial.com

Michael Quin

Mortgage Loan Originator NMLS # 16162 (401) 400-8965

mquin@homepointﬁnancial.com

Jonathan DePina

Mortgage Loan Originator NMLS # 1157737 (401) 692-7564

jdepina@homepointﬁnancial.com

Matthew Resnick

Mortgage Loan Originator NMLS # 23256 (401) 439-5240

mresnick@homepointﬁnancial.com

Cheryl Hodgdon

Mortgage Loan Originator NMLS # 22996 (401) 749-2967

chodgdon@homepointﬁnancial.com

Neil Russo

Mortgage Loan Originator NMLS # 165781 (401) 400-8966

nrusso@homepointﬁnancial.com

Scott Estrada

Mortgage Loan Originator NMLS # 380330 (508) 733-8060

sestrada@homepointﬁnancial.com

Michael Engels

Mortgage Loan Originator NMLS # 16163 (401) 699-2444

mengels@homepointﬁnancial.com

Jeffrey Kosiorek

Mortgage Loan Originator NMLS # 22792 (401) 692-1108

jkosiorek@homepointﬁnancial.com

www.homepointri.com

To Advertise Call Ralph Coppolino at 401-837-0239 | May 20th - June 16th 2016

JOHNSTON/NEW LIST Great opportunity to own this nearly 8 acre hidden gem on the outskirts of Simmons Reservoir. Enjoy country charm and city convenience amongst horse permitted and buildable land. Second floor in-law, in ground pool, what more could you ask for? $286,900 Rick Thibeault 401-654-3700

COVENTRY/NEW LIST Energy efficient contemporary offers all new windows, 2-tier deck and 12x16 shed on a 16,000 sq ft wooded lot with fence and sprinklers. New kitchen with granite, new bathroom, gleaming hardwoods and living room with wet bar and soaring cathedral ceilings. $279,900

WARWICK/NEW LIST

Neat three bedroom Cape in desirable Gaspee area.. Garage, living Room with Fireplace, hardwoods,& fenced in yard with deck. Great Area, Great Price. $179,900

Rick Cascella 401-524-0593

Jimmy Ranieri 401-413-5620

JOHNSTON/NEW LIST

87 0 Oa kl aw n Av en ue Cr an st on , RI 40 1- 94 2- 02 00

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 ett ns ga Na rra 40 1- 78 2- 82 80

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

EAST SIDE OF PROVIDENCE/NEW LIST NORTH PROVIDENCE/NEW LIST

John Moretti 401-464-2162

WARWICK/NEW LIST

Charming three-bedroom Cape on a corner lot. Updated kitchen and bathroom, newly finished hardwoods, newer windows, patio, 2 decks, garage, additional parking in back, new roof and fenced yard. Close to everything. Not a drive by! $199,000

Deb McGann 401-714-5408

Sue Rouvelas 401-332-8523

Donna Lima-Johnson 401-301-0703

Donna DiGiulio 401-829-3825

Matt Kachanis 401-787-1885

Sun-drenched 2nd floor condo within walking distance to Wayland Sq & Colleges. Charming detail, fireplace with Delft tile surround, mixed with modern amenities like stainless steel appliances and insulated windows. Taxes reflect homestead. Includes deeded parking space! $199,900

Pristine Townhouse with many updates! Private sunny end unit. Applianced granite kitchen opens to formal dining room to spacious living room with sliders to private deck. New windows, hardwoods, two granite baths, central air. Great location! $189,900

SCITUATE/NEW LIST Lovingly cared for three bedroom, two and a half bathroom Colonial in desirable North Scituate. New roof, new siding, new deck & porch overlooking 4.6 acres of privacy. Master bed with seperate bath, oversized rooms and room to expand in lower level. Don’t Wait! $276,000

Beautiful, spacious Cape on a 1/2 acre lot. Updated kitchen and bath with tons of room for a growing family. Over 1650 sq ft with a full bath on both levels, dining room, living room with pellet stove and a large bonus family room! Don’t wait! $269,900

JOHNSTON/NEW LIST Move right in and enjoy the view of the reservoir in this completely renovated two to three bedroom Ranch. Updates including new kitchen, doors, windows & heating system. Easy to maintain home, close to all amenities. $232,900

CRANSTON/NEW LIST

Everything you need on one floor! Two bedrooms and two and a half bathrooms, two car garage, master suite, hardwood floors throughout, cathedral ceilings, granite kitchen Bosch appliances, walkout finished basement with hot tub, generator and many upgrades and extras. $329,900 James San Giovanni 401-924-2538

NORTH PROVIDENCE/NEW LIST

A RARE FIND! Oversized private lot with flowing stream and manicured landscaping offers serene setting close to all amenities. Solid 60’s Shotgun Ranch offers young roof, windows, vinyl, HVAC sprinklers and more! Large detached garage & tons of parking! $215,000 Dee Conley 401-952-0664

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

PAWTUCKET/NEW LIST Move right into this charming Ranch with new roof and newer mechanicals, in-law potential,kitchen is fully a pplianced with granite. freshly painted exterior, great back yard. Close to train and highway $189,900 Jessica Rebello 401-327-2611