RI Home Buyer Magazine Sept - Oct 2017 by Rhode Island Small Business Journal

R HODE

ISL A N D

SEPTEMBER 22 - OCTOBER 19, 2017© | FREE

HOME

BUYER &

rihomebuyermag.com

Charlestown

D UCE RED Y L ENT REC

Residential

(401) 822-4444

William Twardy

www.homepointfinancial.com 300 Centerville Rd. Summit West - Ste 204 NMLS - #7706

Home Services Mag

CONDO MANAGEMENT Rhode Island Property Advisory Company

Call 401.736.8300 or visit www.ripac.net

Building Relationships One Home At A Time

Nestled on a beautiful .45 acre lot close to Charlestown Beach and all Rhode Island attractions, this 2 Bedroon, 2 Bath house has a lot to offer: A spacious living room with a wood stove, large kitchen, 2 BRs with skylights, 2 storage sheds, and Charlestown by the Sea Association rights. MLS# 1171759 $394,900

Diana Barone Full Service Realtor

Contact Daniel S. Balkun

1st Choice

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

(845) 803-9289

980 Reservoir Ave. Cranston RI

(401) 226-3374

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

SeeCompany Page 21 Inside For Details! Is Stressful, Choosing The Right wtwardy@carmelta.org Doesn’t Have To Be

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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.

Rhode Island Housing Homebuyer Education Classe

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

INTRODUCING OUR NEW

To learn more, visit loans.rhodeislandhousing.org. loans.rhodeislandhousing.org.

learn more, Rhode Island HousingTo Homebuyer Educationvisit Classes

Our goal is to close in less than 30 days.

Learn More or Register for a Class

If you are beginning to think about homeownership, or are interested it takes to become a homeowner, Rhode Island Housing encourages yo Education class. To best suit the needs of today’s busy homebuyers, th Rhode Island Housing Homebuyer Education Classes in-person and online. If you are beginning to think about homeownership, or are interested in learning more about what Visit loans.rhodeislandhousing.org/Education_Center to find out more and register for a class.

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 mor

loans.rhodeislandhousing.org/Education_Center to find out more and register for a class. Rhode IslandVisit Housing Homebuyer Education Classes

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No Cost Pre-Qualifications

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

Producing Branch Manager | NMLS ID #19741

Call Me Today at 401-203-0305

Rhode Island Housing Homebuyer Education Classes

If you are beginning to think about homeownership, or are interested in it takes to become a homeowner, Rhode Island Housing encourages you Education class. To best suit the needs of today’s busy homebuyers, the in-person and online.

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

Learn More or Register for a Class

Visit loans.rhodeislandhousing.org/Education_Center to find out more

Rhode Island Housing Homebuyer Education Cl

Promises Made. Promises Kept. Working with Sierra Pacific Mortgage Company for my home loan was very easy and uncomplicated. We had a VA backed loan which they worked with 100% & were extremely knowledgeable. They were lighting fast with our closing while explaining and educating us along the way. If I were ever to purchase a home again, SPM would be my first stop.

Lori and Carl S. FHA • Purchase or REFI • VA Loans • USDA • Local Direct Lender First Time Home Buyers • Fixed Rate Mortgages

FREE Prequalifications

•

FREE Credit Analysis

Contact Darrin Ruzzano Today! Licensed Loan Originator | NMLS: 111578

401-533-5394 Direct 401-270-1740 Office | 401-270-9364 Fax darrin.ruzzano@spmc.com Sierra Pacific Mortgage Company, Inc. NMLS # 1788. Rhode Island Licensed Lenders and Broker 20072185LB and 20072187LL. www.nmlsconsumeraccess.org. Not all borrowers will qualify. This is not a commitment to lend. Equal Housing Lender.

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

Samantha June Durand

RealtorÂŽ | Licensed in RI & MA

Direct 401-450-8571 Office 401-921-5011

RealtorSamanthaJune@Gmail.com

OSTER What a unique, beautiful, extremely private, charming place to call home! There isnâ&#x20AC;&#x2122;t much of a reason to leave! This rustic Cape has tons to offer! Besides the list of upgrades this home offers 2000+ living space on a 3+ acre lot. Fenced in in-ground pool, 3 sheds, a stable (with two corrals - a horse lovers dream). 2 wood burning fireplaces, wood burning stove and propane fueled space heater! $314,500

G IN N I D PEN

AYS D 4

G N I ND E P

WEST WARWICK Welcome home to this picture-perfect ranch

nestled on a quiet street minutes away from West Warwick Country Club! Two bedrooms and one bath. However, there are two additional bedrooms in the walkout basement. The home sits on an 8k plus square foot lot with a one year old above ground pool, two sheds, fenced in lot and maintenance free vinyl siding. $189,500

OVENTRY Comfortable living space with 4/5 bedrooms 4 bathsLots of updates-central air-two fireplaces-large eat-in kitchen with appliances and granite counters-roof, New windows, siding and more! Corner lot location with rights to Johnsons Pond/Just join the association for only $40/year. Could be fantastic in/law arrangement! $329,900

RECENTLY SOLD/PENDING PROPERTIES ! D L SO

East Providence | $200,000 | MLS # 1169361

ING D N PE

Lincoln | $249,900 | MLS # 1170670

! D L SO

Smithfield | $219,900 | MLS # 1155178

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

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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 4

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

Located in the heart of Rhode Island Serving ALL of Rhode Island SM

Central

The Home for Top Producing Agents (and those who would like to be)

Our Average Yearly Transaction Sides Per Agent

Our Average Yearly Income Per Agent

Where Does Your Office Stand?

$86,000

Two Great Questions To Ask Your Broker Based on information from the RI Association of RealtorsÂŽ (alternatively, from State-Wide MLS) for the period (2016) through (2017).

Contact Tom Clarkin at 401-465-4227 to schedule your confidential interview

Visit movingri.com | 37 Sandy Bottom Road, Coventry RI | 401-823-7600 To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

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

Looking to Buy a home?

Isabel C. Ferreira 401-996-9685 belle10871@aol.com

Selling your home?

Realty Associates

Meet our lead agent,

Carolyn Bassett. She is a Full Time agent with Host of Homes Realtors and has been working in the field for more than 4 years. Mostly a buyer’s agent, Carolyn has been an active seller’s agent as well this year....

ast rovidEncE Newly renovated 3 bedroom, 2 bathroom Bungalow in Kent Heights. Gleaming hardwoods throughout, french doors. New roof, newer windows, new kitchen with granite countertop and stainless steel appliances. Full basement with finished room and plenty of storage. New boiler and water tank. Large 2 car detached finished garage with alarm and driveway for 3 cars.

Carolyn has a sweet, honest demeanor and the experience to help you .

Call Carolyn Bassett today at 401-499-1351

OUR GOAL IS TO CLOSE IN LESS THAN 30 DAYS. NO COST PRE-QUALIFICATIONS

Building Customers

For Life

$239,900 | MLs# 1171720

HERE IS WHAT MY CLIENTS ARE SAYING...

PHENOMENAL! Heidi originally contacted us a few years ago, letting us know we were eligible for a mortgage interest reduction rate. She managed of all the details, putting our minds at ease as we had not done a rewrite before. This past summer (2016), Heidi again notified us that we were eligible for another rate reduction. She handled all the legalities and paper work on our time schedule. You can’t get better than Heidi for an honest, trustworthy, detail-oriented, and knowledgeable lender. - lpinto329 from 02740

She’s The Best! Buying our first home was nerve raking to my husband and I, Heidi made this process smooth and easy. Heidi was easy to get into contact with and she was very prompt on retuning calls. She was very professional and supportive during every step of the way. we truly could not have done this without her and her co-workers. We were able to close earlier than expected which was very beneficial to us. Great company and great team! - christinegreen15 from 02893

Heidi Rogers Sr. Loan Officer, NMLS #20829

Direct: (401) 203-0306 Cell: (401) 440-6500 Fax: (401) 203-0311 Heidi.Rogers@SupremeLending.com www.HeidiRogers.SupremeLending.com

6828 Post Road Suite 3 | North Kingstown, RI 02852

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

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 | September 22nd - October 19th 2017

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

Joseph Dilibero 401-219-1745

Nicholas Tasso 401-486-8563

nicholas.tasso@century21.com

jdilibero@kw.com

Access America

Buying or Selling Real Estate?

Coventry

I Served You Once, Let Me Serve You Again!

A fantastic manufactured home built in 2016. It is almost brand new as it was only occupied for about 4 months. There are two spacious bedrooms and a cute bathroom with a tub. It comes with the refrigerator and oven/stove. The kitchen cabinets add for a unique look. Another great feature are the two built-ins. One overlooks the living area while the other is situated in the dining area.

$58,900 | MLS# 1172854

Coventry

This is the house you’ve been waiting for! With the possibility of furnishings staying, this truly is a move-in ready home. Nestled on an acre of land, this home has been well kept since being built in 1979. The kitchen is filled with charm, including cherry cabinets and double ovens (think two turkeys at Thanksgiving)! You also have the luxury of three full bathrooms. Oversized deck is perfect to relax.

WARWICK Nice 3 Bed I Bath Cape, Large Kitchen, Hardwood Floors, Living Room W/ Brick Fireplace Attached Garage, Breezeway Leading To Fenced Back Yard, Home Is Close To All Conveniences.

$215,000 | MLS# 1172294

$299,900 | MLS# 1166317

OUR GOAL IS TO CLOSE IN LESS THAN 30 DAYS. NO COST PRE-QUALIFICATIONS

Building Customers

For Life

Susan Males Sr. Loan Officer, NMLS ##24320

Direct: (401) 203-0307 Cell: (401) 243-5758 Susan.Males@SupremeLending.com www.SusanMales.SupremeLending.com

6828 Post Road Suite 3 | North Kingstown, RI 02852

PROGRAMS WE OFFER: • Purchases and Refinance • Conventional Loans • USDA

• VA Programs

• First Time Home Buyer

• Renovations Loans & More 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 | September 22nd - October 19th 2017

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

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

Cranston

Great updated home in good neighborhood, 3 bed, 1.5 bath bungalow has a bonus playroom in the lower level. Updates are, newer roof, heating system, windows, kitchen and much more! Open floor plan w/hardwoods, 1 car detached garage. Must see! $229,900.

Coventry

Adorable ranch with lots of charm. This unique and well maintained one level home with 1-2 bedrooms is in move in condition. Beautiful cathedral ceilings and skylights to let in plenty of natural light. Set back from the road for privacy, 2 car garage with loft for extra storage. $166,900.

Foster

4 bed, 2 bath colonial that sits on 41 acres. House needs TLC. Quiet area not far from Connecticut line, 3 outbuildings, a 2 car garage, working garage w/heat/electric/ small office. Business possibilities! $599,900.

Warwick

This cozy two bedroom bungalow sits on a huge lot (11,326 sq.ft.) within walking distance to the bay. Some updating is needed, but is has lots of possibilities for the right buyer. The home ha binyl siding, centra air, newer water heater and detached one car garage. An enclosed wrap-around porch. $162,900.

Warwick

Coventry

Beautiful updated ranch in Dean Estates, 3 beds, 3.5 baths, central air and great in-law potential. Formal living room with wood fireplace, hardwood floors, updated kitchen with all new appliances, lower level walkout, spacious patio, two car garage, new roof, four zone sprinkler system, corner lot. $385,000.

North Providence

Warwick

Beautiful and well maintained home on huge corner lot. Oversized cape with 5 bedrooms and 2 full baths, new roof, kitchen and heating system. Hardwoods, there are 2 separate basements with lots of storage. Perfect fit for growing family or possible in-law setup. Situated within walking distance of Sherman Elementary School. $269,900.

Lovely cape meticulously cared for, sits on a huge lot of 16,286 sq.ft., perfect for back yard fun and games. Upgrades include a young furnace and water heater, replacement windows, the bathrooms have been nicely updated. Wood burning fireplace in living room, large MBR, sunporch, fully applianced. Home Warranty. $199,900.

West Warwick

Coventry

Adorable cozy cape with large, sunny enclosed porch, hardwoods, fireplace in DR, open kitchen w/dining area, finished LL family room, vinyl sided, picket fence in front yard. Seller is the original owner, itâ&#x20AC;&#x2122;s a well cared for and maintained home. $219,900.

Cranston

Priced to sell! This 3 bedroom ranch is in a great neighborhood, remodeled and features an eat-in kitchen, hardwood floors, new heat, new septic, one car attached garage, deck and sits on a large lot. Tiogue School. $214,900.

Nestled on a private acre of land youâ&#x20AC;&#x2122;ll find this attractive 3 bed, 3 bath one owner ranch with many upgrades, cherry cabinets, double ovens. Dining room opens to large deck with spacious back yard. MBR has good sized closets & own bath. Brick fireplace, 2 car attached garage. Must view! $299,900.

Just steps away to Sand Pond. Great cape style home features 3 bedrooms, 1.5 baths, hardwood floors, 1 car garage, light filled rooms, kitchen and formal dining. Enjoy the large fenced yard. $209,933.

Coventry

Great 2 bedroom 2 bath condo in Washington Village. New paint, great finished basement with laundry area. Near bike path, golf, shopping and highway access, rural setting. $159,900.

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

800 Oaklawn Ave Suite A2 Cranston, RI

401.942.0110

c21realtyassociates.com

Realty Associates

Agents! Looking For A ChAnge?

Are You Paying High Monthly Fees Does Your Split “Roll Back” Yearly Associated with a Low Split Agency You know. You are the center of the transaction.. So does C21 Realty Associates! 12

For confidential meeting call Garry at 401-228-5936 Or just speak with one of our agents

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

Mike Behm

401-265-9437

Warwick

Vacant Land in the Warwick Neck area. Plat/ Lot: 380 / 0024,0036 Lot Frontage: $40 Lot Size: 6,364 sq.ft. Call for details! $34,900 Call Mike Behm at 401-265-9437

East Providence

Pawtucket

Subject to Probate and Short Sale approvals Property needs repairs. Call Mike to find out more details on this property. $175,000 Call Mike Behm at 401-265-9437

West Warwick

Don Martone of MartoneMoves is as quality as they come. Don was patient with me, a first time home buyer and now owner. He made sure I understood every step of the process. As we viewed houses together, he quickly earned my trust and respect. It became very clear how much passion Don has for his work, as well as how much knowledge he has to offer. I am very grateful I got to work with Don, and highly recommend him to anyone looking to buy or sell a home. - Marcy F., Successful Buyer

For more “Together In Success” Stories Visit my 5-Star Agent Zillow Page: Oversized Raised Ranch with full in law potential 4 bedrooms, and 2 bathrooms, Large fenced yard on a corner lot with an above ground pool and a large shed. $272,500 Call Mike Behm at 401-265-9437

This Picture perfect Colonial tucked away in a quiet neighborhood offers 3 beds and 1 full bath, along with 2 half baths Also features a formal living room, and dining room. $382,000 Call Mike Behm at 401-265-9437

Zillow.com/profile/MartoneMoves

Together In Success

Don Martone

RIHomeBuyerMag.com YOUR ONE-STOP SOURCE FOR EVERYTHING REAL ESTATE • Find An Agent • Search For Listings • Mortgage Advice & Service

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401.954.0270

www.martonemoves.com To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

Dave “T” Tatangelo

(401) 465-0263

“FREE”

davetteam@gmail.com DaveTteam.com

NORTH PROVIDENCE

Updated and Well Maintained 2 Bedroom, 2 Bath Townhouse with Deck Overlooking 2nd Green. Short Walk to Pool & Restaurant. Spacious and Bright, New Kitchen with Granite and Stainless. Many Recent Updates Throughout, Central Air and More, Call Today! $199,977 Call Dave at 465-0263

WEST GREENWICH

Incredible Describes this Architect & Engineered Designed Custom built Colonial! 4-5 Bed,3.5 Bath “Green Certified” Home on Cul-De-Sac, This home boasts 9’ Ceilings,Hardwoods Throughout 1st, Stairs & upstairs Hallway, Home is wired for High Tech full HD WIFI throughout. $824,900 Call Dave at 465-0263

MARKET ANALYSIS & Consultations

DaveTteam.com

COVENTRY

Location, location, location. 3 bed contemprary bungalow/cape close to everything. Many possible uses w/ tlc. Home, small biz, doctor, dentist, atty offic etc. Seller will consider rezone if needed.. I1 or business. $177,900 Call Dave at 465-0263

COVENTRY To Be Sold with MLS# 1033549, Great Tri-Level on Maincured Lot, Hot Tub, In-Ground Pool, 6 Car Garage, A/C, Sprinklers .This property will have 2 single family residential rental properties. property division is currently being engineered. $650,000 Call Dave at 465-0263

COVENTRY Nice 3-4 bed colonial in town center, 2 car garage, hardwoods, 2nd floor laundry, large deck, old school charm, close to everything. Call Today... SHORT SALE APPROVED AT $215,000. $209,900 Call Dave at 465-0263

COVENTRY Cute Cape with new high efficiency furnace, central air with WiFi thermostat, new flooring, deck overlooking private back yard, and new roof with gutter guards, call today! $179,000 Call Dave at 465-0263

View More Properties Like These On Our Custom Website! DaveTteam.com

Ken Cesaro

AT PRIMARY RESIDENTIAL MORTGAGE

we are happy to help you to purchase or reﬁnance a home using an FHA, VA, USDA or a Conventional Mortgage.

Loan Oﬃcer NMLS# 10048

Branch NMLS# 305552

Oﬃce: 401.490.7123 Cell: 401.641.0019 Fax: 401.648.0055 Email: kcesaro@primeres.com 647 Oaklawn Avenue Cranston, RI 02920

Licensed Lender in RI, MA, CT, NH & FL Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc, Lender 200417155LL, Broker 20041716LB. Division of Banks MC3094. Connecticut Department of Banking 8750. Florida Oﬃce of Financial Regulation MLD646

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

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To Find Your Dream Home Visit RI-Homes.com Or Contact One Of These Offices To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

WE ARE ON A MISSION

A mission to connect you with the right home! Find out how easy it is to sell & buy the way you want with us!

SCITUATE

Beautiful, custom-built colonial with all of the amenities inside and out you desire in the most highly sought after neighborhood in Scituate boasting great schools! Welcoming & well manicured lush green grounds and tranquil gardens on your private 4+ acre oasis awaits you. $489,900

EST REENWICH Beautiful custom colonial home located in highly sought after Deer Run, located moments from I-95! Perfectly situated on a 2-acre lush green lot surrounded by wild blueberry bushes and all the privacy nature offers! This home boasts southern exposure and is on the end of a lovely cul-de-sac. $1,050,000

Start

Your

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Click MyDream or Call 401 CRANSTON

WARWICK Beautiful, warm, welcoming, updated

ATTLEBORO

This immaculately kept, beautiful, and spacious raised ranch located in the heart of Western Cranston, is a homeownerâ&#x20AC;&#x2122;s dream! A vision from the inside and out, this home boasts pristine vinyl siding, a great roof, high efficiency windows, a private deck and patio, abundant off street parking, an attached, tidy one car garage, and lush green grounds watered by a private irrigation system. $269,900

OVENTRY Welcome to 15 White Rock Road in beautiful Coventry, Rhode Island. This gorgeous raised ranch has all the features you could possibly want! This contemporary home comes with kitchen/dining area with open sliding doors to large deck, living room, office space, 4 bed, 2 bath. This is a spacious living area for any family, especially with the bonus walkout lower level. $309,900

& spacious cape cod home nestled in the heart of sought after Gaspee! This home is a short walk to water and conveniently located near shopping, amenities. Your lovely new home features a brand new 1 layer 30-year roof, instant gas hot water & heating system, 200 amp electrical, maintenance fee vinyl siding, granite island kitchen. $279,900

Donâ&#x20AC;&#x2122;t miss this incredible opportunity! Income producing, well managed, updated 3 unit multi-family. Great opportunity to own a fabulous investment property with excellent income potential, right in-town! Occupy one unit and use the rent from 2 units to pay your mortgage or rent all 3 units for maximum return on your investment! $249,9000

Tune In: Rhode Island Real Estate Radio SUNDAYS AT 10AM ON WHJJ 920AM

401.359.2338

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

mHomeNow.com 1-359-2338

IVERTON Welcome home to this beautiful, custom built home with wonderful water views of Mt. Hope Bay and Bridge! Enjoy the sunsets over the water from one of your two decks, meander through your own meadow with gardens, stonewalls and stream, or watch the various wildlife wander through from the deck off the large living room. There is also a small association that includes private beach access ($45/year). Moorings off the private beach are also possible! This home has a light & bright open floor plan, cathedral ceilings and recessed lighting. The kitchen boasts quartz countertops, cherry cabinets and Kenmore Elite appliances. In the large master suite, you will wake up each morning to beautiful water views - enjoy a quiet cup of coffee on your private deck! Come see this beautiful, superbly maintained home! $449,900

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 | September 22nd - October 19th 2017

To Pay or Not to Pay...

that is the question

by Daniel E. Giroux, Home Point Financial

Today’s mortgage market gives the borrower much more flexibility. The days of 20% down are a thing of the past. Today programs offer 100% financing for Veterans, first time home buyers, and on USDA loans, 96.5% financing for FHA buyers and 95-97% financing on conventional programs. The biggest question is, what you qualify for and how much should you put down when buying a property. Recently I had a client that was looking to purchase a $400,000 property. He had great fico scores, money in the bank, great income, and wanted to put (20%) $80,000 dollars as a down payment. The client’s goal was to have a lower payment by putting as much money as he could down on this property. What the client did not know was he had options. He was under the impression that he needed to put 20% down. After a bit of conversation and research, it was discovered that the client had $35,000 in credit card debt that was costing him about $900 a month. We discussed the pros and cons of putting down a large down payment and the pros and cons of paying the credit card debt and putting less money down on the purchase. 1. Credit cards have much higher interest than a mortgage 2. Credit card interest is not tax deductable 3. The payments on $35,000 worth of credit card debt was $900 a month Many clients believe that if they don’t put down 20% they will be required to pay mortgage insurance and will have a much higher rate. This is not

Buying a home is more than a purchase price and a down payment. It’s an investment into your future.

the case. In today’s mortgage market we can offer great rates with less down and there is a program called Lender paid mortgage insurance that eliminates the borrowers needs to pay a monthly mortgage insurance premium. Every loan and every person’s situation are always different, but in this particular case here was the final result.

Client thought they wanted:

$400,000 purchase with $80,000 down and $320,000 loan size. The principal and interest payment on a 30 year mortgage would have been $1528 plus the remaining credit card debt ($35000) at $900 per month leaving the borrower paying $2428 per month.

The client decided to go with:

$400,000 purchase price with $40,000 down and a $360,000 loan size. The principal and interest on a 30 year mortgage payment is $1771, the credit cards are paid off and the client still has $5000 left from the $80,000 to buy new furniture for his new home. In this case, the client saved $657 of monthly cash flow and kept $5000 in his pocket. If the client was to apply these saving directly back to the principal of their mortgage each month they would have their mortgage paid in full in less than 15 years. My point in sharing this story is to show home buyers that you have options. Sometimes you need to step back, take a deep breath and explore those options before you jump in. Buying a home is more than a purchase price and a down payment. It’s an investment into your future.

Daniel E. Giroux NMLS 26531 Home Point Financial LLC NMLS #7706 Licensed Lender

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

Showcase Listings

Coventry A home for all seasons, almost a half acre the backyard offers endless opportunities for outdoor fun, while the spacious family room with fireplace welcomes cozy warm winter evenings. A bright kitchen and living room with vaulted ceiling for a dramatic effect. Well established neighborhood. $224,900 Mary Lyons 401-439-8507 RE/MAX Central

Coventry

Sought after neighborhood in Coventry on the Scituate Line this Lane ends in a cul de sac. Easy Hwy Access 95, 295. Spacious home with open concept design and generous size rooms throughout this home boasts approx 3232 square feet of living space. Located on 4 pristine acres. $459,000

Emily Kheradi 401-243-5520 Keller Williams Realty

Coventry

This immaculate Gambrel is situated on 4.93 acres surrounded by lovely gardens and trees revealing their blooms throughout the seasons! Serene Location! The interior of the home is stunning with uninterrupted hardwood flooring throughout. $429,900

Mary Lyons 401-439-8507 RE/MAX Central

Eric Maluk NMLS #4733

North Providence Don’t Miss Out On This Home Sweet Home! Welcome Home to this highly desirable neighborhood! This beautiful home offers 4 bedrooms 2 full baths, and gorgeous hardwood floors throughout. The open kitchen, living room, dining room space is perfect for entertaining.$244,900 Lisa Barbary (401) 533-7747 RE/MAX On The Move

Daniel E. Giroux NMLS #26531

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

Warwick Completely updated home. 2-3 bedroom home, one and a half updated baths, New Granite Kitchen, New stainless appliances, hardwood floors, plank style tile floors, finished lower with walk out, sewers, large fenced corner lot with multi level deck just steps from Hendricken. $229,900 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

Cranston This Sprawling 2,800 Sq Ft Contemporary Sits On Over 2 ½ Acres, Offers 3 Spacious Beds And 2 ½ Baths. This Home Offers Central Air, Gleaming Hardwood Floors, 3 Car Garage, Deck, And Stone Fireplace. Property Also Features An 1800 Sq Ft Building With Electric And Heat Ideal For A Workshop. $400,000

Burrillville Awesome 6 Bed 3 Bath Colonial Featuring Over 3500 Sq. Ft. Of Living Plus Finished Basement. This Property Is Loaded With Updates Including Granite Kitchen And Baths, Bamboo Hardwoods Throughout, Brick Look Vinyl Siding, Oversized 2 Car Garage, Huge Master Bedroom With Master Bath, 2 Walk-In Closets And Private Balcony.

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

East Greenwich This Custom Home Is A Show Stopper! Stunning Tudor Is Located In A Premier Private Community Offering Luxury,Convenience And Privacy. The Home Is Beautifully Situated On Just Over 2 Acres Of Manicured Land. Perfect Floor Plan For Entertaining! $895,000 Guy Glennon 401-932-5005 Hill Harbor Group LLC

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

Exeter Come fall in love with this Turnkey Custom built Dormer Cape! Open floor plan, 3-4 beds, 3 1/2 baths with heated floors, a true 800 sq ft Master Suite has French doors leading to a Mahogany Balcony and Private outdoor space! Gourmet Granite Kitchen with large granite island, Viking Cook Top, Center Grille. $579,900 Kathleen Odell 401-932-5005 Hill Harbor Group LLC

Narragansett It’s a lifestyle! Enjoy your

private access to the beach in Pt. Judith! Collect high seasonal rents from the same devoted tenants of 10 years or make this your own private compound. Two houses on one lot! 3 bed, 2 bath Cape & 2 bed 1 bath Ranch. $1,499,000

Kathleen Odell 401-932-5005 Hill Harbor Group LLC

Central Falls Very Nice Updated 3 Family Home Featuring 3 Bedrooms on Each Floor, Very Spacious Units & Rooms, Coin Op. Laundry in Finished Basement and Plenty of Off Street Parking! Nice Investment or Perfect for Owner Occupied. The First floor will be Vacant for You! $249,900 James Rebello 401-241-7728 HomeSmart Professionals RE

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

A time for change...

We Are A Full Service Residential and Commercial Real Estate Office

Come & Join Our Team

653 Atwood Avenue, Cranston, Rhode Island

401-270-1174 GrecoRealEstate.biz

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

Happy Referral Partners and Their Happy Clients

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 | September 22nd - October 19th 2017

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

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401.942.8857 | www.hartfordmaterials.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 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.

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 en i en t ly l o Cat ed

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. $649,900 CALL KAREN CATUOGNO 401-363-8888

3 8 0 J ef f ers o n B lv d . , W a rW i C k ri & 1 4 8 B o o n s t . n a rrag a n s e t t ri

Cranston:

Custom built by original owner. Possible in-law. Triple sized lot. Private outdoor entertainment patio with outdoor fireplace. Master masonry front with stone and brick interior fireplaces. $339,000 CALL STEVE MENDES 401-954-7938

West Greenwich:

5 acres on Weaver Hill Road. Buildable lot! Survey and grading plan in hand. Previously approved for 3 bed ISDS. Wooded, private and waiting for your dream home! $174,900 CALL BEVERLY COURNOYER 401-255-4615

West Warwick: First time home buyer oppor- Warwick: Property is not in Flood Zone. Newer gas South Kingstown: tunity close to West Warwick bike path. Attractive, extra large kitchen with granite, stainless appliances and tile floor. Bright and airy open floor plan on first level. Three bedrooms with unique master bedroom with slate and tile master bath. Ample off street parking with shared driveway. $174,900 CALL KIMBERLY WOOTEN 401-439-2523

Richmond:

furnace & Hot Water Tank. Sewer assessment paid in full in 2015. Current cesspool. $97,900 CALL JOE LUSSIER 401-259-9339

Warwick:

Mixed use residential/retail. Three lots sold as package only. 1133 Main retail plus two residential plus 1,140 square foot contractor garage. 1135 Main retail space. 1137 Main retail plus two residential. Once acre of land. Good traffic count. Zone GB. $830,000 CALL KAREN CATUOGNO 401-363-8888

Legal non conforming lots [2], total 10,000 SF - needs zoning approval. Walk to water. Dead end, flood insurance may be required. $69,900 CALL DON MORASH 401-732-0011

Coventry:

Warwick: 2 Blocks to water! Great view with a FEMA

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? $275,000 CALL DON MORASH 401-732-0011

type house. Lots 339 & 340. $89,900 CALL DON MORASH 401-732-0011

Build your dream home on this magnificent waterfront Narrow River with DOCK. Dock will accommodate two plus boats with access to open ocean possible. Approximately 110 feet of frontage on the river, half acre lot. Town water and sewer. There is currently a two unit cottage on the property. Two condos may be possible for investors/builders. $572,000 CALL KAREN CATUOGNO 401-363-8888

Cranston: Expandable Raised Ranch in the West-

ern end of Cranston, this home features a walk out basement, which is great for possible in-law expansion, large fenced yard, above ground pool, hardwood floors, central A/C, wood stove. Property also has access from Greenfield St. $239,900 CALL MARYANN PAPA 401-275-2132

South Kingstown:

Waterfront Narrow River with DOCK. Two units, side by side, with magnificent waterfront location. Lot almost half acre. Dock can accommodate two plus boats. Rear deck. Property can be renovated for owner plus income or perfect investor opportunity. $575,000 CALL KAREN CATUOGNO 401-363-8888

bsolutely The Best!

“All Your Real Estate Needs Under The Red Roof ” 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 | September 22nd - October 19th 2017

The Goss Team WHERE DREAMS COME TRUE!

PROPERTIES

401-349-4677 401-349-4677 THEGOSSTEAM.COM

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

Our goal is to close in less than 30 days. No Cost Pre-Qualifications

100% FINANCING AVAILABLE FOR USDA AND VA LOANS

ZILLOW 5 Star Review

“...Doug Iannuccilli is the one. Without missing a beat, Doug seamlessly facilitated and completed a home loan for me recently, making sure I was informed and completely comfortable throughout the entire experience. His transparency, extended availabilty and gracious manner added unexpected ease to the entire process. I undoubtedly intend to seek Doug’s expertise in future mortgage-related needs as well as referring his services to friends and family.”

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

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

RHODE ISLAND HOUSING’S LOANS OFFER OPTIONS TO MORE RHODE ISLANDERS Great homes come in all shapes and sizes. Wherever you are on your homebuying journey, take the next step with one of Rhode Island Housing’s home loan options. Loans are available directly through Rhode Island Housing’s Loan Center and a network of Participating Lenders throughout the state. To learn more, visit loans.rhodeislandhousing.org.

Rhode Island Housing Homebuyer Education Classes If you are beginning to think about homeownership, or are interested in learning more about what it takes to become a homeowner, Rhode Island Housing encourages you to sign up for a Homebuyer Education class. To best suit the needs of today’s busy homebuyers, these classes are offered both in-person and online.

Learn More or Register for a Class Visit loans.rhodeislandhousing.org/Education_Center to find out more and register for a class. 26

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

Howie Reiner 401-465-9752

howie.reiner@century21.com

Your Home. Your Dreams... Realty Associates

M Y

C O M M I T M E N T .

Contact me today for more information.

Tai Cordero Real Estate Sales Agent m. 401.391.1355 o. 401.921.5011 tai.cordeiro@yahoo.com

Johnston Come see this beautiful raised ranch, with a large driveway and a big back yard with deck. Features include stainless steel appliances, granite counter-tops, and a finished walkout basement for entertaining or POTENTIAL INLAW. This house is immaculate and needs nothing!

$349,000 | MLs# 1171908

Tai

WE ARE YOUR COMPLETE H O M E I M P R OV E M E N T R E S O U R C E

We make your project a smooth and easy process - No job is too small

Carpentry • Electrical • Flooring • HVAC Insulation • Masonry • Painting • Plumbing Roofing • Siding • Site work • Windows & Doors

Book Your Project Now! Our service request team is here to help you.

401-352-0222 www.GoFixxIt.com To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

Chris Woodard Natasha Horvatic Gail Candora Associate Broker

401-640-3481 chrisw@kw.com

The Chris Woodard Team

SOMERSET, MA

WARREN

Large colonial completely renovated from floors to ceilings to electrical to plumbing and everything in between. This lovely home still boasts it’s classic original charm along with the updated amenities and efficiency of a new home. Water views of the Taunton River from both floors and public access across the street. Original fireplaces still intact, two car garage and large corner lot make this a must see! $374,000

Shana Boyer

Pete Dufresne

S T R I V I N G

T O

“Pristine” is the only way to describe this beautifully cared for home. This unique raised ranch offers so many wonderful features including gleaming hardwoods throughout, stainless appliances & granite counter tops. The finished lower level features a wet bar, full bath, laundry, office and walkout to the garage. $359,900

Sarah Fournier

B E

PLAINFIELD, CT | $269,000

T H E

The Beautiful Hickory Hardwoods Are Down and The Custom Kitchen Is In!! This Brand New 1,792 sqft Home Is Weeks From Completion, Boasting 3 Beds With FIRST FLOOR MASTER, 2 Full Baths,Granite Counters, TOWN SEWER, FINISHED 2 Car Garage And So Much More Just Waiting For You To Make It Your Own! This Is Not A Drive By Full 2nd Floor Dormer Provides Surprising Space Upstairs And The Full Basement With High Ceilings Gives Room For Future Expansion. Placed On A Cul-De-Sac.

Buyer Specialist

401-644-5689 nhorvatic@kw.com

401-499-9312 gail.cwt@gmail.com

WARWICK

Possible 6 lot single family or 4 multifamily lot subdivision located in the Tollgate School district. Wetlands delineation completed, road needs to be installed, seller open to ideas for possible joint venture. $99,000

401-334-3334

Cory Brien

www.SpectrumREC.com

O N L Y

Transaction Coordinator/Realtor

R E A L T O R S

Y O U

UXBRIDGE, MA | $379,900

Beautiful 3-4 Bedroom with Open Layout; HUGE Kitchen and Dining Room are great for Entertaining, Granite Countertops, Hardwood Floors, and Plenty of Cabinets. Two Pellet Stoves Help Keep the House Toasty in the Winter Months. Central Air Conditioning and In-ground Pool to Keep You Cool During Summer Days and Nights; Pool Liner is 3 Years Old and Filter is 1 Year Old; Trex Decking For Zero Maintenance. Three Season Room Over Looking Backyard and In-Ground Pool. All Situated on 5+ Acres Abutting Douglas State Forest.

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

Steve Parrott

Commercial Specialist

774-994-0879 steveparrott@kw.com

WARREN

3 level cape with nice size corner lot, garage and centrally located to 195 and downtown Warren. Zoned mix use allows for business and residential. Move in upstairs and run your business downstairs. Great starter home, bring your ideas. $209,000

Kate LeBlanc

W I L L

E V E R

Ally Ethier N E E D !

NORTH SMITHFIELD | $139,900

2 Bedroom Home with Updated Windows, Hardwoods, Newer Stainless Steel Appliances, Enclosed Porch, Weil McLain Boiler (7Yrs Old) with Tankless Hot Water, New Well Pump and Tank, Three Plus Acres, Two Car Garage. Cash, Conventional, or 203K Only.

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

O R

M O R E

L I S T I N G S

V I S I T

EXETER/NEW LIST

Custom home on four acres of well-manicured grounds with large wrap around porch. Entry foyer with custom staircase, designer kitchen, spacious living room with fireplace. Three bedrooms and 2.5 baths. Separate guest studio with two bedrooms, large living room and full bath. $639,000

Paul Zarrella 401-942-0200

EAST PROVIDENCE/NEW LIST

Updated townhouse condo with new kitchen complete with stainless appliances. Two beds and 1.5 bath, laundry in unit. Kitchen sliders lead to large yard surrounded by woods. Low condo fees along with central A/C and wood stove for winter! $175,000

Jessica Giorgi 401-231-9497

WARWICK/NEW LIST Beautiful oversized Cape with four large bedrooms and two baths. Updates include kitchen with stainless appliances, new cabinets and Silestone countertops! Wide plank floors, brick fireplace and gas stove. Private fenced yard for entertaining! $459,000 Max Heidel 401-440-5955

575 E as t Mai n Road Mi d d l etow n, RI 401- 847- 4800

W I L L I A M S A N D S T U A R T

C O M

JOHNSTON/NEW LIST

JOHNSTON/NEW LIST Lovely split level

Deborah Giannini 401-282-9721

Amanda Hannon 401-575-7854

home in the Graniteville section of Johnston. Great open floor plan, hardwoods throughout, updated kitchen, double fire place and central AC. Situated on corner lot, one car garage, and lawn sprinklers and new roof! $260,000

NORTH SMITHFIELD/NEW LIST Spacious Colonial located in a fabulous residential development minutes from the Mass. line and highway. The main level has an open floor plan with huge kitchen, granite and new appliances. Grand staircase leads to master suite with walk-in closet. Lower level family room, central AC, two car garage and back deck overlooking wooded rear lot! Perfect for entertaining. $365,000 Jill Weathers 401-749-5414

CRANSTON/NEW LIST

HOPKINTON/NEW LIST

Susan Rowles 401-942-0200

Sprawling, custom built home nestled on quiet street. Updated kitchen and baths, central air, new heating system, fenced yard with deck, hot tub and sprinkler system! Second master suite in walkout lower level with summer kitchen. $389,900

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

Spacious three bed 2.5 bath Colonial on cul-de-sac. Hardwoods throughout main level, designer kitchen with pantry, master suite with Jacuzzi, mudroom entrance off the two car garage. Sliding doors lead to the large fenced in yard that features a deck and in-ground pool! $349,900

To Advertise Call Ralph Coppolino at 401-837-0239 | September 22nd - October 19th 2017

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 | September 22nd - October 19th 2017

NEW LIST/WARWICK One-level, end unit with two beds, 1.5 baths. Open floor plan, central kitchen with granite counters. Master bedroom with bath, laundry in unit and one car detached garage. Condo offers cozy farmerâ&#x20AC;&#x2122;s porch overlooking manicured grounds & fountain. $219,900

CRANSTON/NEW LIST Cozy and affordable home nestled in desirable neighborhood. New heating system, hardwoods, large screened porch, garage, and fenced yard. $179,900 Susan Rowles 401-942-0200

CRANSTON/NEW LIST Garden Hills neighborhood, three bed Colonial. Spacious eat-in kitchen, central air, whole house generator, new furnace and hot water tank. Master bedroom with walk in closet. Back deck overlooking beautiful landscaping. $284,900 Donna Digiulio 401-829-3825

John Moretti 401-464-2162

CRANSTON/NEW LIST

17 0 M ay fie ld 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 Na rra ga ns ett , 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

Amanda Hannon 401-575-7854

New Ranch style home with three beds and three baths. Cherry cabinets and granite counter tops with stainless steel appliances. Open living, crown molding and two car garage. A country setting and close to town! $349,000

Angelo Christina 401-742-9440

Jarrod Atteridge 401-442-6580

John Moretti 401-464-2162

Donna DiGiulio 401-829-3825

SOUTH KINGSTOWN/NEW LIST

Three bedroom Cape Cod home with vinyl siding, living room, dining room, breakfast bar and finished basement with plenty of storage. Meticulous landscaping, gorgeous in ground pool and privacy fence! $185,000

CRANSTON/NEW LIST Classic 1,700 sq ft, three bed, 1.5 bath, Craftsman Colonial in Edgewood. Beautiful hardwoods, freshly-painted interior, woodburning fireplace. Two zone central air, brand new boiler, walk-up attic and one-car detached garage. Needs some updating, has good bones featuring a great layout and spacious rooms! $219,900

Beautiful, wide tree lined street in desirable Eden Park. Three bedrooms, one bath, working fireplace in a cozy front living room, dining room with French doors to walk out patio! All the charm of older construction throughout the house and private outdoor living space with large artisan stone patio! $249,900

WOONSOCKET/NEW LIST Adorable two-four bed Cape, located on a quiet street in East Woonsocket. Completely updated with a brand new roof and freshly painted. $189,000

PROVIDENCE/NEW LIST

WARWICK/NEW LIST

This spacious home on a cul-de-sac features large living and dining rooms, fenced yard with a deck and a screened porch, 3-4 bedrooms upstairs and a den/possible 4th bedroom downstairs. Full baths upstairs and down. Newer roof and furnace and replacement windows. $209,900

Kate DeSimone 401-450-4881

EXETER/NEW LIST New Construction! Beautiful two bedroom, two bathroom raised ranch conveniently located minutes from rt. 4 and Wickford attractions! New home with red oak hardwoods, stainless steel appliances, granite counter tops, central air and two car garage. Custom finish options available! $299,900 Michael Alves 401-207-1603

WEST WARWICK/NEW LIST Great

opportunity for investment or owner occupancy! Upgraded two family with a large fenced yard. Hardwoods throughout, garage, replacement windows, new roof, laundry, large deck and front porch! $200,000

Paul Zarrella 401-942-0200

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

WARWICK/NEW LIST Fantastic Ranch on oversized fenced in lot. Three-four bedrooms and two full baths. Completely updated throughout with gourmet kitchen, stainless appliances and in law potential. $260,000 Jessica Giorgi 401-231-9497