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Mooers Realty Blog

Latest Real Estate News, Local Community Area Events From Mooers Realty.

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The Home In Maine For Sale, The Renter Inside.

The owner of the home in Maine relocated, has to rent the house out to help subsidize the property they carry here.

To be able to buy a place in the new location. Or just to help with bills snow woods maine photosbecause they too are renting on the other end.

Until the place, home in Maine sells. But there is a problem, a kink, a wrinkle.

The renter tells the owner he is going to buy their home in Maine.

So the owner figures here we go. One loose end tied up. But months go by.

No purchase and sale agreement. No talk even on the price the property is going to be selling for to see if they can even afford it.

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Catch Twenty Two For Local Maine Home Buyers.

For some local small town Maine home buyers the situation goes like this.

If the credit score is healthy enough, the debt ratios of spending maine loons photocompared to the cash flowing in each month A OK, they qualify for a home loan.On paper.

Say a Maine State Housing RD home loan for first time house buyers.

And in Northern Maine where home prices are lower, the wages are too.

So the $40,000 price range the Maine bank loan officer points to and says go forth young home buyer.

Seek out a home in Maine for $40K or under. It's all smiles. For awhile.

The Maine home we find the buyer on radar that catches their fancy, causes the lubdub is a bank repo. Parked in that magic price range limbo mortgage pole space they have to stay under. To make the math add up right. To meet Maine home mortgage loan requirements.

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What Can Go Wrong In Listing, Selling Maine Real Estate?

Trouble shooting, what can go wrong in listing, selling Maine real estate properties?

The listings in Maine get created around the kitchen table of the seller. The detailed information gathered to use with the images, videos, maps, surveys in the marketing media streams. baxter park moose photo

Often if this first step does not get the time and attention it deserves, things go down hill on a Maine home sale.

Or something blows up later on that should have been dealt with early on to avoid derailment.

Like a Maine real estate deed with a glaring, faulty description, that does not close completely. Or right of way easements, lien attachements that should have been known early on. That simple were not checked for, figured in on the to do list before marketing kicks in. That could have been spotted from a simple peek at the title in the local Maine county registry of deeds.

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Buying A Maine Home, Financing, Getting A House Loan.

Buying a Maine home, getting a house loan.

What are the hurdles set up to clear today at a local Maine bank for financing your own place?

No longer just one flavor of mortgage loans for a Maine home. The days maine lake home photoof just, only one route of saving up, going without to get a pile of cash large enough.

To plop down 25% of the Maine home property's purchase price are over. Long gone.

When you spy with your little eye "the one" you want to start out in for "home sweet home". And the sticks and bricks are all you can think, dream about through out your home buyer's days and nights.

Now options to buying a Maine home are growing in number to custom make the best fit for your financial situation.

And considering the all important property listing the buyer has his or her heart set on owning.

To four walls and a roof. To raise a family in. To see the house in Maine equity increase as the mortgage payments chips away slowly. On the loan amortization schedule debt securing the Maine home for bank lending collateral. 

The requirements to get a loan for a Maine home start with your all important number, the credit score. That number that takes years to build up, to repair if dinged and beat up. And so little time to see it get riddled with holes and shrink rapidly because of life events, poor spending impulse control.

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Expectations, Some A Maine Real Estate Broker Sets.

What the Maine real estate buyers, sellers expect in property sales?

Sometimes realistic. Other times pie in the sky happens looking down the road for expectations. The maine foliage road photohardest situation is the young couple, first time Maine home buyers.

They qualify barely for a $40,000 or less home loan.

The trouble is no closing costs for the above and beyond saved up. Looking for the seller, expecting the owner to pick up the tab.

And because the Maine home is in the $40,000 property search bracket, it is not going to be in perfect new, show room condition for a finnicky loan program underwriting standards.

May have some hurdles, tall ones to scale to please the Maine home appraiser. Replacing a furnace is not done with chump change. Money found down in the seat cushions of the couch. From rounding up, taking the empties back to the bottle redemption place.

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When Maine Land Was 100, 250 An Acre To Buy, Enjoy.

With Maine land, for many it is living life one acre at a time.

Because the desire is to live a life with less consumption. Being sensitive to what is healthy mentally, spiritually, physically. To be balanced with a day of day of independent moderation. farm barn cows photo

But on a Maine farm, working the land is passion that drives the motivation.

To find a few things you do well in the tilling, planting, culitivating, harvest.

To put your heart and soul into those outdoor working the Maine land endeavors that define you.

In the late 1970's, early 1980's when I studied, passed my Maine real estate brokers license exam, Maine land was pretty easy to sort, grade, price.

To price it meant cut over Maine woodland with no or hard legal access could mean $100 per acre for fair market value.

Add a brook, some attractive, generous owner financing to the Maine land and the figure could bump upward. If it was a total swamp with prehistoric animals roaming it and spooky, chain saw that price a notch or two.

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You Open The Newspaper, The Headlines About The Real Estate Market.

You unfold the newspaper, see headlines about the real estate market up or down.

And you figure the reporter is talking about the local area. No, they are reporting on certain areas or trying to give a real estate forecast for the horses group in maine photoentire country.

Or focused on a region that is rebounding or lagging in real estate. That is the  spotlight.

But local. The real estate market where you live, work and play. Surrounding your day to day.

Where you are invested. Or wishing to buy, needing to sell a property listing.

That is the real estate forecast you are most concerned with right?

In Maine, we live in two major sections. Southern Maine that warms up and cools off, tied a lot to the Boston MA real estate market.

In Northern Maine, we chug along. Live like we are in our own little world.

Because we are. In a county the size of Connecticut, Rhode Island with eleven people per square mile. That is all. Less people, less problems.

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Maine Homes With Owner Financing, It Happens.

Maine homes with owner financing, a seller willing and able to carry a mortgage if you sign the promissory note.

Work out the terms to repay the debt on the property you move into that has a mortgage given back to the owner of the Maine home. humming birds in maine feed photo

In states where the house prices are too many zero places big and the repayment would be too long, too large for the buyer, Maine homes are cheaper.

The payment for the property home listing buyer in Maine is not going to choke the purchaser. Squash the real estate deal.

Because all the Maine homes are so much lower cost. More for the money happens in Vacationland.

It's a case of everything you know about house values where you live now, divide by three, four or more. Way way less expensive than where you may hang your hat now to live than if in Maine where homes are affordable.

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Making Your Maine Home More Valuable, Sell For More.

The time has come to sell your Maine home and how to make it worth more you ask the agent, broker.

For a bigger net proceeds bottom line property sale figure on the real estate HUD-1 settlement statement. Surprisingly, the most important improvements revolve around housekeeping these days.jeep way fun maine photo

A clean Maine home for sale is a beautiful situation.

Odor free from strange, sharp sour smells. Of over flowing garbage and cat boxes.

And well lit, uncluttered. Ship shape and tidy. With a quick possession date. Easy opportunities to show for walk throughs of qualified Maine home buyers. Ready to buy.

All puts your Maine home head and shoulders above many in the house herd. Plenty that are lived in too harshly. Some looking like community centers and flop houses. Prison conditions when the inmates storm the guards kinda appearance. When the guys in stripes turn the tables, take control over the crow bar hotel.

Often the Maine home decline happens because no money for repairs. The reason for the shabby look, stark lack luster conditions. Divorce aftermath. Someone got sick, died, lost a job.

The wrong renters, tenants in the Maine home that just don't care can trigger a foreclosure. Don't want to move either. To be out on the streets again looking to crash and trash another pad. To make it too look ridden hard, put away wet. That nobody wants the keys to the front door if you gave them to them for free.

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Maine Soap Box Derby State Race June 14th, 2014.

The state race for the Maine Soap Box Derby is in Houlton Maine.

This down hill gravity racing car program marks our nineteenth year anniversary. The Houlton Maine local was the largest soap box derby race fives years in a row for the country, is June 14th, 2014. soap box derby racer photo

If you are a Maine business consider, consider sponsoring a race car.

For boys and girls 8 to 17 to learn the "Thrill Of The Hill".

To build a stock, super stock or masters race car. Reading easy instructions will all the kit ingredients for down hill fun.

To put it together, handle the tools, what they are named and do. For the hands on building a car.

To race down the engineer course in Houlton Maine's Community Park. To take part in the racing fun of the Northern Maine Soap Box Derby racing program. Tech, trial runs this year are May 17th.

Having a a paved hill built from scratch, specifically for racing kit cars means Maine derby racers are safer.

No neighborhood traffic to interfere when a public street is taken over. Shut, closed off. And wearing out the local soap box derby crew that has to set it up, tear it town.

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The Many Roles Of A ME Real Estate Agent Or Broker.

When you have a job to do the longer you do it, the harder you work, the better you get in Maine real estate sales.

And along the way of helping customers, providing service it is more than just do a good job. Educating about the what is going to maine land photohappen, take place. It's critical to avoid Maine real estate buyers and sellers jumping ship. Not getting to the closing on time. Or at all.

When you understand what a medical procedure, operation involves, there can still be some fear.

But less worry happens when you are involved in the process. And it is explained what the problem is, the various ways to fix it.

And why we all in the room, you the patient included picked this remedy. As the course of action to fix the ailment. Make it all better. Arrive all together at the same place, solution. Hopefully.

When your Maine real estate buyer or seller is kept in the dark, it only causes confusion.

What's happening? Jumping to the wrong conclusions from lack of information, not enough communication is a scary, needless place to go by themselves. Pick up the phone, email,  text, visit them.

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You Found A Maine Home, But You Have One To Sell First?

You found a Maine home you are some kind of excited about, want to move, relocate to as quick as possible.

But the one you already live in, are paying for has to be sold first. How do you get the new Maine home of your dreams available now but not have to struggle with the juggle of two houlton maine home photohouse payments?

If a property bridge loan and carrying two places while waiting for one to sell is even a financial option for your pocketbook.

Timing in life is everything.

To expect the seller of the new Maine home listing to just park it, wait for your place to get staged for the market and sold is not realistic.

Now that porperty owner is waiting on two places to sell. Yours, then his. It all takes time. That mortage loan underwriting process if a Maine bank is involved usually eats up to eight weeks alone on the first home sale. Before the "next" is hollered.

The Maine real estate seller rightfully reasons what if a buyer comes along waving cash, I should not ignore, put him off right?

 If  a home purchaser who already saw the place before his "gotta sell my place first buyer" comes along.  Any buyer that is ready, willing and able at the price and terms, conditions a seller agrees to is the goal.

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Puttering, Vacationing Up At Your Maine Camp.

The daily grind where you hang your hat, raise your family, chasing the dollar to make a living to advance your career.

Folks in those circles would be surprised to see the other you up at the Maine camp. Where you may not shave for a week. Dress spring flowers photowithout the Windsor knot, the hustle wearing the pin stripe suit.Your have a hammer in your hands. Swing an axe for splitting fire wood. You are quite the cook.

When you are at the Maine camp in the woods, on a lake, the ocean or on some acreage, you use skills not usually tapped.

Called for up at the place you spend most of your down time.

Retirement at the Maine camp property could be a real possibility. But the real use of the place is for a change of the backdrop.

A safety valve release.

An insurance policy. For when stuff gets pretty intense, overwhelming. Or you just look forward to heading to Maine with the family. Maybe sporting buddies, work partners in the use rotation. Who all just want, need a break from the daily grind, routine.For a little group therapy around an open fire. Sitting and nursing something hot, ice cold on the front porch.

The memories, talks had at the Maine camp with your family and friends, sporting comrades. Are one important method you find direction in your life journey. The processing of the day to day to gain understanding. So you can add in the essentials that need to be there that may be painfully missing.

Maine is four seasons, has your camp in the woods, on the water, by the river. Ready, willing, waiting. That can be bought easily with owner financing terms and next thing you know it is paid off. Free and clear happens.

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Retirement, Relocation To Maine, You Should Be At A Lake Property.

Retirement, you've earned it, done your time and now relocation to Maine in the cards you are about to lay down, play.

With thoughts of park me next to a Maine lake. Waterfront in Maine property listings are low cost, plentiful. Create the perfect setting, back drop for the Golden Years to relax, not work.

For grandchildren to go fishing with Grampy and hear stories about their parent when he or she was a little kid like them.

For the cousins, neices and nephews to all get together around camp fires for more stories, family history.

And to share big maine lake home photospreads of home made food around the outdoor picnic tables.

Made with secret, handed down family recipes by Grammy.

Full time Maine lake living is one option or if you just don't want to grab the handle of a show shovel ever again, don't reach for it.

Go ahead.

Be a snow bird.

Head to the sunny South or Southwest winters and spend 75% of  your time on a Maine lake fron home deck.

Looking out over the swimming area sandy beach at lots of picture perfect sunrises, sunsets.

Walking down to neighbors to visit for coffee, other refreshments. To sample that coffee cake, have a burger, some BBQ chicken.

To kayak, canoe, enjoy wildlife, the outdoors that Maine waterfront property listings aford oh so so well.

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Watching The Television Real Estate Show | A Victorian Out Of Maine Home Tour.

The Victorian, outside of Maine home real estate show property is termed a steal at $860,000. 

The buyers of the west coast home listing keep the camera rolling. Let us be voyeurs. To shadow them through the post purchase renovations. That cost, peel off an extra $75,000 of currency to remove the sharp edges, rough spots.

With many Victorian home improvements made but lots of surprises along the way. maine farm scene photo

Oh oh's that damper, replace the original oohs and ahhs. The rip out renovations of the home, property lising uncover surprises that can not be ignored.

Needs addressing and strain, tap into the above and beyond to do list.Whittled down, that gets shortened. The scope of the updates reworked, cheapen, put on hold. To divert funds to the unknowns that creep into the rebuilt, make over.

To feather the nest and make it uniquely home sweet home.

Watching the show on cable, the big flat television screen makes me glad I list, sell Maine homes with lots less zero places. Just as much house, way way more ground, lawn, space around it too.

In the real estate show, the home in California buyers exclaim how hop up and down happy, escatic they are about the back yard.

We are spoiled in Maine with acreage, open and wood space with no people. Like some places where it it busy, like ants hurry scurry. And packed tightly making it hard to even turn around without being at the end of very small property space.

 

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Financing Your Maine Home, Lots Of Bank Mortgage Options.

We don't just list and sell Maine homes, but when folks think about an agent, a real estate broker, thoughts of just peddling houses come to mind.

With Maine land, owner financing or cash seems to happen more because banks are not so cranked to make dirt loans. 

They can not sell those mortgages. Package them for maine home photoinvestors on the secondary market. For folks to buy into a piece of the paper on the Maine home mortgage loan.

But homes loans in Maine, financing a house, lots of flavors to consider.

The VA, Maine State Housing First Time Home Loan Programs are all worth scoping out.

To see how well they fit your income level, financial situation.

Making sure the Maine home and house loan are a match.

Can work together. Fit the home in Maine you plan to buy.

Because the pickier the bank lending program for a Maine home loan, the harsher the eagle eye scrutiny of the sticks and bricks, regulations, underwriting that needs a mortgage clear to close approval report card grade.

Lots of layers of thick paperwork documentation associated with getting the lowest Maine bank home loan interest rates.

Your hand will be tired from application scribbling and formal signing at the Maine real estate home mortgage closing. But it is all worth it to stop renting, start owning what's over your head, surrounding you for four walls.

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You Travel To Maine To Look At Real Estate.

Traveling to Maine to look at real estate property listings.

You do as much online as possible and have studied blogs, videos, websites. But unless buying Maine real estate sight unseen in person, the trip north comes into play.

Calculating the driving mileage distance to Maine property listings. Because there is something about standing foot inside the Maine home. Walking the lot or acreage surrounding it. maine kids splashing photo

And right along with the drive time to view the property for real even though videos are the next best thing, what about Maine weather?

Mixing in a little pleasure for a Maine family vacation.

So getting up to speed on current events, what's happening depending on the season.

Or for that matter, tell me all about the Maine climate while we are at it. Because tramping in the wrong weather could mean a day or two the other way than planned might be more productive. More enjoyable to cover more ground.

And once we come this far to get to Maine, it is not a day trip. Where do we stay, get a motel room, etc for the couple days we spend looking at listings? Spill the beans, give me the options to figure out where me, the rest of the family sleeps when someone yells lights out. Until another day touring properties on the market, for sale in Maine.

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Listen In, Eavesdrop On Maine Real Estate Broker Conversations?

What the grapevine says about Mooers Realty, a Maine real estate broker.

We make it pretty plain up front we don't like blowing our own horn . Prefer to let others do that talking.

But as much we like to just work hard providing the best level of Maine real estate service possible, part of the marketing of your brand involves Maine real estate office testimonials.

Recent comments grading our Maine real estate performance.maine lighthouse nubble photo

"Andy Mooers is an excellent Maine REALTOR.

He knows his stuff when it comes to Maine real estate and Aroostook County."

"Andy went well above and beyond to help us get into our dream Houlton Maine home.

I highly recommend Andy as he and his secretary Robin go the extra mile to make sure you are a satisfied real estate client." - Amy Hayes Carmichael

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High Property Taxes, Too Much Regulation Makes Buyers Pick Vacationland.

Daily the emails, phone calls and office visits to our Maine real estate agency have revolving common themes.

The out of state property buyer had had it up to here, there over a couple issues. Too high property taxes and feeling down country they are out of control. No ceiling or end in sight. brochure-ad mooers photo

And two, right along with those increasing taxes on their properties layers and layers of regulations.

 Permits for this, that and much you can not do with your highly taxed out of state real estate.

Code enforcement officials all over the place where they want to leave.

Selling their home and looking for a new one in Maine. Whether existing or building from scratch.

 And a third pleasant surprise happens on the spending side of their decision making to list there, buy a property listing in Maine.

 Car insurance in the 4th lowest crime area, where Northern Maine is half that pretty amazing statistic is often two third's less here.

Why? Less people, fewer accidents, easier times on the roadways in Maine that are in great shape. Any time of season.

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Whats Hot, Trends In Northern Maine Real Estate Buying.

What the Northern Maine real estate buyer asks for, scribbles on their must have, don't want list for properties.

 Making a living as a luxury broker in Northern Maine would mean the Maytag repair man experience. You don't have the jet set for buyers of properties in Aroostook County. Or northern Washington, Penobscot or Piscataquis Counties either. 

The property features that get asked for, move listings in maine lake log home photoNorthern Maine revolve around lots of land.

The more the better. Bigger lots, acreages or hectares.

Fields, woods, waterfront with major views.

Maine log camps, homes in cedar and pine next to the waterfront.

Native woodwork interiors. Are tied to privacy, peace and quiet. Ease of care, low maintenance. Offering plenty of good opportunities for four season outdoor recreation no matter where you are in Maine, a rural state.

Right from your door step. Whether waxing for the correct temperature, strapping on winter cross country skis slide, glide.

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