august real estate review

ONLINEWE’RE www.MaineHomeseller.netTO ADVERTISE in this booklet call 1-800-482-0759

Connecting you with your community

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LEWISTON COLONIAL

LEGACY REALTYNorm & Denise Brodeur • 376-4830

BELANGER REALTYTerry Hewitt • 240-9196

THOMPSON LAKE

GORGEOUSYear round home offers,wood & tile floors, stone

fireplace, 3 or 4bedrooms, HUGE customkitchen and dinning area,large master suite, 2 fullbaths, expansive water

views, patio & deck area,tar drive, sandy waterfront

on pristineThompson Lake.

$375,000

ALMOST NEW!OUTSTANDING

Colonial! Kitchen &Living Room with openconcept. 4 Bedrooms,

1.5 Baths, Garage.Farmer’s Porch + Deckon back. Easy to finishDaylight Basement. AMUST SEE HOME!

$179,000NORM 754-6060

A complete guide to homes, rentals and real estate in Central Maine and the surrounding area

August 2012

2 Real Estate Review August 2012

207-344-3250

195 Center StreetAuburn, ME 04210

Reduced $250,000 Reduced $349,000

Just Listed $150,000 Reduced $214,900

Multi-Fam $112,900

Lewiston $329,900 W. Auburn $329,000 Reduced $260,000

Walk to SchoolHigh ceilings, 3 fps, expandedkitchen & old-fashioned pantry.Newer boiler, roof & siding &fresh paint. Big value per sq ft!

In-Law ApartmentMaple/ss kitchen w/pantry, master ste, bigdeck and farmer’s porch. Apt. over garage

w/balcony, all ss appliances. 4+ private acres!

Year-Round Living!A pond view from every room!New roof, fresh paint, 2 full

baths, gas fp & hw !oors. Sandybeach & dock on a double lot.

Rural ContemporaryImpeccable 4-bed, 3.5 bathw/master ste., great room,

tile/maple !oors & gas fp. Newcarpet, lighting & ss kitchen!

No Name PondGranite/maple kitchen, gas fp,master suite. Deck, in-groundheated pool, 3-car garage.Deeded rights to pond.

Don’t Just Drive By!Private, well-kept ranch w/newroof, deck & ss appliances. Fin.walk-out bsmt. 1,782 sf insul.& heated garage for 4+ cars!

19-Acre Gentleman’s FarmPicturesque gambrel w/viewof Lake Auburn. Nice kitchen,deck, heated pool, 2 barns &paddock. Motivated Sellers!

Poland RanchOpen-concept w/cathedralceiling, 3 beds, 2 baths. Cov-ered front porch & big yard in

natural, private setting.

Gorgeous Double Lot--Walk to Bates!Unique exec. ranch w/many updates. HW!oors, built-ins, rec. lighting, 2 fps. Formaldining accesses great deck! Must See.

Just Listed $269,000

Adorable!Updated kitchen and bath,deck and nice yard in this 2-bedroom ranch in New Auburn.

New roof, too!

Country Living Near TownThree-bed w/tin ceilings, hw!oors, 3-season sunrm, two 2-car garages, 4+ country acres& stone fences. Take a look!

To Be BuiltCute 2-bed ranch (or other de-sign) on pretty lot close to golf& amenities. Easy commute to

Portland or Augusta.

Anasagunticook (Canton) LakeYear-round chalet w/100’ oflakefront. Open-concept, bigview windows, 1st ! master,cathedral ceiling, deck & dock!

New Auburn 3-UnitWell-kept units, plus 3-cargarage & 3-story porch. Newboiler & windows. Walk toshopping & restaurants!

Reduced $103,000 Reduced $164,900

Custom $150,000 Waterfront $225,000

Poland ContemporaryStylish home w/cathedral ceil-ings & picture windows. Customtile/granite kitchen, fp, deck &landscaped yard. Great location.


Established NeighborhoodStately Colonial features lovelyinterior, lighted tennis court,

screen porch, "n. walk-out base-ment. Extra buildable lot!

Reduced $350,000

Androscoggin River Frontage!363’ of river frontage + dock & ATV trail. Bigkitchen w/cherry cabinets, master bed &

bath, fam. rm w/wet bar. Space over garage.

Just Listed $115,000Edgewood End Unit Back on the Market!Cathedral ceiling & oak kitchen w/all appl.Newer bath, carpeting & paint; Rinnai heatsys. Private patio w/motorized awning.


Remarkable Auburn CapeGorgeous home with nice

kitchen, 1st ! master, 2 fps &beautifully "nished basementw/kitchenette. Patio & gardens.

Custom KitchenSpacious raised ranch

features granite/stainlesskitchen, fam. rm w/"replace& wet bar. Heated pool!

Reduced $219,900


Waterfront $359,999

3Real Estate ReviewAugust 2012

681 Sabattus Street, Lewiston

Norm & Denise Brodeur(207) 376-4830Broker/Owner [email protected]

PRICE REDUCED! PRIVACY W/IN CITY NEW HEATING SYSTEM!

EASY ACCESS TO I-95

Expandable cape-style condow/2 Car Gar. Spacious eat-in kitchen,1st fl. master. 2nd fl. insulated& ready to finish! MLS #1027659NORM 754-6060 $149,900

NEW LISTING

Neat & clean Cape w/vinyl siding,replacement windows, living rm.w/pellet stove.Two 1st fl. BDRMS. Updatedkitchen. Unfinished 2nd fl. w/extra BDRMS!MLS #1061242 NORM 754-6060 $69,700

Updated 3 BDRM. Condo w/1.5 baths. Lotsof cabinets in eat-in kitchen. Laundry room& private deck + Garage. Good sized rooms& easy commute to everything! Very nice home toshow! MLS # 1033718 NORM 754-6060 $103,900

Beautiful 4 BDRM home w/ pool,2 decks, patio & sunroom!! Lotsof updates.Amazing landscaping,large lot! MLS #1058108JOSH 240-9266 $227,500

BUILT IN 2010, Gorgeous HDWD flrs.,fully-applianced kitchen, w/GRANITEcounters! 2 full baths. Daylight basement.Deck. 2 Car Gar., all on +-1.75 ACRES! MLS#1056758 NORM 754-6060 ONLY $159,900

Ranch w/many updatescompleted. Well-maintained homew/3 BDRMS. Newly insulated!Move-in condition! MLS # 1041434DIANE 754-5200 $118,500

Dodie 423-4486

Josh 240-9266

Laura 333-2321

Diane 754-5200

Tracie 577-7937Brian 713-1618

Gloria 418-7568

CONDO W/GARAGE

Stephanie 402-8400

DOWN PAYMENTAND CLOSING COSTS

DOWN PAYMENTSYour down payment is a percentage of the value of the house you want

to buy. The exact percentage depends on the requirements of the lender for thetype of mortgage you choose. In order to qualify for most mortgages you will need adown payment between 3-20% of the price of the house.

Closing costs usually range from 2-7% of the property value.

You may be required to have private mortgage insurance (PMI) if your down paymentis less than 20%. Private mortgage insurance protects the lender if the mortgagegoes into default.

CLOSING COSTSYou will need additional money for closingcosts. These costs vary by region butgenerally range between 2-7% of theproperty value.

Closing costs include points, originationfees, taxes, title insurance, financing costsand items that must be prepaid or escrowed and othercosts. You will receive a written estimate of these costsfrom your lender after you apply for the mortgage.


Is there anywhere in the world better than Maine in the summer?Not for me! Clean warm air, blue skies, beautiful !owers and the smell offreshly mowed lawns. Trips on Casco Bay, or Sebago or the multitude ofother outdoor options to please any taste – yes, this is truly the place to be.Make no mistake; spring and fall aren’t too shabby either. Even winter canbe enjoyed by the young and the young at heart. Maine is so great we caneven tolerate mud season!

You may be asking yourself right about now “what does all this haveto do with real estate?” Well, let me tell you – just about EVERYTHING!Home ownership is the very foundation of our communities; how wemanage our schools, our local governments, our entire infrastructuredepends on individuals who are tied to their community.

While at the REALTOR® Rally to Protect Home Ownership one of thespeakers made a comment that drew a universal cheer to the statementthat “No one aspires to be a tenant”. Truer words were never spoken. Acommunity is built by individuals that come together to exhibit pride ofownership in their homes and an abiding spirit of cooperation to ensuresafe environments for our children and our elderly. Having a place to callyour own is a big part of the American Dream. A sense of permanence andbelonging to something bigger than yourself.

We have a tremendous opportunity forownership – right now! Interest rates continueat historic lows, there are available homesfor sale and for sellers; there are buyersgetting quali"ed for mortgages everyday!It‘s a win-win situation!

Not sure if you are ready to buy or sell?Call a REALTOR® today!

This message brought to you by:The Androscoggin Valley Boardof REALTORS®

Summer in Maine


www.foxrunhomes.comA Clayton Five Star Customer Service Awardrecipient given for consistently achieving the

highest levels of customer satisfaction!

1286 Sabattus Street, Lewiston

2008 Marlette, 16x76, 2 large bedrooms, 2 baths,like-new condition with many options! Set up atFox Run Residential Community.

New 28x52 Marlette, Hearthside, 3 bedrooms, 2 baths, allsheetrock, 5/12 residential roof pitch, gas !replace with "atscreen TV, oak cabinets, dishwasher, disposal, refrigerator,stove, built-in oven, 8x12 deck. Room for single car garageand many other options and upgrades. Setup and waitingfor you at Fox Run Residential Community.

$84,900$54,900

New 14x64 Marlette, 2 bedrooms, 1 bath, fully appliancedincluding dishwasher and disposal. Oak cabinets, manyextras! Includes complete setup with front porch and deck.To be setup at Fox Run Residential Community.

New Marlette, 24x52 Pendant all-drywall home.3 bedrooms, 2 baths, fully applianced including dishwasherand disposal. Oak cabinets, fully loaded. Includes completesetup at Fox Run Residential Community.

$49,900$79,900


Rainbow FCU Main Office381-391 Main St. Lewiston

784-5453

Mechanic Falls Branch1 Lewiston Street, McFalls

346-3001

South Paris Branch172 Pine Street, So. Paris

743-5410

Auburn Office20 Washington St., Auburn

207-883-0351

Federally insured by NCUA

4 conveniently located branches to better serve YOU!

ARE YOU LOOKING TO...Buy aNewHome?

Refinancean

existingHome?

At Rainbow, “We are here for you!”Let us see what we can do for you.Call for a mortgage appointment

or apply online!

784-5435 207-783-0351

PREVENTING FORECLOSUREOnce you're in your new home, you'll need to make your monthly mortgage

payments each month and on time.

If you don't make your mortgage payments over a period of time, your mortgagelender can foreclose on your house. Foreclosure means that the lender takes thetitle to your property for nonpayment and sells the property to recover the amount

you owe the lender. As a result of foreclosure, youwould no longer be able to live in your house and you

would lose all of the equity you held in your homeincluding your down payment.

If this happens, the foreclosure becomes part of yourcredit record. This may adversely affect your ability to

secure credit in the future.

Be sure that you understand the serious commitmentyou are undertaking when you decide to buy a home.

En Route ...Develop a savings plan to protect your investment inyour home. Financial planners usually recommendthat you save 3 to 6 months worth of expenses in

case you lose your job or become seriously ill.If you do foresee that you will have a problem making your monthly mortgagepayments, contact your mortgage lender immediately. Mortgage lenders will

work with you to avoid a foreclosure.


506 Main StreetLewiston, ME 04240

StreetMain506ADVANTAGE

Immaculate 2 bedroom home. Nearly maintenance free. 2 car garage, vinylsiding, enclosed porch. Great central location with many upgrades. $104,900

Lovely multi family home with three bedrooms in each unit. Wellmaintained with lovely character, tin ceilings and some wood floors. $142,900

3.3 Acres on Taylor Pond. Soil tested, Surveyed, Phosphorus test complete.Lovely buildable lot w/115’ of water frontage on Taylor Pond. $169,900

Bob Brickel650-8209

Ann Parker

ADVANTAGE

BROKER/REALTOR

506 Main StreetLewiston, ME 04240Cell: 754-7809

Direct line:783-8115 Ext. 225Email: [email protected]

Impeccable waterfront home that is your own retreat& vacation spot. Custom built w/quality throughout. Spacious& flowing large living room/family room, library area, fourseason sun room overlooking the Birches and water. Finishedwalk-out basement. Groomed & landscaped over six plushacres. Three car garage. Call for your private tour! $369,900

Affordable waterfront opportunity! Fishingon Jug Stream to boating on AnnabesacookLake. Cottage has new siding, shingles,windows and furnace. Can be combinedwith camp next door for investment andmoney making rental. $109,000

Great opportunity to own waterfront.Fishing and boating for the frontyard. Cottage needs work, but hasgreat potential. Metal roof, furnace& deck. $67,000

Absolutely stunning! Better than new - customizedwith stainless steel appliance, fireplace, formaldining and master suite to die for! Includes nearly2 acres with garage, shed and small barn. Deepback yard with fire pit area and so much more!!First time offered $159,000

Former electricians shop with so manypossibilities. Large overhead garage doorfor truck access and storage. Office spaceand mostly warehouse-type areas. Great forplumbers, contractors, and electricians etc.Convenient location and priced to go!! $29,000

Wonderfully updated & well maintained capein terrific location close to college, hospitals,schools & shopping. Hardwood & tile flooring.Huge deck to private backyard. Three bedrooms,family room in basement. New furnace. Readyfor immediate occupancy. $144,900

Wonderful cape in quiet desirable neighborhood.Three bedrooms, garage and nice back yard.Mudroom and enclosed porch add to the livingspace. Plenty of storage and economical tomaintain. A Great opportunity to get somethingbeautiful and affordable. $107,000

Extremely efficient passive solar home withbarn & 25 acres. Stone walls, hiking trailsand a recreation paradise only 20 mins. fromL/A. Hardwood floors, three bedrooms, plentyof storage, two story barn for your animals/workshop. Private, Gorgeous views. $179,900

Spectacular four bedroom cape in desiredneighborhood. New custom kitchen w/ Corian& gorgeous cabinets. Hardwood & tile flooringthroughout. Formal dining w/ sliders to hugeprivate yard surrounded by trees. First floorden/office, porch and garage. $164,900

Hiking trails to the lake with open fields andwoods. Your piece of paradise in this spaciousfarmhouse with full in-law apartment, barnand over 16 acres, all within minutes of town.Two porches, rear deck and extremely private.Ideal soils for farming. $259,000

NEW WATERFRONT

5 ACRES

OPEN CONCEPT

2 GREAT ACRES

LOW PRICE

GREAT NEIGHBORHOOD

CORNER LOTDEAD-END

16 ACRESNEAR LAKE

25 ACRES W/CREEK

AFFORDABLE

COMMERCIAL

NEW PRICE

WATERFRONT

MONMOUTH

WATERFRONT

MONMOUTH

Become thehomeowner youalways dreamed

of being!

8 Real Estate Review August 2012wwwCENTURY21-Advantage.com

506 Main StreetLewiston, ME 04240

Wendy Pelletier576-6369

[email protected]

Great large parcel of land! 15.57 acreswith 360ft of water frontage. 1.02acres on water and 14.55 on otherside of Hayden. Surveyed and soiltested. Build on the lake!! $79,000

• Buyer-Looking for a retirement home! Private ranch with agarage in the Greene and Sabattus area.

• Buyer-Looking for Ranch with 1st floor laundryand easy to maintain in Lewiston, Topsham and Lisbon area.

• Buyer looking for Worthley pond under $200,000.• Rent w/option, single family in Lewiston 2 bedrooms 1 !

baths. $950/mth

Do you have anestate to sell?Call to hear my

aggressive,out of the

box ideas!!

Beautiful cape with extra lot, nicelandscaping, fireplace, sunporch,many updates, wood stove, 2 cargarage. Move in ready!! $166,000

A true private waterfront getaway!Quiet, beautiful and relaxing. Includeseverything you need even a 17ftboat and a 13ft aluminum boat. Justpack your swimsuits!! $198,500

A charming home on a wonderfulcorner lot. This is a redesigned 2 sellproperty! 2-3 , bedrooms, wood floors,molded ceilings, new lighting, freshpaint throughout. New Roof! Skierstake notice! Casino Area! $99,000

Huge cottage right on the water! Lots ofwork has been completed recently. Amazingviews, lots of windows, beautiful sunrisesand tranquility. Upstairs could be dividedinto separate bedrooms. Fully furnished!!Antique 5 piece bedroom set. $159,900

Wonderful one owner home! OverlooksWorthley Pond & Mountains. Family room w/built-ins. ROW to amazing sandy BEACH &dock! Separate 2 car garage w/ overhead room.Nicely landscaped w/ gazebo. Septic is a 2Bedroom, 3rd bedroom used as guest. $189,000

Hartford, Canton Lake, 1.4 Acres, oneowner, 2-3 bed 1 bath. 100ft of waterfrontage, enclosed porch. There’sstill time to enjoy this lovely homethis summer! PRIVATE! $145,000

Remarkable one owner home! New finishedcherry and pine floors. 3 large bedrooms withhuge closets! New counters and flooring.Beautiful living room with fireplace and newlarge windows, and sun porch! $150,000

PENDING SOLD

S O L D

NEW

SOLD PENDING

WATERFRONT

S O L DBuyer Testimonial- “Wendy was great! It was one of themost trying and stressful times in our lives. After two anda half months and three different banks, we are finally in ourhome. Wendy and I talked everyday as she worked tirelesslyto get things done and give us updates. I would definitelyrecommend her to anyone who is looking for a real estateagent.” -E. Veilleux

Seller Testimonial- “Wendy works unbelievably hard and isso responsive! Selling a house is extremely stressful andshe was there for me through he whole processes. I wouldrecommend her to anyone who wants to sell their house.”-A. Bosse

“We were out of state buyers who never saw the house weeventually bought. It was ONLY due to Wendy that we werecomfortable every step of the way. Amazing lady and ahell-of-a real estate agent. Great Results, Personable, HighIntegrity” -G. and J. Mickowski

S O L D

“Wendy’s staging makes a house pop to show its potentialand brings out unique features of each home. Wendyhas great ideas for update of paint colors to get thehighest potential for selling your house. Well worth hiringWendy!!!” -V. Farina

Well maintained one owner home. Beautiful updated kitchen, maple cabinets, wood!oors, 4 bedrooms, 1 bath, 1 car garage with a lovely backyard and porch to sit on.

$127,000`


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Century 21 AdvantaRoy 754-6789ge • 506 Main Street, LewistonCentury 21 Advantage • 506 Main Street, Lewiston

5 BEDROOMS! FULLY RENTED

Well kept fully rented 3 unitin Lewiston. Features 3 cargarage, ample parking, niceyard, laundry hook-ups, porches& newer furnace. #1057487ONLY $119,900! Roy 754.6789

GORGEOUS 2004 CONTEMPORARY!

Beautiful *2004 *Contemporary inLewiston. Features 2 car attached heatedgarage, deck, patio, gorgeous hardwood& tile, fireplace, formal dining, central vac,*huge *bonus room above garage & more.A great neighborhood! #1051929. Only$222,500! Roy 754-6789

LOTS OF CHARM!

Cute & Cozy Cape in Paris. Metalroof, vinyl windows, garage, hugestorage shed, fenced-in back yard,updated kitchen & bath, 3 bed-rooms, porch & more! Low heatingcosts! #994601 PRICE REDUCEDTO $107,900! Laura 212-8633

Awesome *2009 *custom built Colonial in Auburnnear country club & turnpike. Offers approximately3,000 sq. ft., *5 bedrooms, 3 baths*, open concept,master suite, gorgeous granite counters &hardwood floors, 1stfloor laundry, porch & 2 cargarage. #1052073. *Only $269,900!* Call Lauraat 212-8633

AWESOME 2009 COLONIAL!

GORGEOUS MULTI!

Multi in Lewiston. Features2 bedrooms in each unit, updatedplumbing & electrical, 2005 roofshingles, some vinyl windows,hardwood floors, laundry hook-ups& more! #969446 REDUCED TO$89,900! Call John at 754-9492

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Cute Ranch in Mechanic Falls.Features 2 car attached garagewith breezeway, river views, patio,shed, nice yard & some updatesdone. #1042935 Only $110,000!Call Laura at 212-8633

Awesome Ranch in Sabattus.Features 3 bedrooms, new roof,windows, doors, paint flooring andmore! Partially finished basementand attached heated garage!ONLY $149,900! Call Laura212-8633

NEW LISTING!

62+ PRIVATE ACRES!

Rustic Cape in Turner. 62+ privateacres, farmer’s porch, 2-car garage,carriage house, landscaping, trails,pistol range, master suite, 4 bedrooms,4 baths, generator, finished basementw/ WWII bombers bar. #1031086 *Pricereduced to $249,900!*. Laura 212-8633

AWESOME 2006 CAPE!

Gorgeous 2006 Cape in MechanicFalls. Features 4 bedrooms, 3 baths,2.6 acres, 2 car garage, pool, deck,large rooms, formal dining room,hardwood floors & awesome kitchenw/ SS appliances! #1042915 Only$185,000! Call laura at 212-8633

NEW LISTING!

Cape in Lewiston. Motivatedsellers for this 2/3 bedroom cape ingreat neighborhood. Has big yard,attached garage, workshop, sunporch & newer furnace. #1057776ONLY $89,900! John 754.9492

Spacious Gambrel in Lewiston.Features 5 bedrooms, new furnace,pellet stove, double living room,hardwood, garage, nice back yard &more! #1044942 ONLY $155,000!Call John at 754.9492

4 CAR GARAGE!

Gorgeous Colonial in Auburn.Features 4 car garage, deckw/ hot tub, 1 acre, hardwood& marble, huge bonus room,skylights, fireplace, security system,master suite & more! #1044253ONLY $250,000! Laura 212-8633

MOVE-IN READY!

Gorgeous Cape in Mechanic Falls.Features fenced in yard, garage,farmer’s porch, new furnace, new vinylsiding, new metal roof, hardwood,3 season porch & more! Move inready! #1046719 ONLY $119,900!Roy 754.6789

MOVE IN READY!

Awesome Colonial in Lewiston.Features nice yard, porch, 4 bedrooms,new pellet stove, formal dining & !finished basement. #1050365 ONLY$122,500! Roy 754.6789

RIVER FRONT!

Cute river front property in Auburn.Features hardwood floors, upd kitchen,formal dining, built-ins, deck, fenced in backyard & awesome water views!! #1049302ONLY $88,900! Laura 212.8633

RANCH IN GREENE!

Gorgeous Ranch in Greene. Features! acre, patio, landscaping, 3 bedrooms,1.5 baths & ! finished basement.Also offers newer furnace, shingles,septic & leach field. #1046223ONLY $134,900! John 754.9492

NEW LISTING!

NEW LISTING!

NEW LISTING!

WATERFRONT!

Awesome 4 season camp in Greene.Features 160’ owned wf on Sabattus Lake,gorgeous views, updated kitchen, new "bath, new flooring, new interior paint, hugeliving room w/ fireplace & more! #1039659ONLY $164,900! Roy 754.6789

Gorgeous Mobile in Paris!Features deck, 2 baths, shed, newflooring, ss appliances, mastersuite & more! Move in ready!REDUCED TO $68,900! #1025104Laura 212-8633

VERY NICE MOBILE!

Own your own business! Building w/ approx 4000 sq.ft. in Sabattus. Features approx 9 private wooded acres,2 kitchens, 2 wet bars, 2 dance halls, 3 bathrooms,gorgeous rock fireplace & gorgeous views of SabattusLake. Ideal for hall rentals, receptions, reunions, catering,flea markets & more! $155,000. Call Roy 754.6789

Gorgeous 2007 home in Auburn!Features 1/2 acre, 1 car garage,patio, 3 bedrooms, 2 baths & more.Nestled in a subdivision w/ cul-de-sac. ONLY $139,900! Laura212.8633

“Make the Right Move…Call Us Today! ”

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WANTS VERSUS NEEDSBefore you begin house hunting, create a realistic "shopping list" to narrowyour search and give you an overview of different properties. Looking for ahome can take time, especially if you have not focused on what is mostimportant.

Create a "wish list" and a "must have" list. Many people focus more on "wants"than "needs." As a result, they sometimes reject homes that perfectly meettheir needs in search of homes that meet their wants. That's not to say thatyou shouldn't try to get what you want – you should just be able to tell thedifference between what you really need and what you would like to have.

The following is a chart to help guide you in your search:

insert worksheet here

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11Real Estate ReviewAugust 2012View ALL MAINE LISTINGS at: www.eraworden.com

WordenWordenRealtyWordenERA

473 Center Street • Auburn, Maine 04210www.eraworden.com • [email protected]

Tim WordenB r o k e r / O w n e r

784-0159

1060593 A 3 bedroom, redonebath, all appliances, !replace,hardwood "oors, new furnace,

corner lot. $129,900Call Mary Ann

Rumford1060428 3 bedroom, 2 bath NewEnglander. Hardwood "oors, new

Buderus furnace, new roof,gorgeous porch. Central vac and

so much more!Call Sheila 212-7405

OFF TURNPIKE!1060467 Washington Street

gargae has 5-8 overhead doors,large paved lot, 3 furnaces,

3 of!ces. $219,000Call Mary Ann 577-2754

Worthley Pond1027249 7 room, 4 bedroom Cape with

30 acres and water frontage. 4 car(2 bays heated) with overhead apartment.

Call for list of amenities. $384,900Call Sheila 212-7405

1059568 A 4 bedroom,2.5 bath tri-level has family room,

!replace, garage with storageand big yard with patio. $154,900

Mary Ann 577-2754

Auburn1001262 4 bedroom has gatedpatio, fenced yard and "ower

gardens. $134,000Call Mary Ann 577-2754

Auburn1032562 3 bedroom, 2 bath hasapplianced kitchen with eat-atbar, family room, plus deck and

pool. Broker owner property.$125,000 Call Mary Ann 577-2754

Mexico1060603 Renovated Farmhouse/

Duplex. Barn, 2 story shed,1.15 acre, hardwood "oors. Liveon one side and rent the other!

Reduced to $119,900Call Sheila 212-7405

Dix!eld1058333 3 bedroom cape with

detached 2 car garage with addedcommercial-space. Now a salon.

$129,000 Sheila 212-7405

Rumford1058120 Meticulous 3 bedroom home

w/2 car detached garage. Stunninglandscaping and gorgeous home.

$175,000Sheila 212-7405

Auburn1041793 3 bedroom, appliances,

redone kitchen and bath plus 15 x20 room over garage. $114,900

Mary Ann 577-2754

1039575 Stately 4 bedroomColonial on acre of Auburn

outskirts near 4 SeasonRecreation Area. $99,900Call Mary Ann 577-2754

Peru1039358 170’ frontage on WorthleyPond. A year round 1989 Saltbox

3 bedroom home. Tons of glass, greatviews, skylights, cathedral ceiling,

.92 acre. $269,000 Call Sheila 212-7405

Rumford1059019 Gorgeous 4,000 sqft ranch on 6.48acres, new

furnace, windows, roof & siding,drastically cut by $99K. $225,000

Sheila 212-7405

Mary Ann Norcross577-2754

Sheila Delamater212-7405

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“HAPPY 49THANNIVERSARY

DICK”


HOW MUCH CAN IAFFORD TO SPEND?

For a general idea of your buying power, multiply your annual grossincome by 2!. For example, if you had a household income of $50,000,you might be able to qualify for a $125,000 home. The actual number maybe more or less, depending upon your individual situation, debts and credithistory.

You need to decide for yourself if you canlive comfortably with the amount of yoursuggested monthly mortgage payment.

However, mortgage lenders generally usetwo ratios to help determine how much youcan afford to spend each month on yourmortgage payment.

HOUSING EXPENSE RATIO

As a general guide your monthly mortgage payment should be less than orequal to a percentage of your income, usually about a quarter of your grossmonthly income. The percentage can change depending on the type ofmortgage you choose. However, there are mortgage productsavailable that focus solely on the debt-to-income ratio. Yourlender can provide more information on these types ofmortgage products.

DEBT-TO-INCOME

Debt-to-Income Ratio is the percentage of gross monthly income that goestoward paying for your monthly housing expense, installment debts, alimony,child support, car payments, and payments on revolving or open-endedaccounts such as credit cards.

Your buying power can be affected by factors such as your income, debt andcredit history. Your debt, such as credit card bills and car loans, and otherexpenses such as housing expenses, alimony and child support, should not bemore than about 30-40% of your gross income.

Some helpful hints...! Set a budget with your estimated mortgage payment. Make sure to include

taxes and insurance in your estimated payments.

! Remember your housing budget should include utilitycosts and a set amount for future home maintenance

and repair costs.

! Make sure you can meet your other financialgoals, such as saving for retirement and payingfor college tuition.

! Once you review your finances, select a mortgage amount thatallows you to reasonably meet your long-term goals and needs.


THESTEVE MORGAN

GROUP(207)689-9898

34 Center Street, AuburnStreet,Center34 Auburn

Steve Morgan754-2773

474-808+/- ACRES AVAILABLE!#1050151 Farmhouse & attached barn with

474 acres and 2 garages with apartments above!Many possibilities! Additional 334+/- acres may

be available. Call for price of all 808 Acres!$400,000

2 HOMES WITH LOTS TO OFFER!# 1056843 4 Bedroom 1600 Sq.ft. home with

2 baths, plus 2 Bedroom 2 bath 1344Sq.ft. rentalhome! Storage for 5 cars, deck, gardens, well

landscaped, and so much more!$285,000

POLAND FARMHOUSE#1060229 Beautiful 11 Room Farmhouse on

8 Acres w/ 2 story barn offering garage,workshop, family room, & game room. HeatedSunroom. Several heating sources. Great area!

$189,900

LEWISTON#1002156 This home offers 4 to 5 bedrooms,

2.5 baths, family room, hardwood and tile floors,central vac, 15X36 pool, hot tub, 2+ car garage,

all on 2.35 acres! Also, common waterfrontrights to No Name Pond.

$244,900

SINGLE OR MULTI - FAMILY#1059782 Can be used as a single or multi

family, new furnace & roof, hardwood floors,and separate 18+ car paved parking lot that

gives an additional $5400 of income!$130,000

BEAUTIFUL YEAR ROUND LOGHOME ON LITTLE SEBAGO!

#978420 4 Bedrooms, 1.5 baths,1 car detached garage, & porch to enjoy the

view. Swimming, water skiing, jet skiing,sailing, and much more! $469,900

2009 3 BEDROOM RANCH ON 1.5!#1023592 Mountain views, deck over

looking back yard, farmers porch, 2 car garage,stone walls, and easy commute toAuburn/Lewiston and Oxford Area.

$100,000

AUBURN#1030778 3 Bedroom 1 1/2 bath Split Entry

with 2 car garage. Private backyard and deck,close to turnpike and country club.

$150,000

CLASSIC 3 UNIT#1062935 Nice neighborhood. Mostly

rehabbed in 2006. Large apartments withgood rents! A must see!!

$185,000

LEWISTON MULTI#1052157 Nice 4 Unit in quiet area

with newer furnace and great income.$159,900

COMMERCIAL#1050321 Operational Sauna/Bar/Gameroom

with 3 efficiencies above.$140,000

COMMERCIAL#986877 Currently 6 bay car repair

facility with good visibility. 2 lifts, 6 overheaddoors, office, waiting area, city water

and sewer, and new roof.$250,000


970 Baxter BoulevardPortland, Maine

Go to www.mainehomesearch.comfor more info and pictures.

Dawn Belisle-Marston• office - 553-7318• cell - 939-2827

Move in condition!New white kit, pineflooring, 3 bdrm, brickhearth w/ wood stove,new roof, windows,siding. Qualifiesfor RD & FHA! MLS#1048734.

$167,000.

Large split w/ 3 bdrm,1.5 BA, family rm,new windows, roof &siding. Pretty sunroomw/ large deck. 2 cargarage on .85 ac. MLS#1038310.

$149,900.

NEW GLOUCESTER

SABATTUS

REDUCED

LISBON: Move in ready 3 BR, 2BA ingreat location near schools and RT 196.Totally remodeled with new kitchen, baths,daylight basement with bar. Re!nishedhardwood "oors. Gorgeous landscapingand garden spot. Irrigation system. Nota drive-by. Call Linda 207-837-1894MLS 1058771 $159,900

LISBON FALLS: Clean and tidy2 family with tin ceilings, hardwood "oors,large lot and "exible "oor plans, storageand porches. Third "oor has two extrabedrooms. New roof, electric and qualityreplacement windows. Plenty of offstreet parking. Call Linda 207-837-1894MLS 1059398 $139,000

LISBON FALLS: Motivated sellers!!Wonderful historic cape with ell ongorgeous 1.7 intown acres. 3 BR’s,2 baths. Large kitchen. Original widepine "oors. Fruit trees and berrybushes, garden spot. Two car garagewith loft. Call Linda 207-837-1894MLS 1023978 Reduced to $110,000

LIVERMORE: 18.88 acres. Could bedivided once without subdivision process.More lots a possibility with subdivisionapproval. Great lot as is with !eld areafor homesite near road and slopingwoods in rear. Deep lot. Wetlands infar back. Call Linda 207-837-1894MLS 1038473 $54,900

Linda J. Mason207-837-1894

141 Pleasant St. Brunswick, ME 04011 • 207-721-1000

Preparing YourHome for Your Move

1. Take the necessary steps to transfermemberships in clubs and organizations.

2. Inform creditors and credit companies ofyour change of residence.

3. Change your address at thePost Office

4. Notify insurance companies.Be sure to have propercoverage if you aremoving to a new state.

5. Notify the utilitycompanies of your newaddress for final billingand advise them of whichdate to discontinueservice: gas, electric,telephone and water.


WOULD A 1031 EXCHANGE WORK FOR YOU? Call JERRY

www.JerryDouglassRealty.com • www.JerryDouglassRealty.com • www.JerryDouglassRealty.com

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Serving the Central Maine area for over 30 Years

When You REALLY WantTO SELL OR BUY

Call (207) 782-2209


Poland HomeOne !oor living! 4 bedrooms,family room with gas "replace& attractive kitchen. Master

bedroom w/ of"ce & full bath.Central air. 6.5+/- Acres.

$129,000 Call Jerry

Geothermal SystemEnergy ef"cient heating& cooling. Family room with stone

chimney. TREX farmers porch & backdeck. Freshly painted inside & out!2 car attached garage & Oversized

detached garage. Call Bethany

Sabattus ColonialOffers 4 bedrooms, family room

with "replace, of"ce,1st !r laundry, security system

& 2 car garage. Attractive1 acre lot. Finished basement.

$269,900 Call Jerry

Auburn RanchNew Listing! 3 Bedroom home

with new energy ef"cientwindows. First !oor laundry

room. Screen porch overlookingnice backyard. Neighborhood

setting. Call Bethany


RICHMOND

11+ AcresSurveyed &Soil Tested

$40,000Call Jerry

Fully Occupied6 Unit Multi-Family. 100% Occupied

with long term tenants. Ample,paved parking area. Building is inexcellent condition - must see toappreciate! $190,000 Call Jerry

New England CapeFreshly painted, New Furnace

& New Windows! 1st Flr Laundryroom. Enclosed front porch

& 2nd screen porch overlookinglevel backyard. Well kept.

Priced to Sell! $54,900 Call Jerry

Lewiston CapeUpdated home with gourmetstove. Deck overlooks nice

backyard. Affordable 3 bedroomhome with low taxes! Intown

location, convenient to hospitals& turnpike. $48,000 Call Jerry

How To Buy APre-Owned Home

• Be sure to get your credit score before youshop for a house.

• Just because you’re approved for $200,000does not mean you have that much to spend.

• Don’t buy a house in a rush.


998-4516 Ext. 203 Cell: 207-240-9196EMAIL: [email protected]

Visit: www.TerryHewitt.comfor ALL current listings in Maine

TERRY HEWITT

BELANGER REALTY

Re!" E#t!t$ %&t' ( )&*+r+,- ./&,- 0 1i+2...Y34rs!

MaineinlistingscurrentALLfor

)&*(%&t'E#t!t$Re!" 0./&,-+r+,- 1i+2...Y34rs!TerryTerryHewitt

Visit: www.TerryHewitt.com for ALL current listings in Maine

THOMPSON LAKE & THE HEATHFish, boat, swim, enjoy this year round homewith 2.4 acres and 200ft of owned waterfronton the Heath, plus 147 ft of shared waterfront& dock on Thompson Lake. Home is !nished

in pine with cathedral ceilings, exposed beams,2 baths,3br,wrap around deck & balcony

$199,900

OXFORD CAPE WITH APARTMENTThis newly renovated Cape offers an in-law

apartment, wood and tile "oors, customkitchen with granite countertops, 3 baths,

wood stove, large deck, tons of space,all on a wonderful lot. EVERYTHING IS NEW!!

$239,900

WHITNEY PONDThis classic Maine Cottage on Whitney Pond

offers 4 bedrooms, large deck, wonderfulwater views, sandy bottom for great

swimming, woodstove, wood "oors, yearround access, large lot and much more!

$225,000

THOMPSON LAKE 17 ACRESONE OF A KIND!

This property offers 685+/- waterfront, 17 acres ofland, sandy beach, 3 bedroom, 2 bath year-round

lakefront Cottage, 2-car garage, large deckand more land available.

$699,000

THOMPSON LAKE2 car garage with guest quarters on Pristine

Thompson Lake. 8.3 acres of peace andserenity. 200 feet of deep water frontage.

2 huge decks, !eldstone !replace, tar drive,outbuilding, and much more.

A must see! $399,000

WHITNEY PONDThis Wonderful year-round Post and Beam home on

Whitney Pond offers screened porch, deck,3 wood stoves, wood & tile "oors, 2 baths,

cathedral ceilings, exposed beams, 1st "oor master,tar drive, huge garage, plus much more!

$300,000

THOMPSON LAKE BEAUTYGorgeous year-round home offers wood & tile "oors, stone !replace, 3 or 4

bedrooms, HUGE custom kitchen and dining area, large master suite,2 full baths, expansive water views, patio and deck area, tar drive, sandy

waterfront on pristine Thompson Lake.$375,000

THOMPSON LAKE CONDOThis quality home sits at water’s edge and offers custom kitchen with

granite, !replace, huge deck, sunroom, wood & tile "oors.Maintenance-free living on 86 acres, tennis and BBall courts, sandy

beach, docks and boat moorings.$300,000

THOMPSON LAKEThis East Shore 4-season cottage on pristine Thompson Lake offersexpansive water views, lots of privacy, level lot, sandy beach, open

"oor plan, 1.5 baths, huge wrap-around deck, 1 car garage. Short sale,motivated seller.

$299,000

THOMPSON LAKEThis quality built, immaculate, year-round home with expansive Thompson

Lake & Mt. views from almost every room offers 4 large bedrooms,open "oor, cathedral ceilings, 420 feet of waterfront, 2 dock

systems, HUGE garage.$475,000

august real estate review

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