realestatereview012012

we’re online www.MaineHomeseller.netTo adverTise in this booklet call 1-800-482-0759

ERA WoRdEn REAltyScott Robert • 576-3361

CharaCter throughout!

Connecting you with your community

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

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this home shows characterthroughout! 4 Bedroomhome with fabulous chefskitchen with stainlesssteel appliances, beautifulhardwood floors, exposedbeams, finished attic, privatedeck, Jacuzzi tub, fire pit,new roof, and so muchmore, a must see! $249,900

January, 2012

CEntuRy 21 AdvAntAGEAngie White • 782-2121

FlagstaFF lake

Beautiful newer home onFlagstaff lake. Wonderfulfinishes include wood & tilefloors, wood stove, vaultedceiling, spacious kitchenw/ center island. Summerand winter recreation onthe Appalachian trails andSugarloaf & SaddlebackMountains. $359,900

2 Real Estate Review January 2012

207-212-3025

195 Center StreetAuburn, ME 04210

Visit www.janjacques.net to see all Maine listings, or email [email protected]

Bates 325,000 Acreage $323,000

Privacy $375,000 Rumford $200,000

2-Unit $150,000

Just Listed $30,000 Poland $44,900 Charm 125,000

Gentleman’s Farm

Charming Gambrel w/farmer’s

porch, 4 beds, huge studio &

cherry/slate kitchen. Barn,

workshop, views & 9+ acres.

Country Contemporary on 5 Acres

Nicely appointed 4 bed, 3.5 bath w/master

ste, great room, tile/maple floors & gas fp.

New carpet, lighting & stainless kitchen!

Build Your Dream House!

Beautiful house lots avail-

able to fit a range of budgets

& lifestyles. Call Jan Jacques

& Co. today for details!

Well-Maintained Single Wide

Oak cabinets & all appliances,

gas stove, master suite w/extra

lg. tub, 1-car garage, work-

bench & shed on leased lot.

New Updates

New screen & front porches &

nicely updated kitchen w/is-

land. All appliances, w/d, plus

shed, too. View this one now!

Unique Contemporary

Open-concept w/birch & maple

kitchen, fp in dining & living

rooms, 1st fl master suite w/

whirlpool. Extra garage w/ lift!

Vintage Details

Cute 3-bed features hw floors,

tin ceilings, beadboard & French

doors. All appl., 2nd fl. kitchen-

ette, deck & metal roof, too!

Great Owner-Occupy

2 & 3-bed units w/big, sunny

rooms, hw floors & full baths.

New windows on 1st fl, Buderus

boiler, newer rubberized roof.

10+ Country Acres and a View

Gorgeous contemp. chalet w/cathedral ceil-

ings, pine floors, woodstove. Deck & 3-car

garage. Easy commute & close to recreation!

Great View! $324,900

West-O-Lake

Antique Cape w/6 beds, formal

dining, living & sitting rooms,

library & sunroom. Large barn

on 10 acres. Well landscaped.

Easy Commute from LA!

Lovely home w/maple & stain-

less kitchen & lots of extras.

Unfin. bonus room over garage.

Call Marnie DuBois 312-2125

Year-Round Waterfront

Charming 2-bed retreat.

Furnished, fully applianced

knotty pine interior. 60’ of

waterfront & dock included.

Live Here While You Build!

Imagine living on 13 acres with

a great view of Lake Auburn.

Three-bay garage w/living

quarters has septic & well.

Investment or Owner-Occupy!

Nicely renovated w/charming

interior. HW floors, new win-

dows, fresh paint. Ample storage

& parking. Zoned res or biz.

Spacious $300,000 Location $225,000

4-Season $145,000 View $169,900

Traditional Meets Modern

Lovely 1890 Greek Revival

home near Bates has 3 fire-

places, screen porch, new deck

over garage & new boiler!

Exceptional $365,000

Deck and Pool in Back

Handsomely updated Colonial

offers fam. room w/gas fp,

formal dining & living, master

suite & finished basement.

New Roof $265,000

No Name Pond

Cathedral ceilings, stone hearth & chalet win-

dows. Granite/oak kitchen & 1st fl. master.

Owned waterfront & shared beach!

Must See! $525,000Stunning Interior

Breathtaking home with gourmet kitchen &

fine details thru-out. First-fl. master suite,

family room, gas fp & 3-season sunroom.

Waterfront $325,000

LAND FOR SALEBuildable Lots in

Lewiston-Auburn Area$20,000 to $110,000

Newly Renovated!

Spacious 4-bed home has new

roof, oil tank, Buderus boiler,

windows & siding. Gas stove, all

appl., & wired for generator!

Log Home with a View!

Wonderful log home w/loft,

beam & cathedral ceilings.

Granite/ss kitchen. Wrap-

around deck & workshop!

Oxford $229,000

2-Unit $139,000

3Real Estate ReviewJanuary 2012

(207) 376-4830 681 Sabattus Street, Lewiston, Maine 04240

Norm &Denise

Brodeur

mINT mOVE-IN

POSSIBILITIES ARE ENDLESS!

YEAR-ROUND HOmE

DESIRABLE NEIGHBORHOOD

BAck ON mARkET!!

VERY LOVELY

LIVE IN STYLE!!

GREAT VALUE

“Beginning Traditions” DodieGagne

[email protected]

END UNIT condo w/ 3 BDRMS, 1.5BA. Fully-applianced kitchen w/ lotsof oak cabinets. Deck + 1 car gar.Spacious and comfortable! $105,000Norm 754-6060

3 BDRMS, 2 car gar., parking for+10 vehicles. Great location for yourhome/business. WORTH A LOOK!$89,900 Norm 754-6060

Large cape offering 4 BDRMS, 2.5 BA.1st fl. BDRM, formal dining room, fam-ily room. Full walk-out basement alllocated on a 2 ACRE lot!! $150,000Norm 754-6060

Economical to heat w/ 4 BDRMS, 2.5 BA.Large LR, kitchen, & DR. Master suite w/lots of closet space! 2 Fam. Rms. HDWDflrs. Large covered deck. Sits on a largelot w/ 2 car gar. $199,700 Norm 754-6060

Let tenant or in-law pay most of yourmortgage! GORGEOUS home & apt.UPDATED-don’t miss this opportunity!$285,000 Norm 754-6060

Large cape w/4 lg. BDRMS, (2 on1st fl.) 2 BA, located in a desirableneighborhood. Garage w/2 drive-ways. Large Deck. $129,700 Dodie423-4486

WATERFRONT w/10 ACRES! 3 BDRMS,2 BA, 4 season rm. Finished DaylightBasement, 3 car gar. & carport. $298,000Norm 754-6060

4 BDRMS, 2 BA, den w/ HDWD & tileflrs. Enclosed patio + farmer’s porchw/ garage. THIS HOME IS A GREATVALUE!! $115,000 Norm 754-6060

Straight Talk About Hardwood FloorsThe American Hardwood Information Center asked four top design professionals — akitchen designer, an interior designer and two architects about their choices for hardwoodflooring. And from the twenty or so most recognized hardwood species, here are somefavorites, plus insights on how each hardwood is used.

ASH — I like its natural tone, but I sometimes bleach it to make it look very creamy. Evenif ash is sanded smooth, its surface appears to have texture. I like putting ash on floors. Itaccepts finishes well and, with its consistent grain, is incredibly handsome in its naturalstate.

CHERRY — We choose cherry for flooring because of the color — a dark tone with areddish tint. For cabinetry, we’ve used it with insets — a mix of cherry and maple. I use itmore in cabinetry, though it can also be used for floors. You don’t stain it; it has a beautifulnatural hue. Cherry gets lighter with age, and can be damaged by sunlight. I’m careful notto put it directly in front of large sunlit windows.

HICKORY — Sometimes I use hickory on floors, instead of maple or oak. Its graining is special, giving a completely dif-ferent look.

MAPLE — It creates a hardy surface as flooring and is also very good for cabinetry. It can be used in its natural state and,because of its smoothness and tight grain, can be painted. We’ve made great-looking cabinets out of birds-eye maple ina natural finish. It’s really durable, and its surface is so hard it won’t absorb dampness. I’ve often specified maple for theinterior of kitchen cabinets.

OAK — Oak is the greatest. It has a pronounced grain and can be stained any color you want. And using oak is traditional,not trendy — like owning a pair of gray flannels.

WALNUT — When we have clients who want really dark floors, we always choose black walnut for its subtle grain andrich tone. Walnut works equally well for cabinets. “We often apply an opaque ebonized finish to cover the wood yet main-tain the grain.

Concerning bamboo as a design option, Pavarini says that “it grows fast but is not as versatile as hardwood.


NegotiatingTips For

Home Buyers

Negotiating Tactics to Use on the SellerIt’s like a debate. On one side are the seller and Real Estate Agent.

On your side, is your Real Estate Agent or property attorneynegotiating with the seller’s Real Estate Agent.

The rules of this game are:• The sellers must convince you that this house IS worth the asking price,

and you must convince them that the house is NOT worth the asking priceIf they have a savvy real estate agent working for them, the agent may showrecent selling prices of homes in the area, which is the most widely acepted guide topricing a house, along with reports of a property appraiser. But it’s not gospel, they mayhave more rooms or more amenities than the house you are buying.

• If the house is such a good deal, why hasn’t it sold yet?If the house you’re looking at is such a good deal, it would have sold long before you gotthere. If the house you are looking at is available for you to buy, you should question thevalue with the seller.

• Use high maintenance fees to your advantage.If maintenance fees are high, this could be a bargaining point for you to drive the price ofthe house down. Just remember, if you are about to walk away, chances are a dozen otherbuyers already have and the sellers are probably starting to panic. High fees can make theseller’s home difficult to sell.

• Start nit-picking.If the house has central A/C, check the air filter and if it’s dirty, it’s a good sign of otherpotentially undesirable issues you might find in the house. Think about it, if they areselling and did not spend the $2.00 to change the filter to make a good appearance, whatelse did the seller neglect?

• Other houses nearby sold for $300,000This is like taking credit for someone else’s work. While neighborhood pricing data isa good basis to start with, you need to convince the sellers that eaach house has itsown intrinsic value, and just because a house 10 blocks away sold for $300,000, this doesnot mean the seller’s house is worth $300,000. Also, just because other buyers paida high price for surrounding homes, does not mean it’s worth that much to you.


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

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

Terry HewiTTBelanger realty

Real Estate with a different point of view...Yours!

polandContemporary home full

of extras!$198,000

RoW to Whitneypond

Newly renovated Ranch.$150,000

RanGe pondGorgeous year-round

Home. $329,900

thoMpSon laKe57 acres, 685 ft of Sandy Frontage.

$880,000

RanGe pond200 ft. of waterfront.Gorgeous new home.

$639,000

thoMpSon laKe117 feet of waterfront.

Priced to sell. $265,000

polandNice home, 2 baths, on 3 acres.

$145,000

thoMpSon laKeWonderful year round homewith over 350 of waterfront.

$475,000

thoMpSon laKe8.5 acres.$449,900

polandRenovated home with

hay barn and horse stalls$175,000

thoMpSon laKeSandy beach on the East Shore. $349,900

CaSCoRecently renovated Cape full of extras. $139,700

noRWayQuality built Ranch in a

wonderful location.$229,900

noRWaySpectacular home with mountain views.

$299,000

MeChaniC fallSWhat a place! This home offers quality

throughout! $225,000


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


LISBONAttractive 3 bedroom Gambrel.Brick hearth & woodstove in liv-ing room. Screened porch & se-curity system. Nicely landscapedwith fenced backyard. DetachedGarage w/ storage space. PriceReduced - $160,000 Call Dot

JAYDuplex in neighborhood setting.Each unit has 3 bedrooms. Fullyoccupied. Owner has kept this

property well maintained, aMust See! $85,000 Call Jerry

AUBURNColonial currently used as 1stfloor office w/ 2 BR apt. on 2ndfloor. Signage can be viewedfrom Center Street. Central airconditioning, parking & new

gas-fired boiler. Priced to move!$138,500 Call Gary 576-3032

LEEDSLakeside cottage offers viewsand access to Androscoggin

Lake. 1 bedroom plus 2 bed loft.2.50 +/- acres & miles of nearbytrails to enjoy. Must see inside!

$250,000 Call Jerry

LEWISTONFormer Dental office with apt. on2nd floor. 2,276 sq. ft. Plenty ofpaved parking behind building.Located one block from CMMChospital. Great visibility & high

traffic count. $195,000 Call Jerry

RICHMOND21 Acres

1,333’ Road FrontageSurveyed & Soil Tested

$52,000

Call Jerry

JAYExceptionally well maintained6 unit building. Ample parking.Fully Occupied. Must see this

multi family to appreciate. priceReduced $190,000 Call Jerry

MECHANIC FALLSTwo bedroom home on .22

acre lot in quiet neighborhood.Garage & paved circular drive.

New metal roof, kitchen flooring& exterior rear steps Nov. 2011!

$49,500 Call Gary 576-3032

Tips for a First-Time Home BuyerBenefits for a First-Time Home BuyerYou should buy a home. That’s what you’ve been hearing from friends and family, right? So, bynow you have likely weighed the benefits and decided that home ownership is the best decisionfor you.

How Long Should It Take to Buy Your First Home?A motivated buyer will find a home within 2 weeks. Most buyers find a home within 2 days.Good real estate agents will listen to your wants and needs and arrange to show only thosehomes that fit your particular parameters. Your agent should preview homes before showingthem to you.

How Many Homes Should a Home Buyer See?The average number of homes a realtor shows to a buyer in one day is seven. Any more thanthat and the brain is on overload. Therefore, don’t expect to see 20 to 30 homes, although it’sphysically possible to do so, you probably will not remember specific details about any of them.

How a First-Time Buyer Can Rate InventoryBring a digital camera and begin each series of photos with a close-up of the house number toidentify where each group of home photos start and end. Pay attention to the home’s surround-ings. What is next door? Do 2-story homes tower over your single story? Do you like the loca-tion? Is it near a park or a power plant? Immediately after leaving, rate each home on a scale of1 to 10, with 10 being the highest.

View Top Choices a Second Time Before Buying That First HomeAfter touring homes for a few days, you will probably instinctively know which one or twohomes you would like to buy. Ask to see them again. You will see them with different eyes andnotice elements that were overlooked the first time around. At this point, your agent should callthe listing agents to find out more about the sellers’ motivation and to double-check that an of-fer hasn’t come in, making sure these homes are still available to purchase.


Affordable country living with three bedrooms and over an acre, yetconvenient to town. Enjoy low taxes and low heating costs. Gorgeous backyard with out-door fireplace, trees for privacy and great area. Two hugestorage sheds. #1023349 Call Ann Parker 754-7809. Offered at $83,000

Impeccable Cape on over an acre of landscaped grounds with privacy.Convenient to I95 and I295 on outskirts of L/A, Portland, Brunswick.Screened farmer's porch in front in front and 4-season sunroom in back.Expansion possibilities over garage. Quality throughout. #1027421 CallAnn Parker 754-7809. Only $199,000

Unique design and quality. An acre of privacyon the outskirts, yet convenient to everything.Fireplace in living room, fully applianced kitchenand first floor den and office. Attached garage andhuge back deck. Central vac, Jenn-air range, andmuch much more to add to your ease of living.#1035969 Call Ann @754-7809 $132,000

A most gorgeous colonial w/ ornate woodwork & updates that fit. New custom kitchenw/ breakfast nook overlooking private deck.Beamed ceilings, fireplace, master suite w/ bal-cony. 1st floor library, sewing room, den & somuch more! Truly exquisite. #1030305 Call Annfor your private viewing @ 754-7809 $239,000

Like brand new and immaculately kept.Three bedrooms, two baths, cathedral ceil-ings and lots of storage space, large deck toprivate back yard. Gorgeous master suite.Outside shed, quiet area. Convenient location.#1003562 Call Ann Parker 754-7809 $55,000

— LAND —

Private country setting. Onelevel living with 3 bedroom 2 bathopen concept home. Great big backyard with brook frontage. Greatto swim in on hot summer days!#1028628 $163,000

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CentUry21 AdvAntAge 506 Main street, Lewiston, Me 04240

Immaculate estate in same family for over100 years. Gorgeous character and woodworkw/wood floors, marble fireplace, formal diningroom, glass doors and more. Four bedrooms,office, garage. First floor laundry, utility room.Family has priced it to go quickly. Don't missyour chance. #1026336 Call Ann Parker754-7809. Only $134,000!

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Zach Blair240-8736

Ann Parker

"Your Reputable Commercial Broker"

ADVANTAGE

Broker/realtor

506 Main StreetLewiston, ME 04240Cell: 754-7809

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

fAntAstIC bUILdAbLe 14 ACre Lot on Nezinscot River, abuts BogBrook. With privacy, great location for your dream home or getaway.Two lots available. Motivated Seller! Only $34,000

nICe Lot wIth MAny oPPortUnItIes. 2.20 Acres in arural area. Extra land available. For just $22,900

beAUtIfUL 3.6 ACre PArCeL of LAnd with spectacular views.Lot is partially cleared. Great spot to build your dream home.All for$21,000

fAntAstIC bUILdAbLe 4 ACre Lot on Nezinscot River w/ privacy.Great for your dream home or getaway. Only 15 minutes to Auburn.$22,000

"I thank you for your businessand sincerely wish you and your

family a happy and healthy new year!"

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recreational retreat near Lake Auburn. Large Farmhouse, over 16 acresincluding fields, trees, trails. In-law apartment with separate electrical,laundry, private entrance. Main house has 4-5 bedrooms plus office andbarn. #1022124 For more details and exclusive showings, call Ann Parker754-7809 Listed for $259,000

new Colonial with over 20 Acres in a very private setting. Qualitythroughout w/ huge master suite, custom kitchen, home office & firstfloor laundry. Central vac, wood stove, lots of storage. More land avail-able. #1023397 Call Ann Parker 754-7809 FMI. Offered at $239,000


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Century 21 Advantage • 506 Main Street, Lewiston

SPACIOUS MULTI!

Two-Unit in Lewiston. Features3 bedrooms each unit, porches,nice yard & more! Needs someTLC. #1024363 REDUCED TO$69,900! Call John 754-9492

MAny UPdATeS!

Gambrel in Lewiston. Features4 bedrooms, new furnace, updatedkitchen, vinyl windows, convenientlocation & more! #1000291 PRICEREDUCED TO $110,000! CallLaura at 212-8633

Angie White,Broker/Owner

782-2121

GORGeOUS dUPLex!

Gorgeous Duplex in Sabattus!2-car garage, water views, vinylsiding & windows, character & charm,woodstove, laundry hook-ups & more!Currently owner occupied with $750per mo. rental income. #1007273ONLY $144,900! Roy 754-6789

Gorgeous Cape on 2.2 privateacres in Greene! Features 2 carattached garage, breezeway, deck,skylights, tile, 3 bedrooms, 2 baths,½ finished basement, gen transfer& more! #1024836 REDUCED$169,900! Call Roy at 754-6789

COZy CAPe!

“A Referral by You is Your Greatest Compliment To Us”

jUST RedUCed!

Gorgeous 2003 Doublewide inSabattus! Approx 1 acre, nice backyard, deck, 3 bedrooms, 2 baths,master suite w/ walk in closet,cath ceiling, open concept & more!REDUCED TO $99,000! #1026768John 754-9492

Gorgeous Colonial on 3.5 Acresin Norway! Features 10 rooms,5/6 bedrooms, 3 baths, garage,landscaping & porch. Walkingdistance to PennesseewesseeLake!!! #1025128 Only $225,000!Laura 212-8633

nORwAy beAUTy!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. #1031086ONLY $318,500. Laura 212-8633

TURneR beAUTy!

Turner beauty on 2 acres! 2 cargarage, plus oversized heated 3-cargarage, landscaping, mtn views, in-ground pool, awesome kitchen withcherry cabinets, tile, corian & ssappliances, open concept, cathedralceiling, master suite. #1030514ONLY $285,000! Laura 212-8633

new LISTInG!

Awesome 4 bedroom Cape inSabattus! Features 2.9 acres, landscaping,deeded row to Sabattus River, new paveddriveway, deck, 4 bedrooms, 2 baths, newpaint, new carpets, new furnace, updatedbaths & more! Move in ready! #1036406ONLY $159,900! Laura 212.8633

Gorgeous Ranch in Lewiston!Features new vinyl siding, nice.42 acre yard, garage, vinylwindows, updated kitchen & bath& more! Move in ready!!! #1004756ONLY $134,900 Laura 212-8633

MInT RAnCH!

LOTS Of CHARM!

Gorgeous home in Auburn.Features hardwood floors,fireplace, built-ins, double livingroom, newer furnace & windows,formal dining & more! Close toschools. #1022517 Reduced to$112,900! Mike 212-3684

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 $109,900! Laura 212-8633

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!

Multi in Lewiston. Location,Location! 2 unit with lots ofpotential. Work being completednow! Ready for owner occupyor investor. Offers Beautiful lot &garage. #1029327 Only $84,900!John 754-9492

LewISTOn MULTI!COUnTRy SeTTInG!

1997 Doublewide in Sabattus.Features 1.3 acres on anice country setting, 2-cargarage, deck, 3 bedrooms,2 baths & more! #1033402ONLY $85,000! Call John at754-9492

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

AweSOMe bACk yARd!

Awesome Ranch in Auburn. Features.74 acres, huge back yard, deck, shed,3 bedrooms, new interior paint & more!Move in ready!!! #1035230 ONLY$107,500! Laura 212.8633

GORGeOUS CAPe!

Gorgeous Cape in Lewiston!Features newer furnace, shingles& pellet stove! Also offers attachedgarage, fenced in yard, deck,3 bedrooms, formal dining & more!#956757 JUST REDUCED TO$104,000!!! Laura 212-8633

WOW! 2007 Custom Built in Minot on 5.8acres! Mountain views, 3-car attachedgarage, 5,750 sq ft, granite & tile, mastersuite with fireplace, family room with fireplace& 25’ ceiling, bonus room, security system,central vac, Quality & upscale!!! PRICEREDUCED TO $695,000!!! #1025085Roy 754-6789

MInOT beAUTy!

GORGeOUS CAPe!

Gorgeous Cape in Lewiston! Featuresnew paint, new shingles, new flooring,new lighting & new appliances!!! 3bedrooms, 1.5 baths, garage & 3season porch!!! Move in ready! ONLY$105,000! Laura 212.8633

TeamL’ItalienTL

JohnSullivan

RoyL’Italien

MichaelViolette

LauraDrinkwater

754-6789


Take A Bite Out Of Closing CostsHow to Save If You’re Buying aNew Home or Just Refinancing

As anyone who has shopped around for a mortgage knows, it’s extremelydifficult to compare one lender’s offering with that of another lender be-cause the upfront fees vary so much and are not guaranteed. Lenders canand sometimes do, add or inflate fees in the eleventh hour of a transaction.

The U.S. Department of Housing and Urban Development (HUD) has beenworking on regulations that promise to simplify the mortgage process andsave consumers as much as $1,000 off a typical mortgage transaction.When such rules will be rolled out, if ever, is still anyone’s guess. With noregulation in sight, borrowers should consider these strategies for keepingtheir closing costs in check.

Get friendly with your current lenderIf you’re looking into refinancing, the first call you should make is to yourexisting lender, who already has critical information about you and yourhouse on file. Since you have a relationship, a streamlined process mightbe possible. This can save you a lot of extra paperwork and money on ev-erything from application fees to appraisal fees.

Closing costs are certainly a consideration for both new loans and refi-nancing, but keep the big picture in view. It’s important not to lose sight ofwhat your first priority should be - getting the lowest rate possible.

The difference between paying say 6 percent and 5.5 percent on a newloan ads up to nearly $23,000 in total interest on a $200,000 30-year loan.If you have to pay a few hundred dollars in closing costs to get that rate,you can be assured it is a worthy investment.

It may even be worth it to pay a point up front in order to lock in the lowestrates. If you can knock your rate down to 5 percent on that $200,000 loanby paying an extra point ($2,000) up front. Consider that you will cut $62 offyour monthly payment and about $22,000 from total interest by going from6 percent to 5.5 percent, it makes sense as long as you plan to stay in thehouse long enough to recoup those upfront costs.

If you’re short on cash, you might consider rolling the closing costs intoyour loan. You’ll want to factor in how much more you’ll pay each month aswell as in interest over the life of the loan.


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• 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.


Shoppingfor a Mainehome issimple at

13Real Estate ReviewJanuary 2012View ALL MAINE LISTINGS at: www.eraworden.com

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#990741135 site waterfrontcampground with

620’ water frontage,and beautiful beach!

Live-in home!Owners Retiring.

$1,300,000Call Lorraine

754-6090

VERYSUCCESSFUL

GROCERY STORE#1010492 NearState Park andrecreation. One

Stop - shop,gas and more!Located on themain highway.

$1,100,000Call Lorraine

754-6090

3 Bedrooms#967997 2 Bath. New great room/sunroom, trek deck, windows, roof,

siding, kitchen with Corian counters,pellet stove. $175,000Call Barbara 240-9019

Beautiful Log Home#1033426 On 2.4 acres with an

extra large deck over a 2-cargarage, wood stove, stone hearth,near lakes and casino. $175,000

Call Maurice 576-3251

Auburn Condo#1032169 Easy life can beyours in this great looking

Auburn condo with 5 rooms,2 car garage in Granite Mills.

$178,000Call John M. 754-7847

Waterfront#1020543 One of a kind waterfrontproperty in Auburn. 9 room house

and guesthouse and barn on1.5 acre. $795,000 Call Barbara

240-9019

Great Investment!#1033489 3 units with 3 bedroom

units near the college. Leasedinto 2012 - gross $31,498 per year.

$100,000Call Maurice 576-3251

Farmhouse#1033226 Totally refurbished

Farmhouse on large in-town lot. 5bedrooms, 2 new bathrooms, hugenew kitchen. A must see! $124,900

Call Barbara 240-9019

Sabattus Pond#1037679 “4 bedroom Split, 2

baths on .95 acres with 157 feet ofwater frontage on Sabattus Pond.

$199,500Call Maurice 576-3251

Quality home/beauty shop

#1032211 BeautifulMaple Ridge area!New bath, jet tub,tile floor, 1/2 acrelot. Close to exit

80, in-ground pooland patio. Must

see to appreciate!$189,900

Call Lorraine754-6090

Dry Cleaning/Laundromat

#995616Successful Auburn

Dry cleaning-Laundromat

business propertyin prime location!

LDC Two business,two buildings or

purchase businessonly! $1,050,000.00

Call Lorraine754-6090

HIGH

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Barbara Mitchell240-9019

Maurice Rioux576-3251

John & Christine Marcous754-7847

Granite Mills Estate

Sellers: We need acreage for qualified buyers. Call 754-6090

“List with us; We make it happen”

REDUCED

NEWLIS

TING

GREAT

ROOM

AUBURN

LIkE NEW

NEW

LIST

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Matt RayTIM WORDEN

Owner/Broker754-6090 • 754-6091Dick

MurphyLorraineClavette

30+ Years of [email protected] • www.murphyandclavetterealty.com • www.businessbroker.net

Stunning Commercial and Residential Properties!


WordenWordenWordenRealtyWordenWordenERA

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

View ALL MAINE LISTINGS at: www.eraworden.com

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

784-0159

Mary Ann Norcross577-2754

HappyNEW YEAR

New Kitchen#1013230 with a new roof and windows in this 3

bedroom Ranch near St. Mary’s Hospital. $110,000Call Mary Ann 577-2754

Fairview Area#1023516Ranch has

air-conditioner,appliances, familyroom, both new

roof and furnace.$124,900

Call Mary Ann577-2754

Auburn#1032562

3 bedroom, 2 bathhas applianced

kitchen with eat-atbar, family room,

plus deck andpool. Broker ownerproperty. $149,500


SabattusLake Waterfront

#10220644 bedrooms, 2 baths,garage, appliancesand lawn at water’s

edge. $199,000Call Mary Ann

577-2754

Ranch On 5 Acres#1021587

3 bedroom, 2 bathRanch sits on 5acres near Lake

Auburn. Extras: 3 cargarage, workshopand screen room.

$299,000Call Mary Ann

577-2754

Auburn#1001262

4 bedroom hasgated patio, fenced

yard and flowergardens. $148,900


Fairview Area#1027089

3-4 bedroom- InFairview area at

end of street. Has 2baths, family room,new windows, deckand more. $169,900


Poland#1008315

2400 square footPoland home on over8 private acres, has3-4 bedrooms and 2

baths. $199,500Call Maryann

577-2754

3 Bedroom#1008510

step-down living& dining room,

fenced yard, deck,pool, tennis courts.

$309,900Call Mary Ann

577-2754

Possible Owner Occupied#1001532 3 bedroom 1st floor with (2) 1 bedroom rentals,

has new windows, doors, roof and more. $122,900Call Mary Ann 577-2754


WordenWordenWordenRealtyWordenWordenERA

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

View ALL MAINE LISTINGS at: www.eraworden.com

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

WALK TO SCHOOL#1002431 4 bedrooms, 1 1/2 baths,dead end street, fenced yard, pool ,

price to sell. $130,000Call Lori 577-7620

CLOSE TO TOWN#1033376 Country living close to

town. 3 bedrooms full basement onalmost an acre. This home needs

new family. $74,000Call Lori 577-7620

CASCO#1024374 Casco-14 acres $52,000

Poland#1026644 6+ Buildable

acres $25,000

Call Lori 577-7620

784-0159

RD

QuALIfIE

D

Lori Hart577-7620

LAND

Free Veterans Benefits SeminarFeb 4, 2012 • 10:00 am to 3:00 pm

American Legion Post 150, Mechanic Falls MaineEducation, Health, Housing Benefits

Sponsored by American Legion Riders Post 150 • Lori Hart ERA Worden Realty

Meet with other Vets, Learn about your benefits. Experts on hand from VA Togus, VA Lewiston Vet Center,American Legion, local colleges, mortgage lenders, therapeutic programs.

Come by and get your questions answered or just to meet new friends.

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.

16 Real Estate Review January 2012Visit: www.dotfernald.com to view Virtual Tours • Visit: www.dotfernald.com to view Virtual Tours

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473 Center Street, Auburn, Maine 04210

TIM WORDENOwner/Broker

ERA WORDEN REALTY

Privacy On 4.5 Acres!#1014868 4 bedrooms, 1 1/2 baths,built in 1967, large backyard, 2-cardetached garage with room above.

$119,900Call Scott 576-3361

Beautiful Year Round Home#1026398 On Sabattus Lake, on deadend street with an extra lot for garage,

stairs down to the waters edge withaluminum docks, double living room,

new kitchen, hardwood floors,a must see. $179,000

Call Scott Robert 576-3361

56’ On Taylor Brook#1008459 New kitchen, bath, furnace,

interior completely renovated, 3bedrooms, and more! $89,900

Call Kevin 740-4975

Private Back Yard#1035514 Home is located on a quietdead end street with a private backyard and large open deck. $99,000

Call Norm 754-6469

3 Bay Commercial Garage#1028281 Built in 2006! Each bay is40x40 with furnace, 2 bath. Also, a 2

bed apartment and extra large parkinglot. Perfect for any business! $260,000

Call Scott 576-3361

Waterfront Saltbox With A Sandy Beach!# 1926602 3 bedrooms, 2 baths built 2007,3 bedrooms, 1 3/4 baths, open floor plan.

Interior built 2009. Fully applianced kitchen.$199,900

Call Dot’s Team 240-0420

Tons Of Character#1034855 Offers 3 bedrooms, 1 3/4

baths, living room with fireplace,3 season room, garage, new roof,

excellent condition. $99,900Call Dot’s Team 240-0420

Large Home In Turner#1027075 A 1998, 28x66, 3

bedrooms, 2 baths, 3 large walk-inclosets, completely renovated. On a

private .74 acre. $99,000Call Dot’s Team at 240-0420

Large 2 Family#1027461 In a nice residential area,beautiful flat lawn to entertain, large

barn with storage above and below, amust see! $115,000Call Scott 576-3361

Breathtaking Views!#1029866 Open floor plan. 4

bedrooms, 2900 sq ft, deluxe kitchen,hardwood floor, built in 2008 and so

much more! $235,000Call Dot’s Team 240-0420

Lisbon- 2- Unit#1034825 1 unit is a 4 room and 2ndunit a 6 room. Vinyl windows, income

$18,600. Priced only at $59,900Call Dot’s Team 240-0420

Rangeley Lake!#1032515 A 4-Season Cottage, openfloor plan, 4 bedroom, 1.5 bath, 100’on Rangeley Lake with a beautiful

manicured yard! $450,000Call Dot’s Team 240-0052

Great Starter Home#1010705 Newer roof shingles andwindows 2+ bedrooms for $64,900.

Call Kevin 740-4975

Great In-Law Set Up#1035371 With shared water frontage

on Raymond Pond! Includes a 3bedroom colonial and a 2 bedroom

ranch with cathedral ceilings and a 2car attached garage separating both

homes. Don’t miss this one, priced wellbelow value, won’t last long! $235,000

Call Scott 576-3361

New Construction On 3.61 Acres!#1028056 Perfect location, private, andonly minutes from turnpike! Hardwood &

ceramic tile floors, carpet in bedrooms, ondemand heat and hot water, and a daylight

basement. A must see!! $149,900.Call Scott 576-3361

Waterfront Home#1015883 The 2nd floor was added about

10 years ago, porch the length of thehouse that is facing the water. The home

offers a newer kitchen, new flooring, and anew furnace, full foundation! $212,000


Nice Investment#1008242 3 unit property, fully rented!Vinyl windows, vinyl siding, updated

electrical. $94,000Call Dot’s Team 240-0420

Immaculate#1023905 Double Wide home on a

double lot; each lot has existing septicand leach field. $149,000

Call Tom 232-8250

Country Setting!#1031503 Custom kitchen, 3 largebedrooms, 2 baths, large 3-season

room, hardwood floors, new roof andfurnace! $169,900


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WORDENTIM WORDENTIMOwner/BrokerOwner/Broker

REALTYWORDENERA REALTYWORDENERA

“Doing Business with theTEAM that cares”

ScottRobert

576-3361

KevinBergeron740-4975

TomMathieu232-8250

NormLamie

754-6469

DebbieBosse

DotFernald

240-0420

LindaRuksznis730-2684

NEWLIST

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[email protected] • www.ERAWorden.com

2-Unit#1036890 3 bedrooms in each unit,vinyl siding and vinyl replacementwindows, nice location. $79,900


realestatereview012012

Documents

new roof

new deckover garage

new carpet

new windows

pine floors

new updatesnew screen

bed features hw floors

new windows