Wolcott Realty | Westfield Real Estate, Russell Real Estate, West Springfield Real Estate



929 Shaker, Westfield, MA 01085

Condo

$255,000
Price

6
Rooms
3
Beds
2
Baths
Ideal three bedroom condo with wide open floor plan. Lovely sun room opens up onto large wooden deck. The grounds are beautifully landscaped and well cared for. The gas fireplace is the focal point of the open living concept. The condo is located near Shaker Farms Country Club and the Columbia Bike Trail. Private setting yet close to highways for easy commuting. Call for showing appointment
Open House
Saturday
August 24 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 929 Shaker, Westfield, MA 01085    Get Directions




Moving into a new house will require a little bit of cleaning and the kitchen is probably the first place to start. You will want to get rid of the former resident's cooking smells as well as make it reflect your personal taste because you and your family will spend a lot of time. Here are a few tips on cleaning the kitchen in your new home.

  1. Clean the Oven and Stove - Take a look inside your oven, and if it’s needed, use an oven-cleaner. The solution should take about 20 to 30 minutes to work, giving you the time you need to clean the rest of the stove. Be sure to check under the hood and make use of a grease remover if the regular cleaners aren't working well enough at getting off the grease out. After cleaning the top and front of the stove, move it away from the wall and then wash its backside. You should also clean the sides too, as well as the front panel and temperature dials.
  2. Clean the Fridge - Having cleaned the stove and oven, you can now tackle the refrigerator. While likely cleared out by the previous owners, nevertheless, it's always a good idea to clean it thoroughly. A thorough cleaning means removing the drawers and bins and cleaning them out. You should wash the inside walls and shelves too, removing everything that can be removed and soaking it in the sink separately. If the fridge sat disconnected from power, scrub the inside and clean it carefully if it needs it. If it hasn’t been unplugged, then you should do that and let it warm up a little before scrubbing it, as this will make it easier. A soft cloth works perfectly at wiping down, as anything tougher will scratch the surface. Be sure to clean beneath the fridge, as well as the top and sides too.
  3. Clean the Floors - If your new home already came with a carpet installed, you should probably hire professional cleaners to steam clean them before you and your family move in. Where that won’t be possible for you, a thorough vacuum will probably suffice. Confirm from the previous owners if they had any pets, so you know how to take precautions against possible fleas, particularly if you are moving with pets of your own. Where the floors are wooden or faux wood, thoroughly sweep the floor, cleaning the underside of heating vents and all stationary appliances. 

When you finish, you can take a well-deserved break to go say hello to your new neighbors.


Buying a home is a big financial endeavor that takes planning and saving. Aside from a down payment, hopeful homeowners will also need to save for closing costs and moving expenses.

When it comes to the down payment amount you’ll need to save, many of us have often heard 20%, the magic number. However, there are a number of different types of mortgages that have different down payment requirements.

To complicate matters, mortgages vary somewhat between lenders and can change over time, with the ebb and flow of the housing market.

So, the best way to approach the process of saving for a down payment is to think about your needs in a home, and reach out to lenders to start comparing rates.

However, there are a few constants when it comes to down payments that are worth considering when shopping for a mortgage.

In today’s post, we’re going to talk about some characteristics of down payments, discuss where the 20% number comes from, and give you some tips on finding the best mortgage for you.

Do I need 20% saved for a down payment?

With the median home prices in America sitting around $200,000 and many areas averaging much higher, it may seem like 20% is an unattainable savings goal.

The good news is that many Americans hoping to buy their first home have several options that don’t involve savings $40,000 or more.

So, where does that number come from?

Most mortgage lenders will want to be sure that lending to would be a smart investment. In other words, they want to know that they’ll earn back the amount they lend you plus interest. They determine how risky it is to lend to you by considering a number of factors.

First and foremost is your credit score. Lenders want to see that you’re paying your bills on time and aren’t overwhelmed by debt. Second, they will ask you for verification of your income to determine how much you can realistically hope to pay each month. And, finally, they’ll consider the amount you’re putting down.

If you have less than 20% of the mortgage amount saved for your down payment, you’ll have to pay for private mortgage insurance (PMI). This is an extra fee must be paid in addition to your interest each month.

First-time buyers rarely put 20% or more down

Thanks to FHA loans guaranteed by the federal government, as well as other loan assistance programs like USDA loans and mortgages insured by the Department of Veterans Affairs, buying a home is usually within reach even if you don’t have several thousands saved.

On average, first-time buyers put closer to 6% down on their mortgage. However, they will have to pay PMI until they’ve paid off 20% of their home.


So, if you’re hoping to buy a home in the near future, saving should be a priority. But, don’t worry too much if you don’t think you can save the full 20% in advance.



929 Shaker, Westfield, MA 01085

Condo

$255,000
Price

6
Rooms
3
Beds
2
Baths
Ideal three bedroom condo with wide open floor plan. Lovely sun room opens up onto large wooden deck. The grounds are beautifully landscaped and well cared for. The gas fireplace is the focal point of the open living concept. The condo is located near Shaker Farms Country Club and the Columbia Bike Trail. Private setting yet close to highways for easy commuting. Call for showing appointment
Open House
Saturday
August 10 at 12:00 PM to 1:30 PM
Stop by to see this move in condition condo!
Cannot make the Open Houses?
Location: 929 Shaker, Westfield, MA 01085    Get Directions

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166 Hillside Rd, Westfield, MA 01085

Condo

$135,000
Price

4
Rooms
2
Beds
1/1
Full/Half Baths
Great location - lots of privacy yet close to major roads. Desirable Ashley II condo complex with only 8 units. Large, comfortable rooms with one and a half baths. Very nice patio area. Two parking spaces and low monthly condo fee
Open House
No scheduled Open Houses

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