Martine Assaf's Blog

Modern layout - 2BR condo at The Falls in Quincy - Penthouse unit

Martine Assaf (Virtual Homes Real Estate) — Mon, 14 Jun 2010 22:34:49 -0700

Martine Assaf | Virtual Homes Real Estate | 617-290-4470

Falls Blvd, Quincy, MA

Spectacular townhouse style condo at the Falls!

2BR/1+1BA Condo

offered at $239,900

Year Built	1989
Sq Footage	986
Bedrooms	2
Bathrooms	1 full, 1 partial
Floors	2
Parking	1 Uncovered spaces
Lot Size	Unspecified
HOA/Maint	$440 per month

DESCRIPTION

Looks and feels much bigger than the square footage indicated - Single family feel with the Bedrooms upstairs with Cathedral Ceilings - Oversized Master Bedroom with sky lite, with walkout to roof area. Second bedroom spacious as well.

Updated kitchen with stainless steel look, bar area - updated baths, open layout.Very quiet unit.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Living room
- Dining room	- Dishwasher	- Refrigerator
- Stove/Oven	- Microwave	- Stainless steel appliances
- Washer	- Dryer	- Laundry area - inside
- Balcony, Deck, or Patio

COMMUNITY FEATURES

- Guest parking

- Clubhouse

- Swimming pool(s)

OTHER SPECIAL FEATURES

- OPEN HOUSE SUNDAY JUNE 06

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Martine Assaf

Virtual Homes Real Estate

MA sales lic#9066302

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Jun 4, 2010, 1:44pm PDT

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Quincy MA Real Estate - Market Report (YTD -10/31/2009)

Martine Assaf (Virtual Homes Real Estate) — Mon, 09 Nov 2009 13:40:15 -0800

Quincy, Massachusetts

Quincy, Massachusetts Homes Sold - Year to Date (10/31/2009)

At the end of October, there were 135 homes on the market with an average list price of $423,823 and a days on market of 98. 59 homes are pending with an average list price of $356,061 The lowest priced home is $174,900 and the highest is at $809,000.

There were 323 homes sold YTD in Quincy MA with an average sales price of $329,726. This reflects a decline of -3.45% for the selling prices. The average days on market for homes sold 92 and a list-to-sell ration of 96%.

Virtual Homes Real Estate provides search tools to assist you in learning about the community, listing and market conditions. Click on the following links for your choice of services.

Quincy MA Real Estate - Community, relocation and school information with town demographics.

Quincy MA Foreclosures - Obtain a list of foreclosed and bank owned real estate and short sales

Quincy MA MLS Search - View all listings in the statewide MLS.

Quincy MA Homes for Sale - Map Search - Search by location, neighborhood and commuting.

This report is based on activity reported from the MLSPin mls system and is not guaranteed to be accurate. It does not represent all of the listings that have sold during the specified time frame.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Two family in Canton, Ma PRIME CENTER LOCATION!!

Martine Assaf (Virtual Homes Real Estate) — Thu, 20 Aug 2009 12:30:29 -0700

Martine Assaf | Virtual Homes Real Estate | martine.assaf@virtualhomes.com | 617-290-4470

40 Church St, Canton, MA

Good condition 2 family Duplex style! Close to Center and train.

4BR/2.5BA Multi-Family, 2 units

offered at $429,900

Year Built	1880
Sq Footage	1,864
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	4+ Uncovered spaces
Lot Size	4,792 sqft
HOA/Maint	$0 per month

DESCRIPTION

Great investment property in the heart of Canton. Well Maintained Duplex with a lot of upgrades (heat, water heater, kitchen appliances, newer kitchens). One unit has 2BR - 1bath- first floor laundry, other unit 2BR-1.5bath - basement laundry

see additional photos below

PROPERTY FEATURES

- Hardwood floor	- Living room	- Dining room
- Refrigerator	- Stove/Oven	- Basement
- Washer	- Dryer	- Laundry area - inside
- Yard

COMMUNITY FEATURES

- Storage space(s)

OTHER SPECIAL FEATURES

- Both units with separate laundry

- 2+ Parking per unit

ADDITIONAL PHOTOS

Photo 1	Photo 3
Photo 1	Photo 2
Photo 1	Photo 2

Contact info:

Martine Assaf

Virtual Homes Real Estate

martine.assaf@virtualhomes.com

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Aug 20, 2009, 7:35am PDT

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Great Investment Property! 5BR under 200K in Rockland, Ma

Martine Assaf (Virtual Homes Real Estate) — Thu, 20 Aug 2009 10:20:04 -0700

Martine Assaf | Virtual Homes Real Estate | martine.assaf@virtualhomes.com | 617-290-4470

38 Exchange St, Rockland, MA

Seller wants offers!!!Spacious Farm House in need of TLC to bring it back to former glory!

5BR/2BA Single Family House

offered at $199,900

Year Built	1850
Sq Footage	2,289
Bedrooms	5
Bathrooms	2 full, 0 partial
Floors	2
Parking	4+ Uncovered spaces
Lot Size	9,660 sqft
HOA/Maint	$0 per month

DESCRIPTION

Great Investor Opportunity! Grand old dame, waiting to be spruced up! High ceilings! Spacious home, large drive way. Floor to ceiling windows. Wrap around porch, wonderful for a lazy summer's day. Upstairs has 2 bedrooms, large attached room, great as family room or oversized Master suite. Needs updating. Seller wants offers!

see additional photos below

PROPERTY FEATURES

- High/Vaulted ceiling	- Walk-in closet	- Living room
- Bonus/Rec room	- Dining room	- Basement
- Laundry area - inside	- Balcony, Deck, or Patio	- Yard

OTHER SPECIAL FEATURES

- High Ceilings, wrap around porch

ADDITIONAL PHOTOS

Photo 1	Photo 1
Photo 1	Photo 2
Photo 2	Photo 1

Contact info:

Martine Assaf

Virtual Homes Real Estate

martine.assaf@virtualhomes.com

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Aug 20, 2009, 7:05am PDT

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Great Commuter location! Spacious 3 BR + Den in Quincy Center!

Martine Assaf (Virtual Homes Real Estate) — Wed, 01 Jul 2009 08:41:38 -0700

Back on the Market!!!

Martine Assaf | Virtual Homes Real Estate | martine.assaf@virtualhomes.com | 617-290-4470

106 Washington St, Quincy, MA

Commuter's dream! Spacious 3 BR with Den and 2.5 baths, close to the Quincy Center T-station.

3BR/2.5BA Condo

offered at $499,900

Year Built	2006
Sq Footage	1,882
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	1
Parking	2 Uncovered spaces
Lot Size	Unspecified
HOA/Maint	$360 per month

DESCRIPTION

Wonderful opportunity to own 3 BR PLUS STUDY in luxury building, a commuter's dream, only minutes to MBTA, in the center of historic Quincy. Four-story building with traditional New England Brick Facade, blended with modern architectural features, including Jacuzzi tub and shower. Granite kitchen w/cherry cab and SS appliances. Heated garage parking, elevator.

see additional photos below

PROPERTY FEATURES

• Central A/C	• Central heat	• Hardwood floor
• Tile floor	• Living room	• Office/Den
• Dining room	• Breakfast nook	• Dishwasher
• Refrigerator	• Stove/Oven	• Microwave
• Granite countertop	• Stainless steel appliances	• Washer
• Dryer	• Jacuzzi/Whirlpool

COMMUNITY FEATURES

• Garage parking	• Storage space(s)	• Secured entry
• Elevator

OTHER SPECIAL FEATURES

• Close to Quincy Center T and shopping

ADDITIONAL PHOTOS

Photo 1	Photo 1
Photo 1	Photo 1
Photo 2	Photo 1

Contact info:

Martine Assaf

Virtual Homes Real Estate

martine.assaf@virtualhomes.com

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Jun 26, 2009, 7:42pm PDT

Check out: www.quincymarealestate.com or for a Map Based Search: www. virtualhomesmls.com

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Q&A on Conficker

Martine Assaf (Virtual Homes Real Estate) — Tue, 31 Mar 2009 22:08:31 -0700

My Quincy Adams BNI Chapter is lucky to have a very smart Computer Guy -> Dave Elmasian with FAST TEKS serving the South Shore of Boston.

Today he spoke about the Conficker virus, he emailed the following Q&A on the Conficker virus.

Thanks Dave!! for keeping an eye out and always helping out with a Computer crisis!

_____________________________________________________________________________________________

If you don't know what the heck I am talking about - here is a link to general information on this virus - http://en.wikipedia.org/wiki/Conficker

Q: What will happen on April 1, 2009?
A: Based on our collective technical analysis, we've determined that systems infected with the latest version of Conficker will begin to use a new algorithm to determine what domains to contact. We have
not identified any other actions scheduled to take place on April 1, 2009.

Q: Will an updated version of Conficker go out to already-infected systems on April 1?
A: It is possible that systems with the latest version of Conficker will be updated with a newer version of Conficker on April 1 by contacting domains on the new domain list. However, these systems could
be updated on any date before or after April 1 as well using the "peer- to-peer" updating channel in the latest version of Conficker.

Q: Should the general public be alarmed? Why or why not?
A: No, the general public should not be alarmed. Most home users have been protected by Microsoft Security Update MS08-067 being applied automatically.

Q: Are there any other changes in the latest version of Conficker?
A: The latest version of Conficker also introduces a new "peer-to-peer" (P2P) updating capability. This capability could enable a system infected by the latest version of Conficker to receive a new version or
new instructions by contacting another system infected by Conficker rather than by contacting a domain determined by the domain generation algorithm.

Q: We hear talk of an impending second phase of attacks from Conficker. What do you anticipate happening next?
A: There may be a second phase of the threat at some point in time. However, we believe that with a situation like this-which has similarly taken place many times in the past-and given the tremendous
amount of attention that this worm has received, as well as industry and law enforcement monitoring, these efforts will be a deterrent to a large second wave of attacks. At the end of the day, we can't
speculate on the intentions of criminals, but what we can do is work to limit the impact of any second phase.

Q: Why does Conficker continue to spread even though Microsoft issued the update in October?
A: There is always some percentage of customers who don't apply an update at any given time, due to a variety of reasons. While most home users have been protected by the patch being applied automatically, once the worm gets a foothold inside an enterprise, it's difficult to remove and this is where people are having problems.

Q: Why is Conficker using domain names? Is this a new trend?
A: It is trying to download malware from these domains and it also uploads infection counts to these domains, but this is not a new trend.

Q: What is the Conficker Working Group doing about this new algorithm?
A: The Conficker Working Group has been working continuously to block access to domains that systems infected by Conficker attempt to contact. We are continuing this work and have expanded this effort to include those domains that will be contacted by the latest version of Conficker starting on April 1, 2009.

Q: What should people who are worried about April 1 and Conficker do?
A: We recommend that home users who have not yet enabled automatic updates do so and ensure their security software is up to date with the latest signatures.

If you don't know what the heck I am talking about - here is a link to general information on this virus - http://en.wikipedia.org/wiki/Conficker

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

New Restrictive Financing Guidelines are Killing our Industry-A Call to Action

Martine Assaf (Virtual Homes Real Estate) — Mon, 30 Mar 2009 16:10:16 -0700

My dear friend Elliott wrote this blog and I wanted to make sure it gets read. I experienced a new condo complex that got foreclosed on due to the financing restrictions on condo's. There was no need for it. Yes, there need to be guide lines, but how strict do they need to be?

Via Elliott S. Topkins Massachusetts Real Estate and Title Atty (Topkins & Bevans-etopkins@topbev.com):

In a recent article in the New York TIMES, problems besetting our industry were the main focus. Examples of people who had committed to purchase as yet unbuilt homes, free standing and condominiums, and were now "trapped" by new FNMA/FHLMC Guidelines, which have made many financing programs much more restrictive, in terms of downpayment and sales of project units. While I did not generally recommend 95% and 90% financing to many of my clients, such programs were a fact a life as recently as 18 months ago, and that high leverage was often the only way a family could purchase the home of their dreams. New Condominiums were not limited to 70% pre-sale, either.

So, when FNMA and FHLMC developed more rigid standards for borrowing, at this difficult time in the housing industry, I have to ask myself "why". These entities are no longer owned by public stockholders. For all intents and purposes, they are part of our government. Yet, the very same government that has given lip service to the real estate recovery as being essential to an overall recovery permits these agencies to act in a manner which prevents real estate activity.

Who, if anyone, is really benefitting from the new restrictions on residential lending? Certainly, the potential Buyer who has put down a deposit without a financing contingency is not benefitting. That deposit money is probably gone, as liquidated damages for the Buyer's failure to perform. So, not only is the contemplated sale up in smoke; so is any other real estate purchase for the Buyer losing his or her Deposit. "No sale" hurts the realtor, the mortgage originator, the closing agent and, ultimately, the Seller or Developer, because holding on to the Deposit is a poor alternative to making the sale of the property in question at the contract price.

It is time for each of us, whatever role we play in real estate, to inform our elected representatives in Washington, DC that these restrictions need to be eased. Dropping interest rates, alone, will not stimulate a real estate recovery. Programs with some leverage need to be brought back. Pre-sale requirements need to be lowered. If we sit back and allow these new restrictions to continue, we have no one but ourselves to blame for what happens to our industry. Make the phone calls; send the emails, petition the people you put in office. The stakes are much too high to sit on our hands.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Common courtesy

Martine Assaf (Virtual Homes Real Estate) — Wed, 25 Mar 2009 12:45:41 -0700

So I am showing my client that (after a year...) is ready to pull the trigger, a condo that he really likes. I call the listing agent to see if there is anything going on (would hate to write up an offer, get my client's hopes up and not get it because of other offers). Leave a voicemail message, sent an email and text message since I did not hear back.

So we continue our process, looked at some comps and wrote up the offer. The listing agent had in MLS instructions where to send offers to (yes, bank owned...).

So I faxed the offer (saved the confirmation through efax), scanned and emailed it as well (still don't trust the old fashioned paper faxes...). Three days later (no call, no response what so ever), I finally get a hold of him, " oh so sorry, it has been under agreement for TWO WEEKS, you are WAY too late.... (Mind you it has been on the market for 7 months....).

Is it me or is this just plain rude. I have done a deal with this listing agent several years ago, so he knows who I am (we had a interesting transaction before and got along great). More and more I hear the excuse, "Do you know how many listings I have?" - Well, my answer is this: ANSWER YOUR PHONE AND THEY WOULD HAVE BEEN SOLD! So stop complaining.

By the way, the next day and new listing came on, in better shape, more space, so my client is very happy (things happen for a reason!). Now I am waiting for the listing agent to call me and tell me that the deal fell apart and if my client is still interested....... (yes I have had that happen and the courteous agent that was responsive and kind, got it under agreement the next day).

So please, if you have 24 listings but are unable to answer your phone, or do not want to pay an assistant, stop complaining. Other wise, hire an assistant to help you out. It made my life so much easier, I can definitely recommend it.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Beach Side Rental In South Boston

Martine Assaf (Virtual Homes Real Estate) — Wed, 25 Mar 2009 12:06:27 -0700

Martine Assaf-Kim Healy | RE/MAX Innovations | 617-835-1235

12 Ticknor, South Boston, MA

Beautifully Renovated 2br Condo close to Beach

2BR/1BA Condo

$1,800/month

Bedrooms	2
Bathrooms	1 full, 0 partial
Sq Footage	1,040
Parking	None
Pet Policy	No pets
Deposit	$2,700

DESCRIPTION

Beautifully renovated 2br condo conveniently located to Castle Island and the BEACH! Features include, hardwood floors, washer/dryer in-unit, ample closet space, dining room and large rear private porch off eat in kitchen with granite counter tops.

see additional photos below

RENTAL FEATURES

Air conditioning	Living room	Dining room
Dishwasher	Refrigerator	Stove/Oven
Microwave	Granite countertop	Washer
Dryer	Laundry area - inside	Balcony, Deck, or Patio

LEASE TERMS

1 Year, max 2 tenants on lease

ADDITIONAL PHOTOS

Photo 1	Photo 1
Photo 2	Photo 1
Photo 2	Photo 3

Contact info:

Martine Assaf-Kim Healy

RE/MAX Innovations

617-835-1235

Equal Opportunity Housing

Posted: Mar 21, 2009, 9:30am PDT

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Quincy Massachusetts Foreclosures For Sale!

Martine Assaf (Virtual Homes Real Estate) — Tue, 24 Feb 2009 21:24:50 -0800

Via Fred Doleac - Virtual Homes, Inc.:

Click on Quincy Foreclosuresto view MLS foreclosed (bank owned) listings and short sale opportunities.

Single family, condominiums, multi-family and land listings will populate a map in Quincy, MA.

Visit the Quincy MA Virtual Homes web site at http://www.quincymarealestate.com

To view foreclosures in other Massachusetts communities:

Click hereand the Virtual Homes MLS Map Search map will appear.

Type in a town in Quick City Search. A map of the town will appear with all properties listed shown on the map.

Select foreclosures under the Popular Search option.

Foreclosed (bank owned) and short sale opportunities will be shown.

The VirtualHomesMLStool provides a map based search of all MLS listings. Search by town,keyword
phrases, price, location or specific criteria. Take advantage of a map based search.

Virtual Homes provides a complete Internet marketing solution for agents, broker/owners and lenders
including lead generation, lead notification, management tools (CRM), training and support. View virtual
communities for local, town information in various states at MA Real Estate, NH Real Estate, CT Real
Estate and RI Real Estate.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Newconstruction rental in luxury condo complex Quincy, Ma Center close to Transportation

Martine Assaf (Virtual Homes Real Estate) — Tue, 24 Feb 2009 21:04:34 -0800

Martine Assaf | RE/MAX Innovations | 617-290-4470

Washington St, Quincy, MA

Gorgeous Cathedral ceiling with amazing windows. 2 BR with 2.5 baths

2BR/2.5BA Condo

$2,000/month

Bedrooms	2
Bathrooms	2 full, 1 partial
Sq Footage	1,486
Parking	2 dedicated
Pet Policy	Cats, Small dogs (< 25lbs)
Deposit	$4,000

DESCRIPTION

ONE OF A KIND! NEW!!! Gorgeous Cathedral ceiling with amazing windows. Two Bedrooms similar size with attached baths. Granite Countertops, stainless steel appliances! Half bath. Closet space galore! Washer and Dryer in unit! Live in luxury - 0.2 miles from the Quincy Center T-station - Close to dining and shopping - Washer and dryer in unit! This unit includes 2 parking spots!! Come see to believe!

see additional photos below

RENTAL FEATURES

Air conditioning	Central heat	High/Vaulted ceiling
Walk-in closet	Hardwood floor	Living room
Dining room	Breakfast nook	Dishwasher
Refrigerator	Stove/Oven	Microwave
Granite countertop	Stainless steel appliances	Washer
Dryer	Laundry area - inside	Jacuzzi/Whirlpool
Cable-ready

COMMUNITY FEATURES

Garage parking	Storage space(s)	Secured entry
Elevator	New property (< 5 years)	Wheelchair access

LEASE TERMS

First month and one months Security deposit.

ADDITIONAL PHOTOS

Contact info:

Martine Assaf

RE/MAX Innovations

617-290-4470

Equal Opportunity Housing

Posted: Feb 23, 2009, 10:13am PST

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Rockland, MA Farmhouse in need of TLC to bring it back to old charm!

Martine Assaf (Virtual Homes Real Estate) — Tue, 24 Feb 2009 21:00:02 -0800

Martine Assaf | RE/MAX Innovations | 617-290-4470

38 Exchange St, Rockland, MA

Spacious Farm House in need of TLC to bring it back to former glory!

5BR/2BA Single Family House

offered at $240,000

Year Built	1850
Sq Footage	2,289
Bedrooms	5
Bathrooms	2 full, 0 partial
Floors	2
Parking	4+ Uncovered spaces
Lot Size	9,660 sqft
HOA/Maint	$0 per month

DESCRIPTION

Grand old dame, waiting to be spruced up! High ceilings! Spacious home, large drive way. Floor to ceiling windows. Wrap around porch, wonderful for a lazy summer's day. Upstairs has 2 bedrooms, large attached room, great as family room or oversized Master suite. House had some work done to be up to FHA code. Needs updating.

see additional photos below

PROPERTY FEATURES

High/Vaulted ceiling	Walk-in closet	Living room
Bonus/Rec room	Dining room	Basement
Laundry area - inside	Balcony, Deck, or Patio	Yard

OTHER SPECIAL FEATURES

High Ceilings, wrap around porch

ADDITIONAL PHOTOS

Contact info:

Martine Assaf

RE/MAX Innovations

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 23, 2009, 10:14am PST

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Great investment opportunity! Already getting $2200 a month in rent, with 1 unit vacant!

Martine Assaf (Virtual Homes Real Estate) — Tue, 27 Jan 2009 18:14:08 -0800

Martine Assaf | RE/MAX Innovations | 617-290-4470

49 Weston St, Brockton, MA

3 unit Multi with large driveway, coin op laundry in basement.

7BR/3BA Multi-Family, 3 units

offered at $239,900

Year Built	1925
Sq Footage	3,204
Bedrooms	7
Bathrooms	3 full, 0 partial
Floors	Unspecified
Parking	Unspecified
Lot Size	6,534 sqft
HOA/Maint	$0 per month

DESCRIPTION

Spacious 3 family property with original detail. 1st floor 2BR - 2nd floor 2BR - 3rd floor 3BR. Laundry and storage in Basement. Subject to Bank Approval.

see additional photos below

PROPERTY FEATURES

Hardwood floor	Living room	Dining room
Dishwasher	Refrigerator	Stove/Oven
Laundry area - inside	Balcony, Deck, or Patio

COMMUNITY FEATURES

Storage space(s)

OTHER SPECIAL FEATURES

Garage, yard, storage in basement

Pls give some notice for showings, occupied

ADDITIONAL PHOTOS

Seller contact info:

Martine Assaf

RE/MAX Innovations

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 8, 2009, 3:36pm PST

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Luxury Condo in Quincy Center - close to T

Martine Assaf (Virtual Homes Real Estate) — Tue, 27 Jan 2009 17:46:27 -0800

Martine Assaf | RE/MAX Innovations | 617-290-4470

106 Washington St, Quincy, MA

Commuter's dream! Spacious 3 BR with Den and 2.5 baths, close to the Quincy Center T-station.

3BR/2.5BA Condo

offered at $499,900

Year Built	2006
Sq Footage	1,882
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	1
Parking	2 Uncovered spaces
Lot Size	Unspecified
HOA/Maint	$360 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Hardwood floor
Tile floor	Living room	Office/Den
Dining room	Breakfast nook	Dishwasher
Refrigerator	Stove/Oven	Microwave
Granite countertop	Stainless steel appliances	Washer
Dryer	Jacuzzi/Whirlpool

COMMUNITY FEATURES

Garage parking	Storage space(s)	Secured entry
Elevator

OTHER SPECIAL FEATURES

Close to Quincy Center T and shopping

ADDITIONAL PHOTOS

Seller contact info:

Martine Assaf

RE/MAX Innovations

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 27, 2009, 7:57am PST

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Quincy, MA Condominium Market Report

Martine Assaf (Virtual Homes Real Estate) — Mon, 17 Nov 2008 19:40:11 -0800

Quincy Massachusetts Condo Market Report - October 2008

The average selling price for condominiums sold in the month of October 2008 was $ 250,618 which is a substantial decrease from $ 333,268 for the same time period in 2007.

The number of homes sold slightly increased from 25 to 27 with the average days on market decreased from 163 to 134. At this moment there are 205 condominium listings in Quincy, compared to 274 condominium last year.

This information was obtained from mlspin.

For more information on the Quincy market: www.quincymarealestate.com or massaf@relocationma.com

Martine Assaf - RE/MAX Innovations 617-262-9747

Certified Negotiation Specialist, New Home Specialist

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

How to Increase FICO® Scores by 20-50 points in as little as 45 days!

Martine Assaf (Virtual Homes Real Estate) — Mon, 17 Nov 2008 19:26:08 -0800

Great information to help out a buyer, that needs to increase from "ok" credit to "good" credit.

Via Marco Carbajo:

The amount you owe in comparison to the credit limits available weigh heavily on your credit scores. FICO® states that 30% of the amounts owed on your credit reports factor into your credit score calculation.

Most articles and industry "experts" talk about keeping your credit/revolving balances at around 50% or lower to the limits available. What the "experts" fail to tell you is at what balance does it start to impact your credit score negatively and how best to use the debt to credit limit ratios to your advantage.

To truly leverage the credit score point factors in your favor you should always keep your credit card balances at 30% or below. Never max out your card and pay it off the next month because it still will impact your score negatively even though you paid it off in one payment cycle.

For example, if your credit card limit is $1,000 then you know to never owe or charge more than $300 on that particular card. If you happen to need to charge $1,000 for a purchase then you should spread the $1,000 charge on several credit cards not exceeding 30% of the debt to credit limit ratio on any of the cards.

How do I reach the 30% ratio if my current debt to credit limit ratio is at 50% or more?

It's pretty simple for me to tell you where you should be but what about those of you who owe numerous credit cards more than 50% sometimes even 100% of the debt to credit limit? What should you do when you are making the minimum monthly payments each and every month?

There are a few proven strategies that you can implement today to improve those ratios.

Contact your credit card issuer and request for a credit line increase.

Don't be afraid to request the limit increase you are wanting. Most credit card companies will review your payment history, length of credit history with them, and the last increase issued. Don't be afraid to ask to speak with a supervisor if you are not getting the help you need. Remember, you are the customer and there are many other credit cards you have that you will be happy to transfer your balance to. Use that as leverage but your demands make sense when you have a good history with their particular creditor.

Request for a lower interest rate. Once you contact your credit card issuers for the limit increase don't ask for a lower rate at the same time. The best approach is to have a pre-solicited offer on hand when you call and ask what they can do for you. Literally tell them what the offer is from ABC credit card company and what they are willing to do to keep your business. Remember, even if they offer you a 6 month rate reduction to let's say 9% instead of the 21% they are currently charging you do you realize how much more of your money will go towards the principle rather than interest. The key is paying more than the minimum payment. If your minimum payment is $25 per month then make it a priority to pay at least triple that amount. Transfer balances and spread the debt to credit limit ratios. If you have more than one credit card and the balance on one card is at 100% of the limit but have other cards with no balances than immediately transfer the balance on the one maxed out card and spread the balance between all three cards but keep the ratios at 30%. It hurts you tremendously to have a card maxed out. If you have three cards with 30% debt to credit limit ratios then you are maximizing the credit score factors to your favor.

Pay down your cards using the roll up strategy. The roll up strategy has been used for years and very few people are successful at it because it requires lots of consistent discipline. You start with an extra monthly payment amount of let's say $100. You pay all your credit cards like normal but apply the extra $100 to the credit card with the lowest balance. For example, your lowest balance is $1,000 and the minimum payment is $40 per month. You add the $100 and now your payment on that one card is $140 per month. Once that card is paid in full then you take the same $140 payment that you were paying and add it to the next card with the second lowest balance. Keep doing this and your debt to credit limit ratios will improve dramatically and you will score some points by paying more than the minimum each month too!

Marco Carbajo is owner of UCan2, a national marketing company specializing in credit repair, FICO® enhancement, and corporate credit solutions. He is author of many credit repair, FICO® enhancement, and corporate credit related articles. He also publishes two ezines titled ‘Insider Secrets to 720′ and ‘Secrets to Credit Repair Marketing'. For credit restoration and FICO® enhancement CLICK HERE

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Pricing feedback

Martine Assaf (Virtual Homes Real Estate) — Mon, 17 Nov 2008 17:46:40 -0800

I had a new listing on broker tour last week. Most of the responses were that it was priced right, I even heard that I should have priced it higher (WHAT???). So my surprise was huge when I had showings and a buyer's agent came back with an offer so much lower (offendingly low if you get my drift), saying that the house needs so much work. When I pointed out that a new roof, windows, heat and AC were recently installed (as I had told him during the showing as well). "Well, my buyers are looking at the wall colors and the unfinished attic,". What? Have you been to Home depot or Lowes lately, paint is not that expensive. As for the attic, look at the comps, they don't even have attics that can be finished and they are in similar price ranges. I have to point out, that he normally works a different area, so was not familiar with the beach community where the listing is located.

Can we please be more honest with each other with feed back. If you think something is overpriced, show me the comps (might I have missed them?) so I can tell my seller. Yes, this is the market that buyers "want to give it a try" with an offer, at least have some reasoning. I would have rather have him say, this is out of their price range and willing to give it a shot, than this nonsense. Waste of time.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Buyer's Closing Cost

Martine Assaf (Virtual Homes Real Estate) — Sun, 16 Nov 2008 21:02:17 -0800

Via Caroline Tsou:

To purchase a property, besides the down payment, buyer needs to prepare some additional money for closing cost. Here is a list of fee involved to close the escrow.

1.Title fee.

2. Escrow fee.

3. Loan processing fee.

4. 1st month prorated mortgage payment.

5. Prorated property tax.

6. Home insurance.

7. Notary fee.

8. Wire fee.

9. Carrier fee.

10. Home inspection fee.

11. Private Mortgage Insurance (if applicable).

12. Impound account reserves (if applicable).

The closing cost runs about 2% to 4% of the purchase price. Much of it depends on how much lender charges on point and origination fee.

Depending on the credit score and amount of down payment, lender might allow up to 6% of the purchase price as credit towards buyer's closing cost from the seller. This will help pay for the closing cost if buyer have only enough savings for down payment.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Financial Crisis?

Martine Assaf (Virtual Homes Real Estate) — Sun, 16 Nov 2008 20:21:01 -0800

The news keeps on telling us how bad the economy is, the stock market is in pieces BUT the mall parking lot is so busy that you need to circle around for a parking spot!

Today it was a busy day at open houses in Quincy, Ma. My listing's open house had over 9 parties stop by. I visited some open houses myself and had to wait because there were too many people inside. Since I have faith that my listing is selling soon and my buyers are buying before the end of the year, I decided to do some early Christmas shopping (Sears had a pre-black friday sale - online alert!!). The amount of items people were buying, you would think they were handing it out for free. So, no the financial crisis is just a way to sell papers, its not really happening, we are fine!

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Quincy, Ma Open House

Martine Assaf (Virtual Homes Real Estate) — Sat, 15 Nov 2008 21:48:32 -0800

This weekend, November 16, the following open house will be held in Quincy

53 Woodcliff Road	$268,500	Flavin & Flavin
326 Sea St	$269,900	Central RE
133 Grove Street	$299,000	Conway
176 Billings Road	$299,900	Keller Williams
551 Sea St	$319,900	Peter Brown
166 Suomi Rd	$319,900	Zip
44 Forbes Hill Rd	$324,900	Success
19 LYONS STREET	$325,000	Century 21
60 Willet	$329,900	Century 21
12 Rustic Pl	$337,000	Century 21
164 Farrington St	$348,888	Prudential
86 Townhill Street	$357,000	Entry
60 George Road	$357,500	Flavin&Flavin
36 Richfield Street	$377,000	Success
58 Curtis Ave	$379,900	Success
311 Billings Rd	$380,800	RE/MAX Innovations
138 Hamilton Ave	$385,000	Classic
18 Morton Street	$389,000	Century 21
55 Virginia Rd	$399,900	Central
16 Homestead Ave Waterfront	$499,900	Flavin&Flavin
58 Albatross Road	$535,000	Flavin&Flavin
41 Joan Drive	$539,000	Greener Pastures
1 Spaulding St	$650,000	Century 21
17 Wedgewood St	$749,900	Century 21
136 Warren Avenue	$798,888	Century 21
204 Marina Dr U:204	$1,050,000	Marina Bay

This information is courtesy of MLSpin and other real estate websites.

If you require more information on Real Estate in Quincy, please visit:

wwww.quincymarealestate.com

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Client chasing

Martine Assaf (Virtual Homes Real Estate) — Sat, 15 Nov 2008 20:57:17 -0800

While out with some realtor friends, the following story was told to me:

While out with a buyer client, that wanted to buy before they sold there existing home (yeah must be nice to have money...), my friend's clients were talking to the listing agent at an open house. Her clients did not understand the entire agency regulations, answered the listing agents questions.

They put in an offer for this house with my friend as their buyer agent. Then the listing agent had the audicity to call them with the contact info on their offer, to list their house (since she asked them if they had to sell something).

Seriously, does anybody else has an issue with this? Any ethics still available in this world? No wonder my friends make realtor and car salesmen jokes.....

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Luxury Rental in Quincy Center Condominium Complex

Martine Assaf (Virtual Homes Real Estate) — Wed, 12 Nov 2008 21:03:12 -0800

Martine Assaf | RE/MAX Innovations | 617-290-4470

Washington St, Quincy, MA

Gorgeous Cathedral ceiling with amazing windows. 2 BR with 2.5 baths

2BR/2.5BA Condo

$2,500/month

Bedrooms	2
Bathrooms	2 full, 1 partial
Sq Footage	1,486
Parking	2 dedicated
Pet Policy	Cats, Small dogs (< 25lbs)
Deposit	$5,000

DESCRIPTION

see additional photos below

RENTAL FEATURES

Air conditioning	Central heat	High/Vaulted ceiling
Walk-in closet	Hardwood floor	Living room
Dining room	Breakfast nook	Dishwasher
Refrigerator	Stove/Oven	Microwave
Granite countertop	Stainless steel appliances	Washer
Dryer	Laundry area - inside	Jacuzzi/Whirlpool
Cable-ready

COMMUNITY FEATURES

Garage parking	Storage space(s)	Secured entry
Elevator	New property (< 5 years)	Wheelchair access

LEASE TERMS

First month and one months Security deposit.

ADDITIONAL PHOTOS

Renter contact info:

Martine Assaf

RE/MAX Innovations

617-290-4470

Equal Opportunity Housing

Posted: Nov 12, 2008, 6:54pm PST

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Reading John Assaraf - Having it all - and you can have it all!

Martine Assaf (Virtual Homes Real Estate) — Wed, 12 Nov 2008 20:12:35 -0800

The broker at my office gave me a copy of John Assaraf's book. I had overcome some major obstacles and am doing fairly well in business. This books points out how to focus and plan for the future. Quantum physics are very interesting and it all makes sense if you think about it. This books is good to read after you read "The Secret". If you need a boost during this financial malaise, this might be the way to go.

By the way, got the opportunity to meet John Assaraf and he is this really cool, down to earth person that wants others to succeed.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Quincy Massachusetts Market Report

Martine Assaf (Virtual Homes Real Estate) — Wed, 12 Nov 2008 19:52:31 -0800

Quincy Massachusetts Market Report - October 2008

The average selling price for single family homes sold in the month of October 2008 was $335,255 which is a substantial decrease from $358,553 for the same time period in 2007.

The number of homes sold decreased from 36 to 24 with the average days on market rised from 83 to 103. The trend for average market time for homes sold in Quincy, Ma have been substantially longer.

This statistic usually indicates a need for more aggressive pricing.

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com

Only 1 Block from the BEACH! Large 4BR 2bath Colonial - hardwood throughout!

Martine Assaf (Virtual Homes Real Estate) — Wed, 29 Oct 2008 17:58:25 -0700

Martine Assaf | RE/MAX Innovations | martine.assaf@remax.net | 617-290-4470

311 Billings Rd, Quincy, MA

Spacious Colonial in Beach community. Close proximity to shopping,
T and BEACH!

4BR/2BA Single Family House

offered at $380,800

Year Built	1911
Sq Footage	1,510
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	3
Parking	4 Car garage
Lot Size	5,100 sqft
HOA/Maint	$0 per month

DESCRIPTION

Elegant Colonial, spacious with 4 BR 2 baths. A lot of updates already done: windows, roof, heater, waterheater. Large dining room, great for family dinners. Close to the beach, also close to T station. 1 car garage parking. Wrap around porch!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Hardwood floor
Tile floor	Living room	Office/Den
Dining room	Breakfast nook	Attic
Basement	Laundry area - inside	Balcony, Deck, or Patio
Yard

OTHER SPECIAL FEATURES

Open House Sunday 11/2 from 1-3 pm

ADDITIONAL PHOTOS

Seller contact info:

Martine Assaf

RE/MAX Innovations

martine.assaf@remax.net

617-290-4470

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 29, 2008, 3:55pm PDT

Martine Assaf - Virtual Homes Real Estate - www.virtualhomes.com