home buying: Change In Tax Laws That Can Save You Big Money! - 05/23/11 04:39 AM
There have been a few key changes to tax laws that positively affect both sellers and buyers!  I had not heard anything about any of these 3 until I saw this YouTube video on Suze Orman.
If you are a homeowner who is in the position of having to have your home as a short-sale, did you know there is now a law that will allow you to do so without tax consequences?   If you are a homeowner who is considering selling due to the death of your spouse or life partner, there is a change in the capital gains law … (0 comments)

home buying: Rent vs Buy...who do you believe? - 05/19/11 09:52 AM
There is so much being talked about today whether the owning real estate is the smart choice or if renting is wiser.  It's always been the American Dream to own real estate...not only for the quiet enjoyment of living in what you own, but also for the financial and tax benefits that home ownership affords us.
The past 5 years have been brutal...ask any homeowner who has tried to sell their home if they have owned for less than 10 years...or if they were caught up in the re-fi mania that enabled all homeowners to cash out, cash out and cash … (1 comments)

home buying: This Month In Real Estate, April 2011 - 04/04/11 04:28 AM
For an overview of what's happening in the mortgage and real estate markets nationwide, watch the April edition of This Month In Real Estate.


home buying: The Pride and Cost of Homeownership - 03/21/11 03:58 AM
I was recently talking to my great-niece, on CO.  She and her boyfriend bought their first home last fall.  It was a short sale and they were very nervous.  The Realtor they used was the same one used by her boyfriend's parents. 
She consulted with me about a few things, and based on everything she told me about the advice and counsel the Realtor was giving them, it sounded like they were in good hands, and they felt very comfortable with the agent.
Buying a short sale is not for the faint of heart.  There are many things that can go … (1 comments)

home buying: 5 Stages of Buying Your First Home - 02/22/11 03:23 AM
5 Stages of Buying Your First Home Real Estate is local.  By that we mean that what is going on in your local community or neighborhood, may not be reflective of what is happening in other parts of your town, county, or state.  Much of what we hear and read is based on national averages and trends.  That's a great benchmark, although you need your local market information to make informed decisions about the right next step for you.  The best way to get that is find a Realtor who is a full time professional and an expert in your … (0 comments)

home buying: Rustlings of the spring market - 01/18/11 09:44 AM
Despite the winter weather we are in the midst of in MA over the past few days, we are beginning to see some activity that is the beginning of the spring market.  When supply exceeds demand, buyers have the upper hand.  When we talk about a "seller's market" or "buyer's market", what does that really mean?A seller's market is when the supply, or commonly referred to as "inventory" is less than 6 months.A buyer's market is when the inventory is more than 6 months.So how is this determined?  It's called an absorption rate and it is calculated by the dividing the … (1 comments)

home buying: Home prices are trending back up - 01/11/11 01:10 PM
Every major price index points to a housing market that has hit bottom and is moving in a positive direction.  After thirty months of declining values, home prices appear to be stabilizing or appreciating in nearly every U.S. market.  In August of 2010, the median home price was $182,600, amounting to an 11 percent increase over the low that was reached in February of 2010 at $164,000. 
Locally, our housing market has been experiencing declining values for 5 years!  MA was one of the first states to experience the shift in the market.  Using the same time frame that we used … (0 comments)

home buying: Benefits for buyers and sellers in MA with the SJC ruling - 01/10/11 09:39 AM
The MA State Judicial Court on Friday made a ruling on foreclosures is predicted to have far reaching affects, most likely nation wide.  Basically, it voided 2 foreclosures due to questions that arose over whether the mortgage companies that foreclosed had the assignment of ownership to actually allow them to foreclose.
The court decided that, since proper procedures were not followed, there was no legal transfer of the mortgage to the new bank. If the new bank didn’t legally own the loan, they had no right to foreclose on it.
There are a lot of opinions and a lot of unanswered … (1 comments)

home buying: Shaq on Letterman talking about living in Sudbury, MA - 01/07/11 01:06 AM
Earlier this week, Shaquille O'Neal was on The David Letterman Show.  Shaq has such a great sense of humor...his timing and delivery is incredible.  He and Dave had a chemistry...pretty funny! 
So, when Shaq signed on to play with the Celtics this year, he said he Googled Big House Outside Boston.He came up with the 10 acre compound he purchased in Sudbury.  He loves it...wild turkeys, wild foxes, wild bears.  OK, well we can go with turkeys and foxes...bears are a bit of a stretch, but far be it from me to tell Shaq he doesn't see wild bears in Sudbury.I … (4 comments)

home buying: Pending sales for December up in MA! - 01/04/11 08:36 AM
The Massachusetts Association of REALTORS® (MAR) reported today that the number of single-family homes put under agreement in December was up 5.3 percent compared to the same time last year.  This is the first significant increase in year-over-year pending sales in seven months.
This is truly exciting news.  Many of my colleagues  I spoke with reported December being their busiest month of the year.  These numbers support those claims.
Buyers are buying.  It seems they have gotten the message that in increase in the interest rate equals a decrease in their buying power.  Did you know that on the average for … (0 comments)

home buying: Mortgage rates hit rock bottom in 2010 - 01/02/11 07:38 AM
The national average on a 30 year fixed rate mortgage dropped to 4.36% in August 2010-lower than it's been in the past half century.  Interest rates for the same time last year averaged 5.19%, representing a difference of $90 in the monthly payment on a $200,000 home with 10% down, as well as a savings of $32,460 over the life of the loan.
While interest rates have begun to climb, they remain at historic lows.  Like interest rates, the housing market will remain at the bottom only so long.  Every major price index points to a housing market that has hit … (0 comments)

home buying: Buyers have the edge - 12/13/10 02:58 AM
According to Lawrence Yun, chief economist from the National Association of REALTORS, "Home buyers over the past year got a great deal, and buyers for the balance of this year have an edge over sellers.  Affordability could reach a generational high in the second half of this year because of rock-bottom mortgage interest rates, helped partly by the Fed's very accommodating monetary policy."  For more reasons why now is prime time to buy a home, contact me and I'll send you a free ebook.

home buying: FAQ's...When Looking For a Mortgage - 12/11/10 07:22 AM
One of the lenders I rely on to guide me and my buyers through the process of obtaining financing for their new home is Craig Tashjian of Fairway Mortgage.Craig has a long standing reputation of excellence and navigating today's complex lending environment.  Below are some Frequently Asked Questions that arise when searching for a mortgage company and mortgage broker who will assist you during this critical time.  Hopefully you will find the answers to some of your questions below.
What about all of these Internet-based lenders? Just think about it for a moment. Do you really want to make the largest … (2 comments)

home buying: It's prime time to buy a home! - 12/07/10 11:39 AM
I just read a great ebook called "7 Reasons Why Now Is a Great Time To Buy a Home!"  It's filled with positive, exciting information to help buyers seize the incredible market opportunities available to them right now.  Over the next seven weeks, I'll be sharing key excerpts from this ebook with yo uin my blog.  For a free copy of this ebook, contact me and I'll send it your way.

Carole Helwig, Servicing Acton, Sudbury and Hudson, MA (Keller Williams Realty)

Carole Helwig

Servicing Acton, Sudbury and Hudson, MA

Concord, MA

More about me…

Keller Williams Realty

Address: 200 Baker Avenue, Suite 205, Concord, MA, 01742

Office: (978) 369-5775

Mobile: (978) 841-7683

Email Me



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