April RER 2013

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

FREE

advertising supplement

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

April 2013

KELLER WILLIAMS REALTYJan Jacques & Company • 344-3250

4 Bedroom3 Bathroom Raised

Ranch. Coriancounters, built-in oven

& stove and large4 season sunroom

with cathedral ceilingsand 2 !replaces!This newly listed

property is offered at$217,000.

Call Today!

RAISED RANCH

This quality built,immaculate, year roundhome with expansive

Thompson Lake &Mountain Views from

almost every room offers4 large bedrooms, open"oor, cathedral ceilings,420 feet of waterfront,2 dock systems, HUGE

garage and much more!!$449,000

THOMPSON LAKE BEAUTY!!

BELANGER REALTYTerry Hewitt • 240-9196

Connecting you with your community

2 Real Estate Review April 2013

Reduced! $749,000

~ N.E. Farmhouse ~

~ Fully Renovated ~

~ Martindale Area ~

Must See! $289,000

~Hot Tub&Pizza Oven ~

~ Back On Market ~

~ Waterfront ~~ David Pond ~

~ Multi-Family ~

~ Land for Sale ~~ Easy to Show ~

~ NewAuburn Cape ~

195 Center StreetAuburn, ME04210

207-344-3250

Location, Location...This property has approximately

3 acres & comprises of themain house w/2 RV hook,

cottage & separate building lot.

Charming!3 Bedroom, 2 bath Cape offersHardwood and Tile !oors, 2

FP’s, formal dining room, patioand "nished family room.

1st Time On MarketNew roof, siding,windows,doorsand Buderus boiler! Master

bedroom suite on the 1st !oor.Wired for generator!

Renovated Farmhouse!Come see beautiful hardwood!oors, spacious kitchen, newlyremodeled baths, 2 FPs plus 4bay garage & in-ground pool!

Fabulous Kitchen!This 4 BR, 2.5 bath home is

nestled into 3+ acres of privacy.Almost 4000 sq.ft. of livingspace plus 2 FPs & pool.

Incredible Kitchen!This 3 BR Cape offers cornerbrick FP in the living room,ample closet space, breezeway

to garage & large deck.

Spacious Rooms!Beautifully kept 3 BR, 2 bathhome offers updated kitchen,1st !oor BR, deck off diningroom, storage shed & more!

Have you been dreaming about buildingyour own home? We have various lots.

Large sunny roomsGreat 2 unit located in-townwith easy access to shopping &hospitals. New Buderus boiler,

enclosed porch & more!

Amazing Property!Mahogany !oors, cath. ceiling,pond views! Superb kitchen,

gas FP sun room, lovely mastersuit, indoor pool & dock!

Waterfront! $200,000

View Me $170,000

Privacy $335,000

Reduced $90,000

Reduced $154,900

4-Unit $115,000 2 Unit $134,900

www.janjacques.com

Buy Me $189,999

Sunday River access road!This cute 1 BR condo sleeps6 people and is located on theshuttle run. It comes completelyfurnished and is a great rental!

Beautifully Maintained home... Must See!!!Spacious 4Bed 3Bath home sits on a well maintained double lot. Boasting of Oak HW !oorsthrough out "rst !oor. The kitchen has corian counters & a built-in oven & cooktop. Frontto back living & family rooms & a beautiful 4 season sunroom with cathedral ceilings!

Gorgeous Large Lot ~ Walk to BatesUnique home with many updates. HW !oors,built-ins, rec. Lighting, 2FPS. Formal diningaccesses deck with elevated vantage point.

Rangeley Lake Retreat!Year-round waterfront is convenient tothe mountains for skiing & snowmobilingtoo!Hot tub plus 3 !oors of living space.

Don’t miss out $217,000

Front Page Ad... Just Listed

~ Dead-End Road ~ ~ Unbelievable Property ~

Gorgeous Large Lot ~ Walk to Bates

Just Listed $229,900Rangeley Lake Retreat!

Waterfront $460,000

Fabulous Area!Don’t miss out on the locationand the amenties: 3000 sq.ft.,fully "nished basement, Pizza &hot tub addition plus 3.5 baths!

~West Auburn Area ~

Just Listed $210,000

Great Investment4 Identical units, 3BR/1BA,hardwood !oors, washer/dryerhook-up in each. Excelent in-

come & potential owner occupy.

~ Sunday River ~

Furnished $100,000

3Real Estate ReviewApril 2013

Ranch w/cathedral ceilings & 60' ownedwaterfront! 2 car garage, lovely landscaping.Open concept kitchen, liv. Rm. & dining roomw/wall of windows to enjoy the water! MLS 1084090$177,000 NORM 754-6060

WATERFRONT!

RARE FIND! 4 BDRMS, 2 BA,w/formal LR., formal DR., family rm.w/gas fireplace. Enclosed 3-season room,2 car garage. .71 Acre lot! MLS # 1077543$250,000 NORM 754-6060

+-3340 SQ. FT. LIVING SPACE

Nice neighborhood home!3 BDRMS, 1 BA,large kitchen w/appliances.1 car garage. MLS # 1078984$73,000 NORM 754-6060

FARWELL SCHOOL DISTRICT

Updated ranch w/4 BDRMS, 2 BA, centralvac, oak kitchen w/appliances. Lg. brickpatio, private backyard! Garage. GreatNeighborhood! MLS # 1081772$168,000 NORM 754-6060

FINISHED LOWER LEVEL

GORGEOUS RANCH W/+-2991 Sq. Ft. w/3 BDRMS,Master Suite, 2.5 BA, cherry cabinets & granite countersin kitchen! Formal DR., LR. w/vaulted ceiling! FR w/wetbar + 3 car gar! MLS #1073754$281,700 NORM 754-6060

BATES COLLEGE AREA

Ranch w/ 203' Road frontage w/ 1/2 Acre Lot! 3BDRMS, large living room w/granite fireplace!Maple HDWD floors! 3-season porch + att. 2 cargarage and barn. MLS # 1083921$129,900 NORM 754-6060

NEW LISTING!Completely UPDATED ranch w/3 BDRMS, 1 3/4 BA.,newer flooring throughout! 2 Fireplaces! Fenced-in yard + 3-season room built in 2010! Generatorready! 2 car garage. MLS # 1083789$225,000 DODIE 423-4486

NEW LISTING/BEAUTIFUL!

(207) 376-4830681 Sabattus St., Lewiston, ME 04240Norm & Denise

Brodeur

"Beginning Traditions"

MOVE RIGHT IN! Ranch w/+- 1956 Sq. Ft.w/3 BDRMS, 1.5 BA, HDWD flrs., formal DR,finished FR in daylight basement w/walk-out topool! Attached 2 car gar. MLS # 1075934$167,000 NORM 754-6060

IN-GROUND POOL!

www.Legacy-Realty.com

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.


Which one is right for YOU?mainehomeseller.net


• 473 Center Street • Auburn, Maine 04210Worden Office“An independently owned and operated member of BRER Affiliates Inc”

MLS 1083386 Custom built3br/3 bath ranch on 2 acres

with EZ access to MaineTurnpike.Lovely neighborhood. Quality

throughout. $325,000Call Anne 576-6915

MLS 1053020 Both anew kitchen, a new roof andwindows in 3 bedroom ranch

near St. Mary’s Hospital.$105,000

Call Mary Ann 577-2754

MLS 1081694 Over 80 acres ofrural land, possibility to subdivide,includes 1970 mobile with septic

and well. $ 125,000Call Mary Ann 577-2754

MLS 1064292 Home on TogusPond completely rebuilt,

has 3 bedrooms, 2 baths,all appliances, generator, gas

stove and more. $193,500Call Mary Ann 577-2754

MLS 1069410 Recentlypainted 2 bedroom condowith all appliances,

private deck and garage,pets allowed. $113,500


MLS 1060467 OFF TURNPIKE!Washington Street garagehas 5-8 overhead doors,

large paved lot, 3 furnaces,3 of!ces. $219,000


MLS 1059568 A 4 bedroom,2.5 bath tri-level has

family room, !replace, garagewith storage and big yard

with patio. $145,800Call Mary Ann 577-2754

Mary Ann Norcross • 577-2754

New Listing

CondoWaterfro

nt

Near Hospital

New Listing

Reduced

4 Bedroom

Welcome

Spring

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.


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 dif!cult to sell.

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


207-344-3250

195 Center StreetAuburn, ME 04210

10 Minutes from LL Bean!This very deceiving cape cod styled homeoffers oodles of space inside with over 2200sq. ft. of living. The home offers 2 !replacesplus a woodstove set-up so the cold days arealways cozy. There are 4 bedrooms (1 locatedon the main "oor) and 2 full bathrooms plus afully !nished basement for added space!

5 Acre In-town Lot!1st time on market! This privately set home ona quiet dead end road offers over 3,300 sqft ofliving space with plenty of glass to enjoy theoutside and 5 acre wooded views! 4 bedroom,2.5 bath, sunroom off kitchen overlooking deckand pool! There is also a 2 car garage with anoversized addition perfect for a work area.

Newly Listed $289,900

Gorgeous Greek Revival!This stately 4 bedroom Greek Revival offersover 4000sqft of livability with plenty of roomto expand on the 3rd level. Spacious formalrooms with 3 !replaces, high ceilings, hard-wood "oors, screened porch and 2 bay garagewith new deck above. Place this one high on

your list and call to view today!

Newly Listed $300,000Spacious Colonial with In-Law

This home offers fabulous living space insidewith formal dining & living rooms plus denor of!ce on main "oor. You will also !nd abeautiful new 1 bedroom apartment to theleft of the home offering an eat-in kitchen,formal dining room and a huge recreationroom plus a 4 bay garage! A must to see!

More FEATURED PROPERTIES fromJAN JACQUES & COMPANY

Newly Listed $262,000Newly Listed $250,000

Visitwww.JanJacques.comto view visual tours, interior photos

and ALLMaine listings.


“Make the Right Move…Call Us Today! ”

A!"#$%#&'Team L ’ItalienTeam L ’Italien

TEAM L’ITALIENTEAM L’ITALIEN

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

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NEW LISTING!

ENDLESS POSSIBILITIESwith this 4000 sq.ft. hall in

Sabattus on 8+ wooded acres w/tons of parking! Features 2 eventrooms w/kitchens, 2 bars, stage,double !replaces, ample seating& bathrooms. Ideal for privateclub, hall rentals or catering!

Call John at 754.9492

Awesome Ranch inSabattus. Features 3

bedrooms, new roof, windows,doors, paint "ooring and more!

Partially !nished basementand attached heated garage!#1057960 ONLY $149,900!

Call Laura 212.8633

NEW LISTING!

TO BE BUILTCONDO

IN AUBURN!Features quiet

intown location,25 common acres,

2 car garage,2 bedrooms,

hardwood & more.Close to shopping!

$199,000.Call Laura at

212.8633For more details.

NEW LISTING

Gorgeous Cape inSabattus. Features new

kitchen, windows, plumbing,SS apliances, carpets, paint

& more! Also offers largedeck & large backyard.Close to Martin’s Point

Beach. #1084455ONLY $93,500!

Call Laura at 212.8633LEWISTON

Gorgeous fully rented2 unit in Lewiston.

Features garage, fencedin yard, 3 season porch,vinyl windows and siding

and more! Awesomeowner occupy!! #1070356

ONLY $77,000!Roy 754.6789

MINOT

Gorgeous mobile in Mi-not. Features 9 acres, atv/snowmobile trails, 2 sheds,portable car port & deck.Mobile has been tastefullyremodeled & is being sold

furnished. #1074946ONLY $85,000!

Call Roy at 754.6789

Cute river frontproperty in Auburn.

Features hardwood "oors,upd kitchen, formal dining,

built-ins, deck, fencedin back yard & awesomewater views!! #1049302

ONLY $65,000!Laura 212.8633

LEWISTON

Gorgeous & SpaciousCape in Lewiston.Features

5 bedrooms, 2 baths,hardwood, built-ins, formal

dining, 2 car attachedgarage, 3 season porch &newer shingles. #1065554

ONLY $149,900!Call Roy at 754.6789

NEW LISTING!

Cute Cape in Lewiston.Features shed/workshop,upd electrical & plumbing,new paint, new carpets,vinyl windows & more!!!

#1078405 ONLY $45,000!!!Lot rent is $155 / mth.Call John at 754.9492

WHY RENT?

WELL KEPT & FULLYRENTED 3 UNIT in

Lewiston. Features niceyard, 3 car garage, ampleparking, porches, laundry

hook-ups & newer fur-nace. ONLY $99,900!

CALL ROY AT 754.6789

Attractive and updatedcape. Centrally located nearbus terminal and all in townamenities. Newer windows,siding, roof, flooring. Why

rent when you can own thislovely home!! #1066092

ONLY $55,000!John 754.9492

WHY RENT? NEW LISTING! / BOWDOIN

1999 Custom built contem-porary on 18+ private acres.

offers newer appliances,hardwood "oors, sunroom,decks, custom bathroom w/spa tub. Has 2nd driveway

& lots already cleared.#1075373

ONLY $134,900!Call John at 754.9492

AWESOME RANCH

Remodeled Ranch inLewiston. Features in-

ground pool, pool house,sun deck for entertaining aswell as new roof, appliances,

flooring and furnace andMORE! Centrally locatednear amenities. #1078320

ONLY $137,000!Call John at 754.9492

POLAND

Gorgeous gambrel inPoland. Features 1.4

acres, in-ground pool,patio, 2 car attached

garage, landscaping, 3bedrooms, 2 baths, formal

dining, pellet stove, 1stfloor laundry & mudroom.

Only $215,000!Roy 754.6789

Awesome 2009 custombuilt Colonial in Auburn near

country club & turnpike. Offersapproximately 3,000 sq. ft., 5

bedrooms, 3 baths, open concept,master suite, gorgeous granite

counters & hardwood "oors, 1st"oor laundry, porch & 2 car garage.

#1052073. Price reduced to$219,900! Call Laura at 212.8633

AWESOME 2009 COLONIAL! NEW LISTING!

6 Unit in Lewiston.Features vinyl windows,

porches, coin-op &more! Apartments arein good shape. ONLY$149,900! Call Roy at

754.6789

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RIVER FRONT!

Century 21 Advantage • 506 Main Street, Lewiston


“Make the Right Move…Call Us Today! ”

A!"#$%#&'Team L ’ItalienTeam L ’Italien

TEAM L’ITALIENTEAM L’ITALIEN

RoyL’itaLien LauRa

DRinkwateR

A$&('W)(%'B*+,'*/O-$'*

JohnSuLLivan

754-6789

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

POLAND

Gorgeous gambrel in Poland.Features 1.4 acres, in-groundpool, patio, 2 car attachedgarage, landscaping, 3 bedrooms,2 baths, formal dining, pellet stove,1st !oor laundry & mudroom.Only $215,000! Roy 754.6789

Awesome 2009 custom built Colonial inAuburn near country club & turnpike. Offersapproximately 3,000 sq. ft., 5 bedrooms, 3 baths,open concept, master suite, gorgeous granitecounters & hardwood !oors, 1st !oor laundry, porch& 2 car garage.#1052073. Price reduced to $219,900!Call Laura at 212.8633

NEW LISTING

1994 ranch in Minot with gorgeous2005 in-law apartment! Features 2acres, deck, 2 car attached garage withbreezeway, 2 car garage under, woodstove,pine !oors, hot tub and more! Lots of roomhere for your toys! #1068488 Pricereduced to $199,900!!! Roy 754.6789

Gorgeous 2006 raised ranch inSumner. Features 3.4 acres, deck,gorgeous views, stone patio, heatedgarage, open concept, 2 baths, walk-outbasement & gen transfer! Move in ready!#1079676 Only $152,500.Roy 754.6789

NEW LISTING!

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Century 21 Advantage • 506 Main Street, Lewiston

SOLD!

SaLePenDing


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

Become the homeowner you always dreamed of being!


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


Private SettingSolid home with sun !lled kitchen & familyroom. Offers 1st "oor bedroom, of!ce, full

basement, garage & heated workshop. Wellmaintained home with large wrap around deck.

Call Bethany

Spacious homewith 1,350+/- sq ft of of!ce space. Fantastic

location with plenty of visibility. Home offers lots ofwindows facing the private backyard. Fireplace infamily room & master bedroom. Plenty of parking

+ 2 car garage.$450,000 Call Jerry

One !oor living!Freshly painted inside, hardwood "oors

& updated breezeway. Full basement withroom for workspace. Attached 2 car garage.

Attractive level & fenced in lot.$139,000 Call Jerry!

7 Unitmulti family building with nice

mix of 1,2 and 3 bedroomapartments. Off street parking.

$100,000 Call Jerry

LewistonIn town affordable 3 bedroom home. Kitchenboasts high end stainless range along with

double wall ovens. Nice back yard with deck.New Roof! Great price and affordable taxes

make this a must see!$54,000 Call Jerry

12 Unitinvestment property. Enclosed porches

and storage sheds for tenants. Off streetparking.

$190,000 Call Jerry

6 Unitmulti-family building with fenced in backyard.

Large porch and off street parking. Listedand ready to sell.

$90,000 Call Jerry

25 Unit Package

Mixture of 1, 2 & 3bedrooms

$360,000Call Jerry

HOUSE BUYING TIP #4ORGANIZE YOUR PAPERWORK. YOU WILL NEED .....

• Your Credit Report. Banks run their own copy, but you need to get your own Credit Report toverify that it is correct.

• Bank statements for the last 2-6 months. 3 months is typical.• If you had a bankruptcy, collect all the paperwork together.• Last 2 consecutive pay stubs. Get 60 days worth, some banks ask for more.• Monthly statements or coupon books from loans you are paying off.• Last 2 W2 Forms. Some banks ask for your previous 2 tax filings.• Property tax statement from last year if you paid any.• If you are a recent graduate, get your transcripts, they will ask for them.• A form from your utility company stating that you are current on your bills. Most utilities

have a standard form ready to fax out.• Income from divorce, alimony, Social Security, gaming, lawsuits, inheritance.• Your drivers license & social security card.• Car titles, if you own your car 100%.• Retirement plan statements for the last 3 months.• Statements from your Stock, Mutual Fund, or IRA accounts.• Any other 1099 forms that companies sent you for doing work for them.• Your last 3 credit card statements showing nice low balances. They will check your credit

report for this, but have it ready in case they ask for it.• If any income is derived from ownership in a corporation, banks ask for the corporate tax

return, even though earnings appear on your Schedule K. They verify income because ifyour down payment was from an illegal source, the government can seize your house,leaving the bank stranded.


$250,000.00Business Owners

Contact Stephanie Lewis to learn [email protected]

207-784-0161 • www.economicgrowth.org

Business loans available up to

Are you expanding, purchasing state-of-the-artequipment, upgrading your machinery, thinking of

starting a new company or even looking for anew business home?

Lewiston Development Corporation

• Prime 5.33 acre lot in Lewiston Industrial Park, a mile from Exit #80.• Site is graded and pad ready for building construction.• Fully permitted & approved for 150’ x 300’ or 48,000 sq. !. building.• Public water & sewer, 3-phase power, natural gas already installed.

Attention

equal opportunity lender


How to Feel at Home After You Move(ARA) - Moving to a new community can be a great adventure, if you go with the right attitudeand a sound strategy for settling in. Make an action plan and you’ll stay focused, organized andproactive -- just what’s needed to put roots down fast.

Before You Go* Complete a change of address form with the post of!ce, which can be done online at usps.com.

You’ll also want to send your new address to any publications you subscribe to.* Make initial contact with childcare facilities. Depending on the area you move to, you may

need to put your name on a waiting list.* If possible, enroll your children in school. Firm plans will reduce the stress.* Pack a box with essentials for your !rst few nights, such as prescription medicine,

toiletries, a telephone, clothing, towels, toilet paper and bed linen.* You’ll also want to make arrangements to have utilities transferred to your name or turned on.

Upon Arrival* For safety and peace of mind, change the locks.* Locate emergency services -- police and !re stations and the closest hospital.* Hang drapes or curtains to give you some privacy.* Select one room, perhaps the family room, as a place of refuge. Make it a cozy space, free

of unpacked boxes, empty cartons or anything else move-related.* Stock the fridge with prepared entrees and the makings for no-fuss meals.

The First Week* Check with the post of!ce to see if they are holding mail for you. Finish sending out

change of address to credit card companies, clubs, associations, friends and family.* File away all documents related to the move. You’ll need them for veri!cation of moving

expenses at tax time.* Call your waste removal company or department of sanitation for a trash collection schedule.* Update your driver’s license and transfer the vehicle registration.

* Register to vote.* Take a tour of your neighborhood

to become familiar with your newsurroundings.Learn the routes to work, school,grocers, etc.

Help Your Children Adjust* Maintain family routines.

Kids will appreciate the continuityof family life.

* Involve the kids. Allow them toselect new furnishings or decoratetheir rooms.

* Visit the local playground.* Try to be home when the children

return from their !rst day at school. Kids feel reassured when a parent is there to hear abouttheir day.

Get Involved in the Community* Spend time outdoors. Neighbors may greet you and come by for sidewalk chats.* Walk your dog in an area where you see other dog owners congregating.* Schedule an after-work coffee or dessert hour. Invite neighbors to drop by.* Choose a place to worship and get involved; consider doing volunteer work.* Select professional service providers such as doctor, dentist and !nancial and/or tax advisor.* Join a club or take up activities you enjoyed before the move.* Take a job-related class to develop new professional contacts and update skills.

Don’t hesitate to contact local !nancial and real estate professionals for more ideas or informa-tion about your new community. By re-establishing daily patterns and developing ties soon afterarrival, your new environment will feel like home in no time.

– Courtesy of ARAcontent


PREAPPROVALIf you think homeownership is for you, getting pre-approved for amortgage is a good idea. This determines the size of the mortgageyou qualify for, and therefore, decides the price range for the homesyou can look at.

Pre-approval helps you to:

• Know how much you can borrow.• Confirm your ability to qualify for a mortgage

based on your credit, financial and employmentinformation.

• Strengthen your position to make an offer on a house.A seller will be more willing to accept an offer if the buyer ispre-approved.

To become pre-approved, you'll need to work with a mortgagelender. The mortgage lender will review your credit history, earningsinformation, employment history and assets. You will need toprovide certain documents to the lender to verify this information.

After the review, the lender will give you a "pre-approval letter." Thepre-approval letter tells home sellers that you have the ability toqualify for a certain mortgage amount.

A pre-approval letter tells home sellers that you have the ability toqualify for a mortgage.

Getting pre-approved is not the same thing as getting pre-qualified.Pre-qualification simply states that the borrower qualifies for a loanbased on some preliminary questions but does not commit themortgage lender to approve the mortgage. The mortgage lender willstill have to conduct a complete review of your financial situation,including your credit report and your income and employmenthistory.

The pre-approval processis more thorough. Thelender does most of thework for full approvalexcept for an appraisaland title search becausethere is no propertyidentified to buy.


Top 10 Remodeling Projects That Offerthe Biggest Returns On February 18, 2013,

in Home Trends, Remodeling Adviser,by Melissa Tracey

1. Entry door replacement (steel)Estimated job cost: $1,137Return on investment at resale:85.6%

2. Deck addition (wood)Job cost: $9,327ROI: 77.3%

3. Garage door replacementJob cost: $1,496ROI: 75.7%

4. Minor kitchen remodelJob cost: $18,527ROI: 75.4%

5. Window replacement (wood)Job cost: $10,708ROI: 73.3%

6. Attic bedroomJob cost: $47,919ROI: 72.9%

7. Siding replacement (vinyl)Job cost: $11,192ROI: 72.9%

8. Window replacement (vinyl)Job cost: $9,770ROI: 71.2%

9. Basement remodelJob cost: $61,303ROI: 70.3%

10. Major kitchen remodelJob cost: $53,931ROI: 68.9%

Courtesy of Androscoggin Valley Board of Realtors

By Melissa Dittmann Tracey, REALTOR(R) MagazineHome owners are investing in their homes once again, according to recentindustry surveys that point to a strong rebound taking hold in home remodeling.Home owners also may be seeing higher gains from some of these remodelingprojects at resale, according to the most recent Cost vs. Value Report, whichreviews the top remodeling projects that offer the highest returns at resale. TheCost vs. Value Report is conducted each year by Remodeling Magazine,in conjunction with REALTOR(R) Magazine.

So, which remodeling projects offer the potential for some of the biggestpay-backs at resale? The following mid-range remodeling jobs offer the highestreturns, according to the 2013 Cost vs. Value Report.


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

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

TERRY HEWITT

BELANGER REALTY

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

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

WHITNEY PONDThis affordable classic Maine cottage sits rightat waters edge of Whitney Pond, expansive

water views, large screened porch, 2 Ponds inone...boat from Whitney to Hogan Pond.

Year round access.$149,000

OXFORDThis large ranch on a beautifully landscaped

lot offers, a deck, 1 car garage, 2 outbuildings, sauna, sun room, huge kitchen,

open !oor plan and much more.A MUST SEE!$119,900

POLANDThis Almost new ranch offers covered porch,

gleaming hard wood and tile !oors, open!oor plan, huge bath and much more.

$149,900

POLAND PARKImmaculate double-wide, largescreened-in porch, 2 full baths,public rights to Tripp Lake justaround the corner, appliancesincluded, Many new updates!

$39,900

THOMPSON LAKEThis Thompson Lake 4 seasoncottage offers expansive water

views, easy year round access, lotsof windows, wood !oors, propane"replace, pine interior, deck, dockand many updates. Enjoy pristine

Thompson Lake all year long!$249,900

THOMPSON LAKE RIGHTSThis large well cared for cape offers

rights to pristine Thompson Lake juststeps away, huge sandy beach andboat launch, wood and tile !oors,new family room, large kitchen, 2

car garage, well landscaped lot andmuch more! A MUST SEE!

$225,000

WONDERFUL LOCATIONOXFORD

Over 5 acres of peace and serenityWatch the wild life from your

front door. This newly updatedranch offers, open !oor plan,

new !ooring, new roof, recentlypainted, 3 bedrooms and 1.5 baths.Affordable living loaded with extras!

$119,000

THOMPSON LAKEThis quality built, immaculate,

year-round home with expansiveThompson Lake & Mt. views fromalmost every room offers 4 largebedrooms, open !oor, cathedralceilings, 420 feet of waterfront,2 dock systems, HUGE garage.

$449,000

POLANDThis older mobile with an addition

offers 2 enclosed porches,2 car garage, and wood burningstove with brick hearth. Home issituated on a nice parcel of land.

Price to sell!$59,900

WHITNEY PONDThis classic Maine Cottage on

Whitney Pond offers 4 bedrooms,large deck, wonderful water

views, sandy bottom for greatswimming, wood stove, wood

!oors, year round access, large lotand much more!$189,000

THOMPSON LAKE2 car garage with guest quarters

on Pristine Thompson Lake.8.3 acres of peace and serenity.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 screenedporch, deck,3 wood stoves, wood & tile

!oors, 2 baths, cathedral ceilings, exposedbeams, 1st !oor master, tar drive, huge

garage, plus much more!$289,000

POLANDQuality home offers wrap around covered

porch, grand "replace, wood and tiles !oors,sun room, decks, 2 baths, formal dining room,

large barn + 2 car garage, Pastoral viewsof Tripp Lk. Gorgeous woodwork,updated

systems, was used as B&B at one time.$179,000

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 waterviews, patio and deck area, tar drive, sandy

waterfront on pristine Thompson Lake.$349,900

Documents

April RER 2013