Sharon Simmons | Fairhaven, MA Real Estate, Dartmouth, MA Real Estate, Rochester, MA Real Estate


This Single-Family in Mattapoisett, MA recently sold for $480,000. This Cape style home was sold by Sharon Simmons - RE/MAX Vantage.


42 Crystal Spring Rd, Mattapoisett, MA 02739

Single-Family

$499,000
Price
$480,000
Sale Price

6
Rooms
3
Beds
2/1
Full/Half Baths
NEW PRICE! MOTIVATED SELLER! This modern 3-br/2.5-ba extended Cape is located on bucolic Crystal Spring Rd, minutes from the village and easy access to the highway. It offers over 2,200 sq ft of living space, plus 1,000 sq ft of finished basement including bar and entertainment/workout area. The landscaped backyard has a seating area with pergola, fire pit, and in-ground pool all comfortably situated on 1.19 acres. The open concept first floor living room has a 2-story vaulted ceiling and opens to a modern kitchen with direct access to the backyard. The 2nd floor master suite offers privacy with a large vaulted room, walk-in closet and ensuite bath. For the size and amenities, this home is a great value for the money.

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5 Christian St, Fairhaven, MA 02719

Single-Family

$239,900
Price

4
Rooms
2
Beds
1
Baths
OPEN Sun 2/24/19 from 1 - 3...Fairhaven Charm at it's best! Whether you are looking for residence or INCOME Property, this is the one for you. Live by Cushman Park and enjoy outdoor activities such as baseball, basketball, tennis, track and music. Your new home has been well cared for with updated Kitchen, bath, roof, windows and heating system. Basement has high ceilings and easily accessible off kitchen and exterior access. Relax on your front porch. Sweet yard with floral gardens, nicely fenced in. Fort Phoenix Beach and bike path nearby as well as the center with library, great restaurants, town hall, post office, houses of worship, schools and marina. All the benefits of a waterfront community.
Open House
Sunday
February 24 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 5 Christian St, Fairhaven, MA 02719    Get Directions

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You know when you buy a home that your credit score matters, but do you see all of the numbers that matter to your financial picture when you’re buying a home? Your debt-to-income ratio is one of the most critical figures that will influence if you can get a mortgage and what type of rate you can get. 


What Is A Debt-To-Income Ratio?


This number is exactly what it states: the ratio of debt divided by your gross monthly income. Your credit report doesn't include any of this income information. This number is actually the best way to see if you’re living within your means or not. This way, your lender will know your monthly debt payments along with your monthly income.  


If your ratio of debt is high, you may not get a loan or get less desirable interest rates than if you had lower amounts of debt. Even if you have a high credit score, your debt-to-income ratio could affect these things. In reality, a higher debt ratio will make it harder for you to pay back your debt, so it’s important to you. 


How It’s Calculated


You can use an online tool to help you calculate your debt-to-income ratio. You can also use a simple formula if you’re up for doing some math yourself:


Divide your monthly debt payments by your monthly gross income then multiply that number by 100. For example:


Student loans: $400

Car loan: $300

Rent: $700

Income: $4,000 


1400/4000= 0.35 x 100= 35%


Household Ratio


You should also be aware of something called your household ratio. The household is the amount of home-related expenses which includes property taxes, prospective mortgage, home insurance, and more. These costs are divided by your monthly income to get this ratio as well. Obviously, your household debt adds to your financial commitments and is also put into consideration by your lender.    



What’s A Good Debt-To-Income Ratio?


It’s ideal that you keep your ratio less than 36%. Your household ratio should be even lower than this. It’s great to be debt free, but in the real world, that’s not always possible. Your best bet is to be responsible with your finances and work on paying your debt down as much as you can. Then, little by little all of the critical numbers that are required to get a mortgage will fall into place.  

    




5 Christian St, Fairhaven, MA 02719

Single-Family

$239,900
Price

4
Rooms
2
Beds
1
Baths
Fairhaven Charm at it's best! Live by Cushman Park and enjoy outdoor activities such as baseball, basketball, tennis, track and music. Your new home has been well cared for with updated Kitchen, bath, roof, windows and heating system. Basement has high ceilings and easily accessible off kitchen and exterior access. Relax on your front porch. Sweet yard with floral gardens, nicely fenced in. Fort Phoenix Beach and bike path nearby as well as the center with library, great restaurants, town hall, post office, houses of worship, schools and marina. All the benefits of a waterfront community. First Showing Tuesday 5-630pm
Open House
Saturday
February 16 at 1:30 PM to 3:00 PM
Cannot make the Open Houses?
Location: 5 Christian St, Fairhaven, MA 02719    Get Directions

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10 Diamond St, Fairhaven, MA 02719

Sconticut Neck

Single-Family

$99,000
Price

3
Rooms
1
Beds
1
Baths
BUILD YOUR NEW HOME IN FAIRHAVEN'S Water Front Community! BEING SOLD AS LAND ONLY. Flood Zone AE El 14 according to FEMA. Elevations for new build will be lowered end of ins. Property being sold as a lot and must be purchased together with neighboring lot. Map 29 lot 46/72 (10 Diamond) & 73/74 (0 Diamond). Betterment to be assumed by buyer, total to be verified by buyer. No entry to property. CASH SALE ONLY. Being sold for LAND! Previous short sale approval at this price. Lot 73/74 contains 22494 sq ft.
Open House
Saturday
February 16 at 12:00 PM to 1:00 PM
Cannot make the Open Houses?
Location: 10 Diamond St, Fairhaven, MA 02719    Get Directions






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