june 2012

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

Connecting you with your community

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

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June 2012

AUBURN COUNTRY HOME

KELLER WILLIAMS REALTYwww.georgegreenwood.kwrealty.com • 344-3300

JERRY DOUGLASS REALTYwww.JerryDouglassRealty.com • 782-2209

LARGE SABATTUS COLONIAL

4 bedrooms, 4 baths& 1st floor laundry.Family room withfireplace, office, jr.office, security system& 2 car garage. Finishedbasement. Attractive1 acre lot. $274,900Call Jerry Douglass

2 bedrooms, 1/2 bath, couldadd 3rd bedrm in walkoutbasement. Open concept,tastefully decorated andimpeccably maintained inside& out. Fireplace, eat-in kitchen,gorgeous perennial gardens &stonescape. Full length deckoverlooking secluded backyard.List Price $158,500

2 Real Estate Review June 2012

207-344-3250

195 Center StreetAuburn, ME 04210

Reduced $329,000 Reduced $330,000

Lewiston $329,900 Reduced $180,000

2-Unit $150,000

Custom $150,000 Reduced $112,900 Renovated $225,000

Fairview Cul-de-SacThree !oors of living plus great"nished basement. Gorgeousmaster suite, deck & pool!

Call Marnie DuBois 312-2125

Fairview ContemporaryBrand-new kitchen, cathedral ceilings and1st ! master suite. Nice covered patio for

entertaining. Open and airy!

Year-Round WaterfrontWater view from every room!New roof, fresh paint, sandybeach & dock on double lot.Call Marnie DuBois 312-2125

New Auburn Multi-FamilyWell-kept 3-unit has 3-car

garage plus new boiler, windows& 3-story porch. Nice location,walk to shopping, restaurants.

To Be BuiltAdorable 2-bed Ranch (or otherdesign) on pretty lot close togolf & amenities. Easy driveto Portland or Augusta.

No Name PondGranite/maple kitchen, gas fp,master suite. Deck, in-groundheated pool, 3-car garage. Water

rights. Great house!

Beautiful SettingAll new wood & tile !oors,kitchen & baths. Fireplaces,woodstove hookups, hugegarage & in-ground pool.

Country Living Near TownThree-bed w/tin ceilings, hw!oors, 3-season sunrm, two 2-car garages, 4+ country acres& stone fences. Take a look!

Anasagunticook (Canton) LakeYear-round Chalet with 100’ of lakefront.Open-concept w/big view windows, 1st !master, cathedral ceiling, deck and dock!

Just Listed $225,000

Adorable RanchUpdated kitchen and bath,deck and nice yard in this 2-bedroom Ranch in NewAuburn. Newer roof, too!

Big, Beautiful ColonialSpacious rooms, high ceilings& 3 fps, plus expanded kitchenw/pantry. Newer boiler, roof &siding. Great value per sq ft!

Gentleman’s FarmWell-kept house & barn on 9+acres. Farmhouse w/charmingkitchen, 4 beds, huge studio,covered porch. Workshop, too!

19 Acres in West AuburnPicturesque gambrel w/viewof Lake Auburn. Nice kitchen,heated pool, deck, 2 barns &

paddock. Motivated!

Investment or Owner-OccupyNicely renovated, w/charminginterior. HW !oors, new win-dows, fresh paint. Storage

& parking. Home biz location!

Just Listed $105,000 5,000+ SF $369,000

Hebron $293,000 Acreage $275,000

Rural ContemporaryImpeccable 4-bed, 3.5 bathw/master ste., great room,

tile/maple !oors & gas fp. Newcarpet, lighting & ss kitchen!


Country Colonial in PolandLovely home with formal dining& living, fam. room w/gas "re-place, "nished basement. Deck,pool, new roof & fresh paint!

Reduced $232,000

Bear Pond CampEnjoy 100’ of waterfront in this furnished2-bedroom get-away. Dock included!

Call Marnie DuBois 312-2125

Just Listed $225,000Litch"eld Ranch Has So Much to Offer!Brand-new granite counters, dual heatsystems, 1st ! master ste, 2nd ! familyroom, patio & pool. Covered porch.


Newly Renovated in RumfordSpacious 4-bed home has newroof, oil tank, Buderus boiler,windows & siding. Gas stove,all appl., & wired for generator!

Scenic SettingNice Colonial features hw!oors, granite/stainless

kitchen & family room overgarage. Close to golf course!

Reduced $225,000

Reduced $179,900

4-Season $385,000

3Real Estate ReviewJune 2012

681 Sabattus Street, Lewiston

Norm & Denise Brodeur(207) 376-4830Broker/Owner [email protected]

MOVE-IN CONDITION GORGEOUS LOCATION! PRICE REDUCED!

ROW TO LAKE

Almost new! Year-round home w/lovelyhardwood & tile flrs. Granite counters& stainless steel appliances. Very economicalto heat! Qualifies for Rural Development.$159,000 MLS #1052290 NORM 754-6060

A RARE OPPORTUNITY!

Manchester Stunning Equestrian Center w/indoorriding arena. Currently w/13 stalls, expandable to18 or more! Perfect for clinics, lessons & other uses.Two spacious apts. All this & more on 15 ACRES!!$525,000 MLS #1048143 NORM 754-6060

Built in 1995 Duplex-style 2 family w/+-3.60ACRES! Nice country location in Auburn.Finished walk-out basement in owner's unitw/1.5 Baths. New leachfield! $165,000MLS #1053113 NORM 754-6060

Beautiful end-unit condo w/1280 sq.ft!Fully-applianced kitchen w/lots of oakcabinets. 3 BDRMS, 1.5 BA., deck,1 car garage & basement. $105,000MLS #1033718 NORM 754-6060

Build your new home on this +- .78 acrelot on a cul-de-sac surrounded by newlybuilt beautiful homes! Near Country Club& convenient to I-95 & 295. $61,500MLS #1040087 NORM 754-6060

Lovely colonial built in 2006! 4 BDRMS,1.5 BA., +-1708 sq. ft! Farmer's porchw/daylight basement! Very nice neighborhoodon dead-end street. $179,000 MLS # 1044592NORM 754-6060

Dodie 423-4486

Josh 240-9266

Laura 333-2321

Diane 754-5200

Tracie 577-7937Brian 713-1618

Gloria 418-7568

NEW LISTING!

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.


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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.


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

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

TERRY HEWITTBELANGER REALTY

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

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

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

RANGE POND POLANDThis gorgeous new home offers 200 ft. ofsandy frontage on Middle Range Pond,spectacular sunsets,2 car plus storage

under, open concept, custom kitchen withgranite counter tops, sunroom, decks, 2

woodstoves, 2.5 baths. Lots of windows andmuch more. $599,000

THOMPSON LAKE2 car garage with guest quarterson Pristine Thompson Lake. 8.3acres of peace and serenity. 200

feet of deep wate frontage. 2 hugedecks, fieldstone fireplace, 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

floors, 2 baths, cathedral ceilings, exposedbeams, 1st floor master, tar drive, huge

garage, plus much more!$300,000

OXFORD CAPE WITH APARTMENTThis newly renovated Cape offers an in-law apartment,

wood and tile floors, custom kitchen with granite counter-tops, 3 baths, wood stove, large deck, tons of space,

all on a wonderful lot. EVERYTHING IS NEW!!$249,900

RANGE POND POLANDQuality built year round waterfront home

on Upper Range Pond. This new homeoffers 2 full baths, garage, deck, expansivewater views, custom kitchen, new bamboofloors, plus much more. all on a wonderfullot with a level sandy beach area. Daylight

basement. $324,900

THOMPSON LAKE17 ACRES

ONE OF A KIND! This property offers685+/- waterfront, 17 acres of land,

sandy beach, 3 bedroom2 bath year-round lakefront Cottage,2-car garage, large deck and more

land available. $795,000

THOMPSON LAKE CONDOThis quality home sits at wate’sedge and offers custom kitchen

with granite, fireplace, huge deck,sunroom, wood & tile floors.Maintenance-free living on 86acres, tennis and BBall courts,sandy beach, docks and boat

moorings. $300,000

NORWAYThis quality home with spectacular mt.views offers gas fireplace, wood & tilefloors, grand foyer area, formal diningroom, 2.5 baths, master bath w/jetted

rub, pantry, composite decking, oversizedgarage, plus 924 ft. bonus room waiting

to be finished.$289,000

THOMPSON LAKEThis quality built, immaculate, year-round home with expansive Thomp-son Lake & Mt. views from almost

every room offers 4 large bedrooms,open floor, cathedral ceilings, 420feet of waterfront, 2 dock systems,

HUGE garage which currently stores10 boats. $475,000

THOMPSON LAKE BEAUTYGorgeous year-round home offers wood

& tile floors, stone fireplace,3 or 4 bedrooms, HUGE custom kitchen

and dining area, large master suite,2 full baths, expansive water views,patio and deck area, tar drive, sandy

waterfront on pristine Thompson Lake.$375,000

THOMPSON LAKEThis East Shore 4-season cottage onpristine Thompson Lake offers ex-

pansive water views, lots of privacy,level lot, sandy beach, open floor

plan, 1.5 baths, huge wrap-arounddeck, 1 car garage, EVERYTHING inthe home is new in 2007, do not

miss this one! $338,000

MECHANIC FALLSOne of a kind!! This tastefully

restored Farmhouse offers, woodand tile floors, custom kitchen,

radiant heat, workshop, oversizedgarage, cathedral ceilings, loft,

huge master bedroom, pool, cov-ered porch, 4 bedrooms and much

more. $225,000

POLANDThis unique property offers, wood and tile floors, open floor plan,cathedral ceilings, screened & covered porch, deck, in-law apart-

ment, 2 car garage, outbuilding, patio, all on a wonderful piece ofland in a very nice location, dead-end street,

$185,000

WHITNEY PONDThis classic Maine Cottage on

Whitney Pond offers 4 bedrooms,large deck, wonderful water views,sandy bottom for great swimming,woodstove, wood floors, year round

access, large lot and much more!$225,000

PRICE REDUCED


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.


Recently professionally renovated. 1992 Burlington.Located in one of Central Maine’s finer communities.3 bedrooms, 1 3/4 baths, large living area, 16’ wide home.

$33,000

New 28x52 Marlette, Hearthside, 3 bedrooms, 2 baths, all sheetrock, 5/12 residentialroof pitch, gas fireplace with flat screen TV, oak cabinets, dishwasher, disposal,refrigerator, stove, built-in oven, 8x12 deck. Room for single car garage andmany otheroptions and upgrades. Setup and waiting for you at Fox Run Residential Community.

$84,900

New14x64Marlette, 2 bedrooms, 2 baths, fully appliancedincluding dishwasher and disposal. Oak cabinets, manyextras! Includes complete setup with front porch anddeck. To be setup at Fox Run Residential Community.

$49,900

New Marlette, 24x52 Pendant all-drywall home.3bedrooms,2baths, fully applianced includingdishwasherand disposal. Oak cabinets, fully loaded. Includes completesetup at Fox Run Residential Community.

$79,900

2000 Marlette by Shult, Smart Buy 1, 3 bedrooms, 2 baths,located in one of Central Maine’s finer communities.

$35,000

www.foxrunhomes.comA Clayton Five Star Customer Service Awardrecipient given for consistently achieving thehighest levels of customer satisfaction!

1286 Sabattus Street, Lewiston


ADVANTAGE

Ann ParkerBROKER/REALTOR

506 Main StreetLewiston, ME 04240Cell: 754-7809

Direct line:783-8115 Ext. 225Email: [email protected]

Betty Burnham207-754-8105 Ext. [email protected]

506 Main Street, Lewiston, ME 04240

Affordable country living with lowtaxes and low heating costs. Threebedrooms and over an acre of privacy,yet convenient to town. Gorgeous backyard with outdoor fireplace and beautifullandscaping. Two huge storage sheds.Wonderful neighborhood. $79,900. CallAnn Parker @ 754-7809.

Former electricians shop with somany possibilities. Large overheadgarage door for truck access andstorage. Office space and mostlywarehouse-type areas. Greatfor plumbers, contractors, andelectricians, etc. Convenient locationand priced to go!! $32,000. Call AnnParker @ 754-7809.

Step into yester year in this 1860home w/ 4 bedrooms and 1 bath.Many possibilities. New furnaceand recently insulated. Close tomany outdoor activities. Greatpiece of history! $149,900. Call Zach@ 240-8736.

One of a kind, well maintained doublewideon full foundation. Spectacular family roomand backyard for your personal enjoyment.Home has many updates and alsohas a pool and decks for summer timefun. A MUST SEE! $115,000. Call Zach@ 240-8736.

Large kitchen and living room,3 bedrooms, full bath. Offers wood floors,tile, mud room and attached garage,deck in rear. Needs some TLC. Closeto amenities. $100,000. Call Zach @240-8736.

Well landscaped Victorian w/ lots ofcharacter on 4 acres. Close to schools,shopping, ATV/snowmobile trails, 30 minsfrom Sunday River, 60 mins from RangeleyLakes & NEW CASINO in Oxford. Home isdefinitely a MUST SEE! $155,000. Call Zach@ 240-8736.

Great rental property or first time homebuyer. Close to everything includingshopping, hospitals, etc. New naturalgas heating system. Don't miss out onthis efficient deal! $59,900. Call Zach@ 240-8736.

2 bedroom waterfront condo on BryantPond. Offers direct access to waterfrom your front door. Fully furnished.Located minutes from Sunday River& Mt. Abrams Ski Resort. A rare find inMaine's western mountains. $119,900.Call Zach @ 240-8736.

Lovely affordable single family home.Three bedroom one bath cape stylehome with a large open living space witha deck that overlooks a nice fenced inbackyard. Park Avenue School district.$113,000 Call Shawna 577-0924

Private country setting. One levelliving with 3 bedroom, 2 bath openconcept home. Great big backyardwith brook frontage. Great to swimin on hot summer days! $140,000.Call Zach @ 240-8736.

Very desirable location forthis wonderful Cape stylehome. Very well maintained 4bedroom home with wonderful26x30 garage with small furnaceon an acre lot. Surrounded bystone wall. Enjoy your seasonalwater views. $159,900. Call Betty@ 754-8105.

Spectacular four bedroomcape in desired neighborhood.New custom kitchen w/ corian& gorgeous cabinets. Hardwood& tile flooring throughout. Formal diningw/ sliders to huge private yardsurrounded by trees. First floor den/office, porch and garage. $164,900. CallAnn Parker @ 754-7809.

One of the most gracious& unique properties. Custom builtfor contractor's family. Ornatewoodwork, 2nd floor has 4 beds& 2 baths. 3 fireplaces. Basementfinished w/ huge rec. room.Wet-bar, laundry, 4 car garage plusworkshop! Must see! $234,000. CallAnn Parker @ 754-7809.

Unique, spacious, private2004 colonial w/ attached 2 car garage& workshop minutes to town.579 sq. ft. unfinished over garageenough for 2-3 more rooms. Masterbath w/ spa tub, radiant heat,generator hook-up, gas fireplace. Toomany amenities to mention! $249,900.Call Betty @ 754-8105.

Wonderfully updated & wellmaintained cape in terrific locationclose to college, hospitals, schools& shopping. Hardwood & tile flooring.Huge deck to private backyard. Threebedrooms, family room in basement.New furnace. Ready for immediateoccupancy. $149,900. Call Ann Parker@ 754-7809.

Gorgeous character of yester yearthat has been meticulously maintained.Oversized cape w/ 4 bed, two baths,two beautiful enclosed porches. Customfinished basement w/ barnboard.Private fenced yard & very convenientlocation. A lot for the money! $143,000.Call Ann Parker @ 754-7809.

Private setting for thisattractive 3 bedroom,2 bath ranch. 2 car attachedand 2 car detached garage,wonderful open & largeback yard. Easy to maintainhome. $185,000. Call Betty@ 754-8105.

NEWPRIC

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REDUCED!

ALBANY TOWNSHIP

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AUBURN

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NEW LISTING CHARACTER

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NEW GLOUCESTER

www.TheMaineTeam.com

WEST PARIS

NormLaplante576-6123

ShawnaCotter577-0924

ZachBlair240-8736

ADVANTAGE


CENTURY 21.REAL ESTATE FOR YOUR WORLD.

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

5 BEDROOMS! GORGEOUS DUPLEX!

Gorgeous Duplex in Sabattus!2-car garage, water views, vinylsiding & windows, character & charm,woodstove, laundry hook-ups & more!Currently owner occupied with $750per mo. rental income. #1007273 Justreduced to $139,900! Roy 754-6789

NEW LISTING!

Beautiful *2004 *Contemporary inLewiston. Features 2 car attached heatedgarage, deck, patio, gorgeous hardwood& tile, fireplace, formal dining, central vac,*huge *bonus room above garage & more.# 1051929. Only $235,000! Roy 754-6789

LOTS OF CHARM!

Cute & Cozy Cape in Paris. Metalroof, vinyl windows, garage, hugestorage shed, fenced-in back yard,updated kitchen & bath, 3 bed-rooms, porch & more! Low heatingcosts! #994601 PRICE REDUCEDTO $107,900! Laura 212-8633

Awesome *2009 *custom built Colonial in Auburnnear country club & turnpike. Offers approximately3,000 sq. ft., *5 bedrooms, 3 baths*, open concept,master suite, gorgeous granite counters & hardwoodfloors, 1stfloor laundry, porch & 2 car garage.#1052073. *Only $275,000!* Call Laura at 212-8633

NEW LISTING!

GORGEOUS MULTI!

Multi in Lewiston. Features2 bedrooms in each unit, updatedplumbing & electrical, 2005 roofshingles, some vinyl windows,hardwood floors, laundry hook-ups& more! #969446 REDUCED TO$89,900! Call John at 754-9492

TeamL’Italien

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RoyL’Italien

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LauraDrinkwater

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Cute Ranch in Mechanic Falls.Features 2 car attached garagewith breezeway, river views, patio,shed, nice yard & some updatesdone. #1042935 Only $110,000!Call Laura at 212-8633

754-6789

Awesome Ranch in Sabattus.Features 3 bedrooms, new roof,windows, doors, paint flooring andmore! Partially finished basementand attached heated garage! ONLY$149,900! Call Laura 212-8633

NEW LISTING!

62+ PRIVATE ACRES!

Rustic Cape in Turner. 62+ privateacres, farmer’s porch, 2-car garage,carriage house, landscaping, trails,pistol range, master suite, 4 bedrooms,4 baths, generator, finished basementw/ WWII bombers bar. #1031086 *Pricereduced to $265,000!*. Laura 212-8633

AWESOME 2006 CAPE!

Gorgeous 2006 Cape in MechanicFalls. Features 4 bedrooms, 3 baths,2.6 acres, 2 car garage, pool, deck,large rooms, formal dining room,hardwood floors & awesome kitchenw/ SS appliances! #1042915 Only$185,000! Call laura at 212-8633

SMARTER. BOLDER.FASTER.

NEW LISTING!

4 season hunting camp / cape in Dexter.Features 53 private acres, ITS trails for atvriding & snowmobiling, open concept, 4bedrooms & huge basement w/ overhead doorto store all your toys! Close to MooseheadLake! ONLY $199,900! Laura 212.8633

Spacious Gambrel in Lewiston.Features 5 bedrooms, new furnace,pellet stove, double living room,hardwood, garage, nice back yard &more! #1044942 ONLY $155,000!Call John at 754.9492

4 CAR GARAGE!

Gorgeous Colonial in Auburn.Features 4 car garage, deckw/ hot tub, 1 acre, hardwood& marble, huge bonus room,skylights, fireplace, security system,master suite & more! #1044253ONLY $250,000! Laura 212-8633

MOVE-IN READY!

Gorgeous Cape in Mechanic Falls.Features fenced in yard, garage,farmer’s porch, new furnace, new vinylsiding, new metal roof, hardwood,3 season porch & more! Move inready! #1046719 ONLY $125,000!Roy 754.6789

MOVE IN READY!

Awesome Colonial in Lewiston.Features nice yard, porch, 4 bedrooms,new pellet stove, formal dining & !finished basement. #1050365 ONLY$122,500! Roy 754.6789

RIVER FRONT!

Cute river front property in Auburn.Features hardwood floors, upd kitchen,formal dining, built-ins, deck, fenced in backyard & awesome water views!! # 1049302ONLY $109,900! Laura 212.8633

RANCH IN GREENE!

Gorgeous Ranch in Greene. Features! acre, patio, landscaping, 3 bedrooms,1.5 baths & ! finished basement.Also offers newer furnace, shingles,septic & leach field. # 1046223ONLY $139,900! John 754.9492

MOVE IN READY!

Gorgeous Ranch in Lewiston!Features .48 acres, hugeback yard, garage & more!#1039297 ONLY $100,900!Mike 212-3684

TURNER BEAUTY!

Turner beauty on 2 acres! 2 cargarage, plus oversized heated 3-cargarage, landscaping, mtn views, in-ground pool, awesome kitchen withcherry cabinets, tile, corian & ssappliances, open concept, cathedralceiling, master suite. #1030514ONLY $260,000! Laura 212-8633

NEW LISTING!

WATERFRONT!

Awesome 4 season camp in Greene.Features 160’ owned wf on Sabattus Lake,gorgeous views, updated kitchen, new "bath, new flooring, new interior paint, hugeliving room w/ fireplace & more! #1039659ONLY $164,900! Roy 754.6789

Gorgeous Mobile in Paris!Features deck, 2 baths, shed, newflooring, ss appliances, mastersuite & more! Move in ready!REDUCED TO $68,900! #1025104Laura 212-8633

VERY NICE MOBILE!


HOW MUCH CAN IAFFORD TO SPEND?

For a general idea of your buying power, multiply your annual grossincome by 2!. For example, if you had a household income of $50,000,you might be able to qualify for a $125,000 home. The actual number maybe more or less, depending upon your individual situation, debts and credithistory.

You need to decide for yourself if you canlive comfortably with the amount of yoursuggested monthly mortgage payment.

However, mortgage lenders generally usetwo ratios to help determine how much youcan afford to spend each month on yourmortgage payment.

HOUSING EXPENSE RATIO

As a general guide your monthly mortgage payment should be less than orequal to a percentage of your income, usually about a quarter of your grossmonthly income. The percentage can change depending on the type ofmortgage you choose. However, there are mortgage productsavailable that focus solely on the debt-to-income ratio. Yourlender can provide more information on these types ofmortgage products.

DEBT-TO-INCOME

Debt-to-Income Ratio is the percentage of gross monthly income that goestoward paying for your monthly housing expense, installment debts, alimony,child support, car payments, and payments on revolving or open-endedaccounts such as credit cards.

Your buying power can be affected by factors such as your income, debt andcredit history. Your debt, such as credit card bills and car loans, and otherexpenses such as housing expenses, alimony and child support, should not bemore than about 30-40% of your gross income.

Some helpful hints...! Set a budget with your estimated mortgage payment. Make sure to include

taxes and insurance in your estimated payments.

! Remember your housing budget should include utilitycosts and a set amount for future home maintenance

and repair costs.

! Make sure you can meet your other financialgoals, such as saving for retirement and payingfor college tuition.

! Once you review your finances, select a mortgage amount thatallows you to reasonably meet your long-term goals and needs.

11Real Estate ReviewJune 2012View ALL MAINE LISTINGS at: www.eraworden.com

#1013230. Both a new kitchen,a new roof and windows in

3 bedroom ranch nearSt. Mary’s Hospital. $105,000

Call Mary Ann 577-2754

Roxbury#1051078. 5.9 acres, log cabin and 2 baygarage off the grid. Gorgeous year-roundretreat or great hunting camp. $65,000

Call Sheila 212-7405

#1047247. A 3 bedroom, 2 bathwith sunroom, new windows,

new roof and new furnace pluswoodstove. $138,000


Roxbury#1027510. 100’ owned sandy beach!3 bedroom, insulated, heated Camp

with 20x20 screen porch. A rare gem.$324,900 Call Sheila 211-7405

#1039575. Stately 4 bedroomColonial on acre of Auburn

outskirts near 4 SeasonRecreation Area. $115,900


#1027089. A 3-4 bedroom inFairview area at end of street. Has2 baths, family room, new windows,

deck and more. $169,900Call Mary Ann 577-2754

#1054038. Cape has private yardwith deck plus 2 baths, family

room, pellet stove, all appliances.$149,900

Call MaryAnn 577-2754

Peru#1039358. 170’ frontage on Worthley Pond.

A year round 1989 Saltbox 3 bedroomhome. Tons of glass, great views, skylights,

cathedral ceiling, .92 acre. $269,000Call Sheila 212-7405

Mexico#999558. Renovated Farmhouse/Duplex.Barn, 2 story shed, 1.15 acre, hardwood

floors. Pristine. Reduced to $119,900Call Sheila 212-7405

Rumford#995967. 10 rooms, 2.2 acres with

175’ frontage of Androscoggin River.2,460 space an absolute gem. $235,000


Auburn#1041793. 3 bedroom, appliances, redone kitchen and bath,

new windows, W/D, gas furnace, tin ceilings, wood floors,backyard, 15x20 room over the garage. Home at the end of

dead-end street. $119,900. Call Mary Ann 577-2754

Sabattus Lake Waterfront#1022064. Has 4 bedrooms,

2 baths, garage, appliances andlawn at water’s edge. $179,000


Worthley Pond#1027249. A 7 Room, 4 bedroom Capewith 30 acres and water frontage. 4 car

(2 bays heated) with overhead apartment.Call for list of amenities. $384,900


Windswept Manor#1020706. Perched high on

Rte. 2 in Rumford. 11 rooms, too manyamenities to mention. $265,000


Mary Ann Norcross577-2754

Sheila Delamater212-7405

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WordenWordenRealtyWordenERA

473 Center Street • Auburn, Maine 04210www.eraworden.com • [email protected]

Tim WordenB r o k e r / O w n e r

784-0159“Happy

Father’s day”

www.eraworden.comwww.eraworden.com

Please welcome to ourERAWorden Team:KELLY PITMAN

577-6187


WANTS VERSUS NEEDSBefore you begin house hunting, create a realistic "shopping list" to narrowyour search and give you an overview of different properties. Looking for ahome can take time, especially if you have not focused on what is mostimportant.

Create a "wish list" and a "must have" list. Many people focus more on "wants"than "needs." As a result, they sometimes reject homes that perfectly meettheir needs in search of homes that meet their wants. That's not to say thatyou shouldn't try to get what you want – you should just be able to tell thedifference between what you really need and what you would like to have.

The following is a chart to help guide you in your search:

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Additional Notes:

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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

970 Baxter BoulevardPortland, Maine

Go to www.mainehomesearch.comfor more info and pictures.

Dawn Belisle-Marston• office - 553-7318• cell - 939-2827

Move in condition! Newwhite kit, pine flooring,3 bdrm, brick hearthw/ wood stove, newroof, windows, siding.Qualifies for RD & FHA!MLS #1048734.

$175,000.

Large split w/ 3 bdrm,1.5 BA, family rm, newwindows, roof & siding.Pretty sunroom w/ largedeck. 2 car garage on.85 ac. MLS #1038310.

$157,900.

NEWGLOUCESTER

SABATTUS

Invest InYour Future!Buy a House Today!


Shoppingfor a Mainehome issimple at


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 difficult to sell.

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


www.JerryDouglassRealty.com • www.JerryDouglassRealty.com • www.JerryDouglassRealty.com

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

• ISN’T IT TIME YOU INVESTED IN REAL ESTATE? •

4 bedrooms & masterbedroom w/ office & fullbath.Family room withgas fireplace, central air

& lg.closets.6.5+/- Acres.

$139,000 Call Jerry

1st floor bedroom,4 season sun room

& screened porch offkitchen.Finished roomupstairs could be extra

bedroom.Walk outbasement.Attractive lot,

last home on street.$85,000 Call Bethany

6 Unit Multi-Family.Ample, paved parkingarea.100% Occupiedwith long term tenants.Building is in excellentcondition - must see

to appreciate!$190,000 Call Jerry

Attractive Lisbon Gam-brel with 3 bedrooms,

2 full baths.Appliances,Woodstoves & securitySystem.Detached Ga-rage.Nicely landscapedwith fenced in backyard.

$130,000 Call Dot

Convenient, intownlocation.3 bedrooms,

enclosed porches,daylight basement& attached garage.

Priced to Sell!$54,900 Call Jerry

4 bedrooms, 4 baths& 1st floor laundry.Family room withfireplace, office, jr.

office, security system& 2 car garage.

Attractive 1 acre lot.$274,900 Call Jerry

2.5 Acre lot home lot.Close to city amenities.Located near turnpike

and Route 196.Priced to Sell!

$28,000 Call Jerry

Attractive .32+/- acre homelot in Bath.Offers privacy &

opportunity for water view.Wasoriginally 3 lots on HarwardHeights Plan.Near publicboat launch.Minutes from

downtown.$35,000 Call Bethany

21 Acres, 1,333í Road Frontage,Surveyed & SoilTested

$52,000

11+ Acres, Surveyed& SoilTested

$40,000 Call Jerry

POLAND HOME

AUBURN CAPE

FULLY OCCUPIED

LISBON GAMBREL

NEW ENGLAND CAPE

SABATTUS COLONIAL

LEWISTON BATHRICHMOND

june 2012

Documents

nice kitchen

deck pool

new roof

kitchen baths

oors of living

new boiler

pondgranitemaple kitchen

country living