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$374,900 Mortgage Calculator
18 HAMILTON GATE CT
North Kingstown, RI / 02852
MLS# 1094456
Type: Condo
Complex Name: HAMILTON GATE
Beds: 2 Beds
Baths: 2 Full / 0 Half
Living Area: 1,614 sq. ft.
Style Type: One Level, Registered Adult Community
Listed by: Neil ZARTARIAN GREATER R.I. PROPERTIES, LLC
Office: 401-295-4050
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$798,000 Mortgage Calculator
1 SEFTON DR
Cranston, RI / 02905
MLS# 1093600
Type: Condo
Complex Name: Sefton Heights
Beds: 2 Beds
Baths: 2 Full / 1 Half
Living Area: 2,649 sq. ft.
Style Type: Town House
Listed by: Steven Miller COLDWELL BANKER RESIDENTIAL BR
Office: 401-884-8050
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$529,000 Mortgage Calculator
3 PRIMROSE LANE
Rehoboth, MA / 02769
MLS# 1063746
Type: Single Family
Neighborhood: THE PRESERVE
Beds: 3 Beds
Baths: 2 Full / 0 Half
Living Area: 1,800 sq. ft.
Lot Size: 60,000 sq. ft.
Listed by: Jennifer Mello The Mello Group, Inc.
Office: 508-640-0505
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$350,000 Mortgage Calculator
0 TOWER HILL RD
Cumberland, RI / 02864
MLS# 1008191
Type: Vacant Land
Neighborhood: TOWER HILL
Lot Frontage: 1,742 ft.
Lot Size: 2,285,593 sq. ft.
Lot Type: Residential, Agriculture
Listed by: Deb Jobin & Company RE/MAX River's Edge - Bristol
Office: 401-254-1776
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$745,000 Mortgage Calculator
0 CRAIG DR
Barrington, RI / 02806
MLS# 1096524 NEW
Type: Single Family
Neighborhood: BARRINGTON RIVER VIEWS
Beds: 4 Beds
Baths: 4 Full / 0 Half
Living Area: 4,500 sq. ft.
Lot Size: 29,186 sq. ft.
Listed by: Nancy Weaver Residential Properties, Ltd.
Office: 401-245-9600
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$259,000 Mortgage Calculator
480 RESERVOIR AV
Cranston, RI / 02910
MLS# 1093646
Type: Commercial
Neighborhood:
# of Buildings: 1
Total Sq Ft: 1,600 sq. ft.
Building Type: Commercial
Listed by: Janis CAPPELLO COLDWELL BANKER RESIDENTIAL BR
Office: 401-884-8050
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$152,900 Mortgage Calculator
15 SAW MILL DR
North Kingstown, RI / 02852
MLS# 1083952
Type: Condo
Complex Name: Saw Mill Square
Beds: 1 Beds
Baths: 1 Full / 0 Half
Living Area: 980 sq. ft.
Style Type: One Level
Listed by: Marc Bibeault HomeSmart Professionals RE
Office: 401-921-5011
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$248,900 Mortgage Calculator
110 RESERVOIR RD
Coventry, RI / 02816
MLS# 1085908
Type: Single Family
Neighborhood: WOOD ESTATES NORTH
Beds: 3 Beds
Baths: 1 Full / 1 Half
Living Area: 1,890 sq. ft.
Lot Size: 14,810 sq. ft.
Listed by: Tyler Gammons PRUDENTIAL GAMMONS REALTY
Office: 401-886-6100
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$225,000 Mortgage Calculator
171 CHESTNUT ST
Providence, RI / 02903
MLS# 1095820
Type: Business
Neighborhood: JEWELRY DISTRICT
Total Sq Ft: 4,620 sq. ft.
Business Type: Other
Year Est: 2001
Listed by: Gayle Moone Real Estate Masters, Inc.
Office: 401-738-1130
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$679,000 Mortgage Calculator
60 SOUTH OF COMMONS RD
Little Compton, RI / 02837
MLS# 1094593
Type: Single Family
Neighborhood: COMMONS
Beds: 3 Beds
Baths: 2 Full / 1 Half
Living Area: 2,038 sq. ft.
Lot Size: 35,000 sq. ft.
Listed by: Welchman Grp Real Estate Group KELLER WILLIAMS RLTY NEWPORT
Office: 401-845-9200
Lila Delman - Serving buyers and sellers of fine properties since 1964.
 
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Lila Delman - Serving buyers and sellers of fine properties since 1964. Click here for Stateline Insurance & Financial Services, Inc.

Are You Ready to Buy?

Buying a home is considered one of the most complicated and stressful financial transactions a consumer will ever make.

One of the keys to making the homebuying process easier and more understandable is planning. In doing so, you'll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the homebuying process.

Do You Know What You Want?

Whether you are a first-time homebuyer or entering the marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new community due to a lifestyle change or is buying an option and not a requirement? What would you like in terms of real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals. As an interesting exercise, it can be worthwhile to look at the questions above and to then discuss them in detail when meeting with local REALTORS®.

Do You Have The Money?

Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the downpayment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative loan programs have evolved which require a 5 percent downpayment or less. In fact, a number of programs now allow purchasers to buy real estate with nothing down.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so most homebuyers choose to buy with some cash up front.

As to closing costs, in markets where buyers have leverage, it may be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses. Speak with local REALTORS® for details.

Is Your Financial House in Order?

Those great loans with little or nothing down are not available to everyone: You need good credit. For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.

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