Marilyn Ellis, CBR, CHMS, LMS, HAFA
Leading Edge Real Estate | 781-944-6060 | yourconciergerealtor@gmail.com


Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/21/2018

#MakeYourMoveToday!!! Take a moment to check out this Andover, Intown High Street rental that is move-in ready. If you're looking for a well maintained, carefree place to live that offers upgrades not normally found in a rental make an appointment you won't be disappointed. All of the appliances are stainless steel, there are shiny hardwood floors, a private entrance with space exclusive to this unit for outdoor entertaining and two convenient off-street parking spaces near the door. Coin-operated washer/dryer are in the basement with additional storage, the backyard is common space, lawn maintenance and snow removal are taken care of by the landlord. Prospective tenants to fill out an application with a credit check.

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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/19/2018

If you’re in the market to buy a home, you’re probably learning many new vocabulary words. Pre-approved and pre-qualified are some buzz words that you’ll need to know. There’s a big difference in the two and how each can help you in the home buying process, so you’ll want to educate yourself. With the proper preparation and knowledge, the home buying process will be much easier for you.  


Pre-Qualification


This is actually the initial step that you should take in the home buying process. Being pre-qualified allows your lender to get some key information from you. Make no mistake that getting pre-qualified is not the same thing as getting pre-approved.


The qualification process allows you to understand how much house you’ll be able to afford. Your lender will look at your income, assets, and general financial picture. There’s not a whole lot of information that your lender actually needs to get you pre-qualified. Many buyers make the mistake of interchanging the words qualified and approval. They think that once they have been pre-qualified, they have been approved for a certain amount as well. Since the pre-qualification process isn’t as in-depth, you could be “qualified” to buy a home that you actually can’t afford once you dig a bit deeper into your financial situation. 


Being Pre-Approved


Getting pre-approved requires a bit more work on your part. You’ll need to provide your lender with a host of information including income statements, bank account statements, assets, and more. Your lender will take a look at your credit history and credit score. All of these numbers will go into a formula and help your lender determine a safe amount of money that you’ll be able to borrow for a house. Things like your credit score and credit history will have an impact on the type of interest rate that you’ll get for the home. The better your credit score, the better the interest rate will be that you’re offered. Being pre-approved will also be a big help to you when you decide to put an offer in on a home since you’ll be seen as a buyer who is serious and dependable.  


Things To Think About


Although getting pre-qualified is fairly simple, it’s a good step to take to understand your finances and the home buying process. Don’t take the pre-qualification numbers as set in stone, just simply use them as a guide. 


Do some investigating on your own before you reach the pre-approval stage. Look at your income, debts, and expenses. See if there is anything that can be paid down before you take the leap to the next step. Check your credit report and be sure that there aren’t any errors on the report that need to be remedied. Finally, look at your credit score and see if there’s anything that you can do better such as make more consistent on-time payments or pay down debt for a more desirable debt-to-income ratio.





Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/12/2018

Entering the real estate market and buying your dream home may seem simple at first. However, problems may arise that make it tough to secure your ideal house at a price that matches your budget.

When it comes to finding the right home at the right price, it helps to prepare. Fortunately, we're here to help you get ready to enter the housing market and ensure you can quickly and effortlessly discover your dream residence.

Now, let's take a look at three tips to simplify the homebuying process.

1. Create Homebuying Criteria

Purchasing a house is rarely easy, particularly for a property buyer who has no idea how to kick off a home search. But if you establish homebuying criteria, you can speed up the process of going from homebuyer to homeowner.

Allocating time and resources to create homebuying criteria is essential because it forces you to consider where you want to live and what amenities you want to find in your dream residence. Plus, once you have homebuying criteria at your disposal, you can start your home search and move one step closer to acquiring your ideal residence.

2. Obtain Home Financing

Home financing is paramount, particularly for property buyers who want to avoid the risk of spending too much to purchase a house. Thankfully, banks and credit unions can teach you about a variety of mortgage options and help you secure the financing you need to buy a home.

Typically, a lender will meet with you and outline your mortgage options. It also will explain the differences between fixed- and adjustable-rate mortgages and respond to any of your mortgage concerns and questions. Then, after you review your mortgage options, a lender will help you make an informed home financing decision.

Don't wait to get home financing, either. If you have home financing in hand when you launch a home search, you may be better equipped than other buyers to quickly submit an offer to purchase a home.

3. Work with a Real Estate Agent

For those who want to avoid challenges throughout the homebuying journey, it generally is a good idea to collaborate with a real estate agent. In fact, a real estate agent will do everything possible to help you identify and resolve homebuying problems before they escalate.

A real estate agent is a housing market expert and is happy to assist you as you proceed along the homebuying journey. If you are interested in houses in specific cities and towns, a real estate agent will keep you up to date about residences that become available in these areas. Or, if you want to submit an offer to purchase a house, a real estate agent will help you put together a competitive homebuying proposal. Best of all, if you have homebuying concerns, a real estate agent will address them right away.

Ultimately, buying a house can be easy. Use the aforementioned tips, and you can streamline the homebuying cycle.




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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/5/2018

More areas are struggling with droughts today. Conserving water has become a necessity. Even if the area you live in isn’t drought-stricken, cutting back on water use has many benefits for you and the environment. You’ll have a lower utility bill for one. You’ll also help to conserve the most precious resource on the planet. There’s plenty of ways that you can conserve water. You’ll be happy that you implemented some of these tips into your daily routine. Small changes in your life can make a big impact on your water bill and the environment. 


Turn Off Water While You Brush Your Teeth Or Wash Your Hands


Did you know that water comes out of the faucet at an average of 2.5 gallons per minute? That’s quite a lot of water to waste while you’re merely brushing your teeth or washing your hands. Turn off the tap while you brush (you’re supposed to brush for 2 full minutes!) or scrub your hands. Think of how many gallons of water you’ll save over a week’s time if you shut the water off even for those few seconds! Water is a precious resource and we should use it wisely. 


Put A Bucket In The Shower


This sounds like kind of a crazy idea. You know how long it takes the shower to heat up every morning, and now you can save that water which normally heads down the drain. Place a bucket in the tub while the water heats up. You can use that water later for watering plant or keeping the lawn fresh. This way, nothing will go to waste! 


Take A Shorter Shower


We all love to hang out in the shower for a bit, but taking a shower is one of the biggest uses of water in our homes. A shower uses about 2.1 gallons of water per minute. That means the typical 8 minute shower consumes somewhere around 16 gallons of water. If you cut your showers by even one minute, you’d save 14 gallons of water a week! That’s nothing to sneeze at! 


Flush Less


You know the old saying, “If it’s yellow let it mellow.” Maybe this tip isn’t for everyone, but your toilet is the fixture that uses the most water in your home. Higher efficiency toilets use about 1.5 gallons per flush, but older toilets can use anywhere between 3.5 and 7 gallons of water per flush! Consider flushing the toilet a bit less for the sake of water conservation! 


Load The Dishwasher Fully


The dishwasher is a fantastic invention and a necessity in our homes. Every time you run the dishwasher, it uses between 4 and 6 gallons of water. When you run the machine, be sure that it’s full of dirty dishes to avoid putting it on too often. 





Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/3/2018

Colonial Drive Condominiums in Andover where the living can be both affordable & easy! The 2 bdrm, full bath unit has just been tastefully refreshed and updated with new appliances, granite countertops in the kitchen, new fixtures, tile, and laminate hardwood floors have replaced the carpeting. There are two assigned parking spaces, convenient to Rte 125 & 93, less than a mile to nearby shopping and restaurants, there's more - not always offered but heat & hot water is included in the monthly fee. Pets are negotiable and must be registered with management. Great opportunity for an investor or buyer looking for a move-in ready property.

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Marilyn Ellis, CBR, CHMS, LMS, HAFA