Welcome to my Web site !!

• Broker Associate, RE/MAX Professional Associates, Sturbridge MA.
• Multi-million dollar producer.
• Certified Buyer's Representative (CBR).
• Newcomer of the Year- 2003 for Pioneer Valley.
• President's Award, RAPV 2003-2010 for sales and service to the community.
• Volunteer for the Realtor Association of Pioneer Valley Scholarship Committee.
• Volunteer Member of the Professional Standards Committee, RAPV.
• Co-owner of Gerrish Forestland Management, Brimfield MA.
• I have lived in the Brimfield area for 32 years, I am married for over 25 years and we have a son in college.
• My interests include hiking on our tree farm, knitting and tandem biking.
• Bachelors degree from Boston University, 1979

Brimfield, Brookfield, Belchertown, Charlton, East Brookfield, Hardwick, Holland, North Brookfield, Monson, New Braintree, North Brookfield, Palmer, Southbridge, Spencer, Sturbridge, Wales, Ware, Warren, West Brookfield, Wilbraham.

 EXTENDED AND EXPANDED HOMEBUYER TAX CREDIT 

Feature	Jan 1-Nov 30, 2009 Rules as enacted February 2009	Dec 1 - April 30, 2010 Rules as enacted November 2009
First-time Buyer- Amount of Credit	Up to $8000 (up to $4000 married filing separate)	Up to $8000 (up to $4000 married filing separate)
First-time Buyer Definition for Eligibility	May not have had an interest in a principal residence for 3 years prior to purchase	Same
Current Homeowner- Amount of Credit	No Provision	Up to $6500 (up to $3250 married filing separate)
Effective Date- Current Owner	No Provision	Date of Enactment
Current Homeowner- Definition for Eligibility	No Provision	Must have used the home sold or being sold as a principal residence consecutively for 5 of the previous 8 years
Termination of Credit	Purchases after November 30, 2009 (Becomes April 30, 2010 on date of Enactment)	Purchases after April 30, 2010
Binding Contract Rule	None	So long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.
Income Limits (Note: Increased income limits are effective as of date of enactment of bill)	$75,000- single $150,000- married Additional $20,000 phase out	$125,000- single $225,000- married Additional $20,000 phase out
Limitation on Cost of Purchased Home	None	$800,000 Effective Date of Enactment
Purchase by a Dependent	No Provision	Ineligible Effective Date of Enactment
Anti Fraud Rule	None	Purchaser must attach documentation of purchase to tax return

 

*  If home is sold within 3 years of purchase, entire amount of credit is recaptured on sale. 

*  Any single family principal residence is eligible.    

NEW INFO 7/15/09:

TAX CREDIT MAY BE USED FOR DOWNPAYMENTS AND CLOSING COSTS!!

1.  Homebuyers who are using a MassHousing loan to purchase their first home apply 

     for the loan program through their lender.

2.  The loan is used to cover the closing costs or as part of the down payment.

3.  In 2010, the homebuyer claims the $8000 tax credit on their 2009 federal tax return.

4.  The homebuyer then repays the MassHousing tax credit loan.

     * No interest is charged if the loan is repaid by June 1, 2009.

     * Otherwise, the loan is amortized over the next 10 years, at the same rate as the

        first mortgage.

5.  There is a $300 application fee.  If the tax credit loan is paid by June 1, 2010, the

     borrower will receive a $300. tax credit towards the principal of thier 1st mortgage.

   

Here you will find a wide variety of useful information and resources designed to help you buy or sell a home more effectively in the Brimfield areas. From information on the local community, to advice about finding a mortgage or preparing your home to sell, it's all available here on my web site.

You can also search for your ideal home by viewing current listings with detailed descriptions and photos. Or you can get help determining the value of your home by requesting a report that includes the prices of similar homes that recently sold or are currently for sale in the Brimfield areas.

So whether you're buying or selling, feel free to contact me and I will be happy to help you with all your real estate needs.

Buyers

Whether you're looking for your first home, your dream home or an investment property, I'm committed to providing you with the highest quality buyer service. When making the type of investment that buying a home requires, you deserve to have all the latest market information and the very best advice, both of which I can provide you with. Read more.

Sellers

The decision to sell a home is often dependent on many factors. Whatever your reasons are for selling, my proven effective marketing strategies will ensure that you get the highest possible price for your home. I guarantee to provide you with professional, ethical and confidential service and keep you fully informed every step of the way. Read more.