Happy New Year

Have a Blast…
Not Just on New Year’s Eve – But ALL of 2011!

Let’s challenge ourselves and each other to live 2011 based on the wise words of Sir Winston Churchill…

“We make a LIVING by what we GET. We make a LIFE by what we GIVE.”

Experience the true fulfillment and complete prosperity that a life of giving, a life of thinking about others before ourselves, a life of walking out the Golden Rule provides. If we truly “do unto others as we would have them do unto us”…talk about a BLAST! 

From Our Home to Yours…
Wishing You And Your Family a BLAST of a 2011!

Mark Gracy
The Gracy Real Estate Team
Keller Williams Realty

New South Andover Home For Sale

93 Rattlesnake Hill Road Andover, Ma 01810

Check it out

93 Rattlesnake Hill Andover

93 Rattlesnake Hill Andover
Rehabilitation project in process Rattlesnake HIll Road in Andover, MA Open Concept Ranch Home 3 bedrooms on almost 2 acres in highly desired South School District of Andover
Call today be the fist into the project

Mark Gracy ABR, CBR, Realtor
The Gracy Team
Keller Williams Realty
Your Real Estate Resource in the Andovers, Merrimack Valley, MA and Southern NH
(web) www.GracyTeam.com
(email) mark@gracyteam.com
(direct) 978-984-3107

Realty Times - Survey Reveals Buying Still Appeals

Realty Times - Survey Reveals Buying Still Appeals

It Is Easy Being Green in Andover, MA

Being Green Made Easy in Andover, MA « Choose Community

Kermit is not presenting. Check it out this evening.

Mark Gracy
Keller Williams Realty
Andover MA real estate resource
www.Gracyteam.com

This Month in Real Estate (US) : October 2010 Spanish

October 2010 Real Estate Update from Mark Gracy Keller Williams Andover,
MA

Home prices tick up, activity and pending sales up AND some bargains are
still available check out this month in real estate
Andover MA



October 2010 Real Estate Update from Mark Gracy Keller Williams Andover,
MA

Home prices tick up, activity and pending sales up AND some bargains are
still available check out this month in real estate
Andover MA real estate: Keller Williams Realtor -
www.gracyteam.com
Mark Gracy The Gracy Team at Keller Williams Realty Real Estate Resource in the Andovers,Merrimack Valley and Southern NH.

October 2010 - real estate Mark Gracy Keller Williams Andover MA

October 2010 Real Estate Update from Mark Gracy Keller Williams Andover,
MA

Home prices tick up, activity and pending sales up AND some bargains are
still available check out this month in real estate
Andover MA real estate: Keller Williams Realtor - October 2010 Real Estate Update from Mark Gracy
gracyteam.com
Mark Gracy The Gracy Team at Keller Williams Realty Real Estate Resource in the Andovers,Merrimack Valley and Southern NH.

Gauge how the real estate market is trending in your neighborhood FREE online data

New MLS Market Snapshot provided by Mark Gracy Realtor in Andover, Massachusetts
Market snapshot is a free on-line service that accurately trends the real estate market in any neighborhood you choose. Find out what the home down the street sold for, see where the real estate values are trending, find out how long homes are on the market on average before they sell. This is a FREE service provided by Mark Gracy and The Gracy Real Estate Team at Keller Williams Realty in Andover, MA. Market Snapshot can be used in neighborhoods in any neighborhood covered by MLSPIN.

With access to the Multiple Listing Service
(MLS) data I will provide you with what you
need to:
*Gauge how the market is trending
*Find out what sold most recently and
for how much
*Understand how homes compete on
price with other properties selling in
the area
*View homes for sale with photos to
better assess the market conditions
... and answer any pressing questions you
may have.

GET YOUR MLS MARKET SNAPSHOT NOW or PREVIEW A SAMPLE ANALYSIS

Mark Gracy
The Gracy Team
Keller Williams Realty
(web) www.GracyTeam.com
(email) mark@gracyteam.com
(direct) 978-984-3107

FOR SALE $257,900 North Andover MA 01845 – The Gracy Team

Great New North Andover home for sale only $257,900 15 Commonwealth Ave North Andover MA 01845 – The Gracy Team

93 Rattlesnake Hill Rd Andover

Andover MA 01810 – The Gracy Team

Andover MA 01810 – The Gracy Team

Andover MA real estate Just Listed only $329,000 Not a short sale or bank owned property!

Realty Times - Fall Home Fixes

Realty Times - Fall Home FixesAndover, MA

This Month in Real Estate - September 2010

Andover MA 01810 – The Gracy Team

Just previewed this phenomenal home at the Andover Country Club in Andover MA listed by my associate Susan Donahue - check it out click this link for photos and more Andover MA 01810 – The Gracy Team

For Rent: 2BR/2BA Townhouse in Andover, MA, $1,100/month

For Rent: 2BR/2BA Townhouse in Andover, MA, $1,100/month

Press Release - Keller Williams Realty Named Highest Ranked in Home Buyer Satisfaction by J.D. Power and Associates for Third Straight Year

Press Release - Keller Williams Realty Named Highest Ranked in Home Buyer Satisfaction by J.D. Power and Associates for Third Straight Year

Mark Gracy
Keller Williams Realty
The Gracy Team
978-984-3107
www.GracyTeam.com

For Sale: 2BR/1+1BA Townhouse in Bradford, MA, $174,000

For Sale: 2BR/1+1BA Townhouse in Bradford, MA, $174,000

For Sale: 2BR/1BA Condo in Ipswich, MA, $172,000

For Sale: 2BR/1BA Condo in Ipswich, MA, $172,000

For Sale: 4BR/2BA Single Family House in Manchester, NH, $220,000

For Sale: 4BR/2BA Single Family House in Manchester, NH, $220,000

87 Boynton St Manchester NH

3-4 Bedroom Colonial featuring first floor dining room, living room, kitchen, family room and a full bath. Second floor offers 4 rooms and a second full bath. Recently painted and refreshed and ready for your occupancy. Exterior features include 1 car garage, storage shed, corner lot, large garden and yard area. Convenient location close to area amenities, stores and park.

Stunning custom build Bradford Colonial For Sale

Stunning 4 bedroom Bradford Colonial offer at an incredible price only $389,900. Enjoy the open concept layout and this fabulously planned and executed custom kitchen with beautiful Artic Ice granite counters and Murano glass dropped lighting pendants. Enjoy the fireplaced living room area and the hardwood floors throughout the entire first floor entertaining space. Great Bradford location conveniently located Bradford Swim Club, Carter's Ice Cream, the farmer's market and within view of the Bradford Ski area

PROPERTY WEBSITE

The virtual tour for this property can be viewed by clicking the link below:

HD VIRTUAL TOUR

FLOOR PLANS TOUR

Call for a showing of this Gracy Team exclusive home (978) 984-3107

Mark Gracy
The Gracy Team
one call tel & fax: 978-984-3107
email: mark@gracyteam.com
web: www.GracyTeam.com
Keller Williams Realty
168 North Main Street
Andover, MA 01810

North Reading MA 55+ Active Adult Community 63 Central Street

North Reading, MA -Just Listed 63 Central Street North Reading $245,000 Central Place Luxury 55+ Condo featuring 2 bedrooms - master with large walk-in closet, full bath with step in shower and laundry. 2 full baths. Open concept living area with spacious kitchen featuring granite counters,ceramic tile floor, maple cabinets, stainless steel appliances. Hardwood floors in the foyer, living room and dining room. Plenty of storage in unit plus extra storage room down the hall. Oversized 1 car attached garage. Exercise room and great common areas

PROPERTY WEBSITE

The virtual tour for this property can be viewed by clicking the link below:

VIRTUAL TOUR

Mark Gracy - The Gracy Team
Keller Williams Realty
168 N Main Street Andover MA 01810
(978) 984-3107
GracyTeam website

New Changes to Buyer Financing Options - How they will affect your home purchase

Friday, 19 March 2010
New Changes to Buyer Financing Options - How they will affect your home purchase
Andover, North Andover and surrounding communities - Real Estate Update for March 19, 2010.
Today I have an update on the new changes coming for buyer financing.

Notice regarding FHA loans (the most popular loan option consumers are utilizing)

“ As of April 5th 2010 HUD announced that they will be changing their upfront mortgage insurance on all FHA loans from 1.75 to 2.25. They also announced the change of seller concessions from 6% (closing cost credits) of the purchase price to 3% of the purchase price” They will also be rolling out stricter qualifying ratios.
Please check all of your pre-approvals with your lenders there is due to be some fall out with the higher up front mortgage insurance.

If you are utlizing an FHA loan contact me for a FREE list of approved condominiums and townhouses and other properties (978) 984-3107 or email homes@gracyteam.com

Notice last week regarding USDA Rural Housing

“This message is to notify you that program funding for the Single Family Housing Guaranteed Loan Program will likely be exhausted by the end of April, 2010.”

Notice regarding Mass Housing Loans

“Effective April 1, 2010, Mass Housing will be lowering the maximum Loan to Value from 100% to 97% on one unit properties. All applications with Loan to Values greater than 97% must be dated (and) reserved on www.emasshousing.com on or before March 31st, 2010 and be closed and funded by May 31st, 2010. Mass Housing is unable to grant extensions beyond the dates noted above.”
If you have any 100% Mass Housing pre-approval out there make sure you are under contract by April 1st. Time is running out on this call me today for a list of USDA approved locations and properties (978) 984-3107.

Notice regarding the first time home buyer credit
“Under new law, an eligible taxpayer must buy, or enter into a binding contract to buy a principle residence on or before April 30th 2010 and close on or before June 30th 2010”

Investor Notice regarding FHA 90 flipping Rule
“Hud has temporally loosened their guidelines regarding the 90 flipping Rule. In order to obtain a waiver the property has to be approved by Hud. In cases where a home inspection is required due to the increase in transfer price of 20% or more

For instant access to all local area properties visit http://www.GracyTeam.com

Mark Gracy
Keller Williams Realty
168 N. Main Street
Andover, MA 01810
One Call Phone & Fax: 978-984-3107
Email: Homes@GracyTeam.com
www.GracyTeam.com


Copyright© 2010 2010 Mark Gracy, All Rights Reserved.
Portions Copyright© 2010 2010 Pro Step Marketing

$8,000 for Homebuyers on the Merrimack Valley Andover, MA and Southern NH

North Andover, MA real estate update - Merrimack Valley Real Estate Update on the $8,000 tax credit for homebuyers.
I have been getting a lot of questions lately on the homebuyer tax credit so I thought I would take a moment and give everyone an update. The clock is ticking on the $8,000 credit AND there is still time to take advantage and qualify for this opportunity. Here are the revised criteria:
Home Buyer Tax Credit Revised in November 2009 First-time Buyer -
Amount of Credit $8,0 00 ($4,000 married filing separate)
First-time Buyer
Definition of Eligibility May not have had interest in a principal residence for 3 years prior to purchase
Current Homeowner - Definition of Eligibility Must have used the home sold or being sold as a principal residence consecutively for 5 of the previous 8 years
Deadline for Tax Credit Purchases after April 30, 2010 (Binding contract must be written by this date. Purchaser has until July 1, 2010 to close on the property.)
There are some additional income and property purchase price limitations. Give me a call of shoot me an email for details. Don't hesitate. Interest rates are at an all time LOW and will be going up, home prices have never been more affordable and the tax credit will be going away SOON. Don't miss this historic opportunity to capitalize on your real estate investment. SEARCH FOR ALL MLS PROPERTIES IN MA AND NH today and find your perfect home.
Mark Gracy - Your Real Estate Resource in the Merrimack Valley
(978) 861-4016 (tel &fax) Visit our website for FREE Homebuyer reports

Mass Homebuyer Seminar

Buying Your Home

FREE Homebuying Seminar
There is still time to take advantage of the $8,000 tax credit!

Thurs March 25, 2010 6-7:30 pm
Thurs April 8, 2010 6-7:30 pm

All attendees receive $250 off closing costs with Leader Bank and
$100 off '09 tax preparation with Emond Tax and Financial

Where: Emond Tax & Financial Group Conference Center
11 Middlesex Ave Suite 10 Wilmington MA

Andover MA real estate resource - Mark Gracy - The Gracy Team Keller Williams Realty

Keller Williams Realty Andover - Success in 2009 real estate is KW

Andover MA real estate update. Mark Gracy The Gracy Team Keller Williams Realty 168 N Main Street Andover VIDEO

Check out the success of Keller Williams Realty in 2009



Find your perfect home - all the hottest listings available right now INSTANT MLS ACCESS FREE

Bradford MA Classic Four Square Just Listed

Haverhill, MA real estate: Just Listed Bradford MA Classic Four Square Keller Williams Realty Virtual Tour Bradford MA Home
Mark Gracy The Gracy Team Keller Williams Realty (978) 861-4016

Buying a home may cost you more if you wait

Those Who Wait Will Pay Thousands More This Spring

Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

Mark Gracy (978) 861-4016 The Gracy Team @ Keller Williams Realty
Your Real Estate Consultant in MA and Southern NH
web: www.GracyTeam.com to find the hottest new listings in your area.

Want to know what homes in your neighborhood are selling for right now? Visit http://homevaluesma.com/

Text HOMESMANH to 87778 to view all homes for sale on your cell phone! or visit http://gracyteam.com/homes_on_your_phone

Search for homes on your cell phone

Andover, MA real estate - Search all homes for sale in MA and NH from your personal cell phone. Get this APP for your iphone or other smart phone today and find your perfect home!

Jan 2010 (MA and NH real estate)—One of the top real estate agents in the Merrimack Valley announced today that cell phones can be turned into the ultimate house-hunting tool. Mark Gracy with The Gracy Team at Keller Williams Realty is providing consumers with a mobile application called Homes for Sale that makes it possible to search all local property listings from their phone, regardless of whether it is listed by Mark Gracy or another broker/agent. Homes for Sale can be downloaded to cell phones, iPhones and BlackBerry devices by visiting www.GracyTeam.com.

With Homes for Sale, consumers can be in any neighborhood and view detailed home information at the touch of a button. The GPS technology in the mobile phone, where available, locates users and pulls up addresses and information on property listings in their immediate area. Sales price, square footage, tax information, beds/baths, interior and exterior features and pictures become available instantly in the palm of their hand.

Consumers can also search by city, zip code, address, or community name when GPS is not available, or if they want to search for real estate in a particular area other than their current location.

The “Call to See” feature within the Homes for Sale application will connect users to Mark Gracy if they have further questions or want to schedule a tour of the property.

“We are dedicated to providing our clients top notch service and unparalleled results. We do that in part by providing our clients access to up to the minute real estate information by utilizing state of the art technology.”, Gracy said.

When downloading the application from Mark Gracy’s website, www.GracyTeam.com , consumers will find a Homes for Sale Mobile tool which provides instructions on how to send the application to their personal cell phone. Users simply select their cell phone carrier, the make/model of their device and enter their cell phone number into the downloader tool. Instantly, the application is sent via text message and downloaded to their cell phone just like a game or ringtone.

Homes for Sale is available across every carrier and mobile device via a fully downloadable application or mobile web (WAP) version. The fully downloadable version is live on hundreds of cell phone models on AT&T, Sprint and T-Mobile. If your carrier or cell phone model is not listed on the downloader tool, simply select ‘Other’ and download the mobile web (WAP) version. Smarter Agent is also available on BlackBerry devices as well as the iPhone. The fully downloadable version for Windows Mobile devices, as well as other devices and major carriers, will be added over the coming months.

Homes for Sale is free to download on BlackBerry devices across all carriers and the iPhone, in addition to the free WAP version. For other devices, a nominal monthly carrier charge may apply, dependent on device and carrier, billed directly to your carrier statement.