Anastasia Kaufman - ABR, SFR, GRI, CDPE - RE/MAX Town & Country | Lincoln, RI Real Estate


While there are plenty of weekend projects to take on that would be more satisfying to complete than “age-proofing” your home taking the time to make these upgrades will make your home more accessible. Both to older family members visiting and even for your future self. These small changes will make a big difference and you might just find them helpful for your life now!   

Replace doorknobs with handles. It’s easy to take what, to us, feels like the simplest of actions for granted. The twisting action of a doorknob can be difficult and even painful for arthritic hands. This is a quick project and one that can add a fresh new look to the doors in your home. IF you’re looking to switch things up or modernize your home opt for a different, more modern finish for your hardware. Bronze and satin finishes are very popular choices.   

Turn a first-floor office into a guest bedroom. And move the office upstairs. Stairs can be an issue for those with limited mobility. Be proactive now by establishing a first-floor bedroom that can be easily accessed by older guests staying the night and by you down the line. Having a bedroom on the first floor can save you the cost of installing a chair lift down the line if stairs become a serious obstacle.

Install a hand held shower head. This is a shower feature that really is useful for the whole household, even the dog. But choosing a model with a sliding tube and optional side mount for the handle makes for an easier experience for those with limited mobility. It allows the ability for the shower head to be reached when sitting and also to be placed within arm's reach without having to stretch overhead.

Railings along stairs, ideally on both sides. When mobility and balance are an issue stairs can become dangerous. If your staircases don’t already have railings installed this is an ideal feature to add. Make note of the dimensions of each of your sets of stairs and research what sort of style would best fit that area of your home. This is a project that adds an element that is seamless to a home and doesn’t stand out. In fact, you may find guests of all ages will appreciate this addition.    

Less furniture in each room. Keeping less furniture in a room makes it easier to navigate a room and ideally fit mobility aids like wheelchairs and walkers. It also can bring new life to a room as well as make it feel more open and spacious. Keep only the most necessary elements to a room and take out shelves or bulky furniture designed to hold and/or hide knick-knacks. Make each element in the room really count. You’ll have a much more chic, magazine-esque room on your hands when you're finished.


 
May 6, 2019

Lenders are showing more tolerance for riskier mortgage applicants, lower credit scores, higher debt-to-income ratios, and smaller down payments, according to a new report from the Urban Institute’s Housing Finance Policy Center. In some cases, lenders are even reaching out and encouraging borrowers who have previously been rejected for a mortgage to try again.

In particular, the Federal Housing Administration, Department of Veterans Affairs, and the Agricultural Department’s rural home loans program have pushed risk to the “highest level since 2009,” notes the Urban Institute’s latest quarterly credit availability report.

However, not all lenders are loosening their policies. Laurie Goodman, vice president of the Housing Finance Policy Center, says she’s not alarmed because current lender risk levels continue to remain well below historical norms. She notes that they remain below what she considers “reasonable lending standards” from 2001 to 2003. “Significant space remains to safely expand the credit box,” Goodman notes in the report.

However, some financial experts are concerned that lenders may be overstretching themselves, as they did during the prerecession days. “I have definitely noticed a fast uptick in creative [loan] products coming out,” John Meussner, executive loan officer with Mason-McDuffie Mortgage in San Ramon, Calif., told The Washington Post. He says he’s noticed lenders are more willing to accept lower FICO scores and solicit applications with scores in the mid-500s who also have a low down payment. “Recently, we saw one investor roll out a product, offering up to $2 million in financing for FICO scores down to 600,” he told the Post. The loan permits borrowers to make a late payment on their mortgage within the past 12 months; have credit blemishes like a bankruptcy or foreclosure; and requires borrowers to have only three months of reserves for loan amounts to $1 million. Meussner says loans like that are similar to those that lenders pushed prior to the housing crisis.

However, other lenders say banks are still mostly being cautious. “They continue to scrutinize applicants and their documents in unbelievable detail,” Paul Skeens, president of Colonial Mortgage Group in Waldorf, Md., told the Post, adding that the company’s defaults remain very low.

Source: https://magazine.realtor/daily-news/2019/05/06/are-lenders-loosening-mortgage-requirements-too-much?fbclid=IwAR11kLHpM-oBxIR9Had9TXesJCtcKwVx5pb0aiLmFaRU2oV8RNsFKMF_lJM

Home Lenders Are Becoming More Friendly to Riskier Applicants,” The Washington Post (May 1, 2019) and “Housing Credit Availability Index,” Urban Institute (April 19, 2019)


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49 Kennedy CT, Cumberland RI, 02864

Single-Family

$459,900
Price

7
Numberof Rooms
3
Beds Total
3/1
Full/Half Baths
Wonderful Newer Open Floor plan Colonial, Granite center island Kitchen, hardwoods throughout first floor, french doors lead into office/den space on first level. Dining room and Center Hall leading upstairs showcases beautiful wainscoting trim. Upstairs, plenty of closet spaces throughout hallway, Master Bedroom with ensuite bath. 700 sq ft finished Lower level features walkout slider with plenty of light, full bath, which make for a potential inlaw space or wonderful rec room. Located on a quiet road tucked away behind two family neighborhoods yet convenient to highways, and all area conveniences.
Open House
No scheduled Open Houses

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73 Angell Road, Cumberland, RI 02864

Single - Family 

$369,900                    $362,000   
List Price                    Sale Price


Beds         Total Number of Rooms      Baths

  3                      5                 1 1/2   



Wonderful sprawling open concept ranch with character! Expanded space in 1985 and Recently updated amazing chefs granite kitchen with plenty of space to entertain including custom cabinetry, farmhouse sink, side pantry with mullions, high end induction cooktop,double ovens and plenty of light with cathedral ceilings and skylights and quarter sawn white oak flooring. Beautiful!! Walk into the huge great room and feel like your in Vermont showcasing amazing cathedral ceilings made of beautiful wood beams and full anderson windows surrounding the space. Centrally located is a pellet stove providing plenty of ambience. New main full bath updated with amazing open concept shower space, double undermount sinks and granite countertops. New Porcelain tile flooring in halls and bathroom spaces.Recently added new half bath for Master Bed Ensuite. Also added new high efficiency gas boiler, tankless hot water, and Nest thermostats. Electrical updated to include a sub panel in the garage. Basement Flooring included a new gym floor with plenty of space for play. Barn/shed recently updated to include concrete flooring and upgraded cedar supports. Home includes a lovely hardscaped patio with tranquil waterfall and pond.


 



Watch my youtube channel here: https://www.youtube.com/channel/UCrJ_RQ936evOTUDiWFMOarg

Visit my facebook account here: https://www.facebook.com/AnastasiaRealtor/

Download Anastasia's Smart Home Finder App here: http://87778.mobi/REANAS


This Single-Family in Cumberland, RI recently sold for $362,000. This Ranch style home was sold by Anastasia Kaufman - RE/MAX Town & Country.


73 ANGELL RD, Cumberland RI, 02864

Single-Family

$362,000
Price
$362,000
Sale Price

5
Numberof Rooms
3
Beds Total
1/1
Full/Half Baths
Wonderful sprawling open concept ranch with character! Expanded space in 1985 and Recently updated amazing chefs granite kitchen with plenty of space to entertain including custom cabinetry, farmhouse sink, side pantry with mullions, high end induction cooktop,double ovens and plenty of light with cathedral ceilings and skylights and quarter sawn white oak flooring. Beautiful!! Walk into the huge great room and feel like your in Vermont showcasing amazing cathedral ceilings made of beautiful wood beams and full anderson windows surrounding the space. Centrally located is a pellet stove providing plenty of ambience. New main full bath updated with amazing open concept shower space, double undermount sinks and granite countertops. New Porcelain tile flooring in halls and bathroom spaces.Recently added new half bath for Master Bed Ensuite. Also added new high efficiency gas boiler, tankless hot water, and Nest thermostats. Electrical updated to include a sub panel in the garage. Basement Flooring included a new gym floor with plenty of space for play. Barn/shed recently updated to include concrete flooring and upgraded cedar supports. Home includes a lovely hardscaped patio with tranquil waterfall and pond. Make this your home today!!

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