The St. Martin Team - Westford MA Real Estate
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Posted by St. Martin Team on 1/23/2020


1 Aspen Ln, Acton, MA 01720

North Acton

Condo

$639,900
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
Don't miss this young colonial home with 9 rooms, 4 bedrooms, 2.5 baths & 2-car garage. Freshly painted throughout & carpeting in bedrooms & basement has been professionally cleaned. Hardwood flooring runs throughout main level: formal living & dining rooms, half bath, and a cozy family room with gas fireplace that opens to kitchen with granite counters, stainless steel appliances, gas cooking and a dining area overlooking sunny back yard. Second floor features 4 bedrooms with custom Bali blinds and 2 full baths, including a master bedroom with its own private bath & 2 closets (one a walk-in) . The lower level offers 465+sq.ft. of heated living space. Bonus features: central AC, security system, Nest thermostats, cost-saving solar panels, flowering fruit trees & rosebushes. Private road & neighborhood setting. Enjoy Acton for top-rated schools and convenience to shops, dining, Routes 2 a nd 495 and MBTA commuter rail stations.
Open House
Sunday
January 26 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 1 Aspen Ln, Acton, MA 01720    Get Directions






Tags: Real Estate   Open House   Condo   Acton   01720  
Categories: Open House  


Posted by St. Martin Team on 1/23/2020

Photo by Brian A Jackson via Shutterstock

Identity theft is an issue that has become more common since the digital age has bristled and bloomed. Many people are victims of phishing scams – an online predator steals your identity by impersonating a respectable institution and takes your sensitive information, financial information being stolen from non-secured sites, hacking or good, old-fashioned credit card theft, to name a few. Every form of identity theft can lead to severely damaging credit reports and scores, and may affect whether or not you’re able to purchase your next home.

Are you a victim of identity theft?

Often, your financial institution will contact you if they suspect suspicious activity on your accounts. As an account holder, monitoring these accounts or setting up an extra layer of security notifications will also help you figure out when someone is trying to steal your identity. Some of the tell-tale signs of identity theft can include a rapidly plummeting credit score, random accounts appearing in your financial hub, notification of attempted loan applications via mail, etc.

What should you do if you think you’ve been targeted for identity theft?

Freeze Your Credit

You can put a freeze on your credit by contacting the three major credit bureaus. When doing so, feel free to report that you suspect you’ve been targeted for identity theft. Once you place the freeze on your account, creditors will have to verify that they have done their due diligence in confirming your identity should they wish to open a new account for you or check your credit report.

Send a Fraud Alert

You may also want to send a fraud alert out to the credit bureaus. Doing so informs them that there’s been a breach in your personal security, and you’re trying to amend the situation.

Check Your Credit Report

Monitor your credit report to see where things went awry. You are entitled to one free credit report per year, so make the most of it. Obtaining your credit report should allow you to pinpoint exactly when the fraudulent activity started and give you some insight into what was going on at the time.

Talk to the Debt Collectors

If someone has taken advantage of your credit and your identity, there’s a good chance you’ll be receiving some information from debt collectors; especially if you were unaware that the debt was being racked up in the first place. The best thing to do is give them a call and find out exactly which debt they’re collecting on, who they’re acting on behalf of and get any other information that may pertain to your identity being stolen.

File a Report

Identity theft is a heavy crime and should be reported to the police immediately. After reporting with the Federal Trade Commission (FTC) and getting your report, be sure to have an official government ID with photograph, all current mailing information and any other reports that you’ve collected stating that your identity has been stolen.
Many Americans are afflicted by identity theft every year. Once the issue has been halted and is monitored carefully, you may want to start rebuilding. Request a new card from your credit card company and bank. Keep an eye on those accounts, protect yourself by taking the extra security measures of shopping on secured sites, requesting verification from anyone asking you for sensitive information and checking your credit activity often. This will lower your chances of undergoing a second attack.





Tags: credit   fraud   Identity theft  
Categories: Uncategorized  


Posted by St. Martin Team on 1/16/2020

Buying a home is a very detail-oriented process, and there's a lot of important things you can overlook if you're not organized.

Home buyers generally have the opportunity to do a last-minute inspection of the premises to make sure everything's up to standards prior to closing on the property.

A real estate buyer's agent can accompany you on the final inspection or provide you with advice on what to look for.

If you've already visited the home a couple times and had the house professionally inspected, you're probably well-acquainted with any major malfunctions, flaws, or repair issues. In many cases, home buyers may reach an agreement with the seller to fix, replace, or make allowances for mechanical or cosmetic problems. While real estate negotiations and sales agreements are as varied as the people and properties involved, there are typically dozens of things buyers need to check on before they sign the final documents and accept ownership of the property.

Final Walkthrough Tips

As you're doing the final walk-through of the house, it's necessary to remember or have notes on the condition of the home when you last looked at it. You'll also want to have a clear idea of what appliances, fixtures, and window treatments are supposed to be remain in the house after it's been vacated by the seller. Depending on how close your final walk-through is to the actual closing, that has probably already happened.

If there's anything missing that the seller agreed to include in the sale, then that's an issue you'll want to discuss with your real estate agent or attorney. Any property damage that may have resulted from moving furniture and other belongings should also be discussed before final papers are signed. The same thing would apply to landscaping changes that appear to be inconsistent with the sales agreement. Your buyer's agent and/or lawyer can serve as intermediary in getting these issues clarified and ironed out.

To make sure your final inspection is thorough, it's a good idea to have a "final walk-through checklist" to help keep you organized and focused. You'll want to take a last-minute inventory of items that are supposed to be included with the property sale, such as appliances, lighting fixtures, furnishings, window treatments, children's play structures, hot tubs, and anything else that was agreed to in the sales contract.

Other items you'll need access to may include garage door openers, manuals for appliances and mechanical systems, warranties, invoices for repairs made, and remote control devices for things like ceiling fans, alarms, and other systems.

Your checklist and final walkthrough should focus on a variety of items, including the working condition of appliances, the electrical system, plumbing fixtures, and the condition of walls, floors, ceilings, doors, windows, and landscaping features. For a complete checklist, look online or consult your real estate agent.





Posted by St. Martin Team on 1/10/2020


1 Aspen Ln, Acton, MA 01720

North Acton

Condo

$639,900
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
SHOWINGS BEGIN SUNDAY AT OPEN HOUSE, 2-3:30! Don't miss this young colonial home with 9 rooms, 4 bedrooms, 2.5 baths & 2-car garage. Freshly painted throughout & carpeting in bedrooms & basement has been professionally cleaned. Hardwood flooring runs throughout main level: formal living & dining rooms, half bath, and a cozy family room with gas fireplace that opens to kitchen with granite counters, stainless steel appliances, gas cooking and a dining area overlooking sunny back yard. Second floor features 4 bedrooms with custom Bali blinds and 2 full baths, including a master bedroom with its own private bath & 2 closets (one a walk-in) . The lower level offers 465+sq.ft. of heated living space. Bonus features: central AC, security system, Nest thermostats, cost-saving solar panels, flowering fruit trees & rosebushes. Enjoy Acton for top-rated schools and convenience to shops, dining, Routes 2 a nd 495 and MBTA commuter rail stations.
Open House
Sunday
January 12 at 2:00 PM to 3:30 PM
Showings begin Sunday at 2 pm!
Cannot make the Open Houses?
Location: 1 Aspen Ln, Acton, MA 01720    Get Directions






Tags: Real Estate   Open House   Condo   Acton   01720  
Categories: Open House  


Posted by St. Martin Team on 1/10/2020


1 Aspen Ln, Acton, MA 01720

North Acton

Condo

$639,900
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
SHOWINGS BEGIN SUNDAY AT OPEN HOUSE, 2-3:30! Don't miss this young colonial home with 9 rooms, 4 bedrooms, 2.5 baths & 2-car garage. Freshly painted throughout & carpeting in bedrooms & basement has been professionally cleaned. Hardwood flooring runs throughout main level: formal living & dining rooms, half bath, and a cozy family room with gas fireplace that opens to kitchen with granite counters, stainless steel appliances, gas cooking and a dining area overlooking sunny back yard. Second floor features 4 bedrooms with custom Bali blinds and 2 full baths, including a master bedroom with its own private bath & 2 closets (one a walk-in) . The lower level offers 465+sq.ft. of heated living space. Bonus features: central AC, security system, Nest thermostats, cost-saving solar panels, flowering fruit trees & rosebushes. Enjoy Acton for top-rated schools and convenience to shops, dining, Routes 2 a nd 495 and MBTA commuter rail stations.
Open House
Sunday
January 12 at 2:00 PM to 3:30 PM
Showings begin Sunday at 2 pm!
Cannot make the Open Houses?
Location: 1 Aspen Ln, Acton, MA 01720    Get Directions






Tags: Real Estate   Condo   Acton   01720  
Categories: New Homes  




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