Scituate Beauty!!!







Market Stats

Single Family Home
Main Features
3 Bedrooms
2 Bathrooms
Interior: 1,899 sqft
Lot: 0.93 acre(s)
62 Maple Street
Scituate, MA 02066

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Bobbie Files Bobbie Files

Keller Williams Realty
(508) 521-9480

Listed by: Bobbie Files ~ Keller Williams Realty

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Just listed: 62 Maple Street, Scituate, MA 02066 for $399,900 via @realbird.


Detached, Ranch – Berkley, MA

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Bobbie Files

Keller Williams Realty



Licensed In:

7 Jerome Street

Berkley, MA 02779

Bedrooms: 3

Bathrooms : 2 (1 full, 1 half)

List Price: $244,900

Living Area Approx :

Nice setting on a quiet cul-de-sac is this oversized ranch style home. This home has been tastefully updated and is in move-in condition!!! With gleaming birch hardwood flooring, woodstove and new windows to keep heating costs in line and the updated kitchen with breakfast bar. The outside hot tub is a great place to relax after a long day at work! With the tumble in interest rates the monthly payment will be less than rent! Oh and this is NOT a short sale or foreclosure!

Feature List:

MLS#: 71368864

PropertyType: Single-Family Home

Lot Size: 0.92

Lot Size: 0.92 acres

Stories: 1 story with basement

Heating: Radiant

Exterior Walls: Siding (Alum/Vinyl)

Basement: Basement (not specified)

Style: Ranch/Rambler

County: Bristol


Hyannis MA Beauty!!




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Bobbie Files

Keller Williams Realty



Licensed In:



148 Melbourne Road

Hyannis, MA

Bedrooms: 2

Bathrooms : 2 (2 full)

List Price: $289,900

Living Area Approx :



This is a FANTASTIC Hyannis Home!!!!!

This lovely home has been very well maintained and shows beautifully!!! Located close to Craigsville Beach and shopping! You will be impressed with all the extras!

  • Oak Hardwood Floors on 1st floor
  • Brazillian Cherry Floors on 2nd floor
  • Central AC
  • Fireplace in living room
  • Formal Dining Room or den
  • 1st floor laundry
  • Irrigation System
  • Outside Shower
  • Large Shed
  • Monitorable Alarm System
  • New High Efficiency Heating System

You will not be disappointed!!! If you are looking for your new Hyannis Home than this is the home for you! WELL WORTH WAITING FOR!!!









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Bobbie Files

Keller Williams Realty



Licensed In:

365 Parsonage Street

Marshfield, MA 02050

Bedrooms: 3

Bathrooms : 1 (1 full)

List Price: $319,900

Living Area Approx :

Detached, Ranch – Marshfield, MA

This is the type of home that you immediately feel at home in!!! The layout offers for many different family or living situations. The lower level room with it`s separate entrance would make for a perfect office, or perhaps a future in-law. The home has 2 newer heating systems, fha and fhw. The lower level is fhw by oil and the upstairs is fha by oil. All the rooms are bright and airy and the lot with its stone walls is just too pretty!!!

Feature List:

MLS#: 71330142

PropertyType: Single-Family Home

Lot Size: 2

Lot Size: 1.95 acres

Stories: 1 story with basement

Heating: Forced air unit

Parking: Underground/Basement

Parking Spaces: 1

Exterior Walls: Wood Siding

Roof: Asphalt

Construction: Frame

Basement: Unfinished Basement

Style: Ranch/Rambler

County: Plymouth


As we all probably already know, getting a mortgage loan modification is a nearly impossible thing. The lenders lose paperwork, drag their feet making it so the documents you send in expire resulting in you sending them in dozens of time, and they can never seem to get what an affordable payment is based on your income. Totally frustrating!!!

Most of the families I come across doing short sales have gotten so tired by the modification process that they simply throw up their hands and say “Enough!!!”

The Government, in response to this problem, has created an online affordability calculator. This calculator will help you determine how much of a payment you can afford. CheckMyNPV.com is designed to assist homeowners in conducting a net present value (NPV) evaluation of their mortgage for the Home Affordable Modification Program (HAMP).

CheckMyNPV.com can be used by homeowners who have been denied a HAMP modification because of their NPV result. Homeowners can enter the NPV input values listed in the HAMP Non-Approval Notice received from their mortgage servicer, or substitute with estimated NPV input values, to compare the outcome provided by CheckMyNPV.com against that on the Non-Approval Notice.

CheckMyNPV.com provides only an estimate of a mortgage servicer’s NPV evaluation. While the NPV formula used on CheckMyNPV.com is required to be the same as that of your mortgage servicer’s, differences in the data that you and the lender input and other lender-related information may result in different results. After using CheckMyNPV.com save a copy of the evaluation and share it with your mortgage servicer to discuss options available to you.

You also may use this calculator prior to contacting your lender.

Some people are stunned that home prices continue to sink as if a lead weight was placed on the value of housing.  The mainstream press never sliced and diced the minor jump in prices we had last year because much of the increase occurred around tax credit gimmicks and the Federal Reserve using artificially low rates to drum up demand where none existed.  In the end this has been a vastly expensive proposition that failed to address the main problem with housing.  Home prices need to drop or household incomes need to increase.  The housing bubble only occurred because of lax credit and massive speculation.

Year 2010

Area            Brockton
Median Income      
Median Home Price    
Home  Price to Income Ratio    

On the surface the Brockton market looks affordable.  Last year people were clamoring how cheap these markets were and many investors jumped in to pick up properties.   Many were looking to do a quick flip or for rentals.  Whether a flip or finding a renter you have to find someone living in the immediate area to occupy the home.  Those who were led into the market because of the appearance of low prices actually are now dealing with the second phase of the housing correction:

Number of Sales

Jan – April    2010  –  175
Jan – April   2011  –  150
Percent Decline  –  14%

Median Sale Price

Jan – April 2010  –  $175,000
Jan – April 2011  –   $155,000
Percent Decline  – 11.5%

Brockton is now down over 11 percent in value from last year.  Keep in mind that most of the home buyers purchased homes with FHA insured loans that only required a small amount for a down payment.  These people have lost all of their equity and are now underwater.  Was the tax credit worth it?  Obviously not since the down payment plus additional money has vanished into thin air.

With jobs still being lost, yes I will say at a less alarming level, many more homeowners could be in trouble. The bottom line is we are facing a double dip housing recession because incomes are not going up.  No amount of Federal Reserve hocus pocus is going to make home prices go up without making household incomes go up.

Bobbie Files, C.D.P.E.
Certified Distressed Property Expert
Your Bristol and Plymouth County Realtor
508-238-5000  x.296 Office
508-521-9480                Direct / SMS
888-570-9907               Toll Free Direct Fax

bobbiefiles@kw.com Email

Visit my website at www.BerkleyMass.com

Visit my YouTube Channel at http://www.youtube.com/user/bobbiefiles

Join My Facebook Communityhttp://www.facebook.com/bobbiefiles.realtor

Search for Berkley Ma Homes at: http://BerkleyHomes.BerkleyMass.com

Search for Taunton Ma Homes at:http://TauntonHomes.BerkleyMass.com

For those struggling to pay your mortgage payments please visit:http://shortsales.berkleymass.com

Certified Distressed Property Expert

Well, yesterday was the typical end to a successful short sale…….the closing! That is when the seller finally gets to shed the 1,000 lb monkey off of their back. This homeowner had 2 mortgages on her property, which made it feel more like a 2,000 lb monkey!

We get to the closing table with all the typical players, you know…..Attorneys – the seller had hers, and the buyer’s bank had theirs. A couple of Realtors, like the old joke “How many —– does it take to screw in a lightbulb” and the buyer. On a side note, having the buyer show up for the closing is a positive!!

Neither myself nor the seller had met the buyer before, so we were mentally preparing ourselves for the barrage of questions. Thankfully we didn’t hold our breath, I would still not be breathing! Nothing, zilch, zip, nada. No words! None! No questions, no comments, no complaints, no excitement, no NOTHING!!

I am not a quiet girl, shocker there huh? And I know I can talk a carpenter ant off of a cord of rotted wood, but this was weird! The bountiful of conversation that I had with him consisted of my babbling and him offering a single weak chuckle.

Well, I guess the positive part of this is that the neighborhood just got a quiet new neighbor!

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