December 2012 RER

ONLINEWE’RE www.MaineHomeseller.netTO ADVERTISE in this booklet call 1-800-482-0759

Connecting you with your community

FREE

advertising supplement

PRUDENTIAL NORTHEAST PROPERTIESShelia Delamater • 212-7405

RUMFORD

METICULOUS3 bedroom home

with 2 car detachedgarage, landscaping

is pristine,gorgeous home.$175,000

This wonderfulpost and beam home

offers sandy waterfronton Mirror Pond, large lot,

water views, cathedralceilings, custom kitchen,spacious bath with jetted

tub, open !oor plan,radiant heat, and more!Swim, "sh and enjoy!

A complete guide to homes, rentals and real estate in Central Maine and the surrounding area

December 2012

MIRROR POND, OXFORD

BELANGER REALTYTerry Hewitt • 240-9196

PROPERTIESNORTHEASTPRUDENTIAL

2 Real Estate Review December 2012

207-344-3250

195 Center StreetAuburn, ME 04210

Reduced $299,000

Fairview $330,000 Double Lot $315,000

Reduced $225,000

2 Acres $165,000 Privacy $179,000 2unit/in-law $165,000

Festival of LightsUnique home w/many updates. HW

floors, built-ins & rec. lighting. Diningaccesses deck w/elevated vantage point.

Silent NightTwo or 3 beds up, plus 2 beds &extra kitchen down. Deck & twosheds. Convenient to Brunswick,

shopping and 295.

Kwanzaa: Fruits Of The HarvestSimply darling interior! Stepinside & see for yourself. Greatyear-round spot for summer &winter recreation enjoyment!

Feliz NavidadOpen-concept w/cathedral

ceiling, 3 bedrooms & 2 baths.covered front porch & yard inprivate setting near lakes.

Happy Kwanzaa4 beds and 3 floors of living

space! Fin. walk-out basement.Deck & ultimate in-groundpool! End of quiet cul-de-sac.

A Hanukkah Wish For YouSpacious sunny rooms plusenclosed & open porches arefeatures of this 2 & 3 bedroommulitifamily. New boiler too!

Winter SolsticeThis one-of-a-kind home awaitsyour viewing. Meticulously

maintained both inside & out.Spacious living on 3 floors!

Winter WonderlandYear-round chalet w/100’ of lakefront.Open-concept, cathedral ceilings, 1stfloor master, deck, dock & 2 car garage.

Waterfont $460,000

Peace On EarthHigh ceilings, 3 FPs, expandedkitchen & old fashioned pantry.Newer boiler, roof, siding &

fresh paint. Big value per sq ft!

Merry Christmas...One-of-a-kind home! Mahoganyfloors, high ceilings custom

kitchen, gorgeous master suiteindoor pool & waterfront!

Dreidel Dreidel Dreidel3500 sq. ft. of living, cherry &pegged oak hw floors. 2 familyrms, 2 fps, 4 beds & screenedporch. All on double lot!

Jingle BellsSeason’s GreetingsCath. ceilings & fabulous

fireplace. Fully applianced oakkitchen w/granite countertops,4 bedrooms and so much more.

Waterfront $779,000 Reduced $289,000

Waterfront $225,000 To-Be-Built $150,000

Sevivon, Sov, Sov, SovOpen-concept w/birch & maplekitch, FP in dining & livingrooms, 1st fl master suite w/whirlpool. Extra garage w/lift!

Charming $250,000

Must See $170,000

Buon NataleRecently remodeled Cape complete with2 fireplaces, 3 beds, 2 baths, in-ground

pool, 2 car garage & 2.5 acres.

Must See $200,000Frosty The Snowman

3 Floors of living! Woodmode kitchen,3 bedrooms, 2 baths, walk-out finishedbasement opens to patio & gardens.

Reduced $200,000

..And A Happy New Year!Large granite & tiled kitchenw/cath. ceiling, fp & access tolarge deck & pool. New carpetingthroughout & finished basement.

Joy To The WorldNewer boiler, deck & more up-dates in this lovely 1890 GreekRevival near Bates. Big modernkitchen, 3 fps & screen porch!

Bates Area $290,000

Beautiful $395,000

2 Unit $134,900

www.janjacques.com

Updates $299,900Deck The Halls

All new roof, siding, windows,doors & Buderus boiler!

Master bedroom suite on 1stfloor. Rumford area.

Happy HanukkaThis adorable ranch can be adream come true. Come viewthe lot & choose the plansthat meet your needs!

Year-round chalet w/100’ oflakefront. Open-concept, cathe-dral ceilings, 1st floor master,deck, dock & 2 car garage.

3Real Estate ReviewDecember 2012

681 Sabattus Street, Lewiston

Norm & Denise Brodeur(207) 376-4830Broker/Owner [email protected]

GENTLEMAN'S HORSE FARM BATES COLLEGE AREA

NEW LISTING!

A BEAUTIFUL HOME! Kitchen w/GraniteCounters, 3 BDRM., 2.5 BA. Formal DR, LRw/ pellet stove. Master Suite! Large Fam.Rm.+ 3 CAR GARAGE! MLS #1073754NORM 754-6060 $281,700

BEGIN'S MOBILE HM. PK.

MOVE IN READY! Immaculate mobile located in Sabattus- 2 beds, 1 full bath, kitchen w/ lovely oak cabinets, sunnyliving room & separate laundry room! Fresh paint & newcarpet throughout! Shed stays! MLS #1072899LAURA 207-333-2321 $28,000

Currently a DRIVING SCHOOL + 2 APTS.Finished 1440 sq.ft. barn. Plenty of parkingw/great visibility! (BUSINESS NOT FORSALE) MLS#1063038NORM 754-6060 $235,000

CONTEMPORARY 4 BR/2BA CAPE.Kitchen w/Corian & stainless steel appl.3-season rm, garage for +-6 vehicles!In-ground pool. MLS #1065551NORM 754-6060 $225,000

EQUESTRIAN CENTER w/indoorriding arena. 13 stalls w/possible18! TWO LARGE apts. Locatedin Manchester. MLS #1048143NORM 754-6060 $495,000

LOVELY 3-4 BR w/Master Suite.UPDATED kitchen, large living& dining rooms. On cul-de-sacw/+-.78 acre lot. MLS #1066553NORM 754-6060 $239,000

OFFICE/RESIDENTIAL DYER ROAD LOCATION

e are deeply appreciativeof your trust & business

WMay the holidays bring special

blessings to you and yours.

Preparing YourHome for Your Move

1. Take the necessary steps to transfermemberships in clubs and organizations.

2. Inform creditors and credit companies ofyour change of residence.

3. Change your address at thePost Office

4. Notify insurance companies.Be sure to have propercoverage if you aremoving to a new state.

5. Notify the utilitycompanies of your newaddress for final billingand advise them of whichdate to discontinueservice: gas, electric,telephone and water.


If you areshoppingfor a hometoday,be sure to:

And remember, at the end of the day, the decision to buy a home is a personal onethat needs to factor in your own !nancial situation and lifestyle preference. Whilehistorically, real estate has usually appreciated in value over the long term, no onecan predict the perfect time to buy.

Pre-qualify for a mortgage

Beware of deals that sound too good to be true

Compare apples to apples

Check Sun Journal’s Real Estate Review

mortgageaforPre-qualify

truebetogoodtoosoundthatdealsofBeware

applestoapplesCompare

ReviewEstateRealJournal’sSunCheck


Why You Should Work Witha REALTOR

Not all real estate practitioners areREALTORS®. The term REALTOR® is a

registered trademark that identi!es a realestate professional who is a member of theNATIONAL ASSOCIATION of REALTORS®

and subscribes to its strict Code of Ethics.Here are nine reasons why it pays to work

with a REALTOR®.

This information is provided by the Androscoggin Valley Board ofREALTORS® and the NATIONAL ASSOCIATION of REALTORS®

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) withpermission of the NATIONAL ASSOCIATION OF REALTORS®.

1You’ll have an expert to guide you through the process. Buying or selling a home usuallyrequires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds,

and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal,and avoid delays or costly mistakes.

2Get objective information and opinions. REALTORS® can provide local community information onutilities, zoning, schools, and more. They’ll also be able to provide objective information about each

property. A professional will be able to help you answer these two important questions: Will the propertyprovide the environment I want for a home or investment? Second, will the property have resale valuewhen I am ready to sell?

3Find the best property out there. Sometimes the property you are seeking is available but notactively advertised in the market, and it will take some investigation by your REALTOR® to !nd all

available properties.

4Bene!t from their negotiating experience. There are many negotiating factors, including butnot limited to price, !nancing, terms, date of possession, and inclusion or exclusion of repairs,

furnishings, or equipment. In addition, the purchase agreement should provide a period of time foryou to complete appropriate inspections and investigations of the property before you are bound tocomplete the purchase. Your agent can advise you as to which investigations and inspections arerecommended or required.

5Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large shareof real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals,

friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allowstrangers into your home. Your REALTOR® will generally prescreen and accompany quali!ed prospectsthrough your property.

6Real estate has its own language. If you don’t know a CMA from a PUD, you can understandwhy it’s important to work with a professional who is immersed in the industry and knows the

real estate language.

7REALTORS® have done it before. Most people buy and sell only a few homes in a lifetime,usually with quite a few years in between each purchase. And even if you’ve done it before, laws

and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactionsover the course of their career. Having an expert on your side is critical.

8Buying and selling is emotional. A home often symbolizes family, rest, and security- it’s not justfour walls and a roof. Because of this, home buying and selling can be an emotional undertaking.

And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, butobjective, third party helps you stay focused on both the emotional and !nancial issues most important to you.

9Ethical treatment. Every member of the NATIONAL ASSOCIATION of REALTORS® makes acommitment to adhere to a strict Code of Ethics, which is based on professionalism and protection

of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in alltransaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientationand they are also required to complete a refresher course every four years.


Take A Bite Out Of Closing CostsHow to Save If You’re Buying aNew Home or Just Refinancing

As anyone who has shopped around for a mortgage knows, it’s extremelydifficult to compare one lender’s offering with that of another lender be-cause the upfront fees vary so much and are not guaranteed. Lenders canand sometimes do, add or inflate fees in the eleventh hour of a transaction.

The U.S. Department of Housing and Urban Development (HUD) has beenworking on regulations that promise to simplify the mortgage process andsave consumers as much as $1,000 off a typical mortgage transaction.When such rules will be rolled out, if ever, is still anyone’s guess. With noregulation in sight, borrowers should consider these strategies for keepingtheir closing costs in check.

Get friendly with your current lenderIf you’re looking into refinancing, the first call you should make is to yourexisting lender, who already has critical information about you and yourhouse on file. Since you have a relationship, a streamlined process mightbe possible. This can save you a lot of extra paperwork and money on ev-erything from application fees to appraisal fees.

Closing costs are certainly a consideration for both new loans and refi-nancing, but keep the big picture in view. It’s important not to lose sight ofwhat your first priority should be - getting the lowest rate possible.

The difference between paying say 6 percent and 5.5 percent on a newloan ads up to nearly $23,000 in total interest on a $200,000 30-year loan.If you have to pay a few hundred dollars in closing costs to get that rate,you can be assured it is a worthy investment.

It may even be worth it to pay a point up front in order to lock in the lowestrates. If you can knock your rate down to 5 percent on that $200,000 loanby paying an extra point ($2,000) up front. Consider that you will cut $62 offyour monthly payment and about $22,000 from total interest by going from6 percent to 5.5 percent, it makes sense as long as you plan to stay in thehouse long enough to recoup those upfront costs.

If you’re short on cash, you might consider rolling the closing costs intoyour loan. You’ll want to factor in how much more you’ll pay each month aswell as in interest over the life of the loan.


207-344-3250

195 Center StreetAuburn, ME 04210

... each lit on eight very special nights.Country setting near town! Tin ceilings, hard-wood !oors, 3 bed, 1 1/2 bath, cozy 3 seasonsun room and two 2 car garages on 4+ acreswith stone fences and beautiful pastures.

... is my two front teeth!Well maintained split level home offering 2-3bedrooms, 2 bathrooms, eat-in kitchen withdining open to living room. 1st !oor master,1st !oor laundry & deck off family room!

New Listing $159,000

Colorful candles burning bright...Don’t miss out on this adorable, well-kept,

New Auburn Ranch w/ updated eat-in kitchenw/ white cabinets, updated full bath, newerroof! Enjoy the private deck and backyard!

Private Peninsula $359,999All I want for Christmas...

Year round, sunny, private 3+ acre lot islocated on the water’s edge with views fromevery room. It offers 2 or 3 bed, 2 bath, 1st!oor laundry, plus screened porch and dock.

Priced to sell! $150,000Owner says “Sell it” $99,000

Visitwww.JanJacques.comto view visual tours, interior photos

and ALLMaine listings.

FromJan Jacques & Company


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Century 21 AdvantaRoy 754-6789ge • 506 Main Street, Lewiston

LEWISTON

Gorgeous & Spacious Cape inLewiston. Features 5 bedrooms,2 baths, hardwood, built-ins, formaldining, 2 car attached garage,3 season porch & newer shingles.#1065554. Only $149,900! Call Roy at 754.6789

Awesome 2009 custom built Colonial inAuburn near country club & turnpike. Offersapproximately 3,000 sq. ft., 5 bedrooms, 3 baths,open concept, master suite, gorgeous granitecounters & hardwood !oors, 1st !oor laundry, porch& 2 car garage.#1052073. Only $229,900! Call Laura at 212.8633 W

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NEW LISTING

1994 ranch in Minot with gorgeous2005 in-law apartment! Features2 acres, deck, 2 car attached garagewith breezeway, 2 car garage under,woodstove, pine !oors, hot tub andmore! Lots of room here for your toys!#1068488 Only $215,000! Roy 754.6789

Own your own business! Building w/ approx4000 sq. ft. in Sabattus. Features approx 9 privatewooded acres, 2 kitchens, 2 wet bars, 2 dance halls,3 bathrooms, gorgeous rock "replace & gorgeousviews of Sabattus Lake. Ideal for hall rentals,receptions, reunions, catering, !ea markets & more!#1061912 $125,000. Call Roy 754.6789

8+ ACRES

AWESOME 2009 COLONIAL!

Century 21 Advantage • 506 Main Street, Lewiston

9Real Estate ReviewDecember 2012Century 21 AdvantaRoy 754-6789ge • 506 Main Street, LewistonCentury 21 Advantage • 506 Main Street, Lewiston

SABATTUS

1993 double wide in Sabattus.Features approx. 1 acre, 2 car garage,fenced in backyard, 3 bedrooms,2 baths & more! # 1070896 ONLY$89,900! John 754.9492

GORGEOUS 2004 CONTEMPORARY!

Beautiful 2004 Contemporary in Lewiston.Features 2 car attached heated garage,deck, patio, gorgeous hardwood & tile,!replace, formal dining, central vac, hugebonus room above garage & more. A greatneighborhood! #1051929. Only $217,500!Roy 754.6789

NEW LISTING!

Gorgeous gambrel in Poland.Features 1.4 acres, in-groundpool, patio, 2 car attached garage,landscaping, 3 bedrooms, 2 baths,formal dining, pellet stove, 1stfloor laundry & mudroom. Only$215,000! Roy 754.6789

Awesome 2009 custom built Colonial inAuburn near country club & turnpike. Offersapproximately 3,000 sq. ft., 5 bedrooms,3 baths, open concept, master suite, gorgeousgranite counters & hardwood "oors, 1st "oorlaundry, porch & 2 car garage. #1052073.Only $229,900! Call Laura at 212.8633

AWESOME 2009 COLONIAL!

NEW LISTING!

Private wooded lot withworkshop/garage. Perfect forMechanic with highway visibility.The home needs some TLC.Has new well in 2008 and greatlocation... possibilities endless!ONLY $59,900! John 754.9492

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Attractive and updated cape. Centrallylocated near bus terminal and all in townamenities. Newer windows, siding, roof,flooring. Why rent when you can own thislovely home!! #1066092 ONLY $55,000!John 754.9492

Awesome Ranch in Sabattus.Features 3 bedrooms, new roof,windows, doors, paint "ooring andmore! Partially !nished basement andattached heated garage! # 1057960ONLY $149,900! Call Laura 212.8633

NEW LISTING!

AUBURN

Lovely Cape in Auburn. Features8+ acres, awesome countrysetting, In-law apt, 2 car detachedgarage, 3 car detached garage,tons of storage, pellet stove,porch, deck and more! #1069432ONLY $175,000! Roy 754.6789

TO BE BUILT CONDOIN AUBURN!

Features quiet intownlocation, 25 commonacres, 2 car garage, 2

bedrooms, hardwood &more. Close to shopping!

$199,000.Call Mike at 212.3684

For more details.

WHY RENT?

TURNER

Gorgeous 1999 ranch In Turner. Features2.5acres,awesomeviews,deck,3bedrooms& more! MLS # 1071840 ONLY $149,900!John 754.9492

LEWISTON

Gorgeous fully rented 2 unit inLewiston. Features garage, fenced in yard,3 season porch, vinyl windows and sidingand more! Awesome owner occupy!!#1070356 ONLY $89,900!Roy 754.6789

NEW LISTING!

Gorgeous mobile in Minot. Features9 acres, atv/snowmobile trails,2 sheds, portable car port & deck.Mobile has been tastefully remodeled& is being sold furnished. #1074946ONLY $85,000! Call Roy at 754.6789

RIVER FRONT!

Cute river front property in Auburn.Features hardwood "oors, upd kitchen,formal dining, built-ins, deck, fenced in backyard & awesome water views!! #1049302ONLY $65,000! Laura 212.8633

8+ ACRES NEW LISTING!

Own your own business! Building w/ approx 4000 sq.ft. in Sabattus. Features approx 9 private wooded acres,2 kitchens, 2 wet bars, 2 dance halls, 3 bathrooms,gorgeous rock!replace&gorgeousviewsofSabattusLake.Ideal for hall rentals, receptions, reunions, catering, "eamarkets & more! #1061912 $125,000. Call Roy 754.6789

Gorgeous ranch in Lewiston.Features garage, deck vinyl sidingand windows, 3 season porch,formal dining, propane !replace,hardwood "oors & more. Movein ready! Only $109,900! John754.9492

LEWISTON

Gorgeous & Spacious Cape inLewiston. Features 5 bedrooms,2 baths, hardwood, built-ins, formaldining, 2 car attached garage, 3 seasonporch & newer shingles. #1065554ONLY $149,900! Call Roy at 754.6789

AUBURN LEWISTON

Ranch in a wonderful neighborhoodin Lewiston! Offers 2 car garage, deck,private back yard, finished daylightbasement, tile flooring, 4 bedroom,2 baths & more! #1067243 ONLY$156,500! Roy 754.6789

Completely remodeled RaisedRanch in Lisbon Falls. Features5 bedrooms, 2 full baths, stainlesssteel custom kitchen...everythingis brand new! #1066290 ONLY$149,900! Call John at 754.9492

LISBON FALLS

Gorgeous 2007 home in Auburn!Features 1/2 acre, 1 car garage,patio, 3 bedrooms, 2 baths& more. Nestled in a subdivisionw/ cul-de-sac. #1062031 ONLY$137,500! Laura 212.8633

FULLY RENTED

Well kept fully rented 3 unitin Lewiston. Features 3 cargarage, ample parking, niceyard, laundry hook-ups, porches& newer furnace. #1057487 ONLY$114,900! Roy 754.6789

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506 Main StreetLewiston, ME 04240

StreetMain506

Bob Brickel650-8209

Immaculate 2 bedroom home Nearly maintenance free! 2 cargarage, vinyl siding, enclosed porch. Great location, centrallocation with many upgrades. $93,000

Lovely Cape with three bedrooms one and a half bath, two carattached garage. Beautiful glass enclosed sun porch that looks out ontothe pool. Family sized home with many amenities! $200,000

Nearly

Maintenance Free

Perfectly

Private Yar

d

506 Main StreetLewiston, ME 04240

StreetMain506

Luxurious condos with great views ofPenobscot Bay. Quality construction in oneof Maine's finest condo development. Deepwater, docks, deck and patio, 4 1/2 bathsand many extras! Call For Pricing Details!!

Bob Brickel650-8209

Oceanfro

nt

Condos

ofviewsgreatwithcondosLuxurious

Shoppingfor a Maine

home issimple at


998-4516 Ext. 203 Cell: 207-240-9196EMAIL: [email protected]

Visit: www.TerryHewitt.comfor ALL current listings in Maine

TERRY HEWITT

BELANGER REALTY

Re!" E#t!t$ %&t' ( )&*+r+,- ./&,- 0 1i+2...Y34rs!

MaineinlistingscurrentALLfor

)&*(%&t'E#t!t$Re!" 0./&,-+r+,- 1i+2...Y34rs!TerryTerryHewitt

Visit: www.TerryHewitt.com for ALL current listings in Maine

COMMERCIAL LOT MECHANIC FALLSGreat Level parcel of land for any business or commercial venture. Public water at the street, 3 phase electric, 812 feet of frontage on the Lawrence And Atlantic Railroad,Public sewer nearby. Heavily traveled State road .........................................................................................................................................................................$195,000

WATERFRONT THOMPSON LAKEThis 33 acre property offers 2 islands with a small cabin & out house, boat mooring, rights to a wonderful sandy beach on Pristine Thompson Lake stone walls & muchmore! This is a great way to own unique piece of Maine waterfront at an affordable price...........................................................................................................$149,000

OVER 8 ACRES WITH VIEWS on Thompson Lake plus OWNED waterfront for you enjoyment. Boat, swim and enjoy one Maine’s nicest Lakes. ..........$174,900

AFFORDABLE LAND LOTSAffordable Mobile friendly lot, Lots of privacy, Dead end road POLAND.........................................................................................................................................$19,900

1.6 ACRE LOT IN A GREAT LOCATION, dead end paved Road, Lot is High and Dry, surveyed and ready to be built on in MECHANIC FALLS........... $19,900

LOTS WITH A VIEWBUILD YOUR DREAM HOME on this Nice 10+- acres with rolling !eld views. Nice location in BUCFIELD........................................................................$39,000

WONDERFUL VIEW LOT IN MINOT, Lot is partially cleared and circular driveway has been completed. The impact fee has been paid. This gorgeous piece ofland is ready for you to build your dream home!! .................................................................................................................................. $54,900

POLANDQuality built home on a quiet dead end road,wood and tile "oors, 2 large bathrooms, large

family room, nice oak kitchen, 2.8 acres ofprivacy, seasonal water views, deck and much

more. Seller has short sale approval!!$164,900

THOMPSON LAKE2 car garage with guest quarters on Pristine

Thompson Lake. 8.3 acres of peace andserenity. 200 feet of deep water frontage.

2 huge decks, !eldstone !replace, tar drive,outbuilding, and much more. A must see!

$399,000

POLANDQuality home offers wrap around covered

porch, grand !replace, wood and tiles "oors,sunroom, decks, 2 baths, formal dining room,

large barn + 2 car garage, Pastoral viewsof Tripp Lk. Gorgeous woodwork,updated

systems, was used as B&B at one time.$179,000

THOMPSON LAKE BEAUTYGorgeous year-round home offers wood & tile "oors,

stone !replace, 3 or 4 bedrooms, HUGE customkitchen and dining area, large master suite, 2 full

baths, expansive water views, patio and deck area,tar drive, sandy waterfront on pristine Thompson Lake.

$349,900

WONDERFUL LOCATION OXFORDOver 5 acres of peace and serenity. Watch the

wild life from your front door. This newly updatedranch offers, open "oor plan, new "ooring, new

roof, recently painted, 3 bedrooms and 1.5 baths.Affordable living loaded with extras!

$119,000

THOMPSON LAKEThis quality built, immaculate, year-round homewith expansive Thompson Lake & Mt. views from

almost every room offers 4 large bedrooms,open "oor, cathedral ceilings, 420 feet ofwaterfront, 2 dock systems, HUGE garage.

$449,000

WHITNEY PONDThis classic Maine Cottage on Whitney Pond

offers 4 bedrooms, large deck, wonderfulwater views, sandy bottom for great

swimming, woodstove, wood "oors, yearround access, large lot and much more!

$189,000

MIRROR POND OXFORDThis wonderful post and beam home offers sandywaterfront on Mirror Pond, large lot, water views,

cathedral ceilings, custom kitchen, spacious bath withjetted tub, open "oor plan, radiant heat, and more!

Swim !sh and enjoy!$219,900

WHITNEY PONDThis Wonderful year-round Post and Beam home onWhitney Pond offers screened porch, deck,3 wood

stoves, wood & tile "oors, 2 baths, cathedral ceilings,exposed beams, 1st "oor master, tar drive, huge

garage, plus much more!$289,000

LAND


Which one is right for YOU?mainehomeseller.net


This spotis beingreserved

especially foryour listing

1053020 Both a new kitchen,a new roof and windows in

3 bedroom ranch nearSt. Mary’s Hospital.

$105,000Call Mary Ann 577-2754

RUMFORD1060428 3 bedroom, 2 bathNew Englander. Hardwood

!oors, new Buderus furnace,new roof, gorgeous porch.

$79,900Call Sheila 212-7405

RUMFORD1058120 meticulous 3 bedroom

home w/2 car detachedgarage, landscaping is pristine,

gorgeous home. $175,000Call Sheila 212-7405

1065201 Bank owned,BANK WILL FINANCE 100%,FOR BUYER, 3-4 bedroom

home has 2.5 baths. Fairviewarea, huge yard. $104,900Call Mary Ann 577-2754

WORTHLEY POND1066189 Gorgeous year round home

on 30 acres w/95’ water frontageon Worthley Pond. 4 bay garage,

overhead apartment $384,900Call Sheila 212-7405

WEST SUMNER VILLAGE1064007 New England

farmhouse in West SumnerVillage, .29 acre,

3 bedrooms, priced forquick sale! $50,000

Call Sheila 212-7405

CARTHAGE1068581 Modular in excellent

condition, 1.70 acre, rural,attached 2 bay garage.

Numerous updates. $129,900Call Sheila 212-7405

PERU1039358 170’ frontage on

Worthley Pond. A year round 1989Saltbox 3 bedroom home. Tonsof glass, great views, skylights,

cathedral ceiling, .92 acre.$269,000 Call Sheila 212-7405

PERU1059974 LOG HOME on

1.72 acre lot with detached28x32 2 bay garage pluscarport. Gorgeous spot!

$136,900Call Sheila 212-7405

Mary Ann Norcross577-2754

Sheila Delamater212-7405

MTN. V

IEWS

FARM

HOUSE

1069410 Recently painted2 bedroom condo with all

appliances, private deck andgarage, pets allowed. $113,500

Call Mary Ann 577-2754

1064292 Home on TogusPond completely rebuilt,

has 3 bedrooms, 2 baths, allappliances, generator, gasstove and more. $193,500Call Mary Ann 577-2754

1059568 A 4 bedroom,2.5 bath tri-level has familyroom, "replace, garage with

storage and big yard withpatio. $148,800


1060467 OFF TURNPIKE!Washington Street gargaehas 5-8 overhead doors,

large paved lot, 3 furnaces,3 of"ces. $219,000


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• 473 Center Street • Auburn, Maine 04210Worden Office“An independently owned and operated member of BRER Affiliates Inc”

Enjoy theHolidays

HappyHolidays!


HOW MUCH CAN IAFFORD TO SPEND?

For a general idea of your buying power, multiply your annual grossincome by 2!. For example, if you had a household income of $50,000,you might be able to qualify for a $125,000 home. The actual number maybe more or less, depending upon your individual situation, debts and credithistory.

You need to decide for yourself if you canlive comfortably with the amount of yoursuggested monthly mortgage payment.

However, mortgage lenders generally usetwo ratios to help determine how much youcan afford to spend each month on yourmortgage payment.

HOUSING EXPENSE RATIO

As a general guide your monthly mortgage payment should be less than orequal to a percentage of your income, usually about a quarter of your grossmonthly income. The percentage can change depending on the type ofmortgage you choose. However, there are mortgage productsavailable that focus solely on the debt-to-income ratio. Yourlender can provide more information on these types ofmortgage products.

DEBT-TO-INCOME

Debt-to-Income Ratio is the percentage of gross monthly income that goestoward paying for your monthly housing expense, installment debts, alimony,child support, car payments, and payments on revolving or open-endedaccounts such as credit cards.

Your buying power can be affected by factors such as your income, debt andcredit history. Your debt, such as credit card bills and car loans, and otherexpenses such as housing expenses, alimony and child support, should not bemore than about 30-40% of your gross income.

Some helpful hints...! Set a budget with your estimated mortgage payment. Make sure to include

taxes and insurance in your estimated payments.

! Remember your housing budget should include utilitycosts and a set amount for future home maintenance

and repair costs.

! Make sure you can meet your other financialgoals, such as saving for retirement and payingfor college tuition.

! Once you review your finances, select a mortgage amount thatallows you to reasonably meet your long-term goals and needs.


$250,000.00Business Owners

Contact Stephanie Lewis to learn [email protected]

207-784-0161 • www.economicgrowth.org

Business loans available up to

Are you expanding, purchasing state-of-the-artequipment, upgrading your machinery, thinking of

starting a new company or even looking for anew business home?

Lewiston Development Corporation

• Prime 5.33 acre lot in Lewiston Industrial Park, a mile from Exit #80.• Site is graded and pad ready for building construction.• Fully permitted & approved for 150’ x 300’ or 48,000 sq. !. building.• Public water & sewer, 3-phase power, natural gas already installed.

Attention

equal opportunity lender


Rainbow FCU Main Office381-391 Main St. Lewiston

784-5453

Mechanic Falls Branch1 Lewiston Street, McFalls

346-3001

South Paris Branch172 Pine Street, So. Paris

743-5410

Auburn Office20 Washington St., Auburn

207-883-0351

Federally insured by NCUA

4 conveniently located branches to better serve YOU!

ARE YOU LOOKING TO...Buy aNewHome?

Refinancean

existingHome?

At Rainbow, “We are here for you!”Let us see what we can do for you.Call for a mortgage appointment

or apply online!

784-5435 207-783-0351

www.JerryDouglassRealty.com • www.JerryDouglassRealty.com • www.JerryDouglassRealty.com


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Serving the Central Maine area for over 30 Years

When You REALLY WantTO SELL OR BUY

Call (207) 782-2209


Owners Prideshown throughout this 3 bedroom2004 Lisbon Colonial. Large Fam-ily room, hardwood !oors, diningroom & manicured lot. Back deckoverlooks large, private backyard.

Call Jerry

The low cost of heating this energyef"cient home will amaze you!Stone chimney, 1st !r laundry,of"ce, dining rm & potential 4thbedrm or den. Freshly painted

inside & out. Attached garage & lgdetached garage. Call Bethany

Large Sabattushome offers lots of space! Family room w/

"replace, 4 bedrooms, laundry room, diningroom & "nished basement. Security system.

Attached 2 car garage. Attractive 1 acre lot ondead end street, minutes from turnpike exit.

Call Jerry

New Furnace!New Windows! Freshly Painted! NewEngland style 3 bedroom home with

2 enclosed porches. Immaculate, move-incondition. First !oor laundry room. Attached

garage & workshop area in walk outbasement. Priced to Sell Call Jerry

New RoofIntown affordable 3 bedroom home.Kitchen boasts high end stainless

range along with double wall ovens.Nice back yard with deck. Great

price and affordable taxes make thisa must see! Call Jerry

Looking to Invest?This 6 unit has been exceptionally wellmaintained by one owner for 29+ years.

Full basement & vinyl siding. Ample, pavedparking area. 100% Occupied with long term

tenants. Building is in excellent condition -must see to appreciate! Call Jerry

Upscale Apartment House with Good CashFlow, MH Park within 25 miles of Lewiston

WANTEDClass A or B Of!ce Building within 50 miles

of Lewiston/Auburn

Documents

December 2012 RER