NPR ran a great article recently about mortgage secrets that will save you money. All 7 tips are definitely noteworthy and although number 4 is accurate, it's not for everyone. There's another way to acheive similar results without the commitment to a 15-year. Work with a trusted lender and definitely speak with as many as you need to until you feel comfortable. We have a network of preferred lenders who have proven themselves over the years.
Waterfront Lake House Vacation Rental on Ossipee Lake in Ossipee New Hampshire
Watch the Ossipee Lake Vacation Rental video here!
Peninsula property with three sides of water, outdoor Wet Bar, New Dock in 2018. Ideal Home for Family Gathering & Individual Space for Peace and Quiet! Two Levels with expansive floor plan, affording all guests to find a hiding area to nap or read after a day of fun in the sun. Over 3/4 of an acre located on a private peninsula w/ sandy shallow coastline offering an island feel. Sip coffee on the deck while watching the sun rise over the cove, and then cap your long day with a cocktail at the fire pit while watching the sun set over the bay overlooking mountain view. Brand new dock system, NEW fire pit, water volley ball & outdoor TIKI bar to maximize your outdoor entertaining options. Two paddle boards, three kayaks, corn hole, ladder ball and plenty of inflatable rafts and toys available for use. Plenty of indoor activities from family games, multi-generational library and plenty of room to either escape own your own, or gather with family and friends to make lots of fun memories! Owners purchased in December 2017 and have updated within the last 12 months. Brand new furnishings throughout home providing everything guests may need from the kitchen to beach.
Spacious master bedroom with plenty of room for portable cribs. Ideal for young families and perfect to bring the grandparents as there is a first floor bedroom w/ bath suitable for older generation guests who prefer not to contend with stairs. Perfect for winter rental, either weekend or week stays. Minutes to King Pine and only 30+ minutes to downtown North Conway!
Email firstname.lastname@example.org for details and reservations.
There are a brunch of reasons to go out on Easter - 2019!
These are just a few ideas and of course are subject to change...
Easter 2019 Events
Ipswich Kids! It's that time again! Find your favorite "house" in Ipswich (it can even be your own) and get creative! All mediums accepted, 8.5x11 preferred. Perfect project for April school vacation. Drop your artwork off at our office, along with the entry form below, no later than Friday May 5th, 2019. Keep an eye on our facebook page for your masterpieces! Paper registration forms are also available at our office. Stop by our office or the Ipswich Public Library any time for an entry form. You can also fill one out at our office when you deliver your masterpiece. Thank you to this year's co-sponsor Cummings Architects for supporting this great community event! It get's bigger every year!
This just may be one of the best quotes I've read in my 33 years of being in real estate... “Just because you know a realtor doesn’t mean they’ll do the right job for you,’’ Presti said. “They may not be working full time in the business or have the right experience for selling the type of property you want to sell or they may not be committed enough to put your needs first.’’ "In fact, an experienced agent, if you listen to their counsel, can help you avoid most of these mistakes, save for one: picking the wrong one in the first place."
There are a lot of "realtors" with real estate licenses these days but it takes much more than a license to be a REALTOR®. Boston.com's article on The Things Home Sellers Do That Can Turn Off a Buyer or Kill a Sale hits the nail on the head! Great read if you're thinking about selling your home now or ever!
Windhill's real estate advisors are experienced and willing to answer any questions you might have about the home buying or selling process.
Boston, MA is the most gridlocked city in the country! It's hard to believe we outrank Washington D.C., New York City and Los Angeles for traffic congestion but according to a new annual global traffic scorecard by Inrix and reported by WGBH, we are at the top of the list! What can you do about it? Why not move to a commuter town? Ipswich, MA and many other northshore towns are home to the commuter rail. Let us help you make the north shore your home. Leave the city grind behind.
Local events in Ipswich, MA
New Short-Term Rental Laws in Massachusetts Q&A
Massachusetts adopted a new law taxing and regulating the short-term rental market. The following information should help Realtors® navigate the short-term rental market under these new laws and regulations. For additional information, see the Department of Revenue's FAQ page.
What does this new law require?
The new law expands the state's hotel and motel tax to include the short-term rental of homes (condominiums, single family, multifamily, etc.). Massachusetts is one of the last states to adopt this type of tax. The tax applies to all rentals for a period of 31 days or less, regardless of whether the rental is for recreational, personal, or business use. At the insistence of MAR, the new law only applies to short-term rentals, meaning ordinary tenancies, such as an annual lease or a tenancy-at-will, are not covered by this bill.
The short-term rental rate varies by locality and is the total of the following rates:
- State: 5.7%
- Local: up to 6% (Boston 6.5%) Look up your city/town's local tax rate here.
- Cape Cod & Islands: includes additional 2.75% to fund Cape Cod and Islands Water Protection Fund
- A community impact fee of up to 3% may be assessed locally on professionally managed properties (Owners of two or more units in one town).
The law requires regulations to minimize the administrative burden on tax filings for those who only rent their unit five (5) months or less each year.
Are there any exemptions in the law?
The tax imposed by the new law does not apply to properties rented for fourteen (14) days or less per calendar year. It is important to note that these properties are still subject to the other requirements of the law, such as insurance and registration.
When will this law take effect?
Rental contracts that were signed on or after January 1, 2019 for stays on or after July 1, 2019 will be subject to the tax. We anticipate that the Department of Revenue will issue guidance on how to handle the tax on bookings made on or after January 1, 2019. The law exempts from tax any 2019 rental contract that was completed on or before December 31, 2018.
Does this apply to the units I rent?
As stated above, the new law applies to all rentals for a period of 31 days or less. Ordinary rentals, such as an annual lease or a tenancy-at-will are not covered. The new law applies regardless of whether the owner rents the property themselves, hires a Realtor® to rent the property, or uses an online platform to facilitate the rental.
Do I need to collect the tax?
Most likely, yes. The tax must be paid on or before the 20th day of the month following the month in which it is due. DOR will issue regulations to clarify this process.
Do I need to carry insurance for the listed properties?
Owners are required to maintain $1 million dollars in liability insurance to cover each short-term rental as of July 1, 2019. The coverage is required to defend and indemnify the owner or operator and any tenants in the building for bodily injury and property damage.
Do the properties need to be registered with the state or city/town?
Each rental unit will need to be listed with the state short-term rental registry. Additionally, each city and town is permitted to create a registration requirement for short term rentals. Check with your municipal government office for details.
Are there any inspections required?
Cities and towns may implement a health and safety inspection requirement and set the frequency of inspections. Short-term rental operators are required to cover the cost of inspections and will likely face a fee to cover registration costs as well.
Thank you to the Masschusetts Association of Realtors for providing this important information.
"The Fed had been raising interest rates slowly for two years, but the strong numbers suggested it might keep doing so — and at a faster rate than before. Fed Chairman Jerome Powell added to those fears in October with comments suggesting more hikes were coming."
Read the full NPR article here on the stock market and hints as to how it will affect interest rates and homeownership.
Thinking about buying or selling? Take advantage of our 200+ years of cumulative expertise. Contact one of our real estate professionals! Interested in speaking with one of our trusted lenders to get the latest on mortgage rates and trends, click here.
Ipswich, Massachusetts is home to 59 houses that were constructed in the First Period, or 1625-1725, of English settlement. Essex County is home to more First Period homes than any where else in the country. That kind of history means your chances of coming across a "haunted house" in your home search are higher. Would you buy a home that was suspect of a poltergeist or that cabin in the woods? Fall in love with a house that looks like the one from Amityville or Beetlejuice? Interestingly, whether or not the property has been the site of an alleged para psychological or supernatural phenomenon shall not be deemed a material fact required to be disclosed in a real estate transaction. SO ASK! Sellers are required to answer truthfully IF ASKED! Buyers BEWARE!!!