Get to Know the Town of Southborough
Suburban location, pleasant neighborhoods, historic school system and an easy commute to Boston - These are all descriptions appropriate to the Town of Southborough.
In its early days Southborough was known as "Stony Brook" and was actually part of the nearby Marlboro (or Malborough) in the 1600s. The Town of Southborough did not become a town on its own until July 17, 1727.
During that period, the Town of Southborough was primarily a farming and agricultural community with saw and grain mills as well as iron works. The town's inhabitants spent their days tending crops, working in the orchards and watching over their cattle. One of the remnants of that life is still the existence with the much beloved Galloway Striped Cows.
Railroads and small factories began to spring up by the mid 1800s along the two branches of the Sudbury River. One of these factories was the Cordaville Cotton and Woolen Mill, a mill that made blankets for the Civil War. Its name "Cordaville" remained as a name to one of the four villages in Southborough.

By 1898 water was becoming more of an issue for the community and the Fayville Dam was built. Even after this, the town of Southborough remained a rural community until after World War II. The housing boom of that period along the coming of the" high tech" industry along Route 495 began to change the landscape of the entire area.
Today, there remains a great deal of open space in the town of Southborough with a quarter of the town taken up by the Sudbury Reservoir. And now there are a number of neighborhoods that have been built including Killam Farm, Liberty Estates, Pine Hill Estates and Presidential Estates.

The Southborough Town Hall, called the "Southborough Town House" is part of the downtown area along with a several shops, restaurants and a nail salon that I frequent.
Along with a number of surrounding towns, Northborough (Northboro), Marlborough (Marlboro) and Westborough (Westboro), the town of Southborough has two distinct ways to spell its name.
How do you spell "Southborough?"
Actually, whichever way you choose.
Copyright 2012 "Get to Know the Town of Southborough"
This post was written by
Claudette Millette, Broker, Owner, The Buyers' Counsel - (508) 881-6230
An Exclusive Buyer Brokerage serving the Greater Metrowest area
The Elements of a Massachusetts Offer to Purchase Real Estate
Once you have found the perfect home, it is the job of your Realtor® to write up an Offer to Purchase. Since Massachusetts has a two-contract process, the Offer to Purchase is the first step, to be followed in 7 days to a week by the Purchase and Sale Agreement.
The Massachusetts Offer to Purchase is typically written on the standard preprinted form provided by the local board. However, the contingency pages are another matter. These pages are specifically geared to protect your interests as a home buyer, and specifically - your deposit.
The contingencies should always include the following:
The Financing Contingency - This states the amount of financing you will be applying for and accomplishes two things. One, it protects your deposit should your financing be turned down and states that if you are unable to obtain your loan by a certain date, you may withdrawn from the transaction and have your deposit money returned. Two, it tells sellers how strong a buyer you are. They can see from the mortgage amount whether you are a 5%, 10%, 20% down or more buyer and this could be a factor in a multiple offer situation.
The Home Inspection Contingency - Written into the offer is a time-frame, usually one week, to give you a chance to have the property inspected. This gives you a chance to thoroughly inspect the property you are buying along with a professional home inspector. It should be written in a way that allows you to get out of the transaction, if the home does not meet your needs, with your deposit returned.
Additional Contingencies - These will be tailored to meet the particular circumstances of the buyers' needs. For example, perhaps there is an unknown fact about the property that must be checked into, i.e., "Offer is contingent on information regarding the adjacent vacant lot."
The body of the offer should contain the following:
Keep in mind that the price is not the only point of negotiation, although it is usually the strongest. Other factors are: how strong you are financially, if your closing date is agreeable with the seller's plans and how flexible you can be.
Some Massachusetts home buyers make the mistake of thinking that since the Purchase and Sale Agreement will be the ultimate contract, the Offer to Purchase is unimportant.
Make no mistake - The Offer to Purchase Real Estate is a legally-binding document and one that needs to be written with great care.
Copyright 2011 "The Elements of a Massachusetts Offer to Purchase Real Estate "
This post was written by
Claudette Millette, Broker, Owner, The Buyers' Counsel - (508) 881-6230
An Exclusive Buyer Brokerage serving the Greater Metrowest area
Buying a Home in Massachusetts - What to Expect at Your Closing
All the heavy lifting has been done. You have completed your home search, found the perfect house, been through an inspection, signed the purchase and sale agreement, secured your mortgage financing and conducted a final walk-through. The time for your closing has finally arrived and there are some details that you should be aware of.
Who attends your Massachusetts closing?
A closing is usually attended by your buyer agent, the listing agent, the closing attorney and, sometimes your attorney. It is a good idea to have your attorney present if at all possible. But, the next best thing is to make sure that she is reachable, in the event of any last minute issues.
Items you must bring to your Massachusetts closing:
Items that are brought by the seller:
Filing for Homestead Protection at your Massachusetts Closing
The Massachusetts Homestead Act provides you with protection against lawsuits. There is now an automatic protection of $125,000 even if you do not file. But if you do file, you are afforded protection of $500,000. The closing attorney should have the necessary papers for you to sign.
When is the home officially yours?
After the papers are signed, the deed must be filed at the Massachusetts Registry of Deeds. If your closing takes place at the registry, this will happen within minutes. However, most closings are done at an attorney's office. In that case, a specially designated person will pick up the deed and bring it to the registry within the hour.
When all of the documents have all been signed, money has changed hands and the keys are handed to you, your closing is done.
You are now, officially, a homeowner.
Copyright 2011 "Buying a Home in Massachusetts - What to Expect at Your Closing"
This post was written by
Claudette Millette, Broker, Owner, The Buyers' Counsel - (508) 881-6230
An Exclusive Buyer Brokerage serving the Greater Metrowest area
Massachusetts Real Estate Closings Must Now be Conducted by Attorneys
An important ruling was handed down last week concerning the role of attorneys in Massachusetts real estate closings. The decision will have, not only an impact on the legal profession in The Commonwealth, but will also affect home buyers.
A dispute that began in 2006 between the Real Estate Bar Association and National Real Estate Information Services was settled by the Massachusetts Supreme Judicial Court.
The original argument stated that closing companies such as NREIS and their provision of services to mortgage lenders which included the practices of title examinations, drafting closing documents and disbursing settlement funds amounted to "the unauthorized practice of law." Via an article in The Boston Globe.
This case was originally ruled on in 2009 by a U S District Court judge who found in favor of the Pennsylvania based real estate services company. The local real estate bar was ordered to pay nearly $1 million in fees and court costs. However, last year a federal court overturned the ruling and sent questions to the Supreme Judicial Court. The main question was - whether or not real estate closings need to be performed only by licensed attorneys.
The Massachusetts Supreme Judicial Court made its decision last Monday requiring "substantive participation" of attorneys in all real estate transactions thereby limiting the amount of work that can be outsourced to out-of-state entities that have had an interest in taking over the main functions of local residential closings.
Why is this decision so critical to home buyers?
A home purchase is a significant investment and usually the largest one that an individual or family will make in their lifetime. Buyers need to have that investment protected and the presence of a qualified attorney can help to insure that this happens. During the closing process complicated forms need to be explained to the consumer and a "closing company" that is simply providing a notary or a witness of document signing does not provide any actual legal guidance.
This recent ruling applies to refinancing as well as residential home purchases and confirms the importance of having a qualified attorney oversee the entire process.
Copyright 2011 "Massachusetts Real Estate Closings Must Now be Conducted by Attorneys"
This post was written by
Claudette Millette, Broker, Owner, The Buyers' Counsel - (508) 881-6230
An Exclusive Buyer Brokerage serving the Greater Metrowest area
Architectural Styles for Massachusetts Home Buyers
If you have been looking for a home in Massachusetts you may have noticed a number of different styles that appear on landscape. Some architectural styles are more popular than others but, to be sure, there is something available for a range of tastes.
Here are some of the more popular home styles you will find in Massachusetts:
Cape - The Cape Cod is one of America's oldest house styles. It was a popular style through the 1840s and later experienced a revival when mass production techniques allowed builders to fill developments with capes after World War II. The cape is usually symmetrical in design. The roof is a steep gable type covered with shingles. Originally, capes were small in scale. Now, there are many large capes with additional wings and dormers to increase their useable space.
Colonial - The colonial is the most popular architectural style in the United States. It was developed in the 18th century which is considered the Colonial period. The original colonials were symmetrical with four equal sized rooms on the first floor and four rooms above. The basic colonial still has two windows on either side of a central doorway and five windows across the second floor. The floor plan for the standard colonial is a central hall with stairs, a living room to the left that is two rooms deep and a dining room on the opposite side with the kitchen behind it. All bedrooms are located upstairs.
Gambrel - The gambrel has a ridged roof with two slopes on each side, the lower slope having the steeper pitch. The shape of the structure allows for a maximum of attic storage while still providing a weather tight roof. Because of the efficiency of storage the gambrel roof is often found on agricultural buildings as well as residential. The gambrel is thought to be attributable to the Dutch since Dutch colonials have a similar roof style.
Garrison Colonial - It is widely-thought that the garrison colonial's style was influenced by colonial block houses that were used for protection against unfriendly Indians. The overhang section was there to provide a good vantage point from which to safeguard the house from intruders. Other historians dispute this and say that the style was taken from the popular Elizabethan townhouses of the period that were being built in the overcrowded cities of England. This was due to the fact that the overhang area created additional living space on the upper floors.
Saltbox - In 17th Century New England, adding a single-story lean-to shed to the back of a house was a clever way of increasing space. By the 18th Century, the lean-to was being built into the original construction. The hallmark of a Saltbox is the sharply sloping gable roof that resembles boxes which were used for storing salt in old country stores. The front of the house is a two-story structure while the back slopes down until it becomes one story.
Tudor - The most distinctive feature of the Tudor house is called half-timbering. In this type of construction the actual framework of the house is left exposed and the space between the timbers is filled with brickwork or white stucco. This presents the appearance of what has sometimes been referred to as a "black and white house." Modern Tudor houses are often created using decorative woodwork that is, actually, false half-timbering. Other characteristics of the Tudor style are diamond-pane windows, steeply pitched roofs, Tudor arches and bay windows.
Ranch - The first ranch home was designed by Cliff May and was built in San Diego, California in 1932. The ranch style embraces the ability to move freely about, all on one level, without steps and into private patios and back yards. Today, many one-story homes are referred to as ranches.
Split Level - The split level home originated in the 1950s and 1960s with the purpose of having a separation of the formal, informal and sleeping areas of the house. The basic split level has the main living on the second level. This is where the living room, dining room and kitchen are. The bedrooms are located in a separate wing on the same level. It is standard to have the lower level function as a family room as well as additional recreation and storage areas.
Of course, these aren't the only homes found in Massachusetts. There are also Victorians, Queen Annes, Dutch Colonials as well as Contemporaries.
Whatever your taste may be, I am sure that you will find the perfect style to call home.
Copyright 2011 "Architectural Styles for Massachusetts Home Buyers"
Source Material from Buying a Home by Claudette Millette 2004
This post was written by
Claudette Millette, Broker, Owner, The Buyers' Counsel - (508) 881-6230
An Exclusive Buyer Brokerage serving the Greater Metrowest area
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