Scott Nelson

Before You Buy Check for Restrictive Covenants

You've just toured the home of your dreams and are ready to make an offer. You can already envision upgrades you would like make: a pool in the back yard, window shutters and a black picket fence to match. You're even excited that your boat will fit in the driveway. Yet, what you may not be aware of is that there are restrictions that dictate what can and cannot be done to or on the property.

Homebuyers, especially first-timers, may not think of asking about restrictive covenants, yet when you purchase property governed by restrictive covenants, you are consenting to abide by those provisions.

A restrictive covenant, which is a type of deed restriction, regulates a group of new and existing homes or building lots. Developers use them to preserve a development or subdivision as a model community and control its use and appearance. Buyers agree to the sometimes-rigid restrictions in order to maintain the aesthetic standard set by the developer and to safeguard the value of their homes.

Restrictive covenants should not be confused with local zoning and government regulations. Some covenants and zoning regulations overlap; for instance, either can limit the height of a building. But, restrictive covenants tend to exert greater control over a homeowner's lifestyle. In addition to standard clauses, which may stipulate a home's minimum size, height, architectural style, and color schemes, covenants often ban practices that could be regarded as aesthetically objectionable--such as parking RVs, boats and non-running vehicles on the property.

Covenants may additionally regulate grass height; window treatments; holiday decorations; walls, fences and hedges; as well as pets--some limit number and type of pets allowed. Very often, owners are required to make repairs within a specified number of days of the initial notification. Depending on a community's location and other unique features, restrictions may be applied to the use of pesticides, herbicides and fertilizers and removal of dirt and trees. Owners can be prohibited from installing solar panels, building an enclosed patio or adding a swimming pool. Restrictive covenants can also prevent owners from renting the home or operating a home business, including music lessons and daycare. Condo and townhouse owners sometimes face even more rigid restrictions.

What happens when a violation occurs? It's up to the homeowner's association or individual property owners to enforce a covenant. Local authorities cannot enforce contractual agreements. Instead, it's likely that a committee would review the complaint, then notify the homeowner. If the homeowner ignores the initial notice, he or she might receive a notice from an attorney. Legal action would be a last resort.

Before You Buy

While most homeowners enjoy the quality of life resulting from restrictive covenants, some covenants may prevent you from living the life you planned. Before committing yourself to a property, be certain you can live with all the restrictions.

•· Ask to see a copy of the restrictive covenants prior to taking a trip out to a property. You may be able to eliminate the house from your "To See" list.

•· If the sales professional didn't have the document available initially, be certain to review a copy of the restrictive covenants prior to making an offer.

•· Or, make your offer contingent on your review and approval of the restrictive covenants.

09/21/2009 Upcoming Auctions in Middlesex County, MA

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MIDDLESEX NORTH

Billerica
09/30/09 01:00 PM 6 Sesame St
Owner:Michael R Bruno
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:20564/173 D:09/25/06
Source:Billerica Minute-Man (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/07/09 12:00 PM 13 Alyssum Dr
Owner:Stephen R Hall
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:19669/153 D:12/22/05
Source:Billerica Minute-Man (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Chelmsford
09/30/09 03:00 PM 6 Talbot Ln
Owner:Michael C Veglas
Lender:US Bk Deposit:$15,000
Bk/Pg:19354/1 D:10/03/05
Source:Chelmsford Independent (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 10:00 AM 5 Kennedy Dr U:7
Owner:Louis Nocca
Lender:Citimortgage Inc Deposit:$10,000
Bk/Pg:20284/249 D:07/05/06
Source:Chelmsford Independent (09/10/09)
Atty:Ablitt Law Offices 781-246-8995

Dracut
09/30/09 11:00 AM 72-74 Elm St
Owner:Peter S Prak
Lender:Lehman Brothers Bk Deposit:$5,000
Bk/Pg:7847/210 D:01/26/96
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 12:00 PM 15 Frank St U:6
Owner:Sophy Diep
Lender:US Bk Deposit:$5,000
Bk/Pg:20533/151 D:09/20/06
Source:Sun (The) (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

10/01/09 10:00 AM 760 Nashua Rd
Owner:Hosanna All Nations Inc
Lender:Enterprise B&T Co Deposit:$10,000
Doc#:222695 D:02/27/04
Source:Sun (The) (09/08/09)
Atty:Timothy J Sullivan

10/07/09 02:00 PM 1288 Bridge St
Owner:David L Lavoie
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:20585/14 D:10/05/06
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

Lowell
09/16/09 12:00 PM 345-351 Hildreth St
Owner:Ralph C Alfaro Jr
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:4555/101 D:06/21/88
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/16/09 12:00 PM 9-11 Lafayette St
Owner:Frank J Belluschi
Lender:Onewest Bk Deposit:$5,000
Bk/Pg:18245/53 D:12/27/04
Source:Sun (The) (09/09/09)
Atty:Bendett & Mchugh 860-677-2868

09/21/09 04:00 PM 20 Powell St U:10
Owner:Nongsi Roun
Lender:Countrywide Home Loans Deposit:$5,000
Bk/Pg:*****/259 D:10/21/04
Source:Sun (The) (09/11/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 01:00 PM 2 Rockdale Ave
Owner:Jesus Ruiz
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:18991/153 D:07/08/05
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 09:00 AM 37 Short St U:2
Owner:Joanne C Waugh
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:18824/27 D:06/02/05
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 05:00 PM 2410 Skyline Dr U:11
Owner:Pamela J Blanchette
Lender:US Bk Deposit:$5,000
Bk/Pg:21080/1 D:03/27/07
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 02:00 PM 759 Westford St
Owner:Valdemar M Luis
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:19391/239 D:10/12/05
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 02:00 PM 759 Westford St
Owner:Valdemar M Luis
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:19391/239 D:10/12/05
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

09/24/09 11:30 AM 345 Hildreth St U:22
Owner:J Squared RT
Lender:Harkins RE Inc Deposit:$10,000
Bk/Pg:20893/88 D:01/08/07
Source:Sun (The) (09/08/09)
Atty:Mary C Connell 978-453-8895

09/24/09 11:30 AM 345 Hildreth St U:22
Owner:John A Faneros
Lender:Harkins RE Inc Deposit:$10,000
Bk/Pg:20893/88 D:01/08/07
Source:Sun (The) (09/15/09)
Atty:Mary C Connell 978-453-8895

09/24/09 11:00 AM 54 Willard St
Owner:J Squared RT
Lender:Harkins RE Inc Deposit:$10,000
Bk/Pg:22018/160 D:02/23/09
Source:Sun (The) (09/08/09)
Atty:Mary C Connell 978-453-8895

09/24/09 11:00 AM 54 Willard St
Owner:John A Faneros
Lender:Harkins RE Inc Deposit:$10,000
Bk/Pg:22018/160 D:02/23/09
Source:Sun (The) (09/15/09)
Atty:Mary C Connell 978-453-8895

09/28/09 12:00 PM 78-80 New York St
Owner:Flavio C Pereira
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:21532/96 D:08/16/07
Source:Sun (The) (09/11/09)
Atty:Harmon Law Offices 617-558-0500

09/30/09 09:00 AM 411 Lakeview Ave
Owner:David B Gravlin
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:21390/212 D:06/29/07
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/30/09 12:00 PM 351 Pawtucket Blvd U:8
Owner:Zhanna Dzabiev
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:19345/210 D:09/30/05
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/30/09 12:00 PM 351 Pawtucket Blvd U:4-8
Owner:Zhanna Dzabiev
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:19345/210 D:09/30/05
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

09/30/09 09:00 AM 233 Walker St
Owner:John P Anctil
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:21208/137 D:04/30/07
Source:Sun (The) (09/08/09)
Atty:Harmon Law Offices 617-558-0500

10/05/09 10:00 AM 77 Carmine St
Owner:Peter A Tataronis
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:16383/87 D:10/15/03
Source:Sun (The) (09/11/09)
Atty:Harmon Law Offices 617-558-0500

10/07/09 10:00 AM 15 Phillips St
Owner:Smy Reak Sin
Lender:US Bk Deposit:$5,000
Bk/Pg:17890/155 D:09/28/04
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

10/07/09 05:00 PM 40 Ruth St
Owner:Cheryl Skaltsas
Lender:Citimortgage Inc Deposit:$5,000
Bk/Pg:12049/245 D:08/22/01
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

10/07/09 10:00 AM 380 Varnum Ave
Owner:Sunnarin Uk
Lender:GMAC Mortgage LLC Deposit:$10,000
Bk/Pg:20241/33 D:06/23/06
Source:Sun (The) (09/15/09)
Atty:Harmon Law Offices 617-558-0500

Tewksbury
10/01/09 11:00 AM 337 N Billerica Rd
Owner:A R Maclellan RT
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:20483/200 D:09/06/06
Source:Sun (The) (09/10/09)
Atty:Michelle L Doucette 978-689-0800

Tyngsboro
09/28/09 10:00 AM 12 Pawtucket Blvd
Owner:Steven Choate
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:17897/54 D:09/23/04
Source:Sun (The) (09/07/09)
Atty:Ablitt Law Offices 781-246-8995

09/28/09 10:00 AM 12 Pawtucket Blvd
Owner:Steven Choate
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:17897/54 D:09/23/04
Source:Sun (The) (09/14/09)
Atty:Ablitt Law Offices 781-246-8995

09/30/09 10:00 AM 10 Shakespeare Rd
Owner:Nicole S Woods
Lender:Louis M saab Deposit:$10,000
Bk/Pg:20293/186 D:07/12/06
Source:Sun (The) (09/07/09)
Atty:Walter E Chambers 978-454-3883

09/30/09 10:00 AM 10 Shakespeare Rd
Owner:Nicole S Woods
Lender:Louis M saab Deposit:$10,000
Bk/Pg:20293/186 D:07/12/06
Source:Sun (The) (09/14/09)
Atty:Walter E Chambers 978-454-3883

10/07/09 12:00 PM 50 Middlesex Rd
Owner:Carol D Aguiar
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:20672/20 D:11/02/06
Source:Sun (The) (09/14/09)
Atty:Reneau Longoria 978-921-2670

10/09/09 02:00 PM 4 Mount Paul Rd
Owner:Timothy Kearin
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:18259/145 D:12/30/04
Source:Sun (The) (09/11/09)
Atty:Reneau Longoria 978-921-2670

Wilmington
10/07/09 12:00 PM 139 Nichols St
Owner:Nancy A Brown
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:20000/120 D:04/10/06
Source:Sun (The) (09/09/09)
Atty:Harmon Law Offices 617-558-0500

MIDDLESEX SOUTH

Ashby
10/07/09 10:00 AM 149 New Ipswich Rd
Owner:Frank L Bankuti
Lender:North Middlesex SB Deposit:$5,000
Bk/Pg:42937/527 D:05/26/04
Source:Sentinel & Enterprise (09/15/09)
Atty:T A Gibbons Law Office 978-772-2284

Ashland
09/24/09 01:00 PM 3 Denise Dr
Owner:David A Moore
Lender:Metlife Home Loans Deposit:$5,000
Bk/Pg:40062/478 D:07/16/03
Source:Metro West (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

10/02/09 12:00 PM 6 Old Country Path
Owner:Donald M Vallieres
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:31967/144 D:10/25/00
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Burlington
09/24/09 10:00 AM 175 Bedford St
Owner:David P Veo
Lender:Stoneham Bk Deposit:$10,000
Doc#:01336140 D:06/04/04
Source:Daily Times and Chronicle (09/03/09)
Atty:Nellie R Rosen 781-860-9500

09/24/09 02:00 PM 5 Violet Rd
Owner:Stephen Morecroft
Lender:First Priority CU Deposit:$10,000
Bk/Pg:45356/56 D:06/08/05
Source:Burlington Times-Union (09/10/09)
Atty:Alessandra E Petruccelli

Cambridge
09/29/09 10:00 AM 70 Hampshire St U:4
Owner:Robert A Stevens
Lender:Onewest Bk Deposit:$10,000
Bk/Pg:49877/381 D:07/31/07
Source:Cambridge Tab (09/11/09)
Atty:Ablitt Law Offices 781-246-8995

10/01/09 01:00 PM 1783 Massachusetts Ave U:6
Owner:Ryan Mccarthy
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:45703/496 D:07/25/05
Source:Cambridge Chronicle (09/10/09)
Atty:Korde & Associates 978-256-1500

Concord
10/01/09 02:00 PM 277 Border Rd
Owner:Delbert G Christman
Lender:Bank United Deposit:$5,000
Bk/Pg:49608/359 D:06/01/07
Source:Concord Journal (09/10/09)
Atty:Bendett & Mchugh 860-677-2868

10/01/09 10:00 AM 44 Bruce Rd
Owner:Ellen B Garthoff
Lender:Cambridge SB Deposit:$10,000
Bk/Pg:48582/518 D:11/30/06
Source:Concord Journal (09/10/09)
Atty:Barron & Stadfeld 617-723-9800

Framingham
09/17/09 11:00 AM 19 Ellis St
Owner:Marina Batista
Lender:Onewest Bk Deposit:$5,000
Bk/Pg:45728/518 D:07/28/05
Source:Metro West (09/10/09)
Atty:Bendett & Mchugh 860-677-2868

09/21/09 11:00 AM 595-597 Concord St
Owner:Philippe A Vert
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:43678/213 D:08/30/04
Source:Metro West (09/07/09)
Atty:Jon S Davis 781-834-9181

09/21/09 11:00 AM 595 Concord St
Owner:Philippe A Vert
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:43678/213 D:08/30/04
Source:Metro West (09/14/09)
Atty:Jon S Davis 781-834-9181

09/23/09 10:00 AM 135 Winthrop St U:22B
Owner:Jose A Florian
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:46835/277 D:01/17/06
Source:Metro West (09/08/09)
Atty:Harmon Law Offices 617-558-0500

09/23/09 10:00 AM 135 Winthrop St U:22B
Owner:Jose A Florian
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:46835/277 D:01/17/06
Source:Metro West (09/15/09)
Atty:Harmon Law Offices 617-558-0500

09/25/09 09:00 AM 1186 Worcester Rd U:1121
Owner:Anderson Castro
Lender:MERS Deposit:$5,000
Bk/Pg:48845/512 D:01/10/07
Source:Metro West (09/11/09)
Atty:Orlans Moran PLLC 617-502-4100

09/29/09 11:00 AM 215 Worcester Rd
Owner:Garo Framingham LLC
Lender:Framingham Retail LLC Deposit:$10,000
Bk/Pg:31734/353 D:08/21/00
Source:Metro West (09/11/09)
Atty:James A Manzi Jr 617-342-4000

09/30/09 02:00 PM 10 Rose Ln
Owner:Louis R Shotten
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:47334/555 D:04/19/06
Source:Metro West (09/11/09)
Atty:Reneau Longoria 978-921-2670

09/30/09 04:00 PM 15 Victor Road Ext U:B
Owner:Maria A Jacobs
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:47287/79 D:04/14/06
Source:Metro West (09/11/09)
Atty:Reneau Longoria 978-921-2670

10/01/09 11:00 AM 15 Doeskin Dr
Owner:Ethan Givoni
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:50065/403 D:08/31/07
Source:Metro West (09/09/09)
Atty:Jon S Davis 781-834-9181

10/01/09 02:00 PM 60 Donna Rd
Owner:Verlie A Todd
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:41015/26 D:08/01/03
Source:Metro West (09/09/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 02:00 PM 52 Dow St
Owner:Ubirajara Coelho
Lender:US Bk Deposit:$5,000
Bk/Pg:47509/226 D:05/24/06
Source:Metro West (09/09/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 04:00 PM 603 Winter St
Owner:Elaine M O Goncalves
Lender:Amtrust Bk Deposit:$10,000
Doc#:1413369 D:06/09/06
Source:Metro West (09/10/09)
Atty:Reneau Longoria 978-921-2670

10/02/09 09:00 AM 5 Rosslare Rd
Owner:Nilva F Achcar
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:47747/1 D:06/30/06
Source:Metro West (09/11/09)
Atty:Orlans Moran PLLC 617-502-4100

10/02/09 05:00 PM 15 Weld St U:75
Owner:Ariane Oliveira
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:47817/151 D:07/14/06
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Groton
10/09/09 12:00 PM 2 Throne Hill Rd
Owner:Luke Kenney
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:47489/294 D:05/17/06
Source:Shirley Oracle (09/11/09)
Atty:Harmon Law Offices 617-558-0500

Holliston
09/23/09 10:00 AM 8 Regency Dr U:8
Owner:Lori Cummins
Lender:Needham Bk Deposit:$7,500
Bk/Pg:46193/186 D:09/30/05
Source:Metro West (09/09/09)
Atty:Antonellis&Jachowicz LLP

Hopkinton
10/01/09 02:00 PM 8 Glen Rd
Owner:Robert E Mckinnon
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:47872/254 D:07/21/06
Source:Metro West (09/09/09)
Atty:Jon S Davis 781-834-9181

Hudson
10/01/09 10:00 AM 136 Central St
Owner:Maisa P Franco
Lender:MERS Deposit:$5,000
Bk/Pg:48068/360 D:08/24/06
Source:Metro West (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

10/02/09 01:00 PM 136 Central St U:B1
Owner:Izabel Santo
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:47767/313 D:07/05/06
Source:Metro West (09/11/09)
Atty:Ablitt Law Offices 781-246-8995

10/05/09 02:00 PM 48 Washington St U:4
Owner:Francis Sempebwa
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:45531/87 D:06/30/05
Source:Metro West (09/10/09)
Atty:Reneau Longoria 978-921-2670

Lexington
09/25/09 01:00 PM 38 Cedar St
Owner:James B Connolly
Lender:Morgan Stanle Credit Corp Deposit:$5,000
Bk/Pg:40252/164 D:07/31/03
Source:Lexington Minute Man (09/10/09)
Atty:Bendett & Mchugh 860-677-2868

09/29/09 01:00 PM 391 Lowell St
Owner:Pattammal Nadanasundaram
Lender:US Bk Deposit:$5,000
Bk/Pg:44602/94 D:02/03/05
Source:Lexington Minute Man (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 11:00 AM 237 Wood St
Owner:Mark G Indeck
Lender:EMC Mortgage Corp Deposit:$10,000
Doc#:1136641 D:04/10/00
Source:Lexington Minute Man (09/10/09)
Atty:Ablitt Law Offices 781-246-8995

10/06/09 04:00 PM 22 Butterfield Rd
Owner:Wie Ja Shin
Lender:Wells Fargo Bk Deposit:$30,000
Bk/Pg:50050/304 D:08/31/07
Source:Lexington Minute Man (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Littleton
09/25/09 05:00 PM 2 Worcester Dr
Owner:Rebecca Robinson
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:47780/416 D:07/03/06
Source:Littleton Independent (09/10/09)
Atty:Reneau Longoria 978-921-2670

10/01/09 10:30 AM 294 Great Rd
Owner:Pamela Baker-Coleman
Lender: Deposit:$5,000
Bk/Pg:21107/553 D:04/17/91
Source:Littleton Independent (09/10/09)
Atty:Gerald Breen 617-547-1171

Marlborough
09/21/09 12:00 PM 688 Boston Post Rd E U:207
Owner:Giovanni Nanni
Lender:Greenpoint Mtg Funding Deposit:$10,000
Bk/Pg:47973/466 D:08/10/06
Source:Metro West (09/07/09)
Atty:Ablitt Law Offices 781-246-8995

09/21/09 12:00 PM 688 Boston Post Rd E U:207
Owner:Giovanni Nanni
Lender:Greenpoint Mtg Fundin Inc Deposit:$10,000
Bk/Pg:47973/466 D:08/10/06
Source:Metro West (09/14/09)
Atty:Ablitt Law Offices 781-246-8995

09/24/09 12:00 PM 336 E Main St U:1
Owner:Christopher Miller
Lender:MERS Deposit:$5,000
Bk/Pg:47521/465 D:05/25/06
Source:Metro West (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

09/24/09 09:00 AM 298-300 Lincoln St
Owner:Juan Morales
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:46934/110 D:01/31/06
Source:Metro West (09/09/09)
Atty:Harmon Law Offices 617-558-0500

09/24/09 10:00 AM 26 Wilson St U:11
Owner:Donna Jasak
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:45291/427 D:05/31/05
Source:Metro West (09/10/09)
Atty:Korde & Associates 978-256-1500

09/25/09 11:00 AM 19 Birchwood Dr
Owner:Ogmar L Santos
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:44571/401 D:01/31/05
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

09/25/09 12:00 PM 145 Pleasant St U:A309
Owner:Valdivino F Dasilva
Lender:PHH Mortgage Corp Deposit:$5,000
Bk/Pg:42964/238 D:05/28/04
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

09/29/09 10:00 AM 91 Millham St
Owner:Hagop Iknaian
Lender:Bank United Deposit:$5,000
Bk/Pg:48654/207 D:12/08/06
Source:Metro West (09/08/09)
Atty:Bendett & Mchugh 860-677-2868

09/30/09 05:00 PM 336 E Main St U:5
Owner:Helen Torres
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:46865/397 D:01/23/06
Source:Metro West (09/11/09)
Atty:Reneau Longoria 978-921-2670

10/01/09 11:00 AM 166 Main St
Owner:Bluefin Properties 2 LLC
Lender:Marlborough SB Deposit:$12,500
Bk/Pg:47825/95 D:07/18/06
Source:Metro West (09/10/09)
Atty:Gerald S Cournoyer Jr

10/01/09 11:00 AM 230 Maple St
Owner:Bluefin Properties LLC
Lender:Marlborough SB Deposit:$25,000
Bk/Pg:43743/374 D:09/15/04
Source:Metro West (09/10/09)
Atty:Gerald S Cournoyer Jr

10/01/09 11:00 AM 223 Mechanic St
Owner:Mark Demers
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:45792/387 D:08/01/05
Source:Metro West (09/09/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 01:00 PM 25 Whittier Rd
Owner:Joseph E Bonica Sr
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:47315/1 D:04/20/06
Source:Metro West (09/09/09)
Atty:Jon S Davis 781-834-9181

10/02/09 11:00 AM 16 Clinton St
Owner:Maria Noriega
Lender:US Bk Deposit:$10,000
Bk/Pg:47183/3 D:03/17/06
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/02/09 03:00 PM 45 Lakeside Ave U:2
Owner:Jose Dacosta
Lender:MERS Deposit:$5,000
Bk/Pg:42137/471 D:02/27/04
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/02/09 12:00 PM 13 Turner Ridge Rd
Owner:Mark A Stoller
Lender:US Bk Deposit:$10,000
Bk/Pg:40435/482 D:08/12/03
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/25/09 01:00 PM 5 Gleason St
Owner:Francisco L Neto
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:43207/7 D:06/30/04
Source:Metro West (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Medford
09/25/09 09:00 AM 2362 Mystic Valley Pkwy
Owner:Marouane Bah
Lender:DLJ Mortgage Capital Inc Deposit:$5,000
Bk/Pg:47056/321 D:03/01/06
Source:Medford Transcript (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

10/06/09 11:00 AM 5 Washington St U:15
Owner:Domenico Didiego
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:40788/116 D:08/23/03
Source:Medford Transcript (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/07/09 03:00 PM 82 S Border Rd
Owner:Steven A Bosselman
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:45540/141 D:07/01/05
Source:Medford Transcript (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Melrose
10/06/09 12:00 PM 33 Franklin St
Owner:Nancy T Feeley
Lender:US Bk Deposit:$5,000
Bk/Pg:48462/106 D:10/26/06
Source:Melrose Free Press (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Natick
09/23/09 10:00 AM 60 High St
Owner:Donald J Bellofatto
Lender:HSBC Bank USA Deposit:$10,000
Bk/Pg:48740/389 D:12/22/06
Source:Natick Tab (09/11/09)
Atty:Harmon Law Offices 617-558-0500

09/25/09 02:00 PM 33 N Main St
Owner:Alexander Nazaretian
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:45692/410 D:07/16/05
Source:Natick Tab (09/11/09)
Atty:Ablitt Law Offices 781-246-8995

09/30/09 12:00 PM 17 Marion St
Owner:Melanie A Cariglia
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:48796/226 D:01/02/07
Source:Natick Tab (09/11/09)
Atty:Reneau Longoria 978-921-2670

10/02/09 10:00 AM 10 Langdon Rd
Owner:Gary Slickman
Lender:Aurora Loan Services LLC Deposit:$15,000
Bk/Pg:49143/405 D:03/13/07
Source:Natick Tab (09/11/09)
Atty:Harmon Law Offices 617-558-0500

10/02/09 10:00 AM 3 Porter Rd
Owner:Kenneth C Manchester
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:*****/**** D:01/10/07
Source:Natick Tab (09/11/09)
Atty:Ablitt Law Offices 781-246-8995

10/08/09 09:00 AM 13 Lagrange St
Owner:Myriam Jennings
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:47089/108 D:03/06/06
Source:Natick Tab (09/11/09)
Atty:Harmon Law Offices 617-558-0500

Newton
10/02/09 11:00 AM 62 Jackson St
Owner:Jason S Bergeron
Lender:Jericho T Deposit:$5,000
Bk/Pg:51425/300 D:07/10/08
Source:Newton Tab (09/09/09)
Atty:Steven A Ross 617-375-9000

10/05/09 01:00 PM 2234-2236 Commonwealth Ave
Owner:Anibal D Souza Jr
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:50177/174 D:09/25/07
Source:Newton Tab (09/09/09)
Atty:Harmon Law Offices 617-558-0500

10/05/09 03:00 PM 236 Linwood Ave
Owner:Robert N Lupo
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:43908/291 D:10/15/04
Source:Newton Tab (09/09/09)
Atty:Harmon Law Offices 617-558-0500

Pepperell
10/02/09 03:00 PM 4 Sheffield St
Owner:Todd W Fratus Sr
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:43932/306 D:10/20/04
Source:Shirley Oracle (09/11/09)
Atty:Harmon Law Offices 617-558-0500

Shirley
10/05/09 03:00 PM 35 Hazen Rd U:B4
Owner:Jeanne M Carney
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:48708/433 D:12/15/06
Source:Shirley Oracle (09/11/09)
Atty:Reneau Longoria 978-921-2670

Somerville
09/24/09 09:00 AM 20 Main St
Owner:Arnulfo Fernandez
Lender:MERS Deposit:$5,000
Bk/Pg:48858/383 D:01/12/07
Source:Somerville Journal (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

09/25/09 10:00 AM 244 Broadway
Owner:Antonio R Cardoso
Lender:Bayview Loan Svcng LLC Deposit:$10,000
Bk/Pg:50484/278 D:12/17/07
Source:Somerville Journal (09/10/09)
Atty:Harry Castleman 617-227-5660

09/29/09 02:00 PM 22 Dartmouth St U:1
Owner:Byung Y Chun
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:47160/48 D:03/24/06
Source:Somerville Journal (09/10/09)
Atty:Harmon Law Offices 617-558-0500

09/29/09 04:00 PM 84 Grant St U:15
Owner:Peter F Almeida
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:49182/31 D:03/26/07
Source:Somerville Journal (09/10/09)
Atty:Reneau Longoria 978-921-2670

09/30/09 05:00 PM 27 Prescott St U:2
Owner:Adam M Azia
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:43916/1 D:10/18/04
Source:Somerville Journal (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 12:00 PM 54 Sydney St
Owner:Daniel Marcelin
Lender:RBS Citizens NA Deposit:$5,000
Bk/Pg:22246/472 D:07/28/92
Source:Somerville Journal (09/10/09)
Atty:Korde & Associates 978-256-1500

10/02/09 04:00 PM 18-29 Governor Rd
Owner:Wilson F Costa
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:47214/264 D:03/28/06
Source:Somerville Journal (09/10/09)
Atty:Ablitt Law Offices 781-246-8995

10/02/09 10:00 AM 45-47 Tufts St
Owner:Richard J Arnone Jr
Lender:DLJ Mortgage Capital Inc Deposit:$5,000
Bk/Pg:48273/207 D:09/27/06
Source:Somerville Journal (09/10/09)
Atty:Orlans Moran PLLC 617-502-4100

10/06/09 02:00 PM 19 Durham St U:1
Owner:Joseph B Morelli
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:49603/281 D:06/08/07
Source:Somerville Journal (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Stow
10/08/09 10:00 AM 8 Wedgewood Rd
Owner:Corbett L Saunders
Lender:PHH Mortgage Corp Deposit:$5,000
Bk/Pg:43223/583 D:07/01/04
Source:Maynard Beacon (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Sudbury
10/01/09 12:00 PM 7 Beechwood Ave
Owner:David Herzog
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:46898/531 D:01/25/06
Source:Sudbury Town Crier (09/10/09)
Atty:Jon S Davis 781-834-9181

10/02/09 02:00 PM 39 Willow Rd
Owner:William L Mahony
Lender:Hudson City SB Deposit:$10,000
Bk/Pg:45470/454 D:06/22/05
Source:Sudbury Town Crier (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Waltham
09/28/09 02:00 PM 47 Lunda St
Owner:Ramzig Panossian
Lender:Onewest Bk Deposit:$5,000
Bk/Pg:48574/207 D:11/21/06
Source:Daily News Tribune (09/11/09)
Atty:Bendett & Mchugh 860-677-2868

09/29/09 10:00 AM 77 Amherst Ave
Owner:John A White
Lender:Citibank NA Deposit:$10,000
Bk/Pg:47564/112 D:04/28/06
Source:Daily News Tribune (09/08/09)
Atty:Ablitt Law Offices 781-246-8995

10/01/09 10:00 AM 230 College Farm Rd
Owner:Edward P Tirone Jr
Lender:Charlestown Capital Inc Deposit:$10,000
Bk/Pg:48777/289 D:01/03/07
Source:Daily News Tribune (09/08/09)
Atty:Steven A Ross 617-375-9000

10/05/09 12:00 PM 15 Livingstone Ln
Owner:Mariela Cuervo
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:48630/261 D:12/08/06
Source:Daily News Tribune (09/10/09)
Atty:Harmon Law Offices 617-558-0500

10/06/09 04:00 PM 20 John St
Owner:Richard Leblanc
Lender:Sutton Funding LLC Deposit:$10,000
Bk/Pg:49140/468 D:03/16/07
Source:Daily News Tribune (09/11/09)
Atty:Reneau Longoria 978-921-2670

10/06/09 04:00 PM 15 Totten Ct
Owner:Mirna M Garcia
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:49872/547 D:07/31/07
Source:Daily News Tribune (09/11/09)
Atty:Reneau Longoria 978-921-2670

10/07/09 01:00 PM 243 Lake St U:11
Owner:Anahit Ghazarian
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:50066/275 D:08/31/07
Source:Daily News Tribune (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Watertown
09/29/09 02:00 PM 61-63 Olney St U:61
Owner:Christopher Robbins
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:44291/502 D:12/13/04
Source:Watertown Tab & Press (09/11/09)
Atty:Jon S Davis 781-834-9181

10/05/09 01:00 PM 27 Bennett Rd
Owner:Anna N Kupelian
Lender:MERS Deposit:$5,000
Bk/Pg:46443/571 D:11/03/05
Source:Watertown Tab & Press (09/11/09)
Atty:Orlans Moran PLLC 617-502-4100

10/05/09 09:00 AM 146 Hillside Rd
Owner:Joseph Lepera
Lender:MERS Deposit:$5,000
Bk/Pg:48527/458 D:11/16/06
Source:Watertown Tab & Press (09/11/09)
Atty:Orlans Moran PLLC 617-502-4100

10/05/09 02:00 PM 156 Sycamore St
Owner:Gagik Voskanian
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:47220/357 D:03/30/06
Source:Watertown Tab & Press (09/11/09)
Atty:Harmon Law Offices 617-558-0500

Winchester
10/06/09 10:00 AM 39 Swanton St U:39
Owner:Lisa L Heller
Lender:Countrywide Home Loans Deposit:$5,000
Bk/Pg:49199/492 D:03/28/07
Source:Winchester Star (The) (09/10/09)
Atty:Harmon Law Offices 617-558-0500

Woburn
09/16/09 01:00 PM 110 Burlington St
Owner:Fabiola M Gomes
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:47277/464 D:04/12/06
Source:Daily Times and Chronicle (09/07/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 02:00 PM 18-20 Campbell St
Owner:Deryl J Witham
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:41632/179 D:11/18/03
Source:Daily Times and Chronicle (09/08/09)
Atty:Harmon Law Offices 617-558-0500

10/01/09 04:00 PM 47 Tremont St
Owner:Paul K Carriere
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:*****/0 D:09/15/05
Source:Daily Times and Chronicle (09/03/09)
Atty:Harmon Law Offices 617-558-0500

Medford Lions Club Recycle Eyeglasses for Sight

Medford, MA - Donate your old glasses for the less fortunate.


Mat Holis CLUB PRESIDENT - 617-470-9797
Scott Nelson - 781-820-2518 or Pondguard1@aol.com


MEDFORD LIONS RECYCLE FOR SIGHT

Medford, MA - October 15th, 2009. As Fall/Winter cleaning season gets underway, the MedfordLions Club is asking people to look through drawers and closets for old, unwantedeyeglasses and donate them to the Lions Recycle for Sight program.

During the month of October & November, the Medford Lions Club will be collecting used prescription eyeglasses and sunglasses as part of a uniquerecycling program throughout theUnited States and Canada. The glasses will be distributed to those in need in developing countries where eye care is often unaffordable and inaccessible.

"We need everyone to donate their old glasses," said Matt Hollis Medford Lions Club president. "In most developing countries, an eye exam can cost as much as one month's wages, and a single eye doctor may serve a community of hundreds of thousands of people."

The glasses will be shipped to one of ten Lions Eyeglass Recycling Centers where they will be cleaned, categorized by prescription and prepared for distribution by Lions and other groups. According to theWorld Health Organization, the eyesight of approximately one-fourth of the world's population can be improved through the use of a corrective lens.

To donate used eyeglasses, place them in specially marked Lions Recycle for Sight collection bin located in Prudential Prime Properties Wolfson Cutler Real Estate - 366 Salem St. Medford, MA.


When Donating Eyeglasses

·Please send both plastic and metal frames. Remove loose and broken lenses or damaged lenses and frames. Rather than store glasses for a long time, send as soon as possible to one of the Lions Eyeglass Recycling Centers. Time, extreme temperature and weather conditions cause damage to frames and lenses, often rendering them useless.

·Pack eyeglasses in a sturdy corrugated cardboard box. Layer rows of eyeglasses with tissue paper, newspaper or styrofoam. (Please avoid using shredded packing materials or styrofoam "peanuts.")

·Seal box with strapping tape.

·Be sure label is legible and include your return address.

·Used eyeglasses are of no commercial value; therefore, choose the least expensive means of shipping to the recycling centers (usually third or fourth class mail.) Label the box, "No commercial value."

·Please notify the Lions Eyeglass Recycling Center before sending large shipments of eyeglasses.

Please Refer to: http://www.lionsclubs.org/EN/member-center/planning-sight-projects/eyeglass-recycling/eyeglass-guidelines.php

In these difficult times you can really make a world of difference to someone with bad/poor eyesight but cannot afford to purchase the necessary glasses. Please feel free to contact Matt or Scott if you would also like to help out with an additional eyeglass drop off box.

Important FHA Property Tips

FHA PROPERTY TIPS

1.) Prohibition on Property Flipping

· All properties must be purchased from the owner of record and cannot involve any sale or assignment of the sales contract

· If the seller/owner of record has owned the property for 90 days or less from the date of acquisition, the property is NOT eligible for a mortgage insured by FHA. The date of acquisition is defined as the date of settlement on the seller's purchase of that property. The resale date is defined as the date the new buyer signed the sales contract; Exceptions include resales by relocations agencies, resales by employers to employees; sales of HUD owned properties, inherited properties and real estate owned sales by other federal agencies. Foreclosures with purchase agreements signed on or before May 10, 2010 are also exempt from the requirement.

· If the resale date is between 91 and 180 days: a second appraisal will be required if the resale price is 100% or more over the price paid by the seller when the property was acquired; the second appraisal cannot be paid by the buyer.

· If the resale date is between 181 days and 12 full months: a second appraisal or other additional documentation MAY be required at the lender's discretion if the resale price is 5% or greater than the lowest sales price of the property during the preceding 12 months.

2.) For 3 and 4 unit properties, FHA requires them to be self-sufficient, regardless of occupancy status. The maximum base mortgage amount is limited so that the total estimated fair market rent for all units, including the proposed owner occupied unit, less the 15% vacancy/maintenance factor for this area, must be greater than or equal to the proposed PITI for the subject property. Three months PITI reserve is also required.

3.) Properties having a private well and/or septic system will require connection to public systems whenever feasible. This requirement can be waived if the cost is documented by a plumber/professional and it exceeds 3% of the value of the property. A satisfactory Title V certificate is required in Massachusetts

4.) A domestic well must be a minimum of 50 feet from the septic tank, 100 feet from the septic tank's drain field and a minimum of 10 feet from any property line.

5.) Any nonresidential use of the property must be subordinated to its residential use and
character. A property, any portion of which is designed or used for nonresidential purposes, is eligible only if the type or extent of the nonresidential use does not impair the residential character of the property. Areas designed or used for nonresidential purposes may not exceed 25% of the total floor area, including storage areas or similar spaces that are integral parts of the nonresidential use.

6.) There are no limitations on the number of properties a borrower may own. However, the borrower may not have more than 1 open FHA mortgage at one time. Some exceptions to this rule do apply and can be considered on a case-by-case basis. The owner occupancy of the new FHA mortgage request must make sense.

7.) FHA limits the LTV to 85% on Identity of Interest transactions. An Identity of Interest transaction is defined as a sales transaction between parties with family or business relationships. Financing above 85% is allowed under certain circumstances.

8.) Non-occupying co-borrowers are allowed but are limited to single family properties only, if the LTV exceeds 75%. Non-occupying co-borrowers must be related by blood, marriage or law, or for unrelated individuals that can document evidence of a family type, longstanding and substantial relationship, not arising out of the loan transaction. If a parent is selling to a child, the parent cannot be the co-borrower with the child on the new mortgage unless the LTV is 75% or less.

9.) Effective with all case numbers issued on or after November 2, 2009, FHA condos must be on FHA's approved list or must be submitted to HUD for approval. Condos currently on the FHA list must also be 51% owner-occupied, must not be subject to special assessments and pending litigation.

10. ) If the dwelling or related property improvements is located within the fall distance of a high-voltage transmission line, radio/TV transmission tower, cell phone tower, microwave relay dish or tower or satellite dish - the property is not eligible for FHA financing.

11.) Dwelling or related property improvements located within 10 feet of a high pressured gas transmission line easement are not eligible for FHA financing.

12.) If the property is within 300 feet of a stationary, storage tank containing more than 1000 gallons of flammable or explosive material, the property is ineligible for FHA financing

13.) Fuses and/or circuit breakers are acceptable as long as minimum electrical service is 60 amps.

This list was kindly provided by:

Please take a look at the attachment and let me know if you have any questions. I have been looking out for these items for years but this could be especially helpful if you are listing a property and an FHA preapproval comes in from someone besides us.

Thanks, and please let me know if you have any questions.


Best Regards,

Joe

Joseph G. DeMarco, CMPS®
Certified Mortgage Planning Specialist
DeMarco Mortgage Team
Greenpark Mortgage Corp.
office 508 520-7888
Fax 508-520-7880
www.joedemarco.net

Tuesday, September 15, 2009

A plea for help from one of the readers

Image via Wikipedia

Hi,
I got a call today for a little older lady whose gas stove went bad today. She was wondering if anyone reading this and in a reasonable proximity to Medford, Massachusetts would be throwing out a gas stove. Anyone remodeling & upgrading & looking for a way to get rid of the old would make this woman very happy.

We have the plumber who will come & remove it properly, and a trucker who will haul it away. Any assistance would be greatly appreciated.