Another Property Sold – 19 Hammond St Waltham, MA

This Multi-Family in Waltham, MA recently sold for $590,000. This style home was sold by – Coleman & Sons Real Estate.








19 Hammond St,



Waltham, MA 02451

Multi-Family

$629,900
Price

$590,000
Sale Price

2
Units

1,668
Approx. GLA

Two family in a great location in Waltham. One block from Main St., near Supermarket, Dunkin Donuts, pizza/sub shops, bus stop and more. Heat is gas, both units are deleaded. First floor Living room is 15.5 x 15, Kitchen 14 x 11, Bedroom 1 is 15 x 12.5 and bedroom 2 is 15 x 9. Second floor First floor Living room is 15 x 15, Kitchen 15 x 7, Bedroom 1 is 15 x 11 and bedroom 2 is 12 x 9.

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The One Must Have Cleaning Tool You Need In Your Home

Microfiber cloths have become incredibly popular in recent years. Especially within the “green clean” crowd. And with good reason, while they might look like just another cleaning cloth they are actually in a class of their own.

In fact, you could think of them as the heavyweight champions of the cleaning cloth world. Because of the “micro” in microfiber, these clothes are able to do a lot more of the grunt work without the aid of a cleaning product. And those instances you would pair it up with a cleaner? You would need far less of it than you would if using another cloth material.

I know using less cleaner or even none at all sounds counterintuitive. But here’s why eliminating the need to use cleaning product is a good thing – if you don’t properly clean the surface of cleaning product residue you are going to be creating a dirt magnet. Huh?
Yup! You see it comes down to the chemistry of how cleaning products clean. There are specific molecules inside the cleaner that when combined with water are actually attracted to dirt and grime and able to carry them away. They pick them all up and hold them close. So when they haven’t properly cleared away from the surface they keep doing their job! They attract more dirt and more grime, holding on to every last bit they can.

As you can imagine the more product you have to use to clean up, the higher your chance leaving residue behind. This is where microfiber cloths save the day. Their unique two-pronged fibers that are indeed micro are able to pick up and hold onto anything it comes across. All without leaving anything behind it in its tracks.

Use dry for regular dusting and wet for all other uses. And how many there are! Tackle tile, counters, shower walls, and mirrors. All with just water and your microfiber cloth. Seriously, you won’t need glass clean or any sort of cleaning product here.

Use on a Swiffer in lieu of disposables for both dry and wet mopping floors. Keep one on hand in either your bag or car to spot clean any accidental spills on clothes. Yes, they can even tackle clothing stains! Replace germ breeding loofahs out for a microfiber. Store one in the bathroom cabinet for easy access to wipe down the counter and sink each day. And use one to wipe down the shower after use.

The care and keeping is simple. Daily clothes can be rinsed in warm water after use, machine washing weekly. However, avoid bleach and fabric softener as each will damage your cloth and reduce its effectiveness. “Refresh” clothes by boiling them in water with baking soda.  

Is 20 Percent Down Necessary To Buy A Home?

You may have heard that you will need 20 percent of the purchase price of a home to put down in order to buy it. As the prices of homes continue to rise. 20 percent of the purchase price of any home may not seem like a small feat to save up. It’s not impossible to buy a home. You may be able to get around the 20 percent rule in a variety of ways. Keep in mind that putting down as large of a down payment as you can will help you to land the home of your dreams a bit faster. 

The 20 percent down rule is sort of a myth. While the more you have saved up, the better your chances of standing out among other buyers are. You can still get a mortgage with less than 20 percent down from most banks. The drawback in not putting down 20 percent on a home is that you will need mortgage insurance (also known as PMI). Mortgage insurance is necessary if you put less than 20 percent down because the lender wants protection in case the home is foreclosed on due to a lack of payments.

All About PMI Payments

If you do put less than 20 percent down on a home, your PMI payments won’t go on forever. Once your loan is paid down a bit, you’ll be free and clear of PMI payments. As a rule, if the loan-to-value-ratio reaches 80 percent, you can ask your lender to cancel the insurance for you. When the loan-to-value ratio reaches 78 percent, the lender will automatically cancel the PMI. This is a welcome decrease in expenses since PMI insurance can add up to be hundreds of dollars per month.      

Finding A Way Around 20 Percent Down


Before you even decide to buy a house, you should look at financing options. There are certain programs that are available to you to help. If you know about them ahead of time, you’ll be able to take advantage of them.  

Government Programs


Many different government agencies have programs available to help people get a home easier. These programs will provide home loans with a low interest rate and little to no down payment. The downside to these programs is that many of them actually require you to purchase private mortgage insurance as a contingency to get the loan. You’ll need to plan for these extra expenses. There are even grants available to help you with your down payment. Check in your state or local HUD office for details on various programs that can assist you with your down payment on your first home. Through a bit of savings and research, owning your first home can be possible with or without 20 percent down.

How To Design A Small Living Room

Having a small living room gives you a great chance to cozy up and feel snug. It’s not such a disadvantage to have a small living space. If you buy the right furniture and place it accordingly, your small space can have big personality. For example, buying a larger sofa takes up more room than a love seat, yet you may be able to fit a love seat and two chairs in the same space. This gives you the ability to seat more people. Pro tip: Armless chairs are great for small living rooms.

If you’re short on space in your home, you can use the corners of the room for other purposes. Tuck a desk with your computer in a part of the living space to help you make the most of the area that you do have. This helps to give the room multi-functional purposes with style.  

Use Focal Points

Like every room of any home, you need a focal point. Does your small living room have a fireplace? Hang some art above the fireplace, in order to help both pieces stand out. Using that area of the room as a focal point gives the appearance of a larger room. Keep away from over-stuffing a room with furniture and decor, as it will appear smaller. 

Bring Out The Height Of A Room

You can make a small room feel bigger if you bring out the height of the room. Hang paintings a bit further up the wall than normal. You don’t want to make the space look awkward, but think outside the box to use the upward space of a small room. You may even consider placing molding type materials between one foot to a foot and a half from the top of the ceiling. 

Stacking Furniture Helps

No, we don’t mean for you to stack your furniture pieces on top of each other. You could place a cabinet behind the back of a sofa that’s facing in the opposite direction. This can help to save space and create a feeling of divide in between rooms. This could also be a handy way for you to place tables next to chairs- directly against them- in order for guests to have a handy place to put drinks or appetizer plates.              

How To Make An Entrance

Many times, the living room is also the entrance to the home. Your living space can also serve as the home office or a dual dining space. For these purposes, keep everything smooth. If you make a color transition from room to room, be sure that it’s subtle and well thought out. The overall color palette should be similar.