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Maureen Harmonay
All agents are NOT alike! My approach is refreshingly "no pressure." I'd love to discuss your interests, and how I might be of service!

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  • Feature Homes - Homes for sale, listings, properties, & other real estate in Harvard, Bolton, and Boxborough, Massachusetts, with virtual tours, photos, and more. Serving Worcester County Real Estate.

  • Search All Properties - Search all Harvard, Bolton, and Boxborough area MLS listings in Massachusetts from real estate brokers.

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School Reports in Harvard, Bolton, and Boxborough, Massachusetts
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Real Estate Tips
Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Real Estate Trivia
Q 
What is the least affordable metropolitan housing market in the United States?

A 
California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation.
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Maureen Harmonay, REALTOR®, real estate agent and broker for Harvard, Bolton, and Boxborough, Massachusetts home listings, property and land for sale - NUMBER1EXPERT

Maureen Harmonay
Coldwell Banker Residential Brokerage

718 Main St.
Bolton, MA 01740
Cell: 978-779-2247
Office: 978-779-2247
Personal Fax: 978-389-0073
Voice Mail: 978-841-7664
Email: massachusettscountryhomes@NUMBER1EXPERT.com

I am passionate about preserving open spaces for pasture, habitat, or quiet enjoyment, and I bring that same level of commitment and energy to my work on behalf of buyers and sellers of country properties in the Central Massachusetts corridor, from Harvard to Princeton. I love what I do, I work hard at it, and it shows: my sales achievements perennially rank me among the top agents nationwide. I treat my buyer and seller clients the way that I would want to be treated: with respect, courtesy, attention to detail, and caring. My relationship with my clients is based on mutual trust, and I never stop knocking myself out to justify their vote of confidence in me. I will do the same for you. Just try me.

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