Cindy Gordon
Coldwell Banker Residential Brokerage | 774-249-4824 |

Posted by Cindy Gordon on 4/12/2018

Looking for tranquility in a country like setting AND an ideal commuter location? This beautiful architect designed Farmhouse has a contemporary feel and an open floor plan, perfect for your life style! The home design brings the outdoors in at every opportunity! The birch kitchen is complete with large island, breakfast bar, and pantry. Dine surrounded by nature in the screened-in porch off the dining room, overlooking the beautiful grounds. Gather in the family room with vaulted ceiling, fireplace and deck access. A spacious and private master suite includes a dressing room/nursery, plenty of closets and full bath. The house has 4 bedroom septic and currently uses 4th bedroom on first floor as den/playroom. Lots of space for play, exercise,media in finished LL walk out. Convenient mudroom area. Enjoy the outdoors relaxing on your front porch, back deck, screen porch or in the very spacious yard. All this and just minutes to Rt. 290, Worcester, Tower Hill Botanic Garden, & much more

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Posted by Cindy Gordon on 10/22/2017

A healthy lifestyle is a reflection of your personal values and the habits you cultivate on a daily basis. When you prioritize, in your own mind, the importance of taking care of your own health, as well as that of your family, you've laid the groundwork for a healthier home environment. One of the worst dietary habits that many families fall into is keeping the kitchen well stocked with ice cream, cookies, cheese, crackers, and potato chips. While the mantra "All things in moderation" is a good guideline to follow, many people -- especially children -- do not have the self discipline to put that idea into practice. As you may have discovered, motivating your kids to eat less junk food and more fruits and vegetables can sometimes feel like an exercise in futility -- and unfortunately, that's not the kind of exercise that burns calories! A Few Ideas For Healthier Eating Permanently purging your home of all signs of snack foods that contain "empty calories" is too extreme of a solution for most families! A more realistic alternative might be to buy snacks in limited amounts and opt for the "reduced fat" version, whenever possible. Then, by keeping a fresh supply of apples, bananas, and other fruit in the house, you're encouraging your family to make healthier eating choices. One way to present this alternative in a more appealing way is to make low-cal fruit smoothies for your kids, or teach them to do it themselves (if they're old enough). A proven method of helping to control portion size is to serve food on smaller plates. Not only does it create the illusion of a larger serving, but it helps to limit the size of second helpings. It doesn't work for everybody all the time, but it is worth a try! Offering ice water with meals, instead of sugary soda and fruit drinks, is another simple, but healthy habit for the family. A slice of lemon or lime can add to both the taste and visual appeal. There are literally dozens of other healthy food choices you can incorporate into your family's diet, but I'll leave those details to the nutritionists, dieticians, and medical professionals. There are also several authoritative websites online that can provide you with complete guidelines, recipes, healthy snacks, and meal plans. What About Exercise? As you've probably heard, a sedentary lifestyle is one of the leading causes of health problems in people of all ages. Fortunately, there are at least as many choices for staying physically active as there are excuses for avoiding it. Even if the idea of heading to the gym four times a week sounds about as appealing as being trapped in an elevator with a door-to-door salesman, there are plenty of other ways to stay in shape. Low-impact sports, such as golf, tennis, and swimming, can provide an array of benefits for both the mind and body. When all else fails, there's always the option of taking a family walk in the park or neighborhood. Sometimes adding a dog into the mix can provide an additional incentive to go out and "hit the pavement." While all exercise and dietary programs should be approved by your physician before getting started, there are quite a few common-sense approaches to improving health, such as portion control, junk food reduction, and age-appropriate physical activity (taking in account medical restrictions and personal safety.)

Posted by Cindy Gordon on 10/21/2017

Better than new! This gorgeous, light filled and spacious Morgan town home was loaded with $65k of upgrades and then became even more exquisite with owner's 2016 remodeling. Hardwood floors throughout first floor living areas! Magnificent kitchen w/ upgraded cherry cabinetry, newer island,quartz counter tops, glass tile back splash,stainless appliances & 5 burner gas stove. Kitchen is open to the Great Room with custom fireplace & extra windows, which leads to composite deck with pretty views. An elegant Dining Room with wainscoting and bay window is perfect for holiday entertaining. First floor master suite has upscale bathroom w/ travertine tiled shower and floor, marble topped dual sink vanity, soaking tub. Upstairs you'll find a bedroom, sleeping quarter, full bath & large loft area, great for an office and/or den area. The large walk-out Basement with sliders & windows is ready to finish. See list of all the upgrades which make this home special! It's move-in ready for you!

More Info on this Property | New Listing Alerts

Posted by Cindy Gordon on 10/13/2017

Seeking ONE FLOOR LIVING on a private lot? This one owner home in the desirable Birchwood Adult Community may be the one! Visit this well kept home that has everything you need on one floor- open living space living/dining, Eat-in kitchen, master bedroom with full bath and walk-in closet, two more bedrooms (that could be used as office, den and laundry with an one car attached garage. Many unit upgrades including hardwood floors in living areas and master BD, tiled entry and baths, recessed lighting,ceiling fan. A large full walk-out basement could be finished if you need more room! Situated at the end of a dead end street, this lot provides a tranquil and private setting w/ wooded views from your deck and indoors. Close to shopping, dining, highways. Don't miss this one!

More Info on this Property | New Listing Alerts

Posted by Cindy Gordon on 10/2/2017

Thereís numerous reasons why the name on a title to a home may not be the same as the name thatís on the mortgage loan. These reasons include:

  • Only one buyer had stable credit
  • Only one person was on the loan application
  • One person was released from the mortgage

No matter why this is the case, having your name on the mortgage but not on the title to a home can affect you and people residing in the home in different ways. 

Why Would Only One Name Be On The Mortgage?

If people are looking to get a home or refinance a home, but only one person has good credit a decision must be made. For the best possible mortgage rates, youíll want to person with the best credit to be the primary loan holder. This may mean that you need additional legal documents in the process.  

The person with lower credit may still be able to have their name placed on the title to the home. Anyone who plans to contribute financially to a home, even if not on the mortgage, should place their name on the title. This would be one instance when a name would be on the title to a home and not on the mortgage loan. In this case, a person has property rights, but no legal-financial responsibility to the home. Itís important to agree on the home arrangement that youíre considering. This would be done through a will or a legal contract. This way, all parties are protected in regards to the ownership of the home should something happen to the individual whose name is on the mortgage.

Legal Things To Consider

Those who are listed on the mortgage are the people who are responsible for house payments. If a personís name isnít on the mortgage, it doesnít release them from complete responsibility from the home. If your name is on the title to the home but not on the mortgage, the bank generally has first dibs on the home if thereís a lapse in payments. If you want to keep living in the house, youíll have to keep making payments on the home. If you canít make the mortgage payments, youíll risk going into foreclosure. 


An issue that can come up if your name is not on the mortgage is that you cannot use the home youíre living in as a tax deduction. Even if you make payments on the home, in order for you to get tax benefits, your name must be on the mortgage stating that youíre legally responsible for the home. If you are paying for the mortgage because your name appears on the title to the home, you arenít legally entitled to pay, giving away your rights to tax benefits. If youíre married, filing jointly, and only one name appears on the mortgage, however, you can use this as a tax deduction. This becomes an issue if two unmarried people buy a home together.  

Ask For Legal Assistance

Whenever you have an issue with the title of your home or with names on the mortgage, itís good to consult legal counsel. The attorney can assist you in determining who is legally responsible for the home and if the people listed on the title of the home are correct. This can help save you from trouble at a future date.

Since credit scores and loans can get messy at times during the home buying process, itís good to understand all the implications of home mortgages and titles.

Tags: mortgage   Buying a home  
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