Move-in condition throughout, excellent area of homes. Open concept with cathedral ceiling and skylights, central a/c, security, central vac, inground sprinklers, first floor laundry. Two and a half baths beautifully updated, ceramic tile.
New roof, recent furnance. Lower level could be perfect in-law apartment. Exceptional landscaping with stone walls, granite patio, perennial gardens, mahogany deck.
Very private back yard with shed.
72 Cleveland St, Gardner, MA
231-233 Pleasant St, Gardner, MA
188 Leo Dr, Gardner, MA
29 West End Ave, Gardner, MA
2 Chapel St, Gardner, MA
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An interest-only loan is an adjustable-rate loan with an initial fixed period when only interest is due. They are typically available in 5-, 7- or 10-year terms.
Economists blame interest-only loans for the foreclosure crisis citing they were issued too freely.
Today, interest-only loans are more difficult to obtain. Borrowers were using interest-only loans to qualify for a more expensive home and when the interest-only term ended the payment went up leaving many homeowners unable to afford the mortgage payment.
Interest-only loans are now being used by wealthy borrowers as a financial tool to help them manage irregular cash flow, reap a tax benefit, or free up cash for investment elsewhere.
Lenders that offer interest-only loans have strict qualifying standards. They generally require 30 percent equity in a property, and a minimum FICO score of 720.
Lenders also look at the ability to pay back the loan is based on the fully amortized payment, not the interest-only payment.