Archive for April, 2014

Lead Abatement Program in City of Lowell MA

This information comes from the Merrimack Valley Housing Partnership

The City of Lowell has received federal funding to assist Lowell home owners with the removal of lead paint.

We are working with the City to promote the program and to provide intake for applicants.

The program provides 0% interest loans. Owners of single family properties can receive up to $15,000. Owners of multi-unit properties can receive up to $12,000 per unit. The program is available to both investors and owner occupants.

More information is available on our website.

Ed Alcantara
Home Buyer Counselor

Maria Lopez
Project Coordinator

Jim Wilde
Executive Director

If you are a homeowner or soon to be homeowner you should check into this


Joan Parcewski, Realtor and Notary – Woods Real Estate (veteran owned and family operated real estate office)      O 978-262-9665   C 978-376-3978



Are you a healthcare professional? There is a loan program designed for you.

There are so many loan options on the market and it takes a mortgage professional to tell us about them.  Woods Real Estate stays close to its mortgage professionals to keep abreast of these options – incuding sometimes little know options – for our clients.

Here is a program from Leader Bank – sent to us by Kevin Buckley ( ) – Healthcare Professionals Home Loan Program

Eligible employers are

        *  Beth Israel Deaconess Medical Center

  • Boston Shriners Hospital
  • Brigham and Women’s Hospital
  • Cambridge Hospital / Cambridge Health Alliance
  • Boston Children’s Hospital
  • Dana Farber Cancer Institute
  • Harvard Pilgrim Health Care
  • Harvard Vanguard Medical Associates
  • Joslin Diabetes Center
  • McLean Hospital
  • Massachusetts Eye and Ear Infirmary
  • MGH / Partners Health Care System
  • MGH Institute of Health Professions
  • Massachusetts Mental Health Center
  • Medical, Academic and Scientific Community Org.
  • Mount Auburn Hospital
  • Spaulding Rehabilitation Hospital
  • The Center for Blood Research
  • The Schepens Eye Research Institute
  • Veterans Administration Boston Healthcare Systems

Terms and Conditions

 – Maximum loan amount of $1,200,000

– Property located in Commonwealth of Massachusetts

– Maximum CLTV of 90%
– Maximum debt to income ratio of 40%
– Minimum FICO of 720
– Eligible properties include single family primary residences and warrantable condos
– US Citizens and Permanent Residents only
– Must be employed by one of the institutions listed

If you work at one of these healthcare companies and meet these requirements, give Kevin Buckley a call


Joan Parcewski, Realtor and Notary, Woods Real Estate (veteran owned and family operated real estate agency)

MRP, SRES, GRI, CBR, GREEN, E-PRO, LMC, SFR, CDPE, CIAS     O 978-262-9665      C 978-376-3978





Seniors In Transition Seminar – Billerica Public Library 4/30

Are you or a loved looking towards retirement – Have you thought about the length of time you could be in retirment- 20, 25, 30 years.  Have you thought about the potential transitions that could occur during that time, in addition to the obvious – that being probably not working full time, possibly working part time, possibly not working, depending on retirement assets, depending on social security – being health during your retirment, having medical challenges during retirement and more

Do you remain living on your own?  Do you live with family?  Do adjustments need to be made within the home?  How does that work?  How do you pay for that?  What else do you need to think about

If you should need to move into alternative situation are your assets protected?  You worked and saved hard your whole live.

These are difficult things to think about before hand – and even more difficult when things need to be decided at the last minute when some options might not be available to you any more.

Having gone through this with my parents I know first hand how families not talking about these things and making plans together early on makes it more stressful and potentially more costly when decisions need to be made and actions need to be taken

Join us on Wednesday April 30th from 7pm to 8:30pm at the Billerica Public Library on Concord Rd in Billerica MA to get answers to as many of these questions as time will allow and the names and contact informaton for professionals that can take it further for you.

The panel discussion is being hosted by Joan Parcewski, Senior Real Estate Specialist and Certified Senior Home Professional designee, from Woods Real Estate in Billerica.   Professional panelists include Craig Strauss from Strauss Wealth Management – Karol Bisbee, Elder Law and Estate Planning Attorney (accredited by Veterans Administration) as well as registered nurse and co-author of “Protect Your Family! Don’t Writ a Blank Check to the Nursing Home” – Kathy Vasel, Mortgage Banker with Sage Bank in Wilmington – Peter Blaisdell, architect, and Priscilla Harcourt, architect assistant, from Kendall Tayler in Billerica (Aging in Place).

You can preregister at the Billerica Public Library website (as seating is limited) – by going to


Joan Parcewski, Woods Real Estate    O 978-262-9665   C 978-376-3978


Are you considered one of the baby boomer/senior population?

You might be surprised by the answer.

There are some sources who say that the “younger” or  “trailing edge” (as Metlife calls them) boomers are 45 -50 years old.  Surprised?

I was at a Women’s Council of Realtors event in Woburn a few weeks ago and the opening speaker Jody O’Brien) showed us a slide that said:

1. Younger Baby Boomers (ages 46 -54) – They are now entering their prime working years.  What does that mean for them? They will not have the home equity that will allow them to purchase those second homes.  This in turn will curb the second home market

2. And the Aging Baby Boomers (ages 55 to 64) – Because of the downturn in the economy and falling house values – They will need to keep working and many will need to stay in their homes until the home values recover

And then there are the silent generation who many of us think of as our parents, born between 1925 and 1945.

They are at the stage in their lives that they need our help – and hopefully there are families around them for support.  Many of them have lived in their homes for at least 20 or 30 years, some more.  They find themselves with a home that is too big for them to take care of but that probably is paid for.

Do they do a reverse mortgage, perhaps age in place by making changes in their current home and remain there and  live off their equity?  Do they downsize and move to a smaller home?  Do they sell the family home and move into with their children – going back to the old concept of multiple generations under the same roof?  Do they need to go into an independent living or an assisted living home or even skilled nursing.

These changes affect not only the senior, but also their family.

Have you prepared for the possibility of these changes in your life?  Many of us take action only when it becomes an emergency.  There is no pre planning.

Isn’t it better to have control of what can happen – and be the skipper of your own ship?

With this in mind I am hosting a Senior in Transition event on Wednesday, April 30th, at the Billerica Public Library on Concord Rd (Billerica) from 7pm to 8:30pm,  Seniors and/or their families are welcome to attend.  Seating is limited.  So pre-registration is required so that we will have enough informational packets available for everyone who attends.  This night you will meet a financial planner from Strauss Wealth Management (Craig Strauss), an elder law attorney who is also an estate planner (Karol Bisbee) and comes from a nursing background (who understands medicare and all the planning that needs to go along with that),  a mortgage professional (Kathy Vasel from Sage Bank), and an architect proficient in how to adapt your home or other living space to allow aging in place.

Bear in mind this is only a small segment of a bigger topic.  The plan is to have several of these events during the year – introducing other professionals you might need as you move through this transition.

Let’s work together to prepare you for life’s normal progression – as seniors transition through the various stages of their later years, as their needs change, and as they can find comfort in the fact that they took control of the situation and planned it out “their way”

To pre-register for this event – email with your name, phone #, and email address – also if you have any questions that you already may have and need to get answer, please provide that as well.  I will share with our panelists and we will consider those as we prepare this informational seminar.  Of course additional questions will be allowed that night as well.

Joan Parcewski, Realtor and Senior Real Estate Specialist and Certified Senior Housing Professional in training     O 978-262-9665  Cell  978-376-3978

Woods Real Estate   655 Boston Rd #6A  Billerica MA 01821

licensed in MA and by referral throughout the US and other countries

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