Homebuying Hub From Brandon Pratt

FHA loan requirements 2025

If you think your financial history might stop you from getting a home loan, think again! FHA loans are designed for people who want a low down payment and flexible financial requirements. They’re a great option for first-time homebuyers, too. 

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What is an HOA?

Certain residential communities have a homeowners association (HOA) to oversee aspects of the community. If you’re considering a property governed by an HOA do your homework and understand the rules, the governance structure and the HOA dues required. HOAs vary widely, so it’s wise to know before you buy.

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The 5 easiest houseplants to own

Bring the outside in with these 5 lovelies. See? It’s easy being green.

Watch here

Have questions or need more information?

CONTACT ME

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Brandon Pratt

Brandon Pratt

VP of Mortgage Lending / Loan Originator

M 617.688.6891

D 617-688-6891

www.theprattteam.com

brandon.pratt@ccm.com

Surfside Subs and Pizza Tuesday 4/29🦞$13.99 lobster rolls (comes with chips & pic) 🦞

🍕Half off any 18 inch pizza 🍕

🍔 $4.99 cheeseburgers (comes with chips & pic)

TIME’S ALMOST UP! Grant applications are closing Wednesday, April 30th, 2025!

TIME’S ALMOST UP! Grant applications are closing Wednesday, April 30th, 2025! Make sure to submit yours now at www.LoveCapeAnn.com/Grant-Application.

APPLICATIONS FOR 2025 GRANTS

The Cape Ann Community Foundation (CACF) invites 2025 proposals for grants. Applications will be available on Monday, March 31, 2025 and must be submitted by Wednesday, April 30, 2025. Grants are awarded from the proceeds made from the Cape Ann License Plate and direct donations from the community. Our grants range from $1,000 to $5,000 for projects that support the Foundation’s mission in the following areas:

  • Regional promotion: projects that support and enhance the quality of life for the Cape Ann region and the communities of Essex, Gloucester, Manchester-by-the-Sea and Rockport; and promote Cape Ann as a desirable place to live, work, recreate, and vacation.
  • Economic Development: projects that expand employment opportunities and enhance the economic vitality of Cape Ann, including but not limited to projects that facilitate the start-up of new enterprises or the expansion of existing enterprises on Cape Ann.
  • Training and Education: projects that support the training and education of the current and future Cape Ann workforce, including entrepreneurial training, to help Cape Ann residents succeed and thrive in the 21st-century economy.

Eligible applicants include religious, educational, scientific and cultural institutions; poverty relief agencies; and in general any organization that qualifies as a 501(c) (3) charity and is based in or providing services to the Cape Ann community. Local governments and their subdivisions in the communities of Essex, Gloucester, Manchester-by-the-Sea and Rockport are also eligible to apply for CACF grants.

The work the Foundation is able to accomplish with the help of the proceeds from plates on the road and generous bidders during our Low-Number Cape Ann License Plate Online Auction each year is a testament to the heart and soul of the Cape Ann Community and the pride we all hold for our beautiful area.” said Britta Cahoon, Co-Chair “Please don’t forget, if you already have a plate, you can continue to make a difference through a direct donation to the Foundation on our website and by spreading the word to family and friends.” added Tony Sapienza, Co-Chair.

For further information on the grant application process, call Sam Bevins at (978) 283-1601 or email sam@capeannchamber.com.

2025 Application

Your retirement plan may arguably be one of the most important plans you have in your lifetime, which is why you should feel confident about it. Have you gone through a retirement planning checklist to make sure you are on the right track?

 

Visit https://beauportfinancial.com/…/Retirement_Planning… to see considerations you should attend to before retiring. We are happy to help you get on track- give us a call at 978-283-0748!

Tip Top Tulips At Peak This Week

Tip Top Tulips at Felix’s Family Farm on Lowe’s Lane in Ipswich (behind the DQ) is expected to be at peak this week. We stopped by a few days ago and it was nearing full bloom. As always, the tulip field has a theme. This year the theme is Beauty which is supremely appropriate. As always, it’s a well organized, fun activity for all ages with reasonable pricing. i suggest going in the late afternoon as the sun starts its descent. It was a little overcast then day we visited but still delightful. We make a trip every year and it’s always wonderful.

From my beautiful wife Kate: Looking for a small commercial space ON MAIN ST for a very well established restaurant looking to open in Gloucester.

OK Gloucester! Looking for a small commercial space ON MAIN ST for a very well established restaurant looking to open in Gloucester. Maybe a few tables but focus is on take out!
Preferably lease space but will consider a purchase.
You can thank me later! 🙂

KATELYN CIARAMITARO

(978) 473-0922

katelyn.ciaramitaro@engelvolkers.com

120 Main St, Gloucester, Ma

REAL ESTATE ADVISOR

ENGEL&VÖLKERS’

Main Street Mothers Day Stroll May 10th Downtown Gloucester With Each Participating Store and Restaurant Donating $25 Prizes- Read For All The Info!!! Over $500 in Gift Cards

Tier One Marine Magic Destroyer Of Boat Grime. Effortlessly

Get 10% off and free shipping with stackable discount codes GMG10 and GMGSHIP www.tier1marine.com

Swan, Egret, male Cardinal and Deer on a Sunday Afternon

In between rain drops took some nature shots.

Surfside Subs and Pizza Monday 4/28🦞Lobsters $13.99 🦞🍕Half off any 18 inch pizza 🍕🍔 $4.99 Cheeseburgers (comes with chips and pickles) 🍔

Hope to see you on this beautiful on this beautiful day !!

Let’s get those fireworks for the 3rd of July!

ALL TICKET SALES FOR THIS EVENT WILL GO TOWARDS THE FIREWORKS!

FULL CASH BAR!

Jack Favazza, front man of Captain Jack and the Strangers, will be joined by a special guest for a night of fundraising for Gloucester’s 3rd of July fireworks!

Playing all your favorite Billy Joel and Elton John Hits!

Link here https://www.post3.org/event-details/a-fundraiser-for-fireworks-with-jack-favazza

“Perhaps I should not have been a fisherman, he thought. But that was the thing that I was born for.”

Fair winds and following seas, Jaxson Marston. On Thursday I posted a photo of several scallop boats at Cape Ann Marina….and the very next day the fleet lost one of their own in a horrific accident… “Perhaps I should not have been a fisherman, he thought. But that was the thing that I was born for.” Ernest Hemingway, The Old Man and the Sea. Cruelly, with just a couple of short days left in this year’s scallop season Jaxson Marston, just 26 years-old, lost his life to the sea on Friday after a horrible accident on the F/V 25 to Life. Another reminder of how dangerous the livelihood of fishing is for those who are called to it. Sometimes, fishermen don’t choose fishing….fishing chooses them. I’ve sat and watched the scallop fleet outside of Gloucester Harbor after dark several times this season. It is such a beautiful, albeit somewhat solemn, sight. I also found myself compelled to turn around and finish my coffee at Cape Ann Marina after seeing the boats tucked safely in their borrowed slips for the day. Scallopers in town from Maine have rolled into the bar while I’ve been working for the last several years….always so nice…and funny….and young. Full of promise, excited about the day’s catch and the money that was temporarily filling their pockets. This year I’ve sat on the periphery at The Lobster listening to them joke, and share stories, and enjoy a needed respite from the long day done ….and the full day ahead of them. Gloucester, Massachusetts is an incredibly special place. The rich fishing history and heritage defines so many families and should be appreciated and revered by others. The work can be grueling….the days are long….and it is always dangerous. I took these photos of the Fishermen’s Statue almost four years ago to the day. There he is, doing his thing…Honoring and protecting the fleet and serving as a memorial for “Those Who Go Down To Sea in Ships.” Fair winds and following seas, Jaxson Marston. So, so sad. Thinking of his Captain, his fellow crew, his family, and his friends.

Input Needed For Pat D’s Photos

I am trying to get ahead on my ordering and would like your input on which nightlights you think I should stock up on in my inventory. The cost to me is rising fast and I want to stock up quickly so I can continue charging the same $25 for them as long as possible. So please respond in comments or reach out with your thoughts. Thanks a bunch!

Set your DVR! Monday night 7:30 Channel 5 Chronicle Main Streets and Back Roads of Gloucester, Mass.

Erika Tarantal gets to know Gloucester and the people who give it life. A local blogger gives us the expert inside tour, and Erika visits a community garden that promotes backyard farming. At the Gloucester Marine Genomics Institute, the fishing and biotech industries are working together on the cutting edge of marine biotech – and training a new generation of workers. A seaglass artist teaches Erika to make jewelry, and we visit Cape Ann Lanes, where the good times have been rolling since the 1950s.

Get ready to elevate your style with the LFG! Turquoise Five Panel Rope Cap From Gloucester Apparel!

Link to purchase- https://square.link/u/yI1LsZVo

This snapback cap in one size fits all is a must-have addition to your cap collection.