Gail DuBois Realtor To Find A Home In Southborough


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While ordinary light fixtures can certainly do the job, they lack the fun and pizzazz of smart lighting systems. You can’t order your basic lamp to illuminate the room in a dazzling purple hue well before you even arrive home, after all. Or turn it back off after leaving the house and realizing you left too many lights on. With smart lighting, all that and so much more is within reach, giving you more control over your home than ever before.

What is Smart Lighting?

Smart lighting is an integrated system of high-tech light fixtures that connect to an app through Wi-Fi, so you can control them remotely.

Through the app, you can do many amazing things with the lights, like:

  • Select vivid hues
  • Activate fun effects
  • Change the brightness
  • Turn them off and on
  • Put the lights on a timer

Some lighting systems even use motion- and sunlight-detecting sensors to determine when to turn off and on. 

Smart Lighting Benefits

With smart lighting all throughout your house, you just have to tap a few buttons in the app to make changes and even set up the lights to run on their own. Thanks to those functions, you can enjoy all the following benefits.

Optimize All Your Activities

Smart lighting makes it easier to fully enjoy all your favorite activities. Need to dim the lights for a romantic dinner? You can do that. Want to turn on a strobe light and illuminate the room with a rainbow of color? That’s possible, too. You can even turn the brightness way up to better complete tasks, like prepping food for dinner and completing craft projects.

Dazzle Your Guests

When you have guest over, you can use your lighting to set the mood and elevate all your fun activities. You can click a few buttons to turn down the lights for your movie or change the color of the lights to match your board game for the evening. Your home will quickly become the go-to spot for all your gatherings, putting you at the center of the excitement.

Increase Home Security

You can boost your home security by using smart lighting to make it look like someone is always home. You just have to use the app to put different lights on a timer to turn on and off at certain times. As the light changes occur, intruders will likely see the activity and move on their way instead of trying to break into your home.

Save Money on Electricity

By turning your lights on and off using a timer, you don’t just have to leave them on all day while you’re away. The reduced usage will likely drive down your energy bills, helping keep more money in your pocket each month. As you save money on electricity, your household will also generate a smaller carbon footprint as well.

It’s amazing how many benefits a simple smart lighting system can provide – and it’s all within reach when you buy new construction homes.

Where Smart Lighting Works Best in the Home

New home builders often put smart lighting in every room of the home to give you full control of the lights from your app. That way, you don’t have to compromise on the functionality of your house. If you’reinstalling the lighting system yourself, you could start with shared living areas only. But it won’t be long before you’re wanting smart bulbs in the bedrooms, bathrooms and even the hallways.


This Single-Family in Southborough, MA recently sold for $1,340,000. This style home was sold by Gail DuBois - Keller Williams Realty.


61 Breakneck Hill Road, Southborough, MA 01772

Single-Family

$1,390,000
Price
$1,340,000
Sale Price

14
Rooms
5
Beds
5/1
Full/Half Baths
Are you looking for new construction and missed out on 63 Breakneck Hill Road? Are you looking for a unique craftsman style home from a prestigious high end local builder? Your search is over! 61 Breakneck Hill Road is a new construction energy efficient custom crafstman set on a 1 acre lot overlooking 90 acres of conservation land, gardens, and trails. This Frank Betz "Northfield Manor" plan features an open 3,878 sq/ft floor plan that is perfect for entertaining. Some standards are hardwoods throughout the first and second level, 9'6 ceiling height on the first floor and 8'6 ceiling height on the second floor, spray foam insulation, maintenance free composite siding, an additional 1,000 sq/ft in the basement with a full bath and study, and generous allowances. You will be able to pick your finishes, customize, and build the home of your dreams.

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10 Maple St, Southborough, MA 01745

Single-Family

$599,000
Price

7
Rooms
3
Beds
1
Baths
Meticulously maintained and thoughtfully renovated Colonial with a large private back yard and wooded views on a quiet cul de sac. Timeless craftsmanship combined with today's style and stunning updates. Beautifully renovated kitchen with detailed coffered & beadboaord ceiling, granite counters, white subway tile backsplash, stainless appliances & gas stove, breakfast island w/storage & pendant lighting. Recently renovated Bathroom (2018) w/designer tile flooring, granite vanity w/double sinks and Pottery Barn mirrors. Lovely family room with crown molding, maple floors, and dining room with built-in china cabinet. Convenient mudroom w/built-in cubbies, bead-board and overhead lighting. Veisman natural gas boiler, replacement windows (2013), roof (2011), repaved driveway (2018) and septic system (2008). Gorgeous quiet lot with mature trees, stone walls, woods behind and lovely yard w/ new paver patio and fire-pit (2020) & storage shed. Walk-up attic for potential additional space.
Open House
Saturday
April 03 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 10 Maple St, Southborough, MA 01745    Get Directions

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The Federal Housing Finance Agency (FHFA) limits how much you can borrow to buy a house. If you want to take out a mortgage that is above the limits, you have to apply for a jumbo mortgage. As of mid-2019, the limits were increased to $484,350 for most of the country. Some places – states and counties – have a higher limit of $726,525. Those areas are places that have higher home values, and include Guam, Alaska, the U.S. Virgin Islands and Hawaii, among other places. Loans under those values are conforming loans, and those over are non-conforming loans.

Credit Risk

Because jumbo loans are riskier, the applicant has to jump through more hoops to get one. The major hoop is that your credit score must be higher. Most jumbo lenders require you to have a credit score of at least 680, though some require you to have a credit score of at least 720 or higher. Jumbo loans are riskier because they are not backed by Freddie Mac or Fannie Mae, and because of the obvious — the lender is lending more money.

Additionally, your debt-to-income (DTI) must be lower than 43 percent, though some lenders will refuse to give you a jumbo loan unless your DTI is lower than 36 percent. Your debt-to-income ratio is the difference between your income and the amount you pay out in liabilities, including the mortgage.

Another common requirement of a jumbo mortgage is that you have to have cash on hand to cover a certain number of payments. Some lenders could require as much as six months of reserves.

Mortgage Rates

Often, the APR on jumbo loans is higher than it is on conforming loans because of the extra risk involved in that type of loan. However, interest rates dropped in the second quarter of 2019 for jumbo loans, so you could get this type of mortgage for as low as 3.8 percent. If you are applying for a jumbo loan, be sure you check the requirements and rates of several lenders.

Jumbo Mortgage Down Payments

Previously, a lender might have required you to come up with at least 30 percent down payment for a jumbo loan. However, with the better economy, some jumbo lenders have loosened their restrictions, including lowering the amount of a down payment to as low as 10 percent. Again, if you prefer a lower down payment, shop around. You may also be forced to have private mortgage insurance if your down payment is less than 20 percent.

Tax Breaks

The cap on the mortgage interest deduction is $750,000, so you won’t get a large tax break on a jumbo loan. Make sure you consider that, among the other requirements as set forth above, before you fall in love with a house that requires a jumbo loan.


This Single-Family in Southborough, MA recently sold for $750,000. This Victorian style home was sold by Gail DuBois - Keller Williams Realty.


51 Northboro Rd, Southborough, MA 01772

Single-Family

$750,000
Price
$750,000
Sale Price

9
Rooms
4
Beds
3
Baths
Custom built Contemporary Victorian in beautiful private 1+ Acre setting surrounded by farmland w/walking trails behind. This home has a unique design & many features including walk-out bay & arched windows, granite & stone fireplaces. 4 large Bedrooms & 3 full Baths. Master bedroom w/arched window, vaulted ceilings w/fan, 2 skylights & walk-in closet. Master Bathroom w/oversized tile shower, Jacuzzi tub & double sink. Living Room w/fireplace & Family Room w/stone fireplace, built-ins & slider to deck. Kitchen w/updated granite counters, cherry cabinets, tile floors, newer stainless dishwasher, pantry, built-in desk & breakfast area. 2nd floor landing has Office/Sitting Room overlooking picturesque front yard w/circular driveway. 2nd floor laundry room w/sink, shelf & b/i ironing board. Approx 755 sf finished in Basement w/updated LVF flooring, new Beckett/Burnham furnace, new Bryant A/C & water tank. Spacious wood deck overlooking sprawling level back yard.

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