Bernadette Calvario


Posted by Bernadette Calvario on 6/13/2018

For many individuals, the homebuying journey often begins with getting pre-approved for a mortgage. Because if a buyer has a mortgage, he or she can enter the real estate market with a budget in hand.

Ultimately, there are many signs that now may be the perfect time to apply for a mortgage, and these include:

1. You're ready to upgrade from an apartment to a home.

If you're tired of paying monthly rent for an apartment, purchasing a house offers a viable alternative. And if you get pre-approved for a mortgage, you can move one step closer to moving from an apartment to a house.

In most instances, a home offers a significant upgrade over an apartment. Many residences are available in cities and towns nationwide that offer more space than apartments. Plus, as a homeowner, you won't have to worry about dealing with a landlord.

2. You feel good about your credit score.

If you have a strong credit score, you likely are a great candidate for a mortgage. In fact, you may be better equipped than others to get a favorable interest rate on the mortgage of your choice.

Understanding your credit score is a key part of the homebuying journey. You can request a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Then, once you find out your credit score, you can determine whether you are in good shape to pursue a mortgage.

3. A buyer's market is in place.

In a buyer's market, there usually is an abundance of top-notch houses and a shortage of buyers. This means a homebuyer may be able to get a wonderful deal on a house, especially if he or she performs a comprehensive house search.

To find out whether a buyer's market is in place, you should check out the prices of recently sold houses in your area. Also, you may want to find out how long recently sold houses were listed before they sold. By reviewing this housing market data, you can differentiate a buyer's market from a seller's market and decide whether now is the right time to apply for a mortgage.

If you're interested in getting a mortgage and starting a house search, you may want to hire a real estate agent too. Because if you have a real estate agent at your side, you can receive extensive support at each stage of the property buying journey.

A real estate agent will teach you everything you need to know about pursuing a house. He or she will offer insights into the local housing market and ensure that you can conduct a successful house search. And if you ever have concerns or questions along the way, a real estate agent is ready to respond to them.

Want to launch a home search? Get pre-approved for a mortgage, and you can take the first step to acquire your ideal residence.




Tags: Buying a home   Mortgage  
Categories: Buying a Home   Mortgage  


Posted by Bernadette Calvario on 6/6/2018


11 Grover Rd, Ashland, MA 01721

Single-Family

$639,900
Price

10
Rooms
4
Beds
2/1
Full/Half Baths
Highly sought after Wildwood Estates offers a Stunning true Contemporary with amenities galore and in fabulous condition with continuous maintenance /upgrades. Incredibly sensible and exciting layout! A Superb First Floor Master Suite with full bath. A bright and open floor plan LR & DR with soaring ceilings, a custom fireplace all opened to a 2nd story loft/balcony. Many updates in 2018: Refinished hardwood floors, new carpet, interior paint, bathrooms with quartz vanities, new fixtures, garage door... Updated Kitchen with granite overlooks DR, SS appliances, FR offers second FP with separate egress to deck. Three additional spacious bedrooms on the second floor with open loft area & full updated bath. Finished lower level boasts a game room area with built-ins. Mature landscape abounds with a man made pond in this manicured estate abutting conservation land. Location Location great commuting, close to T, Major routes,shopping and great schools. Must be seen to be appreciated!
Open House
Saturday
June 09 at 2:00 PM to 4:00 PM
Stop by and tour this beautiful contemporary home in Wildwood Estates with so many enhancements! Gorgeous setting and close to everything~
More Open Houses
Cannot make the Open Houses?
Location: 11 Grover Rd, Ashland, MA 01721    Get Directions

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Categories: Open House  


Posted by Bernadette Calvario on 6/6/2018


5 Mallard Drive, Medway, MA 02053

Single-Family

$450,000
Price

10
Rooms
5
Beds
2/1
Full/Half Baths
Enjoy this private setting at the end of a cul de sac in a highly desirable coveted neighborhood .This 5 bedroom, 2.5 bath home is well maintained with new carpet, lighting, fresh interior paint and more~The 2-story foyer leads to an inviting family room with soaring ceilings, bay windows, hardwood floors,fireplace & skylights. Open floor plan to dining room & kitchen with stainless steel appliances & double oven. Sliders to a newly painted deck that overlooks an over-sized backyard. The second floor offers a generous Master suite w/full bath and it's own Juliet balcony! Two additional bedrooms, storage closets, and second full bath. The first floor has 2 additional bedrooms, large half bath, laundry room and separate family/play room w/sliders to backyard. This home is an energy saver, powered by Solar panels and energy star appliances, includes free standing LG a.c unit & 3 window units. Medway is a very desirable town with great schools, easy access to major Rts, the T & shopping.
Open House
Sunday
June 10 at 2:00 PM to 4:00 PM
Stop by and preview this wonderful family home close to cul de sac in a popular neighborhood Summerhill Estates! Pristine and move in condition~
Cannot make the Open Houses?
Location: 5 Mallard Drive, Medway, MA 02053    Get Directions

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Categories: Open House  


Posted by Bernadette Calvario on 6/6/2018


11 Grover Rd, Ashland, MA 01721

Single-Family

$639,900
Price

10
Rooms
4
Beds
2/1
Full/Half Baths
Highly sought after Wildwood Estates offers a Stunning true Contemporary with amenities galore and in fabulous condition with continuous maintenance /upgrades. Incredibly sensible and exciting layout! A Superb First Floor Master Suite with full bath. A bright and open floor plan LR & DR with soaring ceilings, a custom fireplace all opened to a 2nd story loft/balcony. Many updates in 2018: Refinished hardwood floors, new carpet, interior paint, bathrooms with quartz vanities, new fixtures, garage door... Updated Kitchen with granite overlooks DR, SS appliances, FR offers second FP with separate egress to deck. Three additional spacious bedrooms on the second floor with open loft area & full updated bath. Finished lower level boasts a game room area with built-ins. Mature landscape abounds with a man made pond in this manicured estate abutting conservation land. Location Location great commuting, close to T, Major routes,shopping and great schools. Must be seen to be appreciated!
Open House
Saturday
June 09 at 2:00 PM to 4:00 PM
Stop by and tour this beautiful contemporary home in Wildwood Estates with so many enhancements! Gorgeous setting and close to everything~
Cannot make the Open Houses?
Location: 11 Grover Rd, Ashland, MA 01721    Get Directions

Similar Properties





Categories: Open House  


Posted by Bernadette Calvario on 6/6/2018

Before you meet with lenders to refinance your home, thereís certain steps that you should take to make sure that you are ready to refinance and that the entire process will go smoothly. Whether you want to do a renovation or just get a lower interest rate, refinancing can be useful. These tips will be very helpful to you in making an informed decision.  


The Numbers Wonít Lie


Just like when you first purchase a home, youíll need to take a look at your own financial situation to see if refinancing actually makes sense for you. If youíre less than 30 years from retirement, you may want to rethink getting another mortgage that starts from scratch. You can always consider a 15-year mortgage, knowing that your monthly payments will be higher, giving you some breathing room from another 30 years of mortgage payments.  


Know Your Credit Score


You should be checking in on your credit report periodically in order to catch any red flags early. Youíll also know and understand any weak spots in your credit. Youíll have time to eliminate any errors and give your score time to readjust. 

You should also get an idea of where you stand with your credit score. Credit card companies often provide this. Thereís also a few free services that exist to help you obtain your credit score. Knowing this information can be very helpful when youíre looking to refinance a home.


Find Out Your Homeís Value


Lenders want to know that you donít owe more than 80% of what your home is worth. An appraisal will be a part of the refinance process, but before you even start, it will be helpful to know how much you owe versus how much your home is worth. If you owe more than your home is worth, you may want to reconsider doing the kitchen over or going for that lower interest rate. Moving might be a better option financially.  


Get Your Finances Straight


A lender likes to know that youíre in good financial standing before they grant you a loan. Work on paying down your credit card balances and donít max out any cards that you do have. All this can hurt your credit and your chances of obtaining a loan. You can even talk to some lenders beforehand in order to see if refinancing is a good idea. 


Do Your Homework


All lenders are not created equal. You can start with your current lender when it comes to refinancing. Since they want to keep your business, your lender will hopefully have some good deals for you. Youíll need to take some time to compare rates from different companies and find the lowest rates available. If you do your homework, youíll be able to get the best deals and not regret your refinancing decision.