Anthony Joseph Real Estate LLC



Posted by Anthony Joseph Real Estate LLC on 5/23/2018

Applying for your first home loan can seem scary or daunting to many first-time homeowners. However, this process, if done correctly, can save you thousands or tens of thousands of dollars on interest over the lifetime of your loan.

Before you apply for a loan, there are several documents you’ll want to gather and steps you’ll want to take to ensure the application process goes smoothly. In today’s post, we’ll talk about one specific aspect of the mortgage application process--credit scores.

Credit scores may seem confusing. However, since they can so drastically affect your home loan interest rate, it’s important to understand their implications.

Credit checks and mortgages

One of the things that all lenders will want to see before approving you for a home loan is your credit score. If you’re thinking of applying for a mortgage, odds are that you’ve been working to build credit by paying off loans and credit cards on time each month.

The three main credit bureaus in the U.S. are all required to give you a yearly free credit report. This is a detailed document that outlines your lines of credit, payment dates, and amounts. It’s a good idea to get a detailed credit report and check for errors before applying for a loan.

Unlike a hard “credit inquiry,” a free report does not affect your credit score, so you don’t have to worry about dropping a few points by requesting one of these reports.

When applying for a mortgage, however, lenders will perform a hard credit inquiry to determine your borrowing eligibility. This is a part of the pre-approval process and is typically unavoidable.

This is important to note if you are planning on applying to multiple lenders. Be aware that each “prequalification” and “preapproval” may come with a temporary drop in your credit score.

Since credit inquiries make up a total of about 10% of your credit score, these inquiries can make a difference in the short term. For this reason, it’s a good idea to avoid opening new cards or taking out other loans (such as an auto loan or student loan) within six months of your mortgage application.

If you aren’t sure of your current score, you can always check for free from websites like Credit Karma and Mint.

One last thing to note about credit scores and their relationship to mortgages is that most lenders use a specific type of score known as a FICO score. In fact, every adult in the United States with a credit score will have three FICO scores, one from each major credit bureau.

So, when checking up on your credit score, it’s good to remember that each score will be slightly different and your lender’s score may not reflect what you see online.




Categories: Uncategorized  


Posted by Anthony Joseph Real Estate LLC on 5/18/2018

This Condo in Westborough, MA recently sold for $162,000. This Low-Rise style home was sold by - Anthony Joseph Real Estate LLC.


14-C Mayberry Drive, Westborough, MA 01581

Condo

$160,000
Price
$162,000
Sale Price

4
Rooms
2
Beds
1
Baths
Attention Investors and future homeowners! Lovely, top floor, 2 bedroom unit in a great location available for sale that is Tenant occupied until November 1, 2018 at $1,350 per month. Conveniently located to major routes and downtown Westborough! The sellers have requested that all offers be submitted by 5pm Monday, March 26th, 2018






Tags: Westborough   Real Estate   Condo   01581  
Categories: Sold Homes  


Posted by Anthony Joseph Real Estate LLC on 5/16/2018


10 Crestview Drive, Westborough, MA 01581

Single-Family

$448,000
Price

7
Rooms
3
Beds
2
Baths
This lovely classic New England Cape, with an updated modern/traditional flair, and many recent improvements, offers 3 bedrooms, 2 full baths and 1 car attached garage. Life is simplified with a sunlit kitchen with custom white cabinetry, quartz counters, bar counter center Island, pendant lighting, beautiful backsplash and stainless steel appliances. Fujitsu Split air conditioning systems. Beautiful hardwood flooring throughout most of the home. Second floor offers a spacious master bedroom with recessed lighting, a newer full bath and a lovely bedroom. Third bedroom on first level. This home offers much seasonal enjoyment. Relax on the three season porch, sit on the deck, or take a swim in the inground pool. This turnkey home is conveniently located, close to major routes 90, 9, 30, 495, and 135.
Open House
Sunday
May 20 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 10 Crestview Drive, Westborough, MA 01581    Get Directions

Similar Properties





Categories: Price Change  


Posted by Anthony Joseph Real Estate LLC on 5/16/2018


10 Crestview Drive, Westborough, MA 01581

Single-Family

$459,900
Price

7
Rooms
3
Beds
2
Baths
This lovely classic New England Cape, with an updated modern/traditional flair, and many recent improvements, offers 3 bedrooms, 2 full baths and 1 car attached garage. Life is simplified with a sunlit kitchen with custom white cabinetry, quartz counters, bar counter center Island, pendant lighting, beautiful backsplash and stainless steel appliances. Fujitsu Split air conditioning systems. Beautiful hardwood flooring throughout most of the home. Second floor offers a spacious master bedroom with recessed lighting, a newer full bath and a lovely bedroom. Third bedroom on first level. This home offers much seasonal enjoyment. Relax on the three season porch, sit on the deck, or take a swim in the inground pool. This turnkey home is conveniently located, close to major routes 90, 9, 30, 495, and 135.
Open House
Sunday
May 20 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 10 Crestview Drive, Westborough, MA 01581    Get Directions

Similar Properties





Categories: Open House  


Posted by Anthony Joseph Real Estate LLC on 5/16/2018

Life is complicated; however, your moving day experience does not have to be this way. In fact, there are many ways to avoid a complicated moving day experience, and these include:

1. Plan Ahead As Much As Possible

When it comes to moving day, it pays to be prepared. Thus, if you plan ahead as much as possible, you can identify any potential moving day pitfalls and address them before they escalate.

Pack as many items as you can before moving day – you'll be glad you did. If you pack in the weeks and days leading up to your move, you can avoid the stress of last-minute packing.

Also, box and label all of your personal belongings. This will make it simple to safely pack all of your personal belongings into a moving truck and find these items as soon as you reach your final destination.

2. Get Plenty of Rest Before Moving Day Arrives

Moving day likely will be a long, arduous experience, regardless of how much you plan for it. Conversely, if you get a good night's rest before moving day, you can kick off your move feeling rejuvenated and refreshed.

In addition, you should start your moving day with a healthy breakfast. This will give you something to look forward to on moving day, and the breakfast itself will provide you with plenty of energy to help you seize the day.

Don't forget to plan regular breaks as you complete your move. If you do not take a break every once and a while, you risk wearing down quickly on moving day.

3. Hire a Moving Company

There is no need to leave anything to chance, especially if you're planning a big move. Luckily, moving companies are available in cities and towns nationwide, and these businesses employ highly trained moving professionals to assist you in any way possible.

If you intend to hire a moving company, don't wait. Remember, the longer that you wait to employ a moving company, the less likely it becomes that this business will be available when the big day arrives.

Furthermore, you should check out a variety of moving companies in your area. This will enable you to examine various moving companies' strengths and weaknesses and determine which business can fulfill your moving needs.

If you need extra help determining whether a moving company is right for you, it never hurts to reach out to the business directly. In most instances, a moving company can provide client referrals that can help you make an informed decision.

Lastly, for those who are uncertain about how to prepare for a move, it may be helpful to collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with provide insights into what it takes to complete a successful relocation.

Want to enjoy an uncomplicated moving day experience? Use the aforementioned tips, and you can reap the benefits of a seamless transition from one address to another.




Tags: moving tips   moving   moving day  
Categories: Uncategorized