Anthony Joseph Real Estate LLC



Posted by Anthony Joseph Real Estate LLC on 8/17/2017

This Condo in Grafton, MA recently sold for $295,000. This Townhouse style home was sold by - Anthony Joseph Real Estate LLC.


92 Lordvale Blvd, Grafton, MA 01536

North Grafton

Condo

$295,000
Price
$295,000
Sale Price

7
Rooms
2
Beds
2/1
Full/Half Baths
This lovely 2 Bedroom, 2.5 Bath, 1 car garage, elegant town home elicits contemporary classic New England. This premiere open concept home is located in highly sought after Forest Hills. Built for entertaining and very spacious throughout, it offers generous closet space. The custom cabinet oak kitchen is appointed with tile flooring, bar counter, stainless steel appliances and recessed lighting. Expansive sunlit living room is enhanced with recessed lighting, gas fireplace, and slider leading to lovely deck area. Large dining room off kitchen. Warm golden hardwoods throughout most of the first level. Private sumptuous Master Suite with luxurious master bath with soaking tub, separate shower and double vanity. Commuter location for Mass Pike, Rt. 122, Rt. 20 and Commuter Rail!

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Tags: Real Estate   Condo   Grafton   01536  
Categories: Sold Homes  


Posted by Anthony Joseph Real Estate LLC on 8/16/2017

Your credit score is a 3 digit number that can have a huge impact on many things that you hope to accomplish in your life. One of the biggest reasons that you need a good credit score is for buying a home. As many people rely on credit cards to fund their expenses, they consequently end up in debt. This doesnít have a favorable impact on credit scores. Yet, itís so important to maintain good credit.  


Why The Score Is Important


A credit score is one of the most crucial factors in determining if you can qualify for a mortgage. It is an overall gauge for lenders to understand how financially responsible you are. The higher your credit score, the less risk you carry in the eyes of lenders. 


What Affects A Credit Score?


Your credit score is calculated based on information that is found on your credit report. There are five different things that affect your credit score, each with a slightly different impact:


  • Payment history
  • Debt-to-credit utilization
  • Length of credit history
  • Credit mix
  • New credit


Whatís A Good Score?


Absolutely flawless credit is 850. Donít worry if youíre not in that category. Only about 1/2 of one percent of consumers actually have a score this high. Once your score reaches 740 and above, youíre able to qualify for the best in mortgage rates. Even if your score is in the low 700ís, you still should be able to qualify for a good interest rate. For a conventional loan, many lenders look for a credit score of 620 and above. Being in the high 600s will help you to avoid the need for additional paperwork. Youíll also get a decent interest rate with this score. 


What If You Donít Have Credit History?


Ideally, you would have opened some type of a credit card by the time you reached the age of 20. This would help to establish credit. If you donít have any type of credit history, thereís still a few ways that you can qualify for a mortgage. In these cases, lenders will often use alternative sources in order to determine the reliability of a party theyíre lending to. Your car payment history doesnít show up on your credit report, but a good track record helps lenders to see that youíre dependable and a responsible credit user. 


What About Bad Credit?


From missed payments to errors on your credit report, there could always be some problems with a credit score. The good news is that bad credit can be fixed. There are even loan programs designed to help people with less than perfect credit scores. Generally FHA (Federal Housing Administration) loans and VA loans allow for low down payments and have lenient credit score requirement. 


Fixing Your Credit Score Is Fixing Your Habits


In order to repair your credit score, youíre going to need to fix the bad financial habits that got you into the situation in the first place. This means making on-time payments, spending less, and avoiding opening up any new accounts. Pay down your existing debt and try to make a fresh start form there. Also, be sure that you obtain a free copy of your credit report each year to keep on top of any errors that might be present on the report.





Posted by Anthony Joseph Real Estate LLC on 8/10/2017

This Single-Family in Grafton, MA recently sold for $526,000. This Colonial style home was sold by - Anthony Joseph Real Estate LLC.


21 Brookmeadow Ln, Grafton, MA 01560

South Grafton

Single-Family

$529,900
Price
$526,000
Sale Price

8
Rooms
4
Beds
2/1
Full/Half Baths
ATTENTION BUYERS..THIS HOME IS PRICED TO SELL! Why wait for a new construction when you can get a 3 year young Brenton model resale that includes extras like.. a sun room,larger bathrooms, a walk out basement, additional landscaping, a fenced in yard &THOUSANDS of DOLLARS in UPGRADES!! This pristine "energy star" home is located in the desirable neighborhood of Brookmeadow Village! Your upgraded kitchen features stainless steel appliances, glass mosaic tile backsplash, custom shaped island & is capped with granite counters.Gleaming hardwood floors and 9ft ceilings add to the open concept floor plan. The master suite was enlarged to include an expanded walk in closet and an unfinished storage area for future expansion.The lavish master bath has dual sinks w/ granite counters & a large soaking tub with custom tile work.3 generous size bedrooms and another full bath complete the upstairs.Your lower level is partially finished for a future family room & is rough plumbed for a future bath!

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Categories: Sold Homes  


Posted by Anthony Joseph Real Estate LLC on 8/10/2017

This Single-Family in Shrewsbury, MA recently sold for $650,000. This Colonial style home was sold by - Anthony Joseph Real Estate LLC.


39 Lamplighter Drive, Shrewsbury, MA 01545

Single-Family

$620,000
Price
$650,000
Sale Price

11
Rooms
3
Beds
3/1
Full/Half Baths
This elegant 3 bedroom 3.5 bath New England colonial home with a beautiful front elevation eludes a country club atmosphere setting. Enter through the two story foyer with palladium window. The family room has partial vaulted ceiling, recessed lighting, hardwoods and a gorgeous stone fireplace. Formal Living and Dining rooms appointed with crown moldings, chair rails, and hardwoods. Built in wet bar with beautiful cabinets, wine refrigerator and wine rack. Quality custom crafted cherry kitchen enhanced with granite counters, state of the art appliances, and center Island with bar counter. Dinette area off kitchen with lovely window seat and built in cabinets. Expansive master suite adorned with fabulous custom shelved walk in closet. Master bath with sleek glass shower and modern cabinetry. Superbly finished spacious walk out lower level great for entertaining. Lovely back yard oasis with an in ground pool! Private showings for qualified buyers only.

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Categories: Sold Homes  


Posted by Anthony Joseph Real Estate LLC on 8/9/2017

Did you know that you could drastically improve your credit score in just a year? Or that there are things that you can actively be doing to keep up your good credit score and make it to excellent? Improving your credit score involves improving many pieces of what makes up a credit score. The tips here are twofold. If your score is low and you are looking to greatly improve it, then you must first figure out why. Review the tips below to see if any listed can help you deal with your credit pitfall(s). If you have an average to good score and just want to improve it as much as possible then each of the steps below can give you insight into how to do so. Balances: The amount of revolving credit you have compared to the credit that you are using is a large factor in your credit score. Itís best to keep your balances from all of your credit cards under 30% of your revolving credit. Even if you pay off your credit cards every month, the amount of credit you are utilizing is recorded. In short, keep balances low, but also keep paying them off each month so you do not end up with a balance than canít be immediately paid off. Credit Inquiries: Hard credit inquiries show up on your report for 2 years, but only affecting your score for around a year. Hard inquiries show that you are looking to use additional credit and too many hard inquiries in a short amount of time can negatively affect your credit score. One or two within a yearís time will not significantly affect your score but as that number gets higher it will. One way around this is to make those couple of inquiries within a 30-day period. FICO will count those inquiries as one since oftentimes multiple inquiries in a short period of time results in one loanó meaning you are not in search of multiple lines of credit/loans. But itís best to be cognizant of this and strategic in how you view your credit report or apply for loans and credit cards. Payment History/On-Time Payments: If you have struggled with paying your bills on time and have seen a suffering credit score then this then would be a main reason behind your low score. And itís time to take action and change that. This is one of the main factors in your credit score and therefore significantly impacting your score, either negatively or positively. Itís important to do everything in your power to pay all bills on time. Even being just a couple days late on payments will have affect. Length of Credit History: Length of credit is not necessary something that you can completely control. But it does have an affect on your credit score. As the length of your credit increases, and given that you are responsible with your credit, your score will improve. The most important piece to remember here is to be responsible with your credit. So what are you waiting for? If you haven't already, sign up for a free credit score site or find out if one of your credit card companies offers it. Frequently checking and seeing your score rise will provide you with the gratification you need to keep on track.