The Ultimate Guide to Understanding Your Credit Score

the-ultimate-guide

Credit scores play a large role anytime you buy something over time, like a home or automobile.  Not only does your credit score play a role in qualifying for a home mortgage it is also effects your interest rate.  The lower your credit score the higher your interest rate and vice versa.   I will cover some credit score basics in this article which will help in you in understanding your credit score. I will discuss your score as it relates to getting a home mortgage.  … Continue reading...

Getting Your First Mortgage When Buying Your First Home

timeline of the mortgage process- getting your first mortgage

  Home ownership is exciting.  You have decided it is the right time to buy your first home.  Now is the time to go about getting your first mortgage.  The first thing you should do before even looking at houses is take a look at the money involved.  It is time to sit down with a mortgage officer and review your finances and discuss your options. The mortgage process is one of the more complicated and frustrating pieces when buying a home.  It is important to … Continue reading...

The Power of the Pre-Approval Letter

The Power of a Mortgage Pre-approval letter

Get Your Pre-approval Letter First! You have been looking at homes for months, now you have found the perfect home.  It is time to put in an offer on the home you like, your agent tells you that you need to submit a mortgage pre-approval letter with your offer for it to be considered. You put the kids to bed and you sit at the computer and you get a pre-qualification letter that you print off the compute,  or dig out an old pre-qual letter. Yes, it may satisfy the home seller, but you … Continue reading...

Where Is The Property Line of My Home?

a certified land survey is the only way to find where the property lines are on a home.

A question that is often asked from home buyers are "where is the property line" of a particular home.    For many buyers and sellers it is important to find the property lines or boundaries of a property.  Of course this is a very valid question. Nothing beats owning your own parcel of land.  And, nothing is more important than those invisible lines separating you from your neighbor.  There are legal and financial concerns around ones property lines.  On a … Continue reading...

Tewksbury Auto Repair- A Great Customer Experience.

Tewksbury Auto Repair

I generally don't have automotive needs much beyond basic service.  Recently I banged up the underside of my car and had to have one of the underneath shields replaced on my car.  I thought I would share my 5 star experience as I thought it was exceptional. I did not want to go thru the dealership because of the wait time and usual high cost. My Experience at Tewksbury Auto Repair I was near my house in Southern New Hampshire and did not know where to go.  One of my … Continue reading...

Overpricing Your Home- and The Disastrous Effects It Can Have

overpricing your home

When selling your home pricing it properly is 80% of marketing the home.  Overpricing your home has consequences. No amount of advertising, open houses or money will sell an overpriced home. Take a Hyundai Elantra and park it next to a Mercedes SL500.  On thesurface they both have a steering wheel, 4 tires a windshield and they are roughly the same size, yet there are two very different price tags.  You will never get a car buyer to pay the $110,000 price tag the Mercedes has … Continue reading...

We Will Buy Your House for Cash, Close in Two Weeks- Too good to be true?

We buy houses for cash

You see the bandit signs on the side of the road or ads on craigslist, "we will buy your house for cash, close in two weeks" or 'we buy ugly houses",  with the promise of a quick, hassle free home sale. There isn't a seller on the face of the earth who wouldn't want someone to pay cash and close in two weeks on their house and avoid taking the time to properly list and prepare their home for sale.  Wouldn't you?  Lets face it selling your home can be work and be quite … Continue reading...

Understanding How Today’s Home Buyers Find Homes

How Do Home Buyers find Homes for Sale

If you bought your house over 15 years ago, or even long,er and your about to get your home on the market, it is important to understand how home buyers find homes. Between 2000-2008 the internet became a HUGE game changer for the real agents and home buyers.  Long gone are the huge real estate sections in the newspaper and the real estate magazines, the internet has all but replaced the need for such advertising venues for your home. I will give a rough history of how home buyers find … Continue reading...

Sell My Home As-is. The Home Buyer’s Perception

Sell my house as is

I often run into home sellers who state up front they want to sell my house as-is.  There is a time and place to sell your home as-is, but for most home sellers I don't believe that is their actual intention.  Keep in mind there is a legal definition to as-is and a buyer’s perception of as-is and you don't want to market your home as-is unless you need to. I like this concise definition of As-Is, excerpted from The Enforcibility of an As-Is Clause from Robert E Williams. Cited by … Continue reading...

Groveland MA Home Seller Testimonial

Groveland MA Home Seller Testimonial

    Testimonial "I have bought and sold a few houses. Kevin helped me learn more about the market and what's important than any others I've worked with previously. Kevin is very professional and easy to work with. He kept me informed throughout the process, focusing both on what was going on at the moment, while looking ahead at potential future steps or ideas. I'm thankful I hired Kevin and wouldn't hesitate to use him again."  Groveland MA Home … Continue reading...