Getting a Massachusetts Home Mortgage

Getting a mortgage in Massachusetts or anywhere else for that matter is a lot more difficult today than it used to be. With the financial turmoil and Real Estate melt down that has taken place over the last five years mortgage lenders are far more cautious.

You can expect that when you do apply for a new mortgage or are even refinancing a mortgage you will be asked to jump through hoops. The amount of paperwork and background checks you will go through is endless. It can be a very difficult process but unfortunately is a necessary evil to make sure the right borrowers are selected to get loans.

As a 1st time buyer one of the things you may want to investigate before you actually apply for a loan is to check on your credit report. Often times you may find something that is not correct and may need to fix a credit report error. This becomes incredibly important because if there are credit report errors they can have a negative impact on your credit score. One of the factors in determining what interest rate you will get for you mortgage is the FICO credit score.

FICO scores can range from a low of 300 to a high of 850. Anything over 800 is considered exceptional and would put you into a select group of individuals with outstanding credit. According to the FICO scoring system there are five factors that determine a borrowers score. The factors include a borrowers payment history which carries the most weight, a borrowers credit utilization, the length of credit history, types of credit used and lastly a recent search for credit or amount of credit obtained recently.

If your credit report history check out with no errors you will want to find a reputable lender to work with. Of course looking around for an attractive program should be at the top of your list of priorities. A word of caution though don't be fooled into thinking the lender who has the best rate is necessarily the best option.

What you need to pay close attention to in addition to the interest rate is the fees, points and closing costs that you are going to be charged! Getting the best mortgage loan often times depends on really analyzing all the charges and costs of obtaining the mortgage.

If you need a recommendation on a terrific mortgage broker who has competitive rates and exceptional service don't hesitate to get in touch as I would be happy to provide his contact information.

About the Author: The above Real Estate information on Getting a Massachusetts Home Mortgage was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of Metrowest Massachusetts for the last 24+ Years.

Bill services the following towns in Metrowest MA: Hopkinton, Milford, Southboro, Westboro, Ashland, Holliston, Framingham, Mendon, Upton, Hopedale, Medway, Franklin, Grafton, Northbridge, Northboro, Shrewsbury, Bellingham and Uxbridge MA.

Shrewsbury MA Home For Sale 42 Saybrook Road

Are you looking for a Shrewsbury Massachusetts home for sale that is located in a great commuting location and has been well maintained by the owner? Look no further than this adorable ranch located at 42 Saybrook Road in Shrewsbury. Located just off of Rte 9 this home offer the perfect location for those that need convenient highway access.

There are three bedrooms and two full baths.With the finished lower level the home is 1900 plus square feet of living area. This Shrewsbury home is listed at $289,900. For much greater detail on this property visit 42 Saybrook Road Shrewsbury Massachusetts. You can also see a slide show video tour of this home below.



To sign up to have MLS access to view all home and condo's on the market in Ashland and surrounding towns see Shrewsbury MA Homes For Sale.

Helpful home sale articles:

Staging a Massachusetts home
Handling Real Estate offers

About the Author: The above Real Estate information on 42 Saybrook Road Shrewsbury Massachusetts was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of Metrowest Massachusetts for the last 24+ Years.

Bill services the following towns in Metrowest MA: Hopkinton, Milford, Southboro, Westboro, Ashland, Holliston, Framingham, Mendon, Upton, Hopedale, Medway, Franklin, Grafton, Northbridge, Northboro, Shrewsbury, Bellingham and Uxbridge MA.

Village of Americas 121 America Blvd Ashland Massachusetts

Are you looking for a great Ashland Massachusetts townhome? Look no further than this beautiful condo at The Village of Americas! This condominium located at 121 America Blvd is listed for $329,900.

As you step inside you will be immediately greeted by an upgraded kitchen with granite counters and stainless steel appliances. The kitchen flows right into the fireplace family room with bay window. The unit is positioned to get great sunlight.

The 2nd floor has two outstanding bedrooms including a master that is fit for a king! You will find a 2nd fireplace along with a lavish bath and vaulted ceilings! To continue reading see 121 America Blvd Ashland Massachusetts.  You can also see a slide show video tour below as well.




To sign up to have MLS access to view all home and condo's on the market in Ashland and surrounding towns see Ashland MA Condos For Sale.

About the Author: The above Real Estate information on 121 America Blvd Ashland Massachusetts was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of Metrowest Massachusetts for the last 24+ Years.

Bill services the following towns in Metrowest MA: Hopkinton, Milford, Southboro, Westboro, Ashland, Holliston, Framingham, Mendon, Upton, Hopedale, Medway, Franklin, Grafton, Northbridge,Northboro, Shrewsbury, Bellingham and Uxbridge MA.

Finding a Top Metrowest Massachusetts Realtor

Original Source: Massachusetts Real Estate Blog

Carefully interviewing a Realtor should be one of the most important things any home seller does when considering selling their home yet many do not.

Having been in this business for almost twenty five years I have found this to be pretty fascinating. There are lots of folks that will make contact with a Realtor from any number of sources including seeing a for sale sign in their neighborhood, visiting an open house, getting a post card in the mail or maybe even from a recommendation from a friend or relative.

One of the problems I have found is that many consumers think that all Realtors do the same things to sell homes. This could not be further from the truth!

In most businesses 80% of the work is done by 20% of the people. The old 80/20 rule. In Real Estate it is a mind boggling 94% to 6% ratio! That is just an amazing statistic. Given these figures is there any wonder why there is so much dissatisfaction from consumers? It is really easy to get stuck with a Realtor who does not do much business or have a great work ethic.

Unfortunately getting into the Real Estate industry is very easy. Take and pass a Real Estate test and you have made it. It shouldn’t be that easy but that’s the way it works. So how do you avoid getting stuck with a poor Real Estate agent? Ask great Real Estate interview questions! Trust me when I tell you, these questions will make an unskilled Realtor very uncomfortable.

There is no better recommendation than a track record of success. As a home seller you will be paying a Realtor quite a bit of money to sell your home. Why not work with a top producing agent? There is a reason most agents continue to be successful year after year.

In most circumstances it does not cost you anymore to work with a terrific agent than someone who does very little Real Estate business. To continue reading and see all the questions visit Real Estate interview questions for Realtors.

About the Author: The above Real Estate information on finding a top Metrowest Massachusetts Realtor was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of Metrowest Massachusetts for the last 24+ Years.

Bill services the following towns in Metrowest MA: Hopkinton, Milford, Southboro, Westboro, Ashland, Holliston, Framingham, Mendon, Upton, Hopedale, Medway, Franklin, Grafton, Northbridge, Northboro, Shrewsbury, Bellingham and Uxbridge MA.