Sherry Bourque - RE/MAX Main Street Associates



Posted by Sherry Bourque on 10/20/2019

It is a fact that people who plan carefully to own a home will run into fewer financial issues later. So, if you want to buy a property now or sometime in the future, your first step should be to check your credit. It is a good idea to review your credit reports and scores from time to time, even if you are not buying the house or applying for a mortgage immediately. 

Your Credit Scores

Nowadays, most lenders use a FICO score when determining whether to offer you a loan or not, as well as in setting the rate and terms. Different lenders may use different credit scoring formulas, so your score can vary based on what type of scoring model the mortgage lender uses whether Experian, Equifax, or TransUnion FICO score. 

The scoring system is dynamic so that your score changes as the information in your credit report changes.

Ways of Getting Your Credit Score

There are many ways of accessing a credit score, and some of them are free. However, most organizations that provide free credit scores do so using different scoring methods than what the lenders' actually use. 

The four ways to obtain a score: 

1. Evaluate your credit card or another account statement - Most big credit card companies and some financial institutions, as well as credit unions, have started the service of providing credit scores to all their customers every month for free. The score is often written on your monthly statement or can be found by logging in to your online account. 

2. Consult with a non-profit adviser - Non-profit credit advisers and HUD-approved housing counselors can provide you with a free credit report in most cases and score and even assist you in reviewing them. A counselor may help you to buy a home, but we recommend you reach out to your reliable real estate agent who is more experienced and understands the job well than a mere counselor.

3. Buy a score - Credit reporting companies will sell your scores to you directly. You can also buy a FICO credit score at myfico.com. These credit scores are often different from your free ones and can be more accurate to what your lender sees. Don't get sucked into paying for extra features with your credit report such as identity theft monitoring, credit protection, or other services offered at the time of purchase.

4. Credit score services - Several websites offer a free credit score service. Some of these websites may be funded through advertising while others may require that you register for a credit monitoring service where you pay a monthly subscription fee to get your free score. 

Be aware that some of these services are usually advertised as free trial offers, and will start charging you a monthly fee if you don't cancel within the first week or month. Before you register for a service, ensure you know how much it really costs and how long the free period lasts. 

Your Credit Score Matters

Everybody is entitled to shop around for the best mortgage for their financial situation no matter their credit score. So, checking your credit history, fixing any mistakes, and knowing your credit scores will make you most suitable for getting a mortgage to buy a property for yourself.





Posted by Sherry Bourque on 10/18/2019


29 Houston Ave, Methuen, MA 01844

Single-Family

$369,900
Price

7
Rooms
4
Beds
2
Baths
Charming Methuen Cape in move in condition. Enter this home through the bright mudroom and put your groceries away in the cabinet packed kitchen with granite counters. Enjoy the holidays in you spacious dining room with hardwood floors. Relax and enjoy your evenings in your fireplaced living room. Both bathrooms have been updated. There is still time before winter to sit out back on the patio and take in the fall colors. Great commuter location for all major highways including Rte's 93, 495 & 213. Hurry this wont last!
Open House
No scheduled Open Houses

Similar Properties





Categories: Price Change  


Posted by Sherry Bourque on 10/16/2019


16 Country Spring Loop, Haverhill, MA 01832

Condo

$319,900
Price

5
Rooms
3
Beds
1/1
Full/Half Baths
Welcome to Country Hollow Village! Renovated and updated all you'll have to do is unpack!!!! This magnificent end unit features 3 generous levels of living, 5 rooms 3 bedrooms,1.5 baths, 1 car garage, over 1500 sq. ft. situated in a private setting surrounding by trees and nature. This newly renovated townhouse features a gorgeous white kitchen /dining area with granite counters, new appliances, new flooring , large living room with great lighting ,new first floor bath, plenty of closet space, updated second floor bath, freshly painted. The second floor features two spacious bedrooms, with cathedral ceilings custom closets, Master bedroom has access to full bath and walk in closet . The third floor offers a spacious bedroom, game room or office space Low condo fee,pets allowed, country setting yet close to major highway, and public transportation, 7 minute drive to train, close to NH tax free shopping too!Newer furnace and AC is an added bonus to this already fabulous home
Open House
Sunday
October 20 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 16 Country Spring Loop, Haverhill, MA 01832    Get Directions

Similar Properties





Tags: Haverhill   Real Estate   Open House   01832   Condo  
Categories: Open House  


Posted by Sherry Bourque on 10/16/2019


16 Country Spring Loop, Haverhill, MA 01832

Condo

$319,900
Price

5
Rooms
3
Beds
1/1
Full/Half Baths
Welcome to Country Hollow Village! Renovated and updated all you have to do is unpack!!!! This magnificent end unit features 3 generous levels of living, 5 rooms 3 bedrooms, 1.5 baths, 1 car garage, over 1500 sq. ft. situated in a private setting surrounding by trees and nature. This newly renovated townhouse features a gorgeous white kitchen /dining area with granite counters, SS appliances, new flooring , large living room with great lighting ,new first floor bath, plenty of closet space, updated second floor bath, freshly painted The second floor features two spacious bedrooms, with cathedral ceilings custom closets, Master bedroom has access to full bath and walk in closet . The third floor offers a spacious bedroom, game room or office space Low condo fee,pets allowed, country setting yet close to major highway, and public transportation, and 7 minute drive to train, close to NH tax free shopping too! Newer furnace and AC is an added bonus to this already fabulous home.
Open House
No scheduled Open Houses

Similar Properties





Tags: Haverhill   Real Estate   01832   Condo  
Categories: New Homes  


Posted by Sherry Bourque on 10/16/2019


12 Hubbard Hill Rd, Derry, NH 03038

Single-Family

$366,900
Price

10
Rooms
4
Beds
2/1
Full/Half Baths
See our new photos! This is the house for you! Over 3000 sf of living space in Desirable Derry! Large 10 room 4 bedroom colonial on 1.12 acres! On the first level is the kitchen, dining room, living room and 2 extra rooms that can be used as office, den or a first-floor bedroom. Second floor master suite includes: large bedroom, 3/4 bath with new sink and toliet, walk in closet, and fire placed sitting room. 3 additional bedrooms and a full bath also with new sink and toilet on second floor. Large family room with cathedral ceiling and balcony above the 2 car garage. Large deck out back is perfect for entertaining! All this plus finished basement space for even more living flexibility. The property abuts conservation land, is on a cul de-sac and is within close proximity Rockingham Rec Trails. Newer roof (3yrs old), new flooring in kitchen along with new fridge and dishwasher, new flooring in living room, new walkway and new front steps. Freshly painted throughout!
Open House
Saturday
October 19 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 12 Hubbard Hill Rd, Derry, NH 03038    Get Directions

Similar Properties





Categories: Open House  




Tags