Joe Kulle and Katie Riley - Heritage Homes Real Estate



Posted by Joe Kulle and Katie Riley on 9/15/2019

Believe it or not, getting pre-approved for a mortgage can be quick and simple, even for a first-time homebuyer. In fact, here are three tips to help a first-time homebuyer streamline the process of receiving pre-approval for a mortgage:

1. Meet with Several Lenders

Many mortgage lenders are available in cities and towns nationwide. Meanwhile, these mortgage experts are happy to teach first-time homebuyers about assorted mortgage options and help them get pre-approved for a mortgage.

Set up face-to-face meetings with various lenders in your area. That way, a first-time homebuyer can gain unparalleled insights into a wide range of mortgage options.

In addition, don't hesitate to ask questions during meetings with banks and credit unions. Mortgage lenders possess comprehensive mortgage expertise, and as such, a first-time homebuyer can rely on these mortgage professionals to receive the support that he or she needs to make an informed decision.

2. Understand Your Credit Score

Do you know your credit score? Ultimately, a first-time homebuyer's credit score may dictate his or her ability to obtain the ideal mortgage.

An individual can request a free copy of his or her credit report from each of the three major credit reporting agencies (Equifax, Experian and TransUnion) once a year. This report may prove to be exceedingly valuable, as it can help a homebuyer identify opportunities to improve his or her credit score before a mortgage application is submitted.

Also, if you identify errors in your credit report, it is paramount to contact the agency that provided the report immediately. This will allow you to correct any potential errors quickly and ensure that they won't affect your ability to get the best possible mortgage.

3. Consider Your Homebuying Budget

A first-time homebuyer may have lofty expectations prior to entering the real estate market. However, this individual should consider his or her finances before submitting a mortgage application.

With a budget in hand, a homebuyer can establish realistic expectations as he or she tries to get pre-approved for a mortgage. Plus, this homebuyer may be better equipped than others to obtain pre-approval for a mortgage and accelerate his or her search for the perfect residence.

Lastly, it may be worthwhile for a first-time homebuyer to meet with a real estate agent to learn more about assorted mortgage options.

A real estate agent understands the challenges associated with purchasing a house for the first time. As a result, this housing market professional can teach a homebuyer about all aspects of the property buying journey and help this buyer plan accordingly.

Perhaps best of all, a real estate agent can set up home showings, keep a homebuyer up to date about new residences as they become available and negotiate with a home seller on a buyer's behalf. This housing market professional will even provide honest, unbiased homebuying recommendations to make it easy for a property buyer to acquire a top-notch residence at a budget-friendly price.

Move one step closer to purchasing your dream house – use the aforementioned tips, and a first-time homebuyer can speed up the process of getting pre-approved for a mortgage.




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Posted by Joe Kulle and Katie Riley on 9/8/2019

While buying a home is a huge decision that should entail a lot of planning and preparation, applying for a mortgage can be surprisingly easy. Just like with other lenders and creditors, a mortgage lender will want to know that letting you borrow money will be a safe investment. Applying for a mortgage is all about ensuring just that.

In today’s post, we’re going to breakdown the home loan application process to help you have the best chances at a smooth and successful mortgage approval. We’ll also define some of the common terms used in mortgages that might leave you scratching your head so you have a better idea of what your options are.

Prequalification and Preapproval

Getting prequalified and preapproved for a mortgaged can both be helpful steps toward securing your home loan. The two terms mean two entirely different things, however.

In order to be prequalified for a mortgage, you typically need to only fill out a simple form (sometimes directly through a lender’s website). On this form, you won’t need to provide specifics or official documents.

Why is this process so simple? Well, that’s because getting prequalified for a loan doesn’t ensure that you’ll actually receive one. Rather, it is simply the first step toward finding out what type of mortgage and interest rates you could receive.

The next step after prequalification is preapproval. To get preapproved, you’ll have to fill out an official mortgage application. Your lender of choice will request a few pieces of information from you, including tax returns, proof of employment for the last two years, and a list of your debts. The lender will also perform a credit check to determine your loan eligibility.

Credit report

At this phase, lenders will also run your credit report. This is a type of “hard credit inquiry” that details your payment history, the number of accounts you have open, and other factors that help make up your credit score.

To secure the lowest interest rate possible, it helps to have a high credit score. So, in the years and months leading up to your mortgage application, focusing on building credit will pay off.

To increase your credit score, you’ll need to focus on paying your bills on time each month. You should also avoid opening new accounts within a few months of applying for a mortgage because this will count as a new credit inquiry. New credit inquiries--including applying for a mortgage--lower your score temporarily, so it’s best to avoid them when possible.

Additional paperwork required for mortgage applications

Not every mortgage application will be the same. Depending on the type of income you receive, you may need to provide different forms of income verification.

Each person will also have to claim different debts and assets. When buying a home with a spouse or partner, it’s important to consider your debts, assets, and credit scores to determine if it’s better to apply jointly or separately.





Posted by Joe Kulle and Katie Riley on 9/1/2019

Outside exercise like running a certain distance can be a great way to workout, be physically fit, and even reduce weight. You don't need any gear or pay an excessive fee just to be a member of a gym.

Running is the perfect outdoor exercise. Running not only makes you physically fit but also gives you a chance to have an expanded view of your new city. Running new routes allows you to be more familiar with your new town.The only tricky problem attached to running in a new town is finding safe, secure, less crowded, and enjoyable running paths.

Below are tips that will help you in mapping out a safe 5k run in a new town:

  1. Have a chat with a local: Make friends with the people who have been living in that town for a while. Ask them about the safe routes in the city suitable for a 5k run. The locals already know their town inside out. Make sure you ask them if there's a popular running path that is totally safe and not too crowded.
  2. Use a mobile app: With the technology advancements, you gain access to almost any information needed. There are lots of mobile applications to help you map safe 5k routes. For example, check out All trails, Realbuzz, Strava's global heat map, iSmoothRun, Endomondo, MapMyRun, Runkeeper, Runstatic, or Couch to 5K.
  3. Check online for recommendations: You can research online for a specific trail you want to map out for a safe 5k run. People's reviews and testimonies go a long way in helping you. Try using Yelp to searching for “running trails.” Local runners use the site to post their recommendations.
  4. Find a running friend or a running group: You can run with a friend or a group to be able to check the environment personally to know if it is indeed safe or less crowded. Local athletic shoe stores often know of running trails and groups to join. Check at work, the local library, or Meetup to see if they keep a list.
  5. Do adequate research on the route: If the path you’ve chosen leads through public parks, neighborhoods, or trails, take time to locate any posted rules. Certain courses may have hour restrictions, and some locales may have regulations about running on school property during school hours. Introduce yourself to the school office or stop by the city’s parks and recreation department. You’ll meet new friends while finding the information you need.




Tags: fitness   how to   new city  
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Posted by Joe Kulle and Katie Riley on 8/31/2019


67 N. Water Street, East Bridgewater, MA 02333

Single-Family

$284,900
Price

9
Rooms
3
Beds
1
Baths
For that young family that wants to live in East Bridgewater. Located across from the Commercial Club! With a little work this truly is a great home. All natural wood work throughout the home. Nice level lot with an above ground pool. New hot water tank installed this past week. Low Down Payment call for details. Rehab money is available ask for details. Low, Low, Low down payment. Kick the landlord habit and own your own home today! This is a must see home not a drive by. And please give us a 24 hour notice.
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by Joe Kulle and Katie Riley on 8/25/2019

Every home seller wants to enjoy a positive property selling experience. Yet ensuring your home selling strategy goes according to plan may be difficult, particularly for a seller who lacks property selling expertise. Lucky for you, we're here to provide the help you need to achieve the optimal results at each stage of the home selling journey.

Now, let's take a look at three tips to help you reap the benefits of a positive home selling experience.

1. Set an Aggressive Initial Home Asking Price

How you price your home will have a significant impact on how quickly your residence sells. If you establish an aggressive initial home asking price, you should have no trouble stirring up plenty of interest in your residence as soon as your home becomes available.

Check out the prices of available houses in your area that are similar to your own residence. Then, you can establish a price range for homes in your area and price your house accordingly.

Furthermore, it often helps to evaluate the prices of recently sold houses in your city or town. With this housing market data at your disposal, you can find out whether you're getting ready to sell your home in a buyer's or seller's market.

2. Remove Clutter

Clutter is problematic, particularly for a home seller who wants to streamline the property selling cycle. Fortunately, home sellers who identify clutter now can eliminate this problem before they list their houses.

Antiques, paintings and other excess items inside your home should be removed. You can always rent a storage unit, which will enable you to keep these items safe until you sell your house. Or, you can host a yard sale or sell excess items online prior to listing your residence.

Don't forget to remove lawn decorations and other clutter from outside your house as well. By doing so, you can instantly improve your house's curb appeal and increase the likelihood of a fast, profitable home sale.

3. Consult with a Real Estate Agent

A real estate agent is prepared to do everything possible to ensure you can enjoy a positive house selling experience. In fact, this housing market professional will offer plenty of support at each stage of the home selling journey.

Usually, a real estate agent will meet with you before you list your house. He or she then will craft a home selling strategy designed to help you accomplish your home selling goals. Next, a real estate agent will promote your house to dozens of potential buyers, set up home showings and open house events and keep you up to date about any offers to purchase your residence. And if you decide to accept an homebuying proposal, a real estate agent will guide you through the home closing process.

Ready to reap the benefits of a positive home selling experience? Take advantage of the aforementioned tips, and you can seamlessly navigate the home selling journey.




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