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Kerri Butler's Blog

By Kerri Butler | Agent in Plymouth, MA
  • "NEW" Housing Trends News letter

    Posted Under: Home Buying, Home Selling, Financing  |  March 21, 2013 10:48 AM  |  1,010 views  |  No comments
    This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

    Please click on this link to view the Housing Trends FEBRUARY - 2013 Newsletter:

    The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.

    Housing Trends eNewsletter is also filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, housing market video reports, blogs, real estate glossary, maps, mortgage rates and calculators, consumer articles, community reports that map shopping, schools, recreation and more. 

    If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report:

    Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.
  • Virtual Tour~Brockton Ranch.....$195,000

    Posted Under: Home Buying, Home Selling, In My Neighborhood  |  March 29, 2012 6:21 PM  |  1,046 views  |  No comments
    Great Ranch For Sale...copy & paste link to your browser to check out virtual Tour below...


    Call for more info. on this great home!   617-953-0441
  • Warm Weather Starts Spring Market off Early!

    Posted Under: Market Conditions, Home Buying, Home Selling  |  March 29, 2012 6:17 PM  |  1,042 views  |  No comments

    Posted Under: Home Buying, Home Selling, Property Q&A  |  January 29, 2012 6:02 PM  |  1,090 views  |  1 comment
    Feel free to visit my page on Facebook where you can search listings without leaving facebook!


  • Avoid Changes to Your Financial Profile During the loan Process

    Posted Under: Home Buying, Credit Score  |  January 20, 2012 8:36 AM  |  1,210 views  |  No comments

    Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider:

    The lender is looking to see what your source of down payment is.

    Your lender will most likely ask you to provide proof of your liquid assets. This includes bank statements for checking and savings accounts, verification of investments, and any other liquid assets. Some of the things they ask for may seem trivial, but keep in mind, if you are planning a move to a new home, it's important to have all documentation readily available. If the lender asks for cancelled checks or deposit receipts to meet certain conditions, you want to be able to find these things quickly to avoid delaying the closing of your loan. Make sure your paper trail is easy to document, and don't move money from one account to another.

    Major purchases tip the scales against your favor.

    Avoid making any major purchases. You might be thinking about purchasing new appliances for the new home. This is not the time to do it. Avoid making any major purchases on jewelry, appliances, furniture, vacations, or anything with a significant price tag.

    Buying or leasing a car can make a negative impact on the way the lender views your financial status. This is a big ticket item that dramatically affects your debt-to-income ratio. You may feel you have room in your budget to purchase a new car, and think this is a worthy investment if you are looking for a home that will mean a longer commute for you on a daily basis. But by tacking a car payment onto your existing debt, you reduce the amount that you will qualify for in a home loan. A $400 a month car payment can reduce your approved loan limit by as much as $50,000. Think about doing this
    after your loan is approved if you really need it.

    If you have to change jobs, you may be asked to document why this change occurred.

    If you are changing jobs to increase your income, that's a no-brainer for the lender. If you have an erratic work history to start with, another job change may make it look worse for you.

    If you are an hourly wage employee, most likely a job change will have no effect on your ability to qualify for a loan. If you have a track record of a consistent amount of overtime or consistent bonuses over the last two years, the lender views this favorably. If you change jobs, there is no way of knowing if the new employer will pay overtime. Many do not! If you work on a salary + commission or straight commission basis, it has a dramatic effect on your stability. If you are considering starting your own business, again, this is something to consider
    after your loan is funded.


  • 2011 TAX CREDITS

    Posted Under: Home Buying, Financing, Property Q&A  |  January 1, 2012 4:38 PM  |  1,280 views  |  No comments
  • 2011 Predictions

    Posted Under: Home Buying, Home Selling, Financing  |  January 15, 2011 4:51 AM  |  394 views  |  No comments
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