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Home Buying in Northborough : Real Estate Advice

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  • Local Info1
  • Home Buying14
  • Home Selling5
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Activity 19
Sat Jan 31, 2015
USMortgageRanger answered:
HI Anita,

Congratulations on your decision to purchase a home. . I would suggest you get APPROVED not just pre-qualified. Let me explain the difference. When you start shopping for a home, most Agents and Builders want you to get pre-qualified, before they spend any time with you. However, being pre-qualified doesn’t mean you are ready to buy. In this market, property is moving faster than ever. So if you are ready to buy, you should get APPROVED by a competent Lender. Approval is similar to having cash in your pocket and this tells the seller you are truly ready to buy. In fact many listing Agents and Builder won’t even look at your offer unless its attached to a real pre-approval with FHA, Fannie Mae, Freddie Mac, VA or USDA Approval.

We are the Nation only veteran-owned, federally chartered bank with a focus on educating customers about the mortgage process and providing opportunity for home-ownership nationwide. We're a direct mortgage lender/ Servicer not a broker. That means no middle man and no broker fees. We handle the entire loan process in-house from processing to underwriting, funding your loan and finally servicing your loan.

I recognize that you are very busy, so I am only asking you to spend 6 minutes with me to discuss your needs so we can determine if we can be of service to you. After answering just a few simple non-credit related questions (I do not need to pull your credit report in advance) I will be able to email you some options that will allow you to immediately determine if we are the right choice for you and your family.
Please give me a call to make your dreams a REALITY.

Lowell Sterling
Mortgage Banker
NMLS# 968898
The Federal Savings Bank
Mobile: 469-347-3572
Direct: 512-717-0403
https://www.thefederalsavingsbank.com/LowellSterling
... more
0 votes 1 answer Share Flag
Thu Dec 12, 2013
Heath Coker answered:
How did the move go?
What did you decide?

(Please note: when you choose an answer as a Best Answer, or at least give a thumbs up, it helps those who answer questions here.)
0 votes 4 answers Share Flag
Fri Nov 29, 2013
Christine Moran Realtor & Notary answered:
Find an agent to be put on their MLS email so as soon as one is listing you'll have the first chance to see it.
0 votes 2 answers Share Flag
Wed Jun 19, 2013
Michael Durkin answered:
Hello, Fairway drive is built by Brendon Homes in the mid 2000,s It is one of the only high end neighborhoods to be built with Town water and Sewer . It has a draw all its own, as it is very close to Juniper Hills 2 golf courses {right across the street} And its easy access to all points Metrowest is stellar !! Great schools and Great neighbors certainly help sell the homes and the fact that a lot of the Homeowners are corporate relos makes it a very salable place to live.. In fact when I marketed when it was first approved , the first 10 buyers I contacted bought there !! ... more
0 votes 5 answers Share Flag
Thu Jun 6, 2013
Annette Lawrence answered:
Runnher, Milford Ma:

This is a truly conflicting issue. Having lost my spouse in the midst of a dramatic life change left me adrift and incredibly vulnerable. Six months is insufficient time to regain the clarity of purpose from where we are able to make the best decisions. These influences converged upon you and the aftermath has left you harboring .....RESENTMENT!
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When one entertains the thought that they have been minipulated, and your posting suggests that what is occupying your thoughts, the certain outcome if the feeling of resentment.
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Runner, it matters not if your accusation is true or false.
What does matter is what you do next.
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It is impossible to seperate one business decisons from personal issues when being frequently ambushed by waves of grief. They can bring you to your knees. I know.
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You must allow the greiving process to complete. It will never go away but will, in time be your travel companion from whom you learn how to celebrate life and the memories.
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When you are approaching wholeness, the capciaty to be willng to forgive will present a new garden of possibility. To not forgive is to banish yourself from the real prospect of a life liberated through truth. And the truth is, you must go on. Forgiveness is the key that opens the gate.
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Your townhome is sold.
Put this greivience down. Declare it dead to you. Unencumbered and untainted by resentment, walk with expectation into your life. Celebrate. Be curious. Do new things. Make new friends. I know what happened to the old ones. Make peace. Choose kindness.

Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, Fl
727.420. 4041
http://RealEstateMadeEZ.us
... more
0 votes 7 answers Share Flag
Thu Jun 6, 2013
stephen webber answered:
Sellers have that right and sometimes in hot markets things get a little goofy.
Learn your market, at least driving buy every property for sale in the area and price range you have selected. In the process you may discover a better buy or will confirm the value of the one you are working on now.
Its very important in todays market to know value in your market. Its too easy to make a mistake amongst all of the action and hustle.
You will find a series of articles on the step by step process of identifying the best buys at Your Road Home. And if you are a first time home buyer be sure to read article #9 on the MCC Tax Credit for first time home buyers. Best tax credit yet.
Best of Luck, Stephen Webber, Retired after 34 Years of Real Estate,
... more
0 votes 17 answers Share Flag
Tue Nov 27, 2012
Corineteitenberg answered:
Can be costly, depending on the size.
Find List of Roof Prices Here - http://tiny.cc/roofcost

If that doesn't help. Find roofers that specialize and grab some bids. Best way to find a deal. ... more
0 votes 6 answers Share Flag
Mon Nov 19, 2012
Karen Scopetski answered:
I would go to a credit union or a local bank for a loan. You will be able to see them in person:)
0 votes 6 answers Share Flag
Mon Nov 19, 2012
Karen Scopetski answered:
Not impossible, you should talk to a profolio lender. You may pay a higher interest rate. Once your credit is better you can refi. Usually credit unions or local banks do profolio loans
0 votes 10 answers Share Flag
Mon Jan 30, 2012
bgk answered:
School system in NB is regarded as superior to the system in Shrewsbury. Taxes are much higher in NB, both the rate and the actual tax.
1 vote 10 answers Share Flag
Fri Jan 20, 2012
Heath Coker answered:
Your question contains its own answer. Detached, larger and privately owned land, and same price point. No association restrictions that you'll have with an attached property. If the locations are at least similar, you're done. ... more
1 vote 5 answers Share Flag
Fri Nov 18, 2011
Heath Coker answered:
Hi Rita, my guess is that you are either at Main St or Brigham St and waiting for your own pending designation. Others have answered the pending part, so the Claimed By Owner means that the owner of this property told Trulia that they are the owner. That is supposed to make the information more credible. Good luck on your sale. ... more
0 votes 7 answers Share Flag
Tue Mar 29, 2011
T Mack answered:
Forgotten -

You actually dodged a bullet. Since your fiasco the economy is worse, the US is about to be officially in another recession and confidence in the housing market (rightly) is quickly waning.

There in not nearly enough wealth in generation X / Y / Millenium to grow or even maintain the housing industry the way the boomers did the last generation. Housing deflation is hear to stay for a while. Literally would have to tear down houses to get rid of the excessive inventory.

You will be better off to wait until next year to buy and even better off if you wait until 2013, and even better off if you wait until 2014.....
... more
0 votes 9 answers Share Flag
Wed Sep 2, 2009
Peter Fyler answered:
Is it legal? It is not illegal, but is it wrong, totally inappropriate and out of line? Hell yes! However, I would suggest that no one can make someone do anything they do not want to do. Of course, I am not talking about waterboarding or holding a loaded gun to your head. I have clients that are well over 79 years old and they are still very acute, even savvier than some x-gener’s I know. So I think you would need to elucidate as to your meaning of ‘badger’. Pitching one’s services is something most agents do, be they seller or buyer agents. This is a very competitive business, but experienced professionals know that the hard sell does not work. No one likes to be ‘sold’, and being pushy will actually drive most people in the opposite direction. I would suggest you have your parents write a letter to the agent’s principal stating their displeasure and asking to be released from the agreement. I would bet the agreement will be nullified and from now on your parents can tell anyone soliciting them to speak to you first. There are a lot of very good responses to your question, I am just adding M2C. Also, some licensees present the Mandatory Agency Disclosure form as being a contract; it is not. ... more
0 votes 13 answers Share Flag
Thu Aug 6, 2009
Andrew Adams answered:
"IPCs provide an incentive for a borrower to purchase a particular property, and in certain real estate markets, IPCs may be used to artificially inflate or maintain the sales price of a property. Fannie Mae has established definitive terms for what constitutes an IPC, specific limits on the use and permissible amounts of IPCs, and how IPCs in excess of permissible limits must be treated. These guidelines are designed to help avoid practices that may distort or artificially inflate the market value of properties."

The point of HVCC is to prevent home values to be artificially inflated...which is exactly what the builder is trying to do with these types of incentives.
... more
0 votes 10 answers Share Flag
Thu Jun 18, 2009
Angela Dolber answered:
We would need some more information from you to answer this question. I work with a mortgage broker who might be able to help you depending on where you are looking to buy, your income, etc, so give him a call or send him an email.

Mark Alley
Key Home Mortgage
508-366-0636
malley@keyhomemortgage.com

Good luck! Angela Dolber, Realtor, Prudential Prime Properties angela@pruprimehomes.com
... more
0 votes 2 answers Share Flag
Mon Mar 9, 2009
Andrew Adams answered:
You can still split the loan in 2. I can offer a 1st mortgage at $417,000 with a fixed rate 2nd mortgage up to $150,000. Combined financing of $567,000, with a purchase price of $700,000 you would need $133,000 down. True Jumbo loan pricing is rough, even the portfolio lenders that were agressively priced have become less aggressive as the funds available are limited. ... more
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