RE/MAX Main Street Associates
Plaistow: 603-382-7979 | Haverhill: 978-373-6033


Posted by RE/MAX Main Street Associates on 6/14/2019


77 Greenough St, Haverhill, MA 01832

Single-Family

$430,000
Price

6
Rooms
3
Beds
2/1
Full/Half Baths
New Construction Colonial. Quality-built by Steve Defeo, who is known for his hands-on quality construction. The floor plan takes advantage of every bit of living space. There is hardwood flooring in the living room, dining room, kitchen, hallway, stairs and 2nd floor hallway. Very open front-to-back dining room/kitchen featuring recessed lighting, granite counter tops, fully applianced with stainless steel appliances, sliding door to spacious deck, lots of cabinets, peninsula for storage and dining. Front-to-back sunny living room with gas fireplace, Casablanca fans and ample windows. Laundry in 1st floor half bath also with granite counter tops and tile flooring. Front-to-back master bedroom suite enhanced with Casablanca fan, walk-in closet. Granite counter top and tile flooring in the full bath. Central air and central vac. 2-car garage under.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by RE/MAX Main Street Associates on 6/13/2019


41 Westchester Dr, Haverhill, MA 01830

Condo

$284,000
Price

5
Rooms
2
Beds
2
Baths
THE FAIRWAYS, One of the most desirable and sought after communities in Haverhill has a fantastic unit available. This particular unit is located on the top floor and features an open concept kitchen with granite counter tops, stainless steel appliances, an abundance of cabinets, breakfast bar and washer and dryer. The formal dining room boasts hardwood flooring and crown moldings. The living room is bright and sunny with a gas fireplace, access to a covered balcony and ample closet space. There are two Master Bedroom suites. The first with a well appointed bath with walk-in shower, 2 spacious closets, and a lovely sitting room which could be used as a dressing area, office or library. The second offers a tub/shower and ample storage. Check all the amenities this wonderful community has to offer.
Open House
Saturday
June 15 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 41 Westchester Dr, Haverhill, MA 01830    Get Directions

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Tags: Haverhill   Real Estate   Condo   Open House   01830  
Categories: Open House  


Posted by RE/MAX Main Street Associates on 6/11/2019


18 Ethel Ave, Peabody, MA 01960

Single-Family

$399,900
Price

6
Rooms
3
Beds
2/1
Full/Half Baths
Affordable Peabody home featuring 6 rooms, 3 bedroom, 2.5 baths. This home has gleaming hardwood floors, beautiful crown moldings, expansive kitchen with lots of cabinets and breakfast bar. Formal dining leads to Trek deck. Three generous bedrooms, lots of storage. Great farmer's porch, 2-car garage detached and accessed on Palmer. Located on a dead end street, steps from Emerson Park, close to Higgins schools and 1/2 mile from police and fire station.
Open House
Saturday
June 15 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 18 Ethel Ave, Peabody, MA 01960    Get Directions

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Categories: Open House  


Posted by RE/MAX Main Street Associates on 6/11/2019


854 Broadway, Haverhill, MA 01832

Condo

$284,900
Price

6
Rooms
3
Beds
2/1
Full/Half Baths
Looking for an affordable open-concept condo in a small complex? Then look no further. You'll be impressed with space in this 6 room, 2-3 bedroom, 2.5 bath condo. Fully applianced kitchen with breakfast bar, newly installed gas fireplace in living room. Master bedroom has good-sized closets and large master bath. Washer and dryer are conveniently located upstairs. Kitchen, baths, and big entry way have also recently been tiled. Garage and central air. Low condo fee of $250. Pets welcome, but must have board approval. Won't last at this price. SHOWINGS DEFERRED to Open House on Thursday, May 30, 2019, 5-6:30pm.
Open House
Tuesday
June 11 at 11:00 AM to 1:00 PM
More Open Houses
Cannot make the Open Houses?
Location: 854 Broadway, Haverhill, MA 01832    Get Directions

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


Posted by RE/MAX Main Street Associates on 6/9/2019

Preparing to buy a home is a long and stressful process for many. You’ve spent months, or even years, saving for a down payment, planning your future, and building your credit to ensure you get the best possible interest rate on your loan.

Then you find out, when getting preapproved for a mortgage, that your credit score dropped by a few points. So, what gives?

There’s a lot to understand about how credit scores affect mortgages and vice versa. In today’s post, I’m going to attempt to cover everything you need to know about how applying for a mortgage can affect your credit score so you’ll be prepared when it comes time to buy a home.

Prequalification, preapproval, and credit checks

There are a lot of misconceptions about what it means to be preapproved or prequalified for a loan. Some of it is due to the jargon that is used in real estate transactions, and some of it is just a marketing technique on the part of lenders. 

So, what does it mean to be prequalified vs preapproved?

The short version is that getting prequalified is a quick and easy process to determine whether you’re eligible to lend to and how much you’re likely to receive. It involves a quick review of your finances, and often includes either a self-reported or soft credit inquiry.

A “soft inquiry” is the type of credit check that employers typically use for a background check. It doesn’t affect your credit score, as you are not applying to open a new line of credit. In fact, many lenders’ process for prequalification is a simple online form that doesn’t even require a credit check. We’ll talk more about the difference between soft inquiries and hard inquiries later.

The simplicity of prequalification makes it a simple and easy way to get started. But, it isn’t always accurate in how well it predicts the type of mortgage and loan amount you can receive. That’s where preapproval comes in.

When you get preapproved for a loan you fill out an official application (you often have to pay for these). This will request documentation for your finances and assets, and will ask your approval to run a detailed credit report.

These credit reports are considered “hard inquiries” and are a vital step in getting approved or preapproved for a mortgage. However, they also, at least temporarily, lower your credit score.

Why hard inquiries lower your credit score

When any creditor, be it a bank or credit card company, is determining whether to lend to you, they want to know that you are a safe investment. To determine this, they want to know how frequently you pay your bills on time, how much you owe to other creditors, and how financially stable you are right now.

When you make multiple inquiries in a short period of time, it’s a red flag to lenders that you might be in trouble financially. Thus, hard inquiries will lower your credit score for 1 to 2 months.

Applying to multiple lenders: the silver lining

When borrowers apply for a mortgage, they often shop around and apply to multiple lenders. While it may seem that all of these hard inquiries will add up and drastically lower their credit score, this isn’t the case.

Credit bureaus take into account the source of the inquiries. If they realize that you are applying for mortgages, they will typically recognize this as rate shopping and group these applications together on your credit report, counting them only as a single inquiry. This means your score shouldn’t drop multiple times for multiple mortgage preapprovals that were made within a small time frame.


Now that you know more about how mortgage applications affect your credit score, you can confidently shop around for the best mortgage for you and your family.




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