David Tellier - Homefitter Realty, LLC



Posted by David Tellier on 11/8/2018

For those who want to acquire a house, it helps to get your finances in order. That way, you can quickly and effortlessly navigate the homebuying journey without having to worry about how you'll afford your dream house.

There are many quick, easy ways to straighten out your finances before you embark on the homebuying journey, such as:

1. Assess Your Credit Score

Your credit score ultimately can play a major role in your ability to secure a great mortgage. If you understand your credit score, you may be able to find ways to improve it prior to conducting a home search.

It is important to remember that you are entitled to a free copy of your credit report annually from each of the credit reporting agencies (Equifax, Experian and TransUnion). Request a free copy of your credit report today, and you can take the first step to evaluate your credit score.

If you find that your credit score is low, there is no need to worry. You can always pay off outstanding debt to improve your credit score over time.

Also, if you identify any errors on your credit report, you'll want to address these mistakes immediately. In this scenario, you should contact the agency that provided the report to ensure any necessary corrections can be made.

2. Look Closely at Your Monthly Expenses

When it comes to buying a house, it generally helps to have sufficient funds for a down payment. The down payment on a house may fall between 5 and 20 percent of a home's sale price, so you'll want to have enough money available to cover this total for your dream residence.

If you evaluate your monthly expenses, you may be able to find ways to save money for a down payment on a house.

For example, it may be beneficial to cut out cable TV for the time being and use the money that you save toward a home down payment. Or, if your dine out frequently, cooking at home may prove to be a substantial money-saver that could help you speed up the process of saving for a down payment.

3. Get Pre-Approved for a Mortgage

With pre-approval for a mortgage, you can enter the housing market with a budget in hand. Then, you'll be better equipped than ever before to narrow your search to houses that fall within your price range.

To get pre-approved for a mortgage, you'll want to meet with banks and credit unions. These financial institutions can teach you about different mortgage options and help you assess all of the options at your disposal.

Furthermore, don't hesitate to ask banks and credit unions about how different types of mortgages work. This will enable you to gain the insights that you need to make an informed decision about a mortgage based on your financial situation.

If you need extra help as you prepare to pursue a house, you may want to hire a real estate agent as well. In fact, a real estate agent can help you find a high-quality house at a budget-friendly price in no time at all.




Categories: Uncategorized  


Posted by David Tellier on 11/7/2018


1 Cole Ave Avenue, Haverhill, MA 01835

Single-Family

$229,000
Price

2
Bedrooms
4
Rooms
1
Baths
Two bedroom home on a quiet street in Bradford. Open concept first floor with convenient first floor laundry. Central air and heat. Fenced in back yard, perfect for children or pets. Off street parking. Freshly painted walls. Move-in condition and priced to sell. Ideal location for small town living, but great for commuting as well. Best value in Bradford. Disclosures: Central Air needs repair, missing screens, seller is related to listing agent, year built source is previous owner.
Open House
Saturday
November 10 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 1 Cole Ave Avenue, Haverhill, MA 01835    Get Directions






Categories: Open House  


Posted by David Tellier on 11/7/2018


1 Cole Ave, Haverhill, MA 01835

Bradford

Single-Family

$229,000
Price

4
Rooms
2
Beds
1
Baths
Two bedroom home on a quiet street in Bradford. Open concept first floor with convenient first floor laundry. Central air and heat. Fenced in back yard, perfect for children or pets. Off street parking. Freshly painted walls. Move-in condition and priced to sell. Ideal location for small town living, but great for commuting as well. Best value in Bradford. Seller is related to listing agent. Bradford Ski Area nearby.
Open House
Saturday
November 10 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 1 Cole Ave, Haverhill, MA 01835    Get Directions

Similar Properties





Categories: Open House  


Posted by David Tellier on 11/1/2018

Just because youíre not rolling in the dough doesnít mean you canít have a luxurious living room with a theatre-like experience. Upgrade your living room with these high-end updates that wonít break your bank:

If your home doesnít have a built-in fireplace you can still replicate the classic focal point with an electric fireplace. Whether you are looking for one with a stone mantle or framed in wood youíll have plenty of options to choose from no matter the size you need. The best part is these fireplaces are just as much functional as they are decorative and will keep you warm all winter long.  

Hereís an upgrade the whole family will love - a new television. If itís been a hot minute since you bought your television look for more up-to-date tech. A high definition and/or smart tv option will feel luxurious for certain. And of course, there is always the option to upgrade on size.

Install surround sound tv or a soundbar to bring your movie nights to a new level. Video games will feel more intense and movies immersive. With so many options on the market, it doesnít have to be a huge hit to the wallet. For a true high end look for options that can either easily hide or blend in well with your existing decor.

Create a sleek tv center with a cord hider kit for your wall-mounted television. While this involves a little bit of tool know how to safely drill into the wall, it can be a quick weekend project. Alternatively, there are kits that allow you to hide the cords in a shallow tube without breaking out any power tools. With this option, you will want to make sure you have the paint color of your walls on hand to paint the tube to match.  

Frame your flat screen tv for a chic and unique look. You can DIY this upgrade with some crown molding for a completely custom product. You can also find many tv covers that are much like shutters for your television. When closed they look like a tidy cabinet display.

Add molding around a plain bookcase to bring depth and class to the piece. Molding allows you to easily create a built-in look for a large entertainment center or a window seat flanked by bookshelves. The final product is 100% unique and created for your families needs and preferences.

A coat of paint can make all the difference. Whether it be the walls or just your side tables. For a luxe, high-end look reach for neutrals. To make a statement a vibrant, pop of color will feel chic and stylish. Creating a radical color change can make you feel like you have a whole new room without changing out all your decor.  




Tags: upscale   high-end   living room  
Categories: Uncategorized  


Posted by David Tellier on 10/31/2018


1 Cole Ave, Haverhill, MA 01835

Bradford

Single-Family

$229,000
Price

4
Rooms
2
Beds
1
Baths
Two bedroom home on a quiet street in Bradford. Open concept first floor with convenient first floor laundry. Central air and heat. Fenced in back yard, perfect for children or pets. Off street parking. Freshly painted walls. Move-in condition and priced to sell. Ideal location for small town living, but great for commuting as well. Best value in Bradford. Seller is related to listing agent. Bradford Ski Area nearby.
Open House
Sunday
November 04 at 10:30 AM to 12:00 PM
Cannot make the Open Houses?
Location: 1 Cole Ave, Haverhill, MA 01835    Get Directions

Similar Properties





Categories: Open House