Marianne Belanger's Blog
80 Washington Street, Shrewsbury, MA 01545
Believe it or not, your credit score can make a world of difference as you get ready to search for your ideal house. If you have an excellent credit score, you likely will have no trouble obtaining home financing. On the other hand, if you have a bad credit score, you may struggle to get the financing you need to make your homeownership dream come true.
Ultimately, there are many reasons why you should try to boost your credit score before you purchase a home, and these include:
1. You can simplify the homebuying process.
Purchasing a home can be challenging, particularly for property buyers who fail to get pre-approved for financing. Luckily, if you request copies of your credit reports, you can find out your credit score and identify ways to improve it. Perhaps most important, you can explore ways to bolster your credit score before you submit a mortgage application and increase the likelihood that you can receive pre-approval for a mortgage.
It usually is a good idea to review your credit reports before you enter the housing market. You are entitled to a free copy of your credit report annually from each of the three reporting bureaus (Equifax, Experian and TransUnion). If you request a copy of your credit report from the three reporting bureaus, you can learn your credit score and plan accordingly.
2. You may qualify for a low interest rate on a mortgage.
An excellent credit score may help you get a low interest rate on a mortgage. Thus, if you have an excellent credit score, you may wind up reducing your monthly mortgage payments.
Of course, a low interest rate on a mortgage may allow you to invest in your home as well. If you use the money that you save on your mortgage to complete home improvements, you could upgrade your residence and increase its value over time.
3. You can select the right mortgage option based on your individual needs.
With an outstanding credit score, there likely will be no shortage of lenders that are willing to work with you. As such, you can review a broad range of mortgage options and choose one that matches your expectations.
If you need to improve your credit score, there's no need to worry. Typically, paying off outstanding debt will help you boost your credit score prior to buying a house.
Furthermore, if you receive a credit report and identify errors on it, contact the bureau that provided the report. This will enable you to make any corrections right away.
And if you need help as you get ready to pursue your dream house, don't hesitate to reach out to a real estate agent too. A real estate agent can put you in touch with the top lenders in your area and make it easy to obtain home financing. Plus, this housing market professional will enable you to evaluate residences in your preferred cities and towns and find one that you can enjoy for an extended period of time.
209 Pleasant Street, Paxton, MA 01612
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A porch is a lovely way to enjoy the outdoors. One of the best ways to maximize your outdoor time is to screen in these indoor/outdoor areas. You can completely transform your outdoor sitting area to an additional living area by enclosing your porch.
Once the enclosure is set, what was simply an outdoor oasis will become an extension of your home. You’ll be able to decorate the room just as you would with any other part of the house.
Benefits Of A Screened In Porch Include:
- Ability to enjoy the space in all weather
- A place to entertain in all weather conditions
- A shady spot in warmer temperatures
- A way to keep pests like mosquitoes and flies out
- Easy to maintain
- Added value to your home
- A way to maximize the use of all the areas of your home
Mother Nature can be unpredictable. If you enjoy being outdoors and you like entertaining, screening in your porch or deck can be one of the best improvements that you could make to your home. You can entertain without worry rain, wind or shine. You won’t need any fancy bug repellents, candles, or sprays to keep pests away. Screened in areas make life easier.
What To Consider When Building An Enclosed Porch
Designing a porch enclosure can be tricky. You want it to look natural as if it has always been a part of the home. Done right, a screened in porch can be a beautiful addition to your home and really add to the overall look of the house. There are so many types of technology available today that you can bring all of the modern comforts with you to your season room. The screened in portion of the room will give you the best of both worlds. You can enjoy the sun with some built-in shade. You can use the room throughout the year, and you may even be able to add a heating system to the space for even more enjoyment. Don’t be hesitant to add a screened in enclosure if you really love the outdoors as it can only enhance your experience.
The most important thing is that the enclosure is built with quality materials that match your home. The stronger the material, the more value the space will add to your home. You also want a durable material that will be low maintenance. The materials used shouldn’t be susceptible to warping or rotting. All you should worry about once a porch is screened in is caring for that room as you would any other room of the house.