Lauren Davis
REALTY EXECUTIVES Boston West | 508-254-0449 | [email protected]


Posted by Lauren Davis on 10/9/2019

If you plan to pursue a house, you likely want to enjoy a seamless homebuying experience. Although you may take extra steps to err on the side of caution as you explore myriad homes, there may be times when it helps to be an aggressive homebuyer.

Ultimately, there are many reasons why you may want to be aggressive and try to accelerate the homebuying journey, such as:

1. You're facing a tight deadline.

If you have only a certain amount of time to buy a house, it may be a good idea to be aggressive. That way, you can accelerate the homebuying journey and acquire your ideal residence before time runs out.

For those who are facing a tight deadline, you may want to stay on top of new houses as soon as they become available. Fortunately, if you work with an expert real estate agent, you can do just that.

An expert real estate agent can keep you up to date about houses that fall within your price range and are located in your preferred cities and towns. As a result, this housing market professional can help you secure your dream house faster than ever before.

2. You discover your dream home and don't want to risk losing it to a rival homebuyer.

If you find a house that fulfills all of your homebuying criteria, there is no need to wait to submit an offer. In fact, if you hesitate, you risk losing your ideal residence to a rival homebuyer.

Of course, when submitting an offer on a house, it pays to be realistic. If you analyze the housing market closely, you can understand a house's current value and submit a competitive proposal right away. As such, you can boost the likelihood of receiving an instant "Yes" from a seller, as well as improve your chances of enjoying a successful homebuying experience.

3. You possess the homebuying confidence and expertise that you need to succeed.

An informed homebuyer should have no trouble assessing the housing market and finding a residence that matches or exceeds his or her expectations. Thus, this homebuyer may be more likely than others to quickly discover a terrific house at a budget-friendly price.

To build your homebuying confidence and expertise, it may be beneficial to collaborate with a real estate agent. This housing market professional can teach you everything that you need to know about purchasing a house. By doing so, a real estate agent will ensure that you can achieve the best-possible results throughout the homebuying journey.

Let's not forget about the housing market insights that a real estate agent can provide, either. A real estate agent can help you differentiate between a buyer's and seller's market, submit a competitive offer on a home and much more. Therefore, with this housing market professional at your side, you can go from homebuyer to homeowner in no time at all.

Ready to start your search for your dream house? Become an informed homebuyer, and you can speed up the homebuying journey.




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Posted by Lauren Davis on 10/2/2019

We all know that buying a home is expensive. For first-time buyers who don’t have the luxury of equity for a down payment, it can be difficult to find a way to finance your home without taking on a huge interest rate and mortgage insurance.

Fortunately, loan programs like those offered by the U.S. Veterans Affairs can be a godsend. However, there is a great deal of confusion around who is eligible for VA loans and how to acquire them.

So, in today’s post, we’re going to cover some of the frequently asked questions of VA loans. That way, you can feel confident in knowing whether or not it’s a good financing option for you and your family.

VA Loans FAQ

Who is eligible for a VA Loan?

VA loans aren’t just for veterans. Most members of the military, including Reserve and National Guard members can apply. Additionally, spouses of service members who died from a service-related disability and those who died on active duty can apply as well.

How long do you have to service to be eligible?

The VA defines eligibility as having served no less than 90 days of service during wartime and 181 days of continuous service during peacetime.

Who are VA Loans offered by?

Like any other loan, VA loans are offered by private lenders. The difference is that VA loans are guaranteed by the government. That means that the federal government takes on some of the risk of lending to you, therefore making it possible to secure a loan with little or no down payment.

Should I make a down payment on a VA loan?

If you have the means, making a down payment will almost certainly save you money in the long run. If you can put down 10% of your total mortgage amount, you can also significantly reduce the VA Funding Fee.

Will I have to pay private mortgage insurance?

Private mortgage insurance (PMI) is something that borrowers pay on top of their mortgage payments and interest. This additional insurance helps borrowers buy a home with a small down payment. VA loans allow you to secure a mortgage without PMI.

Are VA loans different for active duty, National Guard, and Army Reserve members?

Each type of service member is eligible for a VA loan. However, there are some minor differences regarding the VA Funding Fee. With no down payment, an active duty member would pay 2.15% of the loan amount in fees. National Guard and Army Reserve members pay around 2.40% with no down payment.

What does my credit score need to be to get a VA loan?

The VA doesn’t have a set minimum credit score. However, the private lenders that offer the loan do. On average, the lowest credit score that you can secure a VA loan with is around 620. That being said, a higher score will secure you a lower interest rate, saving you money over the lifetime of your loan.




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Posted by Lauren Davis on 7/17/2019

A home inspection is a key part of the property buying process. If you fail to allocate the necessary time and resources to conduct an in-depth inspection, you may struggle to identify various home problems before you finalize your property purchase. And if you cannot identify such issues, you risk buying a home that may require costly, time-intensive upgrades in the foreseeable future.

Ultimately, there are many things that you can do to ensure that a home inspection provides you with the insights you need to determine whether to proceed with a home purchase. These include:

1. Hire an Expert Home Inspector

A home likely is one of the biggest purchases you'll make in your lifetime. As such, there is no need to leave anything to chance, especially when it comes to conducting a house inspection. But if you hire an expert home inspector, you can get the support you need to conduct a comprehensive property inspection.

Look for a home inspector who possesses extensive experience. Also, you may want to ask a home inspector for client referrals before you make your final hiring decision. If you get in touch with a home inspector's past clients, you can find out what it's like to work with this professional and proceed accordingly.

2. Attend Your Home Inspection

You are under no obligation to attend your home inspection. But in most instances, it is beneficial to attend an inspection.

A home inspection usually requires just a few hours to complete, but the benefits of attending an inspection may last a lifetime.

For example, during an inspection, a home inspector may be able to provide you with property repair insights that otherwise won't be included in your inspection report. Meanwhile, attending a home inspection allows you to ask questions and gain the insights you need to make an informed decision about a home purchase.

3. Analyze Your Home Inspection Results

Spend some time reviewing a home inspection report – you'll be happy you did. If you assess a home inspection report closely, you can use all of the information at your disposal to decide whether to continue with a house purchase.

Furthermore, if you have questions about a home inspection report, don't hesitate to reach out to the inspector who conducted the evaluation. This inspector can respond to any report questions that you may have and provide you with information that could prove to be exceedingly valuable as you make your final decision about a house.

As you get ready to buy a home, it certainly helps to have a best-in-class real estate agent at your side too. This housing market professional can offer recommendations and suggestions about what to do following a home inspection. Plus, he or she can provide plenty of guidance at each stage of the property buying journey.

Take the guesswork out of a home inspection – use the aforementioned tips, and you can boost the likelihood of completing a successful property inspection before you finalize a home purchase.




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Posted by Lauren Davis on 6/19/2019

Purchasing a house should be an unforgettable journey for all the right reasons. However, problems sometimes may arise that can make it tough to enjoy a positive homebuying experience.

Whether it's struggling to know where to search for your dream home or getting the financing you need to purchase a house, myriad problems may prevent you from enjoying a positive homebuying experience. Lucky for you, we're here to help you identify potential homebuying hurdles and eliminate such problems before they escalate.

Now, let's take a look at three tips to help you reap the benefits of a positive homebuying experience.

1. Enter the Housing Market with Clear Expectations

If you know you want to purchase a house, it helps to enter the real estate market with clear expectations. That way, you'll be better equipped than ever before to streamline your house search.

Consider what you want to find in your dream house. For example, if you want to own a house near the beach, you should conduct your home search accordingly. Or, if you want to buy a home with a big backyard and outdoor swimming pool, you can hone your home search as needed.

Think about areas where you want to reside too. By doing so, you can focus on available homes in specific cities and towns.

2. Know Your Homebuying Budget

Get pre-approved for a mortgage – you'll be glad you did. Because if you have a mortgage at your disposal, you can pursue houses in a specific price range and speed up your home search.

Obtaining a mortgage can be simple. In fact, if you meet with a variety of banks and credit unions, you may be able to get a mortgage in no time at all.

Remember, banks and credit unions employ knowledgeable mortgage specialists who are happy to assist you in any way possible. If you have any mortgage questions, these specialists can respond to your queries. And as a result, you can gain the insights you need to get a mortgage that matches your finances.

3. Employ a Real Estate Agent

A real estate agent is a difference-maker, particularly for a homebuyer who wants to seamlessly navigate the property buying journey. With a real estate agent at your side, you can achieve the best-possible results, regardless of where and when you're searching for a home.

Typically, a real estate agent will meet with you, learn about your homebuying expectations and help you map out a property buying strategy. This housing market professional can offer expert insights into the local real estate market and ensure you can pursue houses that match your expectations. Plus, a real estate agent will set up home showings, help you submit an offer to purchase your dream house and negotiate with a seller's agent on your behalf. And if you ever have concerns during the homebuying journey, a real estate agent will address them immediately.

Ready to enjoy a positive homebuying experience? Use the aforementioned tips, and you can quickly and effortlessly navigate the homebuying journey.




Categories: Uncategorized  


Posted by Lauren Davis on 6/12/2019

Entering the housing market for the first time can be daunting, particularly for those who want to quickly and seamlessly buy a top-notch residence at an affordable price.

Lucky for you, we're here to help you streamline the process of navigating the homebuying process.

Now, let's take a look at three vital tips to help a first-time homebuyer acquire a residence that matches or exceeds his or her expectations.

1. Analyze the Housing Market

The housing market constantly changes, and as a result, differentiating between a buyer's market and a seller's market can be tough. Fortunately, a homebuyer who analyzes the real estate sector closely should have no trouble discovering a variety of outstanding houses at budget-friendly prices.

To assess the housing market, you'll first want to look at the prices of residences that are currently available. This will enable you to better understand the prices of homes in cities and towns where you'd like to live.

Next, you should analyze the prices of recently sold houses in your region. With this housing market data in hand, you can find out whether you're preparing to buy a home in a buyer's market or a seller's one.

2. Get Pre-Approved for a Mortgage

A first-time homebuyer may want to get pre-approved for a mortgage. That way, you can prepare a homebuying budget and narrow your home search accordingly.

To obtain a mortgage, you'll want to meet with several banks and credit unions. This will allow you to learn about all of the mortgage options at your disposal and make an informed mortgage decision.

Furthermore, don't forget to share your mortgage concerns and questions with potential lenders. This will enable you to choose a mortgage that won't force you to overspend to acquire your ideal house.

3. Collaborate with a Real Estate Agent

Let's face it – the homebuying journey can be long and arduous, particularly for a homebuyer who is exploring residences for the first time. But with a real estate agent at your side, you can remove the guesswork of going from homebuyer to homeowner.

A real estate agent is an expert of his or her craft, and as such, will do everything possible to help you achieve your homebuying goals.

Typically, a real estate agent will meet with you and learn about your homebuying expectations. This housing market professional also will set up home showings, keep you up to date about new residences that fall within your price range and negotiate with home sellers on your behalf.

Perhaps best of all, a real estate agent will help you alleviate stress throughout the homebuying cycle. A real estate agent understands the challenges of buying a house and will do whatever it takes to help you avoid or overcome potential homebuying hurdles.

Don't miss out on an opportunity to purchase your dream residence – use the aforementioned tips for first-time homebuyers, and you can boost your chances of acquiring a terrific house without breaking your budget.




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