Olivares & Molina Team
Coco, Early & Associates The Olivares, Molina & Alperin Division | 978-360-3441 | homes@olivaresandmolinateam.com


Posted by Olivares & Molina Team on 9/20/2017

Ready to submit a home loan application? Ultimately, there are many factors to consider before you finalize your submission, and these include:

1. Your Outstanding Debt

If you have outstanding student loan, car or other debt, you should try to pay it off as quickly as possible. By doing so, you can boost your chances of securing a home loan that matches or exceeds your expectations.

Take a look at your outstanding debt and make a plan to pay down your bills. With a plan in place, you may be able to reduce or eliminate outstanding debt before you complete your home loan application.

2. Your Credit Score

A strong credit score will help a homebuyer get a terrific home loan. Conversely, an inferior credit score is unlikely to do you any favors after you submit a home loan application.

Learn about your credit score before you finalize your home loan application. Then, you can allocate the necessary time and resources to boost your credit score or correct any errors on your credit report.

You are eligible for one free copy of your credit report from each of the three major credit reporting bureaus (Equifax, Experian and TransUnion). Request a copy of your credit report, and you can understand where your credit score currently stands.

Also, if you find any errors on your credit report, contact the credit reporting bureau that provided the report immediately. This will allow you to correct any credit report mistakes and reduce the risk that these errors could impact your ability to secure a home loan.

3. Your Savings

It never hurts to save money, especially if you'd like to purchase a home in the near future. If you start saving today, you may be better equipped than other homebuyers to have the necessary finances in place for a down payment on a house.

In most instances, lenders will require you to have at least a small portion of the purchase price of a home available for a down payment. If you have thousands of dollars available for a down payment, you may be able to boost your chances of getting a "Yes" from a lender after you submit your home loan application.

Getting a home loan may seem like a long, arduous process. Fortunately, many lenders are available to help you secure a great home loan.

Meet with several lenders as you explore all of your home loan options. That way, you can learn about a broad array of home loan options and choose a home loan that matches your finances perfectly.

After you secure a home loan, you'll be able to move one step closer to securing your dream residence. Of course, if you need assistance during the homebuying journey, it never hurts to reach out to a real estate agent as well.

A real estate agent will do everything possible to help you acquire a top-notch residence at an affordable price. Thus, if you employ a real estate agent, you may be able to enjoy a fast, seamless homebuying experience.




Tags: Buying a Home   loans  
Categories: Uncategorized  


Posted by Olivares & Molina Team on 9/19/2017


24 Newport St, Methuen, MA 01844

Single-Family

$329,900
Price

7
Rooms
3
Beds
1
Baths
How Fast Can You Move In? You'll love this charming, spacious, well cared for home within close distance to several shopping plazas and commuter access to Interstate 93. Enjoy your moments and create lasting memories in the generously-sized living room graced with a formal dining room which leads you to the bright and inviting eat in kitchen. Movie nights, home office and or playroom options for the first floor bonus room that offers access to backyard. This home encompasses 3 spacious bedrooms in the second level with a master bedroom offering his and her closets. Ample additional storage in the lower level. Ready to relax? This impressive backyard offers plenty of room for those grand gatherings and includes a fantastic in ground pool perfect for those HOT summer days to take a dip in! 2 car garage for your vehicle storage and plenty of off street parking! Don't hesitate Call NOW to be the first in line for this awesome home!
Open House
Sunday
September 24 at 11:00 AM to 1:00 PM
Join us for the Open house of this Charming home!
Cannot make the Open Houses?
Location: 24 Newport St, Methuen, MA 01844    Get Directions

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Categories: Open House  


Posted by Olivares & Molina Team on 9/19/2017


21 Vernon St, Lowell, MA 01850

Single-Family

$299,900
Price

8
Rooms
3
Beds
1/1
Full/Half Baths
Living is easy in this impressive, generously spacious residence atop of Christian Hill! Home greets you with views of Mt.Vernon park along with the beautiful stone/brick stairway entrance with a well maintained mature landscaped front entrance and a backyard which features an oversized wood deck for outdoor fun! As you walk through the enclosed sitting area you are received with original woodwork, hardwood floors and french doors throughout. You will enjoy gatherings in the generously-sized living room graced by a fireplace and your formal dining room which leads you to the eat in kitchen offering granite counters, tiled back splash and a quaint breakfast nook. This home encompasses 3 spacious bedrooms in the second level with a master bedroom offering his and her closets and a bonus room in the 3rd level that currently offers a home office and exercise area. Ample additional storage in the lower level with laundry area and a young heating unit. Truly a well cared home! Call today!
Open House
Sunday
September 24 at 11:00 AM to 1:00 PM
Join us for the Open house of this impressive home!!!
Cannot make the Open Houses?
Location: 21 Vernon St, Lowell, MA 01850    Get Directions

Similar Properties





Categories: Open House  


Posted by Olivares & Molina Team on 9/19/2017


24 Newport St, Methuen, MA 01844

Single-Family

$329,900
Price

7
Rooms
3
Beds
1
Baths
How Fast Can You Move In? You'll love this charming, spacious, well cared for home within close distance to several shopping plazas and commuter access to Interstate 93. Enjoy your moments and create lasting memories in the generously-sized living room graced with a formal dining room which leads you to the bright and inviting eat in kitchen. Movie nights, home office and or playroom options for the first floor bonus room that offers access to backyard. This home encompasses 3 spacious bedrooms in the second level with a master bedroom offering his and her closets. Ample additional storage in the lower level. Ready to relax? This impressive backyard offers plenty of room for those grand gatherings and includes a fantastic in ground pool perfect for those HOT summer days to take a dip in! 2 car garage for your vehicle storage and plenty of off street parking! Don't hesitate Call NOW to be the first in line for this awesome home!
Open House
Sunday
September 24 at 11:00 AM to 1:00 PM
Join us for the Open house of this Charming home!
Cannot make the Open Houses?
Location: 24 Newport St, Methuen, MA 01844    Get Directions

Similar Properties





Categories: New Homes  


Posted by Olivares & Molina Team on 9/19/2017


21 Vernon St, Lowell, MA 01850

Single-Family

$299,900
Price

8
Rooms
3
Beds
1/1
Full/Half Baths
Living is easy in this impressive, generously spacious residence atop of Christian Hill! Home greets you with views of Mt.Vernon park along with the beautiful stone/brick stairway entrance with a well maintained mature landscaped front entrance and a backyard which features an oversized wood deck for outdoor fun! As you walk through the enclosed sitting area you are received with original woodwork, hardwood floors and french doors throughout. You will enjoy gatherings in the generously-sized living room graced by a fireplace and your formal dining room which leads you to the eat in kitchen offering granite counters, tiled back splash and a quaint breakfast nook. This home encompasses 3 spacious bedrooms in the second level with a master bedroom offering his and her closets and a bonus room in the 3rd level that currently offers a home office and exercise area. Ample additional storage in the lower level with laundry area and a young heating unit. Truly a well cared home! Call today!
Open House
Sunday
September 24 at 11:00 AM to 1:00 PM
Join us for the Open house of this impressive home!!!
Cannot make the Open Houses?
Location: 21 Vernon St, Lowell, MA 01850    Get Directions

Similar Properties





Categories: New Homes