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Posted by Bilazarian Group on 6/21/2018

Dotting the I's and crossing the T's on a home loan application may seem like a daunting task, regardless of whether you're a first-time or experienced homebuyer. However, those who know what to expect when they fill out a home loan application may be better equipped than others to obtain a home loan that matches or exceeds their expectations.

When it comes time to fill out a home loan application, you'll need to provide a variety of information, including:

1. Personal Information

Allocate the necessary time and resources to provide as much personal information as possible on your home loan application. That way, you can make it easy for a lender to create a file for all of your home loan information.

Typically, your lender will ask for your Social Security number, date of birth, current housing information and school information. Provide accurate personal information at all times, and if you're uncertain about how to answer certain questions, consult with a home loan expert for additional support.

2. Employment Information

Where have you worked, and how much have you earned while you've worked for various companies in the past? As you complete your home loan application, you'll need to provide employment information to verify your current and past employment and income.

Usually, a lender will want you to provide the names, addresses and telephone numbers for any employers over the past two years. This will allow a lender to verify employment as part of the home loan application process.

You also will need to offer copies of your two most recent pay stubs to a lender. This will enable the lender to confirm your current income.

Lastly, if you are self-employed, you likely will need to provide a lender with a profit and loss statement for the past two years.

3. Financial Information

Tax forms, bank account information and asset details are some of the key parts of the financial information section of a home loan application.

Ultimately, the financial information section helps a lender verify if you have any outstanding credit lines, rental property and much more. This information will help a lender make an informed decision about your loan application and determine how much you are eligible to receive toward the purchase of a new house.

If you ever have questions at any stage of the home loan application process, don't hesitate to reach out to a home loan expert for help. This professional will be able to offer comprehensive insights to help you complete a timely, accurate home loan application.

In addition, your real estate agent may be able to put you in touch with various lenders in your area. With this housing market professional at your side, you can learn about different lenders and find one that can help you get the right home loan.

Finalizing a home loan application may seem like an uphill struggle. But if you act as a diligent homebuyer, you should have no trouble reviewing all sections of a home loan application. And as a result, you can provide a lender with relevant information and boost your chances of getting the perfect home loan.




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Posted by Bilazarian Group on 6/16/2018

Bay Path Drive, desirable neighborhood! Warm and pleasant reproduction colonial with charming rustic features including: 4 fireplaces, 3-1/2 baths, pine floors throughout and beams to accent. Flexible floor plan. A cozy den with a floor to ceiling brick fireplace. Exceptional great room with full bath and built-in bookcases. Second floor Master with private bath and fireplace. 3 additional bedrooms and full bath also on second level. Title V passed for 4 bedrooms. Lower level, high ceilings, sliders open to large patio area and private, level back yard. Enjoy the benefits of living in this peaceful community with area attractions such as Tower Hill Botanic Gardens, Cyprian Keys and Haven Country clubs for your golfing enjoyment, and scenic trails at Wachusett Reservoir. This home, sited on an acre-plus lot, is a hidden gem with exceptional access to major routes and Worcester Center.

More Info on this Property | New Listing Alerts





Posted by Bilazarian Group on 6/14/2018

Refinancing your home can have many benefits. First, youíll be able to take out money to address immediate needs in your home like improvement projects. These things can only benefit your homeís value in the long term. Before you take the leap to refinance your home, you should be sure that youíre actually ready to take this step. Knowing what youíre in for allows the entire process to go more smoothly. Read on for tip to understand more about the refinancing process and what youíll need.


Know Your Finances


Just like when you initially purchase a home, refinancing your home will require you to have your finances in order. Take a look at your budget and needs and determine if it makes sense for you to refinance your home. For example, your employment status or distance from life goals like retirement could have a factor on the term of the loan youíre willing to take out. A 15-year mortgage may make more sense than a 30-year mortgage, but your monthly payments will also be a bit higher. You need to take all of this into consideration before you refinance. 


Your credit score will also be a factor in refinancing your home just as it was when you initially bought your house. Check your score and see if any red flags pop up. Getting these corrected earlier rather than later can help you to get a better rate on the loan. There are plenty of free services that exist online that allow you to check your credit score.   


Know The Value Of Your Home


If you know the value of your home and understand how much equity youíve built up in the house, it will give you a better idea of your refinancing options. You canít get more than 70% of what your home is currently worth as a cash-out refinance. If you owe more than your home is worth, you might be in a tighter financial situation than you realize. You can do plenty of things to increase the value of your home; it will just take some time. You may even consider selling your house, making a move, and starting from scratch. Financially, this could be the best option, and you could also end up with a better interest rate.


Getting your finances in order and the simple act of preparing for a home refinance could give you some insight into your financial picture after being a homeowner for some time.


Stay out of debt. Donít open new accounts. Pay down any debt you may have. That is the standard advice for people who are trying to get in good financial standing before buying a home or refinancing a home. 


Do some research and find the best home loan refinance rates around. Then, look into your own finances and decide whatís best for you regarding refinancing your home loan.      





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Posted by Bilazarian Group on 6/7/2018

After you accept an offer on your house, what happens next? Ultimately, there are several steps that will need to be completed to finalize a home sale, including:

1. Completing a Home Inspection

A home inspection may be completed only a few days after you accept a homebuyer's offer. This evaluation enables a homebuyer to conduct a thorough examination of all aspects of your home, and if necessary, rescind or renegotiate a proposal.

For home sellers, it is paramount to maintain a direct, upfront approach with homebuyers. If you are honest with homebuyers from the get-go, you may be able to avoid problems when it comes time to complete a home inspection.

With an experienced real estate agent at your disposal, you should have no trouble establishing realistic expectations for your home. Plus, your real estate agent will offer recommendations for home repairs and upgrades, ensuring that you can complete the necessary home improvement tasks before you add your residence to the real estate market.

2. Performing Home Repairs and Upgrades

If a homebuyer discovers major problems with your house during a home inspection, he or she may request home repairs or upgrades. In this scenario, you may be required to perform various home improvement tasks to finalize an agreement.

Home improvement tasks can be expensive and time-consuming, but they sometimes are necessary to ensure that you can reach the finish line of the home selling process. If you ever have concerns or questions about home repairs and upgrades, your real estate agent should be able to respond to your queries at any time.

Furthermore, if you feel like a homebuyer's home repair and upgrade requests are unwarranted, you can always decline these requests. If you choose this option, however, the homebuyer could rescind his or her offer on your home, and you may need to restart the home selling process from stage one.

On the other hand, you can always try to negotiate with a homebuyer. For example, if you offer to lower the price of your house after an inspection, you may be able to speed up the home selling cycle and avoid making a significant time investment to perform property repairs and upgrades.

3. Packing Up Your Belongings

After a homebuyer finishes an inspection and agrees to purchase your home in its current condition, you'll be able to set up a closing date. You'll also need to consider where you'll go next and plan accordingly.

Packing up your belongings is essential, and you may want to put various items in storage if you plan to live in temporary housing in the foreseeable future. In addition, you'll want to set up plans to get all of your belongings out of your residence before the closing date to ensure that the homebuyer can move into the house on schedule.

Selling a home may seem tricky, especially for those who are uncertain about how to navigate the home selling process. Luckily, your real estate agent is happy to support you in any way possible. As a result, you can work with your real estate agent and guarantee that the home selling process is completed quickly and effortlessly.




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Posted by Bilazarian Group on 5/31/2018

Selling your home can be an exciting time because it usually represents a positive change in your life. Chances are, putting your house on the market means you're moving up in your career, expanding your family, or even retiring.

Regardless of the reason you're selling your home, one thing's for certain: You'll want the process to go as smoothly as possible!

The first step to making that happen involves choosing a real estate agent who's experienced, easy to work with, familiar with your neighborhood, and ready to help you navigate the many twists and turns of selling your home. If this is the first time you've sold a home -- or if you haven't done it in a decade or more -- you'll need lots of advice on everything from pricing your home correctly to enhancing its appearance and making the best possible impression on potential buyers.

Since you usually don't get a second opportunity to make a great first impression, there are two crucial concepts to remember that can make or break your chances of selling your house at the best price and in a relatively short period of time.

Curb Appeal: One of your top objectives in listing your house is to attract as many qualified buyers as you can. The first hurdle you'll need to clear is making your property look inviting from the outside.

Whether you're selling real estate or consumer products, attractive packaging is what catches people's attention and draws them in. The outside appearance of your home and yard is the first thing that triggers either interest or disinterest among prospective buyers. House hunters often make a snap decision in a matter of seconds about whether to pursue a real estate listing, and that decision is typically based on factors like the condition of your lawn, the neatness of your shrubbery, and the appearance of the exterior off your house.

Basic ways to enhance your home's curb appeal would include applying a fresh coat of paint, maintaining a manicured lawn, and -- if the season allows -- placing colorful potted or hanging flowers on your porch or near your front door. Good curb appeal advice would vary, depending on the style, size, layout, and condition of your property, so the best place to turn for customized curb appeal ideas would be your real estate agent.

Home Staging: Most people are familiar with the concept of home staging, but don't necessarily know how to go about it in the most effective way. Part of the problem stems from the fact that homeowners can't objectively look at their own home and see what needs to be improved or changed. Outside opinions, such as those from a professional home stager, Realtor, or home decorator, can be extremely helpful. If you happen to have a friend or relative with a flair for home organizing or decorating, they may be willing to provide you with some productive suggestions, too!