Posted by Anthony Susi on 6/24/2019

If you’re a first-time buyer, odds are you’ve never seen or heard much about mortgage applications. However, for something as important as buying a home, it pays off to go into the process knowing what to expect.

Mortgage applications aren’t all that complicated in and of themselves. Most of the time, your chosen lender will walk you through the process and answer any questions that arise. However, complications do arise when it comes time to provide documentation on things like your income.

To make things easier for your first application, I’ve put together this list of frequently asked questions that first-time buyers often have about their mortgage application process.

Will applying for a mortgage hurt my credit score?

Mortgage lenders will run a credit inquiry to help determine your lending eligibility. There are two types of credit inquiries: hard and soft. A soft inquiry is a quick credit check that doesn’t affect your credit score. A hard inquiry, on the other hand, does. This means your score will be lowered slightly for a few months and then will bounce back.

Mortgage lenders run both types of inquiries. For quick, pre-qualifications, lenders typically run a soft inquiry. Then, as you progress through the approval process, they’re run a detailed credit report (hard inquiry).

What information should I have available?

Lenders will ask you for various documents. The most common things they will ask for include proof of income in the form of  W-2 forms from the previous year and your most recent pay stub. They will also require a record of your other debts, including student loans, auto loans, credit card debt, and any other outstanding debt that you owe. Finally, they will ask for an inventory of your assets. This could include investments, properties, auto titles, and more.

What if I don’t work a conventional job?

People who are self-employed or have unconventional income can still qualify for a loan and will still be required to show proof of income. Lenders may ask for Form 1099 records, tax returns, or any other record or proof of income you have available.

How long does it take to complete an application?

Mortgage applications can be completed as quickly as you gather the required documentation. However, there’s more to getting approved for a mortgage than filling out an application. There will be time needed to process the application, and underwrite your mortgage. This entire process typically takes between 30 and 45 days.

Is it safe to apply for a mortgage online?

Most lenders allow you to start the application process online and their online portals are typically secure. Make sure you check your browser window to ensure that the connection to the site is secured, and you should have nothing to worry about.

Keep in mind that most online applications are designed to get you  prequalified and on your way to getting a mortgage. So, if you want to avoid getting calls from the lender, you might not want to enter any data until you know you’re interested in borrowing at this time.





Categories: Uncategorized  


Posted by Anthony Susi on 6/17/2019

Floods are one of the most terrifying events to occur in any home, especially if it’s the result of a natural disaster. As expected, your priority should be the safety of your family, and while you make arrangements for their protection, you can do the following things before repairs start. 

1. The first step is to cut off the power supply

Be very careful before going in to grab items as flood water could carry an electrical current to electrocute you or even cause a fire, as well as bring bacteria and microbes into your home. Locate your circuit panel and shut off all power circuits, even if the power from the grid is off. Watch out for signs of potential danger, like a collapsed roof. If the home appears unsafe to enter, do not attempt to go inside.

2. Document Everything

Since you do not know how long it will take before the insurance process kicks in, you will need to start compiling documentation of everything. Pictures and videos are essential, as well as written reports about the condition of the home. If the house worsens after the initial damage let your records reflect it. The claims adjuster will carry out another investigation on getting to your property and the more information you offer, the better informed they can be during their assessment.

3. Begin the Repair Process

As soon as you can, drain the water from your home. If you have a sump pump, you can elect to do it yourself, or you could decide to hire an expert for the job. Take extra caution when paying for services if your claims adjuster is not done assessing the degree of the damage. It’s advisable that you keep receipts for whatever you purchase, no matter how unimportant you think it is. 

4. Be Patient and Cautious

If your region was declared a disaster area because of the flood, you might have to spend a long time before you get access to repair services. Protect yourself from repair scams by asking anyone who comes to your home to provide identification and confirmation that they are from your insurance company, as many conmen often use this con to defraud victims.

If you need special help and assistance from FEMA or other relief agencies, don't hesitate to reach out to them.




Categories: Uncategorized  


Posted by Anthony Susi on 6/10/2019

We’ve all seen the way landscaping and decorating trends can sweep through a neighborhood. Some are practical, like planting drought-resistant vegetation. Others are purely aesthetic choices.

In this article, we’re going to break down some of the latest trends in landscaping. Who knows, you might be inspired to get out and revamp your front or backyard with one of these ideas. Read on for some of the latest and greatest landscaping techniques for your home.

Landscaping you can eat

One trend that is making a comeback is growing herbs and vegetables. We’re not talking about a backyard garden in a chicken wire fence (although those are great, too!)--what we’re referring to is planting herbs and colorful lettuces right in your front yard. Well-placed plants look natural and can save you money at the grocery store at the same time. Just make sure they’re planted in soil appropriate for growing vegetables.

Similarly, many people are rediscovering the native fruit trees, bushes, and vines of their area. Adding these items to your yard will give you something sweet to eat and also a sense of pride in your region. So, find out which fruits and vegetables grow well in your area and find some to compliment your yard.

Drought resistance

We’ve all seen the headlines. Climate change is upon us, and water shortage is one of the chief long term concerns. To save water and keep the front yard looking manicured, many people are turning to vegetation that can resist long periods of time without water.

There are drought tolerant plants in almost every family of flora. From flowers to shrubs and even grass. However, many homeowners in areas warm areas prone to drought are opting out of grass completely in favor of stone pathways lined with hardy, yet beautiful, cacti.

Actually comfortable outdoor seating

The days of uncomfortable plastic and metal chairs are numbered. Waterproof outdoor seating has improved immensely in the last few years and a greater number of people taking advantage of it.

Another indoor comfort that is taking root outdoors is the use of varied lighting techniques and colors to create different moods, be it calm or whimsical.

Let it grow

Many homeowners, fed up with having to mow their lawn every weekend instead of spending it relaxing, are opting to let their grass grow out. Planting shade-giving trees, incorporating natural boulders, and creating stone walkways give a wild, but pleasant feeling reminiscent of an English garden.

Where there is grass, it is often left to grow to “meadow” length to complement the natural feeling of the rest of the yard. Planning out such a yard, however, takes time, or you could end up with a backyard that looks like it just hasn’t been taken care of.


What are your favorite backyard landscaping trends?




Tags: landscaping   home trends  
Categories: Uncategorized  


Posted by Anthony Susi on 6/4/2019

Opportunity Knocks!! Come check out this wonderful home just steps away from the Newton line. Features three bedrooms (3rd bedroom accessed from 2nd bedroom) eat in kitchen, formal dining room with built in hutch, good size living room, 2nd floor full bath, 3 season porch, nice & private backyard for entertaining, detached one car garage, full unfinished basement for lots of storage, newer heating system, updated electrical panel and so much more. Near public transportation, close to highway access, and only a quick 5 minute walk away from thriving Moody st restaurants. This is the home and location you have been looking for!! Priced to Sell!!

More Info on this Property | New Listing Alerts




Categories: Uncategorized  


Posted by Anthony Susi on 6/3/2019

Installing a hot tub can be a fun improvement to add and can be a great feature in your home. Just in case you’re not familiar with hot tubs, they are small pools or large tubs full of heated water used for relaxation, pleasure or even some therapy.

While some hot tubs are simple, some come with powerful jets used for massage purposes. At first, many people think hot tubs are just an expensive mini pool for the rich to relax but that's not true, hot tubs are affordable, and they can improve your health if installed in your home and regularly used.

Here are seven ways of soaking in a hot tub can boost your health

1. Give you a better sleep: Hot water provides relaxation which helps in sleeping. When you soak your tensed body in a tub of hot water, the heat aids in raising the body temperature and relaxes the muscles, therefore, making the body to sleep better. Taking a soak in warm water before bedtime will relax your body and make it easier to fall asleep.

2. Reduces stress: Reducing stress have a definite improvement in your health mentally and physically as well as promoting the feeling of general well-being. Lying in a hot tub of warm water will help you stimulate your body's natural endorphin thus reduces your stress level.

3. Improves circulation: soaking yourself in a hot tub will slightly increase your heart rate and body temperature, which in turn improves blood circulation.

4. Eases sore muscles: If you are an athlete or do any rigorous job, sure you will be suffering from sore muscles, muscle pulls now and then. Hot tubs can help erase that pain. The hot water will help re-energize your muscles so they'll be in good shape for the next day.

5. Reduces lower back pain: According to statistics, lower back pain is the second reason Americans visit the doctor. Regular session in your hot tub will help you relive the pain.

6. It helps in cleaning the body: The heat from the hot water open ups your pores and allow water to sink into the skin to clean out dirt and toxin from the skin and make your skin shiny and healthy.

7. It can relieve headaches: if you suffer from constant headaches, try soaking in a hot tub and see how the pressure in your head decreases to help relieve the pain.

Hot tubs come with a lot of health benefits. Installing one in your home will boost your home value when you intend to sell, and will definitely be a great place to relax and unwind.




Categories: Uncategorized