Granite Group Realtors



Posted by Granite Group Realtors on 5/20/2018

If you have seen your latest credit score and feel like youíre less than financially fit, donít fret. Thereís plenty of reasons why people end up with bad credit. Thereís also plenty of things that you can do to amend and work with your bad credit. 


The Factors


Mortgage lenders look at a variety of factors when it comes to your credit and determining if youíre ready for a home loan. These include:


  • Age of credit
  • Payment history
  • Amount of credit debt


If you have opened new accounts frequently or ran up credit card balances without paying them down, these behaviors could negatively affect your credit score. 


Changing Your Habits


Just changing one of these bad habits can help your credit score in a positive way. This also means that a bad credit score doesnít equal not being able to get a home loan. Your home loan may just come at a higher price. 


What If Youíre Turned Down For A Loan?


You can ask your lender why youíre unable to get a loan. Some possible reasons that youíre getting rejected:


  • Missed credit card payments
  • Failure to pay a loan
  • Bankruptcy
  • Overdue taxes
  • Seeking a loan outside of what you can afford
  • Legal judgements
  • Collection agencies


If you have defaulted on a loan, missed payments or filed for bankruptcy, chances are that youíll have trouble securing a home loan. Other factors that can affect your credit score include negative legal judgements that have affected your credit, or having a collection agency after you. 


How To Fix It


If you have bad credit, itís not the end of the world. Itís possible that lenders can give you a loan if your credit score isnít too low. You could, however, face higher interest rates as a penalty for a low credit score. This is due to the fact that youíre more likely to default on a loan based on your risk factors. 


You can improve your credit score by:


Keeping existing accounts open

Refraining from opening new accounts

Trying not to approach too many lenders to find the right interest rate. Every time you get a credit check, it affects your score. 


Finding A Loan


Signs of bad credit can take awhile to disappear from your credit report. Sometimes, you have the opportunity to explain to lenders what these factors are in detail so you can secure the loan. There are even mortgage companies that assist you through the loan process to give you a boost in getting the loan.


FHA Loans


FHA loans are a great program option especially for people with bad credit. These loans offer low down payment options and have lower credit score standards. FHA loans have been helping people to secure their first homes since 1934.


If you have bad credit, the dream of home ownership is still possible. If youíre early in the process, get to work and keep that credit score up so that when you head out to apply for a loan, youíll be able to secure it.         




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Posted by Granite Group Realtors on 5/13/2018

If you donít have a dedicated playroom space in your home, you may feel as though toys and children have taken over. Toys, games, stuffed animals, coloring books, and crayons may be all over the house if children donít have their own space to play. 


It doesnít have to be this way. There are a few options that you can use to let your kids have their space, and the adults have theirs. You donít need to move just to find a home that has an area for kids to play. Read on for some ideas to help you stay stylish yet kid-friendly in your home.    


Versatile Furniture


Buying furniture that has a couple of purposes can be handy when you have kids. A coffee table with storage drawers can turn into a great place to store board games. An ottoman that has a storage component built in is a fantastic place to fantastic place to keep stuffed animals or action figures. When you have kids, finding ways to keep your style but allow children to play freely can be done easily with these types of furniture.   


Turn An Ordinary Shed Into A Magical Place


No matter what part of the country you live in, you can buy a small outdoor storage shed and turn it into a playroom. You can install portable heaters or fans in the shed for comfort. This space can become your childís playroom detached from the house with all the comforts of home. You might even consider a treehouse, but that may afford slightly less storage or possibilities than a storage shed.    


Use The Corner Of A Room


Kids donít have to take up the whole of a room. Consider giving little ones a corner of a room dedicated to their stuff. A small chair with a bookshelf and a few baskets of toys is all they need for a play space without fuss. Depending on the size of the room, you can even put a toy chest there for the playroom effect without the space.   


Use Baskets


Baskets are the next best things to furniture that has hidden storage. Baskets look pretty, and the contents are colorful, fun toys. Thereís not too much wrong with this solution! You can even give the dog a basket for his toys.   


Find Ways To Incorporate Kids Into The Rooms Of Your Home


You can get creative when it comes to living with children. Chalkboard walls. Tiny furniture and more items are available to make your kids comfortable yet creative and keep your home stylish. Consider a chalkboard wall that allows kids to change their artwork on the daily.

With a little creativity, your kids can feel at home without a playroom and without taking over the whole house.  




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Posted by Granite Group Realtors on 5/6/2018

The real estate market can be tough to navigate, especially if you want to obtain the best price for your house. Fortunately, we're here to help you analyze the housing sector and make informed decisions as you sell your residence.

Now, let's take a look at three tips to help you review the real estate market before you list your home.

1. Assess Housing Market Data

Learn about the prices of available houses in your city or town that are similar to your own residence. That way, you can establish a price range for your house.

Furthermore, it often is beneficial to check out the prices of recently sold residences in your area. This real estate market data will enable you to see how quickly houses are available before they sell. As such, this information may help you differentiate a buyer's market from a seller's market.

2. Conduct a House Inspection

A home inspection generally is reserved for buyers who request an inspection after a property seller accepts an offer to purchase. However, taking a proactive approach to a home inspection may go a long way toward helping you distinguish your residence from others in a competitive housing market.

During a home inspection, a property expert will examine your residence both inside and outside. This property expert then will offer an inspection report that details his or her findings. And once you have this report, you can prioritize home repairs.

Ultimately, a home inspection may help you take an objective view of your residence. After you conduct an inspection, you can complete home repairs that may help you boost your house's value as well.

3. Consult with a Real Estate Agent

If you are struggling to understand how the housing market works, there is no need to worry. In fact, you can collaborate with a real estate agent and receive housing market insights that you may struggle to obtain elsewhere.

Typically, a real estate agent will meet with you and help you map out a home selling strategy. This plan will account for the age and condition of your home, your home selling goals and the current state of the real estate market. As a result, your home selling strategy will enable you to achieve the optimal results at each stage of the home selling journey.

Let's not forget about the assistance that a real estate agent will provide as you navigate the home selling journey, either. A real estate agent will set up home showings and open house events to promote your residence to prospective buyers. Also, if you receive an offer to purchase your residence, a real estate agent will help you review this proposal and determine the best course of action.

Perform a deep analysis of the housing market before you list your residence Ė you'll be happy you did. By reviewing the real estate sector, you can find unique ways to ensure your house stands out to potential buyers and accelerate the home selling journey.




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Posted by Granite Group Realtors on 5/5/2018

Rare 3 bedroom offering at Mellen Bray. This 1,336 s.f.unit is one of the largest in this popular complex. Flexible open floor plan offers 2/3 bedrooms, dining room or home office. Master suite with roomy full bath. Polished hardwood flooring and good closet space. New appliances,HVAC system & LG washer/dryer add to the value. Mellen Bray is professionally managed complex just a 3 minute walk to the - soon to be beautiful - Wollaston T station. Deeded covered space #59 an ample guest parking. Located on a side street in the sweet spot of Wollaston. Plenty of shops, restaurants,supermarket & gym nearby. Quick access to highway an a 1mile jog,walk or bike ride to beautiful 3 mile shoreline. A wonderful place to call home!

More Info on this Property | New Listing Alerts




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Posted by Granite Group Realtors on 5/3/2018

This Antique Colonial sits proudly overlooking Canton Ave. close to Town Hall. 11 rooms with 3000+ s.f. of living space on 3 levels. You will need to roll up your sleeves to put your name on this long term family home. Generous lot with large 2 level Barn. Bring you contractor to see what you can do to make this home fit your needs.

More Info on this Property | New Listing Alerts




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