Tracey Fiorelli - Janice Mitchell Real Estate


Welcome to this stunning home in a neighborhood setting. Offering 9’ ceilings with hardwood floor in formal sitting room, office with french doors and built ins, formal dining accented with wainscoting detail , Dine in kitchen with center island cherry cabinets, granite counters & stainless steel appliances . Open to family room with cathedral ceilings , FP , and built in entertainment center . 2nd floor with 3 spacious bedrooms, plus true master suite with custom built California closets , private bath with soaking tub and separate shower. Lower level is finished with 3 additional rooms plus 1/2 bath French doors lead to furnished cobblestone patio, spacious deck and wooded back yard creating a tranquil setting. Additional highlights incl: GAS heat, central air , generator connections plus generator with easy access for commuting . Beautifully maintained and ready for new owners

More Info on this Property | New Listing Alerts


43 SUMMER LANE, Holden, MA 01520

Single-Family

$524,000
Price

12
Rooms
4
Beds
2/2
Full/Half Baths
Welcome to this stunning home in a neighborhood setting. Offering 9' ceilings with hardwood floor in formal sitting room, office with french doors and built ins, formal dining accented with wainscoting detail , Dine in kitchen with center island cherry cabinets, granite counters & stainless steel appliances . Open to family room with cathedral ceilings , FP , and built in entertainment center . 2nd floor with 3 spacious bedrooms, plus true master suite with custom built California closets , private bath with soaking tub and separate shower. Lower level is finished with 3 additional rooms plus 1/2 bath French doors lead to furnished cobblestone patio, spacious deck and wooded back yard creating a tranquil setting. Additional highlights incl: GAS heat, central air , generator connections plus generator with easy access for commuting . Beautifully maintained and ready for new owners
Open House
No scheduled Open Houses

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176 MAPLE AVE, Rutland, MA 01543

Condo

$72,500
Price

4
Rooms
1
Beds
1
Baths
Immediate occupancy for this freshly painted condo! Featuring galley style kitchen , new laminate tile flooring ,combination living room dining room area with built in bookcase new wall to wall carpet, freshly painted interior Nice size bedroom with spacious closet plus slider to balcony . Complex offers deeded parking , inground pool , tennis courts, basketball area ,playground and picnic area. Close to town center , restaurants, and town park
Open House
No scheduled Open Houses

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While buying a home is a huge decision that should entail a lot of planning and preparation, applying for a mortgage can be surprisingly easy. Just like with other lenders and creditors, a mortgage lender will want to know that letting you borrow money will be a safe investment. Applying for a mortgage is all about ensuring just that.

In today’s post, we’re going to breakdown the home loan application process to help you have the best chances at a smooth and successful mortgage approval. We’ll also define some of the common terms used in mortgages that might leave you scratching your head so you have a better idea of what your options are.

Prequalification and Preapproval

Getting prequalified and preapproved for a mortgaged can both be helpful steps toward securing your home loan. The two terms mean two entirely different things, however.

In order to be prequalified for a mortgage, you typically need to only fill out a simple form (sometimes directly through a lender’s website). On this form, you won’t need to provide specifics or official documents.

Why is this process so simple? Well, that’s because getting prequalified for a loan doesn’t ensure that you’ll actually receive one. Rather, it is simply the first step toward finding out what type of mortgage and interest rates you could receive.

The next step after prequalification is preapproval. To get preapproved, you’ll have to fill out an official mortgage application. Your lender of choice will request a few pieces of information from you, including tax returns, proof of employment for the last two years, and a list of your debts. The lender will also perform a credit check to determine your loan eligibility.

Credit report

At this phase, lenders will also run your credit report. This is a type of “hard credit inquiry” that details your payment history, the number of accounts you have open, and other factors that help make up your credit score.

To secure the lowest interest rate possible, it helps to have a high credit score. So, in the years and months leading up to your mortgage application, focusing on building credit will pay off.

To increase your credit score, you’ll need to focus on paying your bills on time each month. You should also avoid opening new accounts within a few months of applying for a mortgage because this will count as a new credit inquiry. New credit inquiries--including applying for a mortgage--lower your score temporarily, so it’s best to avoid them when possible.

Additional paperwork required for mortgage applications

Not every mortgage application will be the same. Depending on the type of income you receive, you may need to provide different forms of income verification.

Each person will also have to claim different debts and assets. When buying a home with a spouse or partner, it’s important to consider your debts, assets, and credit scores to determine if it’s better to apply jointly or separately.


This Condo in Holden, MA recently sold for $169,900. This Townhouse style home was sold by Tracey Fiorelli - Janice Mitchell Real Estate, Inc.


10 Nichols Street, Holden, MA 10522

Jefferson

Condo

$169,900
Price
$169,900
Sale Price

4
Rooms
2
Beds
1/1
Full/Half Baths
This cozy 2 bed, 1.5 bath townhouse is conveniently located in Quinapoxet Village in the Jefferson area of Holden: Just minutes away from 190. The kitchen/dining area has plenty cabinets and a large pantry. There's a slider which leads to the small deck and rear yard area. The living room has a large window and open staircase leading to the second floor which boasts 2 large bedrooms, both having double closets and a full bath with closet. The full basement offers great potential for additional space and a start has been made with a drop ceiling. The unit has the benefit of 1 deeded parking space, with additional guest parking. New carpets and fresh paint will make this cute home shine again. Great starter home or for someone downsizing! Affordable living in Holden with a quick closing possible!