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Real Estate Listings from CENTURY 21 Access Properties
CENTURY 21 Access Properties makes finding the home of your dreams a less daunting task. We have a long-standing
track record or professionalism and thousands of satisfied customers. We offer free real estate listings with a
focus on the following Massachusetts towns: Abington, Attleboro, Avon, Boston, Braintree, Brockton, Canton, Dedham, Easton, Foxboro, Franklin, Holbrook, Hyde Park, Jamaica Plain, Mansfield, Milton, North Attleboro, Norton, Norwood, Quincy, Randolph, Raynham, Roslindale, Sharon, Stoughton, Taunton, Walpole, West Bridgewater, West Roxbury, Westwood, and Wrentham.
Tips to Help You Buy Real Estate
Before you buy real estate, you’ll want to do some preliminary planning. If you do the following in advance of
browsing the real estate listings, the entire process will be more manageable and less overwhelming:
Check your credit rating
Even if you're sure you have excellent credit, it's wise to double-check at the outset. Straightening out any
errors or disputed items now will avoid troublesome holdups down the road when you're waiting for mortgage approval.
You may see disputed items, in addition to errors caused by a faulty social security number, a name similar to
yours, or a court ordered judgment paid off that hasn't been cleared from the public records. If such items appear,
write a letter to the appropriate credit bureau. Credit bureaus are required to help you straighten things out in a
reasonable time (usually 30 days).
- TIP: Make sure that any outdated derogatory entries are deleted from your credit file. Adverse credit information
is not supposed to be reported or included on your credit report after seven years (except bankruptcy information,
which can be reported up to 10 years).
- TIP: Officially cancel inactive credit cards. If you have an inactive credit card with a $5,000 limit, even
though you owe nothing on it, some mortgage lenders will consider that a potential future debt. Too many inactive
credit cards with significant credit limits could keep you from obtaining a mortgage loan. Don't just cut up your
extra cards; officially cancel them, and do it now so there will be time for the newsto reach the credit bureaus.
- TIP: Hold off on making any major credit card or car purchases while you're waiting to apply for a mortgage.
Monthly payments you're obligated to pay will be counted against you, and reduce the amount of the mortgage loan
you'll be offered. Even if you've been pre-approved for a mortgage, that approval is subject to last-minute
evaluation of your financial situation, and a spending spree for appliances, urniture and other goodies intended
for your new home may wreck your chances for buying it.
Pre-qualification and pre-approval on a mortgage
A real estate professional can help "pre-qualify" you for a mortgage before you start house-hunting. This process
includes analyzing your income, assets and present debt to estimate what you may be able to afford on a house
purchase. Mortgage brokers, or a lender's own mortgage counselors can also calculate the same sort of informal
estimate for you.
Obtaining mortgage "pre-approval" is another thing entirely. It means that you have in hand a lender's written
commitment to put together a loan for you (subject only to the particular house you want to buy passing the
lender's appraisal).
Pre-approval makes you a strong buyer, welcomed by sellers. With most other purchasers, sellers must tie the
house up on a contract while waiting to see if the would-be buyer can really obtain financing.
The down side is that you must pay application fees to cover the lender's paperwork in verifying your employment,
income, assets, debts and credit rating. If you later decide not to use that particular lender, you'd have to
start all over again elsewhere - with no rebate.
Pre-approval will also speed up the entire mortgage procedure once you've found the house you want. The only
remaining question will be whether the house will "appraise" for enough to warrant the loan.
Become an educated buyer:
- The Web is one of the best ways to search for homes today. With this website, you can receive daily emails
with new and updated listings from the towns and price range of your choice.
- Search the entire MLS for all homes, condos, land, multi family, commercial properties, and past solds at
your convenience.
- View full listing sheets showing amenities, taxes, lot sizes, beds, baths, rooms, siding, fireplaces,
garages, room sizes and much more.
- Get property address and see where the properties are located on MapQuest.
- Check schools and community profiles of your preferred towns.
- Save preferred listings in your own file to view anytime.
- Calculate approximate mortgage payments for specific properties.
- Click here to sign up now
CENTURY 21 Access Can Help
If you’re looking to buy real estate, CENTURY 21 Access Properties can help. In addition to our free real estate
listings, we have a team of award-winning real estate agents to help you find the right home for you and your
family. We’ll make the process a pleasant experience, and we’ll provide you with competent, friendly service.
Browse through our free real estate listings.
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