Upper Cape Realty

Posted by Upper Cape Realty on 6/15/2018

One of a very few house lots remaining in Sagamore Beach. This beautifully designed home ticks all the boxes, first floor master with luxury shower, kitchen with full pantry, first floor laundry, fireplace, red quarter oak floors, two car garage,natural gas heat, central air, continuous hot water, lawn irrigation system, manageable yard with adjoining dedicated open space all within a half mile of Cape Cod Bay with no Bridge to cross. Purchase pre-construction and select the finishes to make this thoughtfully designed home truly your own. Favorable Bourne Tax rates, & trash pick up.

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Posted by Upper Cape Realty on 6/15/2018

Open house Sunday 6/17, 11-1. This END UNIT townhouse is sure to please! Nice open floor plan with 2 spacious bedrooms and 2.5 baths! Huge kitchen/living room combo is great for entertaining. Finished basement w/full bath offers even more living space! This bright home has been freshly painted, new tiled floors and brand new carpets! Central a/c is perfect for those hot summer days! Affordable gas heat. This is a very low maintenance home! Big private deck and pets allowed! This home has low condo fees of just $250/month! 2 assigned parking spots per home and plenty of guest parking available. Great location being close to shopping, restaurants, fabulous beaches, charming Onset Village, golf courses, bridges, Cape Cod Canal and highways. Walking distance to Perry's ice cream shop. Just 1 hour to Boston or RI and minutes to 495! A commuters dream! If you are looking for an affordable, great place to hang your hat with nothing to do, you don't want to let this opportunity pass you by!

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Posted by Upper Cape Realty on 6/15/2018

1900 Square Foot Colonial,built in 1930 with the covered porch is waiting for you to make it your own, home has 4 bedrooms 1 bath a den/study, updated (eat in) kitchen and stove, walk in pantry off kitchen, formal dining room or home office if you choose,and the size of this yard in Brockton is rare and has unlimited potential for gardening a pool or just to relax and enjoy the wooded back lot, home is located near Bridgewater / Abington lines, this home has the space and potential to make it your dream home, new roof and maintenance free siding and deck located near hospital commuter transit and shopping, no showings until open house Saturday June 16 11-2 pm

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Posted by Upper Cape Realty on 6/13/2018

If you’re a first-time homebuyer, odds are you’ve thrown the words “prequalified” and “preapproved” interchangeably. However, when it comes to home loans, there are some very important differences between the two.

For buyers hoping to purchase a home with a few missteps and misunderstandings as possible, it’s vital to understand the procedures involved in acquiring financing for a home.

Today, we’ll break down these two real estate jargon terms so that you can go into the mortgage approval process armed with the knowledge to help you succeed in securing a home loan.

Mortgage prequalification

Let’s start with the easy part--mortgage prequalification. Getting prequalified helps borrowers find out what kind and what size mortgage they can likely secure financing for. It also helps lenders establish a relationship with potential customers, which is why you will often see so many ads for mortgage prequalification around the web.

Prequalification is a relatively simple process. You’ll be asked to provide an overview of your finances, which your lender will plug into a formula and then report back to you whether or not you’re likely to get approved based on your current circumstances.

The lender will ask you for general information about your income, assets, debt, and credit. You won’t need to provide exact documents for these things at this phase in the process, since you have not yet technically applied for a mortgage.

Prequalification exists to give you a broad picture of what you can expect. You can use this information to plan for the future, or you can seek out other lenders for a second opinion. But, before you start shopping for homes, you’ll want to make sure you’re preapproved, not prequalified.

Mortgage preapproval

After you’ve prequalified, you can start thinking about preapproval. If you’re serious about buying a home in the near future, getting preapproved will simplify your buying process. It will also make sellers more likely to take you seriously, since you already have your financing partially secured.

Mortgage preapproval requires you to provide the lender with income documentation. They will also perform a credit inquiry to receive your FICO score.

Mortgage applications and credit scores

Before we talk about the rest of the preapproval process, we need to address one common issue that buyers face when applying for a mortgage. There are two types of credit inquiries that lenders can perform to view your credit history--hard inquiries and soft inquiries.

A soft inquiry won’t affect your credit score. But a hard inquiry can lower your score by a few points for a period of 1 to 2 months. So, when getting preapproved, you should expect your credit score to drop temporarily.

After preapproval

Once you’re preapproved for a mortgage, you can safely begin looking at homes. If you decide to make an offer on a home and your offer is accepted, your preapproval will make it easier to move forward in closing on the home.

Once the lender checks off on the house you’re making an offer on, they will send you a loan commitment letter, enabling you to move forward with closing on the home.

Posted by Upper Cape Realty on 6/9/2018

What a deal!This 2015 double wide mobile home has 1400 sqft of living space with a very open floor plan!There is an incredible amount of space here!This beautiful home is 3 years new and has 3 bedrooms, 2 full baths and 2 living rooms! Tons of upgrades! Vaulted ceilings, recessed lighting, ceiling fans, central air and so much more! Huge kitchen with spacious dining area which opens up to the living room separated by a huge kitchen island with extra storage.Master bedroom has a walk in closet and big master bathroom.Tons of kitchen cabinets and all appliances stay! This home is located in Pinetree Village,a family mobile home park in South Carver.Pets are allowed with restrictions.Neighborhood playground is a nice perk for the kiddo's. Don't pay rent when you can own this beautiful home! Mobile homes require financing for a manufactured home.This home will not qualify for FHA financing. A 10% down payment is required. Ask agent about financing. Preapproval or POF req for appt.

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