Fitzgerald and Associates Real Estate



Posted by Fitzgerald and Associates Real Estate on 1/21/2018


6 Dolan Dr, Middleton, MA 01949

Single-Family

$659,900
Price

10
Rooms
3
Beds
3/1
Full/Half Baths
Condo/Duplex conducive to single family living. Perfect for a family. Beautifully designed three-level townhouse on a cul de sac in desirable family neighborhood. Come view the quality construction in this 10 room, 3 bedroom with bonus room on second floor and 3 1/2 bath with many upgrades. Some of the features include hardwood floors throughout, upgraded kitchen, office on first floor, screened in porch, walk out basement, Maintenance free exterior including an azek trim and farmers porch. The unit also has a large yard for your private use. Property is close to all major routes.
Open House
Sunday
January 21 at 12:00 PM to 1:00 PM
Cannot make the Open Houses?
Location: 6 Dolan Dr, Middleton, MA 01949    Get Directions

Similar Properties





Categories: Open House  


Posted by Fitzgerald and Associates Real Estate on 1/21/2018


6 Dolan Dr, Middleton, MA 01949

Condo

$659,900
Price

9
Rooms
3
Beds
3/1
Full/Half Baths
Beautifully designed three-level townhouse on a cul de sac in desirable neighborhood. Come view the quality construction in this 10 room, 3 bedroom with bonus room on second floor and 3 1/2 bath with many upgrades. Some of the features include hardwood floors throughout, upgraded kitchen, screened in porch, walk out basement, Maintenance free exterior including an azek trim and farmers porch. The unit also has a large yard for your private use. Property is close to all major routes.
Open House
Sunday
January 21 at 12:00 PM to 1:00 PM
Cannot make the Open Houses?
Location: 6 Dolan Dr, Middleton, MA 01949    Get Directions

Similar Properties





Tags: Real-Estate   Condo   Open House   Middleton   01949  
Categories: Open House  


Posted by Fitzgerald and Associates Real Estate on 1/19/2018

This Single-Family in North Reading, MA recently sold for $294,900. This Ranch,Bungalow style home was sold by - Fitzgerald and Associates Real Estate.


2 Lee Rd, North Reading, MA 01864

Single-Family

$289,900
Price
$294,900
Sale Price

5
Rooms
3
Beds
1
Baths
HUGE price reduction! What are you waiting for? This adorable Bungalow/Ranch style home has been lovingly lived in for many years, but it's time for new owners to revamp and remodel! Situated on a small city lot (think easy exterior maintenance) but located next door to the North Reading Middle School, what potential this quaint place has! This is where you build equity and make it absolutely what you want. The garage will most likely be taken down to make way for the new septic system and will NOT BE REPLACED! The plus side: new septic, heating system and hot water tank are within 10 years, most newer windows.

Similar Properties





Categories: Sold Homes  


Posted by Fitzgerald and Associates Real Estate on 1/19/2018

If you're in the process of trying to find a dependable contractor for a home improvement project, there are several steps you can take to ensure a positive outcome. Since clear and frequent communication is the foundation of any successful relationship with a contractor, knowing what questions to ask can make all the difference. Here are some general guidelines for screening potential contractors and determining which one would be the best match for your budget, your home improvement needs, and your personality. Not only is it important that the contractor be experienced, dependable, and conscientious, but it's also crucial that they're easy to work with and customer service oriented. If they're too abrasive or don't seem genuinely interested in ensuring your satisfaction, then you'd probably be better off looking elsewhere. Being competitively priced is also very important. Questions to Ask Contractors Although each situation is different when dealing with home builders, handymen, or home improvement contractors, here's a list of questions that would apply to most companies:

  1. "How long have you been in business?" One of your top priorities is to avoid fly-by-night operations that are in business today, and nowhere to be found, next week. Longevity in business is usually a sign that the contractor is conscientious about customer satisfaction, that they care about doing good quality work, and that they're in compliance with the legal requirements of running a contracting business. It's certainly not a guarantee of any of those things, but it's a good starting point in evaluating their qualifications.
  2. "Would you provide me with some recent customer references -- preferably ones who had the same type of work done as what I'm planning." If the contractor balks at this, then they may have something to hide -- like a trail of dissatisfied customers or a just a lack of customers. The ideal scenario, of course, is to get a contractor recommendation from a trusted family member, a friend, or a neighbor. When that isn't possible, a brief telephone conversation with a couple current or past customers of a contractor you're considering can provide a lot of insights into key factors like timeliness, professionalism, the quality of their work, whether they leave their work site clean, and their level of customer service and communication. By the way, one online source for neighbor recommendations is a social networking site called Nextdoor.com.
  3. "What type of insurance do you have?" If they're not current on their personal liability insurance, Workers' Compensation, and property damage insurance coverage, then you could potentially be liable for any injuries and damage that take place on your property during the project. However, reputable contracting companies recognize the importance of carrying the necessary types of contractor insurance, and they make it their business to keep those policies current and up to date. As a side note, it's also wise to find out if there will be any subcontractors working on the job, and if they also have the required licenses and insurance coverage. Asking for copies of insurance certificates is generally the only way to make sure the needed coverage is in place.
While many home improvement or construction projects come with their share of frustrations, setbacks, and minor headaches, if you take the time to screen and compare potential home contractors, your chances of getting the best value for your money and the highest possible quality will be greatly increased.





Posted by Fitzgerald and Associates Real Estate on 1/12/2018

Your credit score is a 3 digit number that can have a huge impact on many things that you hope to accomplish in your life. One of the biggest reasons that you need a good credit score is for buying a home. As many people rely on credit cards to fund their expenses, they consequently end up in debt. This doesnít have a favorable impact on credit scores. Yet, itís so important to maintain good credit.  


Why The Score Is Important


A credit score is one of the most crucial factors in determining if you can qualify for a mortgage. It is an overall gauge for lenders to understand how financially responsible you are. The higher your credit score, the less risk you carry in the eyes of lenders. 


What Affects A Credit Score?


Your credit score is calculated based on information that is found on your credit report. There are five different things that affect your credit score, each with a slightly different impact:


  • Payment history
  • Debt-to-credit utilization
  • Length of credit history
  • Credit mix
  • New credit


Whatís A Good Score?


Absolutely flawless credit is 850. Donít worry if youíre not in that category. Only about 1/2 of one percent of consumers actually have a score this high. Once your score reaches 740 and above, youíre able to qualify for the best in mortgage rates. Even if your score is in the low 700ís, you still should be able to qualify for a good interest rate. For a conventional loan, many lenders look for a credit score of 620 and above. Being in the high 600s will help you to avoid the need for additional paperwork. Youíll also get a decent interest rate with this score. 


What If You Donít Have Credit History?


Ideally, you would have opened some type of a credit card by the time you reached the age of 20. This would help to establish credit. If you donít have any type of credit history, thereís still a few ways that you can qualify for a mortgage. In these cases, lenders will often use alternative sources in order to determine the reliability of a party theyíre lending to. Your car payment history doesnít show up on your credit report, but a good track record helps lenders to see that youíre dependable and a responsible credit user. 


What About Bad Credit?


From missed payments to errors on your credit report, there could always be some problems with a credit score. The good news is that bad credit can be fixed. There are even loan programs designed to help people with less than perfect credit scores. Generally FHA (Federal Housing Administration) loans and VA loans allow for low down payments and have lenient credit score requirement. 


Fixing Your Credit Score Is Fixing Your Habits


In order to repair your credit score, youíre going to need to fix the bad financial habits that got you into the situation in the first place. This means making on-time payments, spending less, and avoiding opening up any new accounts. Pay down your existing debt and try to make a fresh start form there. Also, be sure that you obtain a free copy of your credit report each year to keep on top of any errors that might be present on the report.







Tags