Maureen Giuliano - Classified Realty Group


Classified Realty Group



Posted by Maureen Giuliano on 12/6/2019

Itís a good financial practice to check your credit report and score periodically. You want to be sure that no one has stolen your identity and that all the information on the report is correct. It may sound simple to check your credit, but there are so many sources that you can get it from and so many options that it can be a dizzying process. Read on to learn more about the basics of checking your credit and credit score. 


Your Credit Score Comes From Different Sources


You can check your credit score from one source and find that the score varies from place to place. Why? There are a few different scoring models that are used to calculate scores. There could be as much as a 50 point difference between sites. There are also three credit reporting agencies. Each one uses a different method to calculate credit scores. Each method provides lenders with different information to allow them a picture of what type of borrower you will be. 


Checking Your Score


Many different apps allow you to check your credit score. These enable users not only to see their scores but to see what can be done to improve the userís credit report and score. You canít see your credit report on these apps, but you can always head to annualcreditreport.com to check the full scope of your report. This is the only official site to pull your credit report fro the credit bureaus.  Finding the right app to check your credit score is simple, it only takes a few minutes to sign up. 


How Are Credit Scores Calculated?


Your credit score is calculated using a few different factors. Each credit bureau uses the formula a bit differently. Scores range from 300- 850. Itís pretty rare to see perfect credit at 850. Anything over 700 is considered ďgoodĒ or excellentĒ credit. You need at least a score of 600 to obtain loans in most cases. The higher your score, the better the interest rate will be.     



When Is The Best Time To Check The Score?


Before you apply for any large loan, itís a good idea to check your credit rating. Taking a peek will allow you to see where you stand. You donít want  to apply for a loan and end up being surprised by problems with your credit. Many apps allow you to check your score on a monthly basis. Itís easy to stay on top of your credit score and especially important to know where you stand when you buy a home.   




Tags: credit score  
Categories: Uncategorized  


Posted by Maureen Giuliano on 12/5/2019

This Single-Family in Reading, MA recently sold for $520,000. This Bungalow style home was sold by Maureen Giuliano - Classified Realty Group.


56 HIGHLAND STREET, Reading, MA 01867

Single-Family

$499,900
Price
$520,000
Sale Price

8
Rooms
3
Beds
2
Baths
BUNGALOW DREAMS in this gem of a home! CHARMING comes easy to this three-bedroom 2 bath home, situated on a BEAUTIFUL and opportunistic LOT. LOVED FOR MANY YEARS, it's now time for the right buyer to make some necessary updates and call it their own. Open up the PICTURESQUE front porch, add some life to the second floor.. the ideas will flow as you walk through the character filled 1,972 sq. ft. home. First floor houses 2 bedrooms, living room with fireplace, charming original kitchen, family room, office and full bath. Second floor has a bedroom and ¾ bath. Located in a desirable Reading neighborhood, near commuter rail and trendy downtown.. Condos watch out.. this home has it all!

Similar Properties





Categories: Sold Homes  


Posted by Maureen Giuliano on 11/29/2019

In real estate, cash is power. Itís not exactly the amount of money that you have been approved for by a lender. This type of ďcashĒ is what you can pull directly from your account to buy a property on demand. It can be difficult to compete with cash buyers especially in tight real estate markets. Below, youíll find some tips to help you match up against any cash offers that you may be competing with when you buy a home. 


Make Your Offer Look Attractive As Possible


First, you should always have a pre-approval letter from your lender. This lets sellers know that youíre a qualified buyer. You should also get your lender or realtor (or both) to provide some financial information about you along with your offer. This helps to add to the case that youíre a dependable buyer.


Let Things Move Quickly 



If you allow your lender to send an appraiser to the property as quickly as possible, this will give you an advantage in the home buying process. You want to reduce the amount of time that it will take to close on the house. That means you should consider cutting down on both the appraisal and contingency time. You could even consider waiving any contingencies if you feel comfortable. 


To speed up the process, even more, you should pre-order an appraisal in advance. You can do this before your offer has even been written. It can be difficult to arrange this, especially with larger scale lenders, but itís always worth a try. Once the offer is written, the lender can relay to the seller that an appraisal has already been scheduled.


Youíll also want to get the inspection done fairly quickly. You only have a short window of time to get the inspection done. The quicker you get this done, the more serious of a buyer you appear to be. You should have the inspector who youíll use ready before you even put an offer in on a home in order to expedite this part of the process. Usually, inspectors donít take terribly long to schedule appointments knowing that their clients have short windows to get inspections done.  


Make A Strong Offer


Making a good offer could mean paying extra for a home you love in order to compete with cash offers. Spending more money helps to win. Hereís why: Sellers almost always will give a cash buyer a bit more of a discount since theyíll be getting all of the funds up front. If you love the house and plan to live in it for years to come, the extra money you spend will be well worth it.         


Write An Offer Letter


An offer letter adds a bit of a personal touch to the number you put down as a buyer. Here, you can tell the seller who you are and why you love the home. It can be emotional to sell a property, but a seller will feel more comfortable knowing that the home is going to someone who will appreciate it.

  






Categories: Uncategorized  


Posted by Maureen Giuliano on 11/22/2019

Photo by J. Lynne Hardesty via Pixabay

The little state of Maine draws thousands of travelers each year. If you’re among those who are making the trek to this popular travel destination, you may feel overwhelmed by the plethora of things to see and do. If your time is limited, here are a few things you simply must see during your time in Maine.

1. Acadia National Park

No trip to Maine is complete without a visit to Acadia National Park. This national treasure is beautiful year-round, but it’s breathtaking in the fall. In fact, it’s one of the most-visited national parks in the country, drawing 3.5 million people a year. It has something for everyone, too. Beaches, mountains, and forests all await exploration at this popular destination. If you are short on time, take the Park Loop Road to see most of the park. If you’re visiting in the late summer or early fall, head to Cherryfield’s Wild Blueberry Picking for a fun experience.

2.The Kennebunks

See the waters of the Atlantic crash up on rugged rocks with a visit to the Kennebunks. This coastal area not only has stunning views, but also a lovely collection of boutiques and bed-and-breakfast accommodations.

3. Augusta

The state’s capital is rich in history. Here you can explore the Maine State Museum or go back in time at Old Fort Western. Don’t forget to tour the state capitol building or visit University of Maine while you’re there.

4. Portland

The iconic lighthouse, also known as the Portland Observatory, is the first thing you’ll want to see when you visit Maine’s largest city, but it is just one of many things to do here. The Maine Narrow Gauge Railroad Museum delights guests with its pint-sized model trains, and the Children's Museum and Theatre of Maine is a great place to spend some time playing with your little ones. This location is also near the Harbor, so it’s full of fresh seafood that will delight even the pickiest “foodie” in your group. While in Portland, take time to tour the Victoria Mansion, a 19th-century period home.

5. Bangor

Finally, make a stop in Bangor part of your travels. This is particularly popular with those who follow the supernatural, and there are plenty of ghost tours to take advantage of. After all, Stephen King made Bangor his home, and his home is available to see while you’re there. You can even take a walk on Central Street, the bloodiest street in Maine’s history, where Al Brady once ruled in terror. For something a little more family-friendly, the Maine Discovery Museum is ready to explore.

Maine has something to offer everyone. If you’re making a visit, pick one or two of these places, and dig in for a day or two of exploration.




Tags: Travel   Maine   Must-See   Attraction   Road Trip  
Categories: Uncategorized  


Posted by Maureen Giuliano on 11/21/2019


17 WRIGHT STREET, North Reading, MA 01864

Single-Family

$538,900
Price

7
Rooms
3
Beds
2
Baths
Welcome to your new home! This quintessential colonial is located in a neighborhood close to LD Batchelder school, and the Library! On the first floor, enjoy a charming eat-in kitchen with counter seating and a versatile layout, as well as a formal dining room and a mudroom, or sunny breakfast nook. A home office that can be used as a planning station/media room for the whole family and a comfortable living room to gather and entertain. To complete the first floor amenities, you'll find a beautifully updated full bath. Upstairs relish the large vaulted master bedroom with ample closet space and skylights. Additionally, you will find two more bedrooms and a new ¾ bath. Finally, this home offers an attached garage, vinyl siding, and a back deck just off the living room, where you can sit and enjoy the natural beauty this quiet, friendly New England neighborhood has to offer.
Open House
Sunday
November 24 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 17 WRIGHT STREET, North Reading, MA 01864    Get Directions

Similar Properties





Categories: Price Change