Susan McPherson - CENTURY 21 Commonwealth | Natick, MA Realty, Sherborn, MA Realty, Dover, MA Realty



4 Nottingham Drive, Natick, MA 01760

Single-Family

$635,000
Price

7
Rooms
4
Beds
2
Baths
Here is your opportunity to move right in to a lovely 4 bedroom colonial in the popular Sherwood neighborhood. This home is conveniently located and provides easy access to commuter routes, commuter train to Boston, shopping and restaurants. This renovated home includes an optional 1st floor master plus 3 bedrooms on 2nd floor. The smartly updated kitchen has a granite counters and stainless steel appliances - including gas range. Other features include: central AC, large fenced yard, screened porch, over-sized patio which is ideal for entertaining, recently finished basement, 2007 roof, 2016 furnace and one car garage. A fabulous home in a terrific location! Open Houses Sat & Sun. Don't miss out on this beautiful home!
Open House
Saturday
January 19 at 11:00 AM to 1:00 PM
Great commuting location. Updated 4 bedroom colonial in Natick's desirable Sherwood neighborhood.
Cannot make the Open Houses?
Location: 4 Nottingham Drive, Natick, MA 01760    Get Directions

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It’s hard to overstate the importance of credit scores when it comes to buying a home. Along with your down payment, your credit score is a deciding factor of getting approved and securing a low interest rate.

Credit can be complicated. And, if you want to buy a home in the near future, it can seem daunting to try and increase your score while saving for a down payment.

However, it is possible to significantly increase your score in the months leading up to applying for a loan.

In today’s post, we’re going to talk about some ways to give your credit score a quick boost so that you can secure the best rate on your mortgage.

Should I focus on increasing my score or save for a down payment?

If you’re planning on buying a home, you might be faced with a difficult decision: to pay off old debt or to save a larger down payment.

As a general rule, it’s better to pay off smaller loans and debt before taking out larger loans. If you have multiple loans that you’re paying off that are around the same balance, focus on whichever one has the highest interest rate.

If you have low-interest loans that you can easily afford to continue paying while you save, then it’s often worth saving more for a down payment.

Remember that if you are able to save up 20% of your mortgage, you’ll be able to avoid paying PMI (private mortgage insurance). This will save you quite a bit over the span of your loan.

Starting with no credit

If you’ve avoided loans and credit cards thus far in your life but want to save for a home, you might run into the issue of not having a credit history.

To confront this issue, it’s often a good idea to open a credit card that has good rewards and use it for your everyday expenses like groceries. Then, set up the card to auto-pay the balance in full each month to avoid paying interest.

This method allows you to save money (you’d have to buy groceries and gas anyway) while building credit.

Correct credit report errors

Each of the main credit bureaus will have a slightly different method for calculating your credit score. Their information can also vary.

Each year, you’re entitled to one free report from each of the main bureaus. Take advantage of these free reports. They’re different from free credit checks that you can get from websites like Credit Karma because they’re much more detailed.

Go through the report line by line and make sure there aren’t any accounts you don’t recognize. It is not uncommon for people to find out that a scammer or even a family member has taken out a line of credit in their name.

Avoid opening several new accounts

Our final tip for boosting your credit score is to avoid opening up multiple accounts in the 6 months leading up to your mortgage application.


Opening multiple accounts is a red flag to lenders. It can show that you might be in a time of financial hardship and can temporarily lower your score.



111 Gibbs Street, Newton, MA 02459

Single-Family

$2,199,000
Price

12
Rooms
6
Beds
2/1
Full/Half Baths
Spacious 1880's Victorian located in the heart of Newton Centre majestically set on over ½ acre of land abutting Ordway Park. The home features many of the original period detailing including stained glass windows, wood paneling, built ins, dumb waiter, carved fireplace mantels, beautiful pocket doors, hardwood flooring throughout, wrap around deck…the list goes on. The finished basement has the potential for an in-law / au pair apartment or turn it into a playroom, office, exercise room, etc. Just minutes to T, Newton Centre, shops and restaurants. Opportunities abound in this fabulous home to restore it to its original glory with modern conveniences. This is a diamond in the rough and once refurbished will be a true gem!
Open House
Sunday
January 13 at 11:00 AM to 12:30 PM
Cannot make the Open Houses?
Location: 111 Gibbs Street, Newton, MA 02459    Get Directions

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8 Woodland Street, Sherborn, MA 01770

Single-Family

$684,000
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Unbeatable commuting location...less than 4 miles to Natick. Easy access to Rt 27, Rt 16 & Rt 9. This classic Colonial is extremely well maintained with tastefully renovated kitchen & baths. Set back off the street on a corner lot. Beautiful hardwood flooring throughout, fireplaced front-to-back living room w/ bay window, formal dining room, updated kitchen w/ stainless steel appliances, and family room with sliders leading to a spacious sun room overlooking your private yard. 4 generous sized bedrooms including master w/ renovated master bath. Walk-out unfinished basement allows for expansion possibilities to the living area. Newer windows & roof, Central AC, and many more updates throughout. New 4 br septic being installed. Sherborn is known for its highly ranked schools, small town charm & open space providing access to miles of trails. A terrific value for this updated colonial!
Open House
Saturday
January 12 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 8 Woodland Street, Sherborn, MA 01770    Get Directions

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4 Nottingham Drive, Natick, MA 01760

Single-Family

$635,000
Price

7
Rooms
4
Beds
2
Baths
Here is your opportunity to move right in to a lovely 4 bedroom colonial in the popular Sherwood neighborhood. This home is conveniently located and provides easy access to commuter routes, commuter train to Boston, shopping and restaurants. This renovated home includes an optional 1st floor master plus 3 bedrooms on 2nd floor. The smartly updated kitchen has a granite counters and stainless steel appliances - including gas range. Other features include: central AC, large fenced yard, screened porch, over-sized patio which is ideal for entertaining, recently finished basement, 2007 roof, 2016 furnace and one car garage. A fabulous home in a terrific location! Open Houses Sat & Sun. Don't miss out on this beautiful home!
Open House
Saturday
January 12 at 11:00 AM to 1:00 PM
Updated Colonial in a fantastic neighborhood and convenient commuting location.
More Open Houses
Cannot make the Open Houses?
Location: 4 Nottingham Drive, Natick, MA 01760    Get Directions

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