Deborah Caniff - Lynnfield, MA Real Estate, Swampscott, MA Real Estate, Marblehead, MA Real Estate


Believe it or not, getting pre-approved for a mortgage can be quick and simple, even for a first-time homebuyer. In fact, here are three tips to help a first-time homebuyer streamline the process of receiving pre-approval for a mortgage:

1. Meet with Several Lenders

Many mortgage lenders are available in cities and towns nationwide. Meanwhile, these mortgage experts are happy to teach first-time homebuyers about assorted mortgage options and help them get pre-approved for a mortgage.

Set up face-to-face meetings with various lenders in your area. That way, a first-time homebuyer can gain unparalleled insights into a wide range of mortgage options.

In addition, don't hesitate to ask questions during meetings with banks and credit unions. Mortgage lenders possess comprehensive mortgage expertise, and as such, a first-time homebuyer can rely on these mortgage professionals to receive the support that he or she needs to make an informed decision.

2. Understand Your Credit Score

Do you know your credit score? Ultimately, a first-time homebuyer's credit score may dictate his or her ability to obtain the ideal mortgage.

An individual can request a free copy of his or her credit report from each of the three major credit reporting agencies (Equifax, Experian and TransUnion) once a year. This report may prove to be exceedingly valuable, as it can help a homebuyer identify opportunities to improve his or her credit score before a mortgage application is submitted.

Also, if you identify errors in your credit report, it is paramount to contact the agency that provided the report immediately. This will allow you to correct any potential errors quickly and ensure that they won't affect your ability to get the best possible mortgage.

3. Consider Your Homebuying Budget

A first-time homebuyer may have lofty expectations prior to entering the real estate market. However, this individual should consider his or her finances before submitting a mortgage application.

With a budget in hand, a homebuyer can establish realistic expectations as he or she tries to get pre-approved for a mortgage. Plus, this homebuyer may be better equipped than others to obtain pre-approval for a mortgage and accelerate his or her search for the perfect residence.

Lastly, it may be worthwhile for a first-time homebuyer to meet with a real estate agent to learn more about assorted mortgage options.

A real estate agent understands the challenges associated with purchasing a house for the first time. As a result, this housing market professional can teach a homebuyer about all aspects of the property buying journey and help this buyer plan accordingly.

Perhaps best of all, a real estate agent can set up home showings, keep a homebuyer up to date about new residences as they become available and negotiate with a home seller on a buyer's behalf. This housing market professional will even provide honest, unbiased homebuying recommendations to make it easy for a property buyer to acquire a top-notch residence at a budget-friendly price.

Move one step closer to purchasing your dream house – use the aforementioned tips, and a first-time homebuyer can speed up the process of getting pre-approved for a mortgage.


This Single-Family in Lynnfield, MA recently sold for $990,000. This Colonial style home was sold by Debbie Caniff - Coldwell Banker Residential Brokerage.


19 Orchard Lane, Lynnfield, MA 01940

Single-Family

$999,999
Price
$990,000
Sale Price

12
Rooms
4
Beds
5
Baths
Open house Sunday 4/28 from 1 - 2:30. This is the one you've been waiting for! Extremely well maintained 12 room Colonial on a corner lot in Apple Hill. This home has so many potential uses for multi-generational families including an in-law potential in the lower level. Perfect for parties & entertaining with the heated in-ground pool surrounded by a brick patio directly off the kitchen or access through the bulk head to the lower level with a full bath, 2nd kitchen & 2nd laundry hook-ups. There are new quartz counters in the eat-in kitchen. The living room & family room have wood burning fireplaces. The exterior was just freshly painted. There is landscape lighting for that special night time ambiance. 5 full bathrooms. An extra-large great room is perfect for your home theater. Front & rear staircases. Custom closets & custom garage storage. Tennis court in the rear portion of the yard.

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The homebuying journey may seem daunting at first. Lucky for you, we're here to help take the guesswork out of finding and acquiring your dream house.

Now, let's take a look at three tips to help you approach the homebuying journey with poise and confidence.

1. Be Diligent

A diligent homebuyer may be better equipped than others to enjoy a seamless and successful property buying experience. In fact, this buyer likely will do whatever it takes to find the right house at the right price, regardless of the current real estate market's conditions.

To become a diligent homebuyer, it generally is a good idea to learn about the housing market in your preferred cities and towns. With this information, you can determine whether you're pursuing a home in a buyer's or seller's market and plan accordingly.

Furthermore, it may be beneficial to get pre-approved for a mortgage. If you enter the housing market with a mortgage, you'll know exactly how much you can spend to acquire your dream house.

2. Know Where You Want to Go

Establish homebuying criteria – you'll be glad you did. If you know what differentiates your dream house from others, you can quickly and effortlessly search for residences that match your expectations.

Also, you may want to hone your home search to specific cities and towns. For example, if you want to find a house close to your office in the city, you may want to explore residences in or near the city itself. On the other hand, if your goal is to buy a house near the top schools in a particular state, you should narrow your house search based on school rankings and other pertinent data.

3. Work with a Real Estate Agent

Buying a house is no small feat, and ultimately, there is no reason to try to navigate the homebuying journey alone. Thankfully, you can hire a real estate agent who can provide expert support throughout the homebuying journey.

A real estate agent is a must-hire, and for good reason. He or she will guide you along the entire homebuying journey and respond to any of your homebuying concerns and questions. In addition, a real estate agent offers recommendations and suggestions to help you make informed decisions as you pursue your dream residence.

Usually, a real estate agent will learn about your homebuying goals and craft a personalized homebuying strategy for you. He or she next will keep you informed about available residences that meet your criteria and set up home showings. Once you find your dream residence, a real estate agent will help you put together a competitive offer to acquire this house. And if your offer receives a "Yes" from a home seller, a real estate agent will help you finalize your house purchase.

Ready to streamline the homebuying journey? Use the aforementioned tips, and you can kick off a house search and discover your ideal residence in no time at all.


There is no set amount that a homeowner should spend on a smart house device. In fact, depending on the smart gadgets you purchase, you may wind up spending only a few dollars, or hundreds, on these devices. But if you understand how to shop for smart home gadgets, you may be better equipped than other property owners to find high-quality and budget-friendly smart devices for your residence.

Now, let's take a look at three tips to help you get the most out of your smart home device spending.

1. Choose Only the Smart Home Devices You Need

Although there are many smart home devices available, it is paramount to select only the ones you need for your house. That way, you can keep your smart home device spending in check. Plus, you can avoid the risk of buying smart home gadgets you ultimately won't need.

As you try to sort between smart device wants from needs, consider your day-to-day activities. For instance, if you require energy-efficient and economical lighting for your house, you may want to invest in smart light bulbs. Or, if you are concerned about security, a smart home security system may be an ideal investment.

2. Shop Online and at Brick-and-Mortar Retailers

Smart home devices are available both online and at brick-and-mortar stores. If you shop for smart house gadgets from a variety of retailers, you may find some that offer the optimal combination of affordability, convenience, and quality.

Don't hesitate to ask questions as you shop for smart home devices either. Remember, your goal as a homeowner is to find smart gadgets that can serve you well for an extended period of time. If you ask questions about smart home devices, you can gain the insights you need to make informed purchase decisions.

3. Consider Pre-Owned Smart Home Devices

Smart home device models are constantly evolving, and multiple generations of different gadgets may be available. Keep in mind, however, that an old smart home device model may suit you perfectly at a fraction of the cost of a new version.

Sometimes, you may find pre-owned smart home devices that work great and won't break your budget. If you search smart home device listings on Craigslist and other online marketplaces, for instance, you may find lots of terrific pre-owned smart house gadgets. If you browse these gadgets closely, you may discover a pre-owned smart home device that corresponds to your budget.

For those who want to buy a smart home device, it often helps to remain flexible, too. If you are open to shopping for smart house gadgets from a wide range of manufacturers, you may quickly find a smart home device that is both expertly constructed and affordable.

Ready to purchase one or more smart home devices? Take advantage of the tips above to shop for smart house gadgets, and find devices that fall in line with your finances.



27 Prospect Avenue, Lynnfield, MA 01940

Single-Family

$469,900
Price

7
Rooms
3
Beds
1/1
Full/Half Baths
LOVELY 2-3 BEDROOM HOME ON A NICE SIDE STREET CLOSE TO LYNNFIELD CENTER! ENTER THE WELCOMING SUNPORCH WITH NEWER WINDOWS AND BE GREETED WITH CHARMING AMBIANCE. PERIOD DETAILS THROUGHOUT THE HOME INCLUDE BULLS EYE MOLDINGS, GLASS FRONT CABINETRY, CORNER CABINET, KITCHEN PANTRY, PLANTATION SHUTTERS, AND HARDWOOD FLOORS! THE HOUSE HAS BEEN UPGRADED AND BEAUTIFULLY MAINTAINED WITH NEWER ROOF, WINDOWS, HOT WATER TANK, GUTTER HELMET AND REPOINTED CHIMNEY. THERE IS AN ADDITIONAL 3 SEASON PORCH IN THE REAR OF THE HOME THAT OVERLOOKS AN ABSOLUTELY GORGEOUS FLAT & EXPANSIVE YARD WITH GARDENS OF PERENNIALS. AND BE SURE TO CHECK OUT THE "SHE SHED" RECENTLY BUILT AND EQUIPPED WITH ELECTRICITY, CEILING FAN, AND AN AWNING FOR A SWEET RETREAT OR GARDENING/STORAGE SPACE. MOVE RIGHT IN AND ENJOY THE GREAT SCHOOLS AND CENTER LOCATION. ALSO CLOSE TO POPULAR MARKET STREET!
Open House
Sunday
June 30 at 11:30 AM to 1:00 PM
Wonderfully charming 2-3 bedroom home in a great location close to the Center! Don’t miss it!
Cannot make the Open Houses?
Location: 27 Prospect Avenue, Lynnfield, MA 01940    Get Directions






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