Femion Mezini's Blog
Filling out a mortgage application may prove to be a long, arduous process, particularly for those who are buying a house for the first time. Lucky for you, we're here to help you dot the I's and cross the T's on your mortgage application to ensure you can quickly and effortlessly acquire your dream house.
Now, let's take a look at three tips to help you prepare your mortgage application.
1. Be Diligent
A mortgage application may appear daunting at first. The application may include several pages of questions, and you may have only a limited amount of time to finalize your submission.
When it comes to completing a mortgage application, it generally pays to be diligent. If you answer each mortgage application question to the best of your ability, you likely will have no trouble moving forward with your home purchase.
2. Avoid Guessing
If you're uncertain about how to respond to certain mortgage application questions, there is no need to guess. Instead, search for the information that you need to provide a comprehensive response. This will help reduce the risk of encountering potential problems down the line that otherwise could slow down your home acquisition.
Remember, guessing on a mortgage application probably won't do you or your lender any favors. But if you allocate the necessary time and resources to understand mortgage application questions and provide thoughtful responses, you can minimize the risk of application errors.
3. Ask Questions
Completing a mortgage application sometimes can be tricky. Fortunately, a lender employs mortgage specialists who are happy to respond to your application concerns or questions at any time.
If you're unsure about information that is requested on a mortgage application, don't hesitate to reach out to a lender's mortgage specialists for help. These specialists possess extensive mortgage expertise and can help you complete a mortgage application.
Furthermore, mortgage specialists can offer insights into a wide array of mortgage options. These specialists can explain the differences between fixed- and adjustable-rate mortgages and enable you to select the right mortgage option based on your financial situation.
As you prepare to buy a house, you may want to consult with a real estate agent as well. In fact, with a real estate agent at your side, you can seamlessly navigate the homebuying process.
A real estate agent understands exactly what it takes to acquire a house, regardless of the finances at your disposal. This housing market professional can set up home showings, help you submit offers on houses and ensure you can purchase a residence that matches or exceeds your expectations. And if you need help getting a mortgage, a real estate agent may even be able to connect you with the top lenders in your city or town.
Ready to move forward in the homebuying journey? Use the aforementioned tips, and you can finalize a mortgage application and secure the financing that you need to acquire your ideal residence.
268 Everett Street, Sharon, MA 02067
There are a lot of effective ways to keep your home safe, secure, and free from intrusion, but those techniques are of little use if you don't consistently use them.
Technological solutions are well worth considering because they can be activated and monitored from almost any location.
Whether you're at a restaurant across town or comfortably lying in bed on a chilly night, the cost of a high-tech security system can be worth it, in terms of convenience, safety, and peace of mind.
If the cost or learning curve of using an automated home security system is outside your comfort zone, there are still plenty of simple and inexpensive techniques you can use to keep your family safe and sound. Regardless of the strategies you choose, it's better to err on the side of caution than to assume it'll never happen to you.
Change your locks: If you've just bought a new home or recently moved into one, having new locks installed on your doors is one of the cornerstones of a good home security plan. While some homeowners tend to be rather tight fisted when it comes to lending their house keys to friends, neighbors, housekeepers, and contractors, others tend to be quite liberal with the practice. Each time your house keys have been copied and passed along to people you don't know well (or at all), the overall security of your home has been compromised. If you're not sure which category the previous owner of your home fits into ("tight fisted" or "liberal"), then it would make sense to change the locks on all your doors. That way, you're eliminating the element of doubt and fortifying the secureness of your new home. It will also help you sleep better at night and increase the chances that only welcome guests will pass through your doors!
Get to know your neighbors: By maintaining friendly relations with your immediate neighbors -- especially those that live next door and directly across the street -- they will be more likely to contact you or the police if they see anything suspicious. If you happen to be chatting with neighbors and they mention that they're going away for the weekend or longer, they'll appreciate it if you promise to "keep an eye on their house" while they're gone. Hopefully, they'll return the favor when you're away for the day or out of town for longer. It's a good feeling when neighbors are looking out for neighbors, but -- as is the case with all relationships -- it does require some maintenance. More often than not, however, it's worth it!
15 Richard Street, Malden, MA 02148
Have you ever made a move across the country? While this is a huge step, it can be extremely rewarding. Whether you’re moving for a job or you just want a fresh start, the whole process can be stressful and very expensive. However, there are some tips to consider that can help to ease the stress and simplify the process.
Timing is Key
While you may think that you can move at any time, you should be strategic on when you move—if you want to save the most money. Holidays, weekends and at the end of the month are the busiest — and most expensive — times to move, so choose wisely in this regard. To score the best savings, try to move during the week and before the month of May or after the month of September. These are the times when moving is extremely common, so the moving industry will ramp up costs during these times. You want to also ensure that you are 100% ready by the time of your move. Try to think about everything that needs to be done, then set a time for your departure.
Lighten Your Load
When preparing for your cross-country move, it’s also very beneficial to get rid of junk that you don’t need. Consider your necessities and throw away things that you never use. This step can be the deciding factor between renting a truck or taking your own car across the country. Renting a vehicle for a long-distance move can cost over $1,000, so it’s important to cut costs if possible. Be sure to go through boxes, throw away junk, and compact your belongings as much as possible.
Pack Your Own Food
Driving across the states for your move can take days. And if you’re driving a moving truck with all of your belongings, then this journey can take even longer. That being said, you’ll need to make eating and sleeping arrangements. Unfortunately, these expenses can really add up quickly, especially since you’ll need money for multiple meals and multiple nights on the road. Therefore, to save a little cash, be sure to pack food for the drive. Not only can this help you save as you’re adventuring from state to state, but it can also help you save on time. Rather than stopping every few hours to get a quick bite, you can conveniently eat while you drive or pull off the road for a few minutes.
Moving across the country can take a toll emotionally, mentally and physically. And if you’re doing it alone, this journey can be even more stressful. But by focusing on the three tips mentioned above, you can rest easy knowing that you’re well-prepared for this life-changing adventure.