Lisa Corr, Olde Town Realty | Haverhill, MA Real Estate



205 Morgan Dr, Haverhill, MA 01832

Condo

$219,900
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Are you looking for a turn key home? Are you looking for a condo that is close to Route 495 and 93? Close to shopping center yet feels like you are in the country? You found it! Nothing to do but unpack. This updated townhouse style condo will not last. The condo has been updated through out. New floors, fresh paint, newer windows, newer heating system and the list goes on. This unit has a loft area in the bedroom for additional living space. New slider in the living room which leads out to your deck. Gas fireplace also in the living room. The entry way has tile floor, and garage entrance . 1 Car garage with storage and laundry room in back of garage. All appliances including washer and dryer are staying as a gift from the seller. First showing Wednesday 5:00-6:00 PM All offers due by Friday at 4:00 PM
Open House
No scheduled Open Houses

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Obtaining a mortgage can be overwhelming, particularly for a first-time homebuyer. Lucky for you, we're here to help you streamline the process of analyzing various mortgage options and choosing one that matches or exceeds your expectations.

Now, let's take a look at three tips to help first-time homebuyers secure the ideal mortgage.

1. Assess All of the Mortgage Options at Your Disposal

Both fixed- and adjustable-rate mortgages are available, and homebuyers who understand the pros and cons of these mortgage options may be better equipped than others to make the right mortgage decision.

A fixed-rate mortgage ensures a homebuyer will pay the same amount each month. For example, a 30-year fixed-rate mortgage enables a homebuyer to budget for monthly home payments over the course of three decades. And in many instances, a homebuyer may be able to pay off a fixed-rate mortgage early without penalty.

On the other hand, an adjustable-rate mortgage may start out with a lower monthly payment that escalates over the course of a few years. An adjustable-rate mortgage, for instance, may allow a homebuyer to acquire a home that surpasses his or her initial budget thanks to a lower initial monthly payment. However, after the first few years, the monthly mortgage payment may increase, and a homebuyer will need to plan accordingly.

Assess your mortgage options closely – you'll be glad you did. By doing so, you can boost your chances of selecting a mortgage that works well based on your current and future financial needs.

2. Evaluate Your Credit Score

Believe it or not, a first-time homebuyer's credit score may impact his or her ability to get the right mortgage. Fortunately, a first-time homebuyer can analyze his or her credit score without delay.

You can request a free copy of your credit report annually from each of the three credit reporting agencies (Equifax, Experian and TransUnion). Then, with your credit report in hand, you can better understand how potential lenders may view your mortgage application.

Of course, if you receive a copy of your credit report and find glaring errors, be sure to let the credit bureau know immediately. This will enable you to get any mistakes corrected and ensure these problems won't slow you down as you pursue your dream residence.

3. Consult with Potential Lenders

Although getting a mortgage may seem like an uphill climb at first, consulting with potential lenders may prove to be exceedingly valuable, especially for a first-time homebuyer.

Banks and credit unions employ friendly, knowledgeable staff who are happy to educate you about assorted mortgage options. These lenders can teach you about the ins and outs of various mortgage options at your convenience.

Lastly, if you need extra help in your search for the perfect mortgage, real estate agents may be able to offer assistance. These housing market professionals can provide honest, unbiased recommendations about lenders in your area so you can move one step closer to securing your ideal mortgage.

Ready to get a mortgage for the first time? Use these tips, and you can accelerate the process of obtaining a mortgage that suits you perfectly.


If you want to purchase a home, it pays to establish a homebuying budget. By doing so, you can enter the housing market with a budget in hand and narrow your search for your dream house.

Now, let's take a look at three best practices to help you create a homebuying budget.

1. Look at Your Finances

Your finances will play a major role in your ability to purchase a home. Thus, you should evaluate your current financial situation closely so you can map out an effective homebuying journey.

Request a copy of your credit report – you'll be glad you did. You are eligible for a free copy of your credit report from each of the three reporting bureaus (Equifax, Experian and TransUnion) annually. Take advantage of this complimentary perk, and you can gain deep insights into your outstanding debt.

If you have outstanding debt, try to pay this down as much as possible. That way, you can boost your credit score, which ultimately will help you improve your chances to acquire your ideal residence.

2. Meet with Banks and Credit Unions

When it comes to buying a home, meeting with banks and credit unions usually is a great idea. That way, you can learn about your home loan options and get pre-approved for a mortgage.

Apply for a mortgage from several banks and credit unions. Then, you can receive various mortgage quotes and select one that suits you perfectly.

Also, don't hesitate to ask plenty of questions during a lender consultation. Banks and credit unions employ friendly, knowledgeable mortgage professionals – all of whom are happy to help you make an informed mortgage decision. Therefore, if you're unsure about whether to proceed with a 15- or 30-year mortgage or can't decide between an adjustable- or fixed-rate mortgage, you can ask these mortgage professionals for expert advice.

3. Consult with a Real Estate Agent

A homebuying budget is tricky to establish on your own, especially if you are entering the real estate market for the first time. Fortunately, a real estate agent can help you plan ahead for all stages of the homebuying cycle.

During a real estate agent consultation, a housing market professional will learn about your homebuying goals. Next, this professional will help you establish realistic homebuying expectations and ensure you can discover a great house at a budget-friendly price.

Of course, let's not forget about the world-class support that a real estate agent provides after you kick off a home search, either.

A real estate agent will set up home showings, keep you informed about open houses and offer homebuying recommendations and suggestions. Perhaps best of all, a real estate agent can negotiate with a seller's agent on your behalf to help you get the best price on a house.

Ready to begin your search for your dream home? Use the aforementioned best practices, and you can craft a homebuying budget and start your homebuying journey.


There's one thing all successful real estate agents, advertising executives, and marketing professionals know about human behavior: Many people make buying decisions for emotional reasons, and then justify those decisions with facts. In other words, they might say they bought a particular house because of all the updates and stainless steel appliances, but the real reason was that they could imagine themselves living there, being happy, entertaining friends and family, raising their children, and even growing old together there.

For some home buyers, the deciding factor is that it reminds them of fond childhood memories or perhaps the house they grew up in. Whenever a home for sale stirs up good feelings, happy  memories, or positive thoughts in the mind of prospective buyers, it increases the chances they'll make an offer on the house.

Home Staging Tips

If your house is now on the market or you're considering putting it up for sale, there are a lot of steps you can take to make it more attractive to buyers. Obvious improvements like doing a thorough top-to-bottom cleaning of the house can make a big difference, but there are literally dozens of other things you can do to attract more offers and get the highest possible price for your property. Sometimes it's something as simple as a creating a pleasing scent, like cinnamon, lavender, hot coffee, of freshly baked bread, cookies, or muffins, that can create a comforting and enticing ambiance for potential buyers.

Although your real estate agent should already be well versed in the nuances of home staging, it would be to your benefit to do some research on it and participate in the process. Some home owners hire a professional home staging consultant to make sure no details are overlooked.

Avoiding Home Staging Pitfalls

Attractively decorating your home can be one aspect of making a good impression on potential buyers, but it's necessary to cast the widest possible net, so to speak, when making decorating choices. In other words, you would want the appearance, style, and color choices in your home to appeal to a wide variety of different tastes, rather than just a select few. That's why it's beneficial to get an objective opinion from an experienced real estate agent, a professional decorator, or a home staging consultant. Since you've been living in your home for umpteen years, you're probably going to be "too close to the trees to see the forest."

Some things that homeowners often tend to overlook just before prospective buyers arrive to tour their house include the following:

  • Furniture that's arranged in a haphazard, disjointed, or cluttered way
  • 'Welcome' mats that are dirty, faded, and anything but welcoming
  • Overflowing or grungy-looking trash baskets
  • Overgrown shrubbery
  • Smudged or cobweb-laden windows
  • Kitchens, bathrooms, and other areas of the house that are disorganized and visibly unclean
Keeping your home in immaculate condition at all times is definitely one of the more challenging aspects of putting it up for sale. However, when you consider the cost of keeping a house on the market for longer than necessary and eventually having to lower the price, the extra effort is well worth it!


 



11 Summit Ave, Haverhill, MA 01830

Single-Family

$319,900
Price

9
Rooms
4
Beds
1/1
Full/Half Baths
When you walk into this house you will feel the grandeur of this home. The front staircase is elegant. The marble statue in the front hall is a gift from the sellers. French doors lead into the formal living room with hardwood floors. The living room is quite large and also has hardwood woods. There is a smaller room off the hallway. Great use for an office, storage playroom, what ever your needs are. Large dinning room that leads out to the kitchen and half bath. Laundry is located in the 1st floor in the half bath. This house has double staircase. The gas grill is also a gift to the buyer. It is plumbed in to the deck with propane. So much more to see. Easy to show.
Open House
No scheduled Open Houses

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