Kate Hogan -Amherst, MA real estate, Hadley, MA real estate, Northampton, MA real estate
Kate Hogan - Amherst MA Realtor


Applying for a mortgage may seem like a long, stressful process at first. Fortunately, we're here to help you take the guesswork out of submitting a mortgage application.

Now, let's take a look at three tips to help you streamline the mortgage application process.

1. Ask Questions

A bank or credit union likely will ask you to provide a wide range of information as part of the mortgage application cycle. And as you complete a mortgage application, you may have questions along the way too.

Remember, a lender is happy to help you in any way possible. If you ever have concerns or questions as you complete a mortgage application, you should reach out to a lender for expert support. That way, you can reduce the risk of potential problems down the line that otherwise could slow down the mortgage application process.

Even a single mistake on a mortgage application may prevent you from getting a mortgage. Perhaps even worse, a delayed mortgage application may force you to miss out on an opportunity to acquire your dream house. But if you reach out to a lender as you complete your mortgage application, you can gain the insights you need to quickly and effortlessly finalize the necessary documentation to obtain a mortgage.

2. Be Thorough

A mortgage application may require you to look back at your financial and employment histories and provide information that a lender will use to determine whether to approve or deny your submission. Meanwhile, you should be ready to provide a lender with any requested information to ensure a seamless application process.

As a homebuyer, it is your responsibility to include accurate information on your mortgage application. In fact, failure to do so may cause a lender to reject your mortgage application. If you allocate the necessary time and resources to dot every I and cross every T on your mortgage application, you can boost the likelihood of a fast approval.

3. Shop Around

For homebuyers, it is crucial to check out all of the mortgage options that are available. If you meet with a variety of banks and credit unions, you can review myriad mortgage options and select a mortgage that complements your finances.

Banks and credit unions generally provide a broad array of fixed- and adjustable-rate mortgages. If you learn about all of the mortgage options at your disposal, you can find one that enables you to purchase your dream house without breaking your budget.

Of course, once you are approved for a mortgage and are ready to launch your house search, you may want to hire a real estate agent as well. A real estate agent will offer plenty of guidance at each stage of the homebuying journey. In addition, a real estate agent can make it easy for you to find a top-notch residence at a budget-friendly price in any housing market, at any time.

Start the mortgage application process today, and you can move one step closer to acquiring your dream residence.



175 N Main St, Deerfield, MA 01373

Single-Family

$325,000
Price

8
Rooms
4
Beds
2
Baths
Great location! Close to town, schools, area amenities, Mt Sugarloaf, and Rt 91. This 4 bedroom, 2 bath farmhouse located on beautiful North Main St in Deerfield has been well cared by one family for years with endless possibilities. Horses? A mini farm? Both would work here. Spacious 2.8 acre lot, attached carport garage, large attached barn, garden and farming options, and screened front porch for those relaxing days. Inside you will find a formal front entry with a large living room, 2 full baths, dining room, eat in kitchen, sun room, breezeway, side entry and back entry. Two sets of stairs take you to the second story where there are 4 bedrooms. Versatile space. Sunlit rooms. Enjoy a nice walk to town on a warm summer night. This gem of a property has so much to offer. Come see it today!
Open House
Saturday
March 16 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 175 N Main St, Deerfield, MA 01373    Get Directions

Similar Properties




175 N Main St, Deerfield, MA 01373

Single-Family

$325,000
Price

8
Rooms
4
Beds
2
Baths
Great location! Close to town, schools, area amenities, Mt Sugarloaf, and Rt 91. This 4 bedroom, 2 bath farmhouse located on beautiful North Main St in Deerfield has been well cared by one family for years with endless possibilities. Horses? A mini farm? Both would work here. Spacious 2.8 acre lot, attached carport garage, large attached barn, garden and farming options, and screened front porch for those relaxing days. Inside you will find a formal front entry with a large living room, 2 full baths, dining room, eat in kitchen, sun room, breezeway, side entry and back entry. Two sets of stairs take you to the second story where there are 4 bedrooms. Versatile space. Sunlit rooms. Enjoy a nice walk to town on a warm summer night. This gem of a property has so much to offer. Come see it today!
Open House
No scheduled Open Houses

Similar Properties



A porch is a lovely way to enjoy the outdoors. One of the best ways to maximize your outdoor time is to screen in these indoor/outdoor areas. You can completely transform your outdoor sitting area to an additional living area by enclosing your porch. 


Once the enclosure is set, what was simply an outdoor oasis will become an extension of your home. You’ll be able to decorate the room just as you would with any other part of the house.


Benefits Of A Screened In Porch Include:


  • Ability to enjoy the space in all weather
  • A place to entertain in all weather conditions
  • A shady spot in warmer temperatures
  • A way to keep pests like mosquitoes and flies out
  • Easy to maintain
  • Added value to your home
  • A way to maximize the use of all the areas of your home


Mother Nature can be unpredictable. If you enjoy being outdoors and you like entertaining, screening in your porch or deck can be one of the best improvements that you could make to your home. You can entertain without worry rain, wind or shine. You won’t need any fancy bug repellents, candles, or sprays to keep pests away. Screened in areas make life easier.  


What To Consider When Building An Enclosed Porch


Designing a porch enclosure can be tricky. You want it to look natural as if it has always been a part of the home. Done right, a screened in porch can be a beautiful addition to your home and really add to the overall look of the house. There are so many types of technology available today that you can bring all of the modern comforts with you to your season room. The screened in portion of the room will give you the best of both worlds. You can enjoy the sun with some built-in shade. You can use the room throughout the year, and you may even be able to add a heating system to the space for even more enjoyment. Don’t be hesitant to add a screened in enclosure if you really love the outdoors as it can only enhance your experience. 


The most important thing is that the enclosure is built with quality materials that match your home. The stronger the material, the more value the space will add to your home. You also want a durable material that will be low maintenance. The materials used shouldn’t be susceptible to warping or rotting. All you should worry about once a porch is screened in is caring for that room as you would any other room of the house.               

  




The amount of money you will need to ensure you can purchase a house varies based on a number of factors. For example, if you want to purchase a house in a big city, you may need to save more money than you likely would require to buy a residence in a small town. Meanwhile, your decision to choose a fixed-rate mortgage over an adjustable-rate mortgage – or vice-versa – can impact your monthly housing costs. And let's not forget about the costs of home utilities like electricity and water, either.

Ultimately, it helps to put together a homebuying budget before you embark on a house search. Because if you know how much money you have at your disposal, you can map out your house search accordingly. And as a result, you can minimize the risk of spending too much to acquire your dream residence.

Let's now take a look at three tips to help you craft an effective homebuying budget.

1. Evaluate Your Current Expenses

An in-depth assessment of your current monthly expenses is key. If you conduct an expense evaluation, you can find out how much you spend on various must-haves and wants. You then can take steps to reduce your monthly expenses and increase your savings for a new home.

It also never hurts to consult with a financial planner. If you have a financial planner at your side, you can gain expert insights to help you evaluate your current expenses. Plus, you can work with a financial planner to determine the best course of action so you can eventually buy your dream residence.

2. Get Pre-Approved for a Mortgage

Meet with a variety of banks and credit unions and explore your mortgage options – you will be happy you did. If you assess your mortgage options closely, you can find one that complements your finances. And once you get pre-approved for a mortgage, you will know how much you can spend on a house.

Generally, it is beneficial to meet with as many banks and credit unions as you can. If you consult with myriad lenders, you can receive extensive insights into many mortgage options. Best of all, you will be better equipped than ever before to find the lowest-possible interest rate on a mortgage.

3. Consider Your Down Payment Options

The down payment required for a home purchase varies, but it commonly ranges between 5 percent and 20 percent of a house's total price. If you account for a down payment as you craft a homebuying budget, you can use this total to plan ahead for the property buying journey.

Lastly, you may want to collaborate with a real estate agent as you prepare to launch a home search. In addition to helping you find your dream residence, a real estate agent can put you in touch with potential lenders and offer plenty of guidance throughout the property buying journey.

Ready to pursue a home? Use the aforementioned tips, and you create a successful homebuying budget.




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