Christine Reilly
ERA Key Realty Services | 508-615-1526 | [email protected]


Posted by Christine Reilly on 6/11/2019

If you are thinking of buying a home in the near future, thereís one three-digit number that could be oh so important to you. That number is your credit score. Read on to find out how a credit score can affect you and the steps you can take to be sure that your credit is in good standing when you head to apply for a mortgage. 


What Is A Credit Score?


Your credit score is checked by lenders of all kinds. Every time you apply for a loan or a credit card, thereís a good chance that your credit score is being pulled to see if you qualify for the loan. Your credit score is calculated based on the information on your credit report. This information includes:


Payment history

Debt-to-credit ratio

Length of credit history

New credit accounts opened


The areas with the most impact on your score is your payment history and your debt-to-credit ratio. This means that on-time payments are super important. You also donít want to get anywhere close to maxing out your credit cards or loan amounts to keep your score up. 


Whatís A Good Score?


If youíre aiming for the perfect credit score, itís 850. Most consumers wonít reach that state of perfection. Thatís, OK because you donít have to be perfect to buy a house. If your score is 740 and above, know that youíre in great shape to get a mortgage. Even if your score is below 740 but around 700 or above, youíll be able to get a good interest rate on your mortgage. Most lenders typically look for a score of 620 and above. Keep in mind that the higher your credit score the better your interest rate will be.    



What If You Lack Credit History?


Most people should get a credit card around age 20 in order to begin building credit. You can still qualify for a mortgage without a credit history, but it will be considerably harder. Lenders may look at things like your rent payments or car payments. Lenders want to know that youíre a responsible person to lend to. 


What If Your Score Needs Help?


It doesnít mean youíre a hopeless case if you lack good credit. Everything from errors on your credit report to missed payments can be fixed. The most important thing that you can do if youíre buying a home in the near future is to be mindful of your credit. Keep an eye on your credit report and continue to make timely payments. With a bit of focus, youíll be well on your way to securing a mortgage for the home of your dreams.        






Tags: Mortgage   credit score  
Categories: Uncategorized  


Posted by Christine Reilly on 6/4/2019

This Single-Family in Worcester, MA recently sold for $244,000. This Ranch style home was sold by Christine Reilly - ERA Key Realty Services.


33 2Nd St, Worcester, MA 01602

Single-Family

$239,000
Price
$244,000
Sale Price

5
Rooms
3
Beds
2
Baths
This newly renovated home originally built in 1985 is located in Worcester County on a quiet and peaceful street. Along with the kitchen, dining, and spacious living area, the home provides three bedrooms and a full bath on the first floor. In addition, the basement has been upgraded and is functionally available to be used as a family area with an extra storage room, including a laundry room closet and another full bath. This home also contains a garage with plenty of extra parking spaces. Come and see this hidden move-in ready home!

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Categories: Sold Homes  


Posted by Christine Reilly on 6/4/2019


114 Putnam Hill Rd, Sutton, MA 01590

Single-Family

$569,900
Price

9
Rooms
4
Beds
3/1
Full/Half Baths
Dream home in a Dream location! Beautiful Home with an amazing floor plan ready to welcome the next generation! This well-maintained colonial features 9 ft Ceilings, 2-story foyer, fireplace, C/A, 3 finished living levels, open floor plan, lush green grounds, and super convenient location minutes to schools, shopping, and major routes. The first level features a cabinet-packed eat-in kitchen with granite counter-tops, huge center island, &bonus room. The kitchen is open to a dining area and generous cathedral ceiling family room w/ cozy fireplace, & deck access. Laundry room, 1/2 bath, formal living room, generous foyer, & home office complete this first level. The second story features 4 generous sized bedrooms including a Master Suite w/ double walk-in closets, private sitting room, and private full bath. The finished lower level includes 3rd full bath, exercise area, & bonus room w/ dbl sliders to backyard. All this plus an A/G heated pool for the Sunny Summer Days ahead!
Open House
Sunday
June 09 at 12:00 PM to 2:00 PM
Please join me Sunday to view this amazing home! Perfect for young, growing, or extended families!!
Cannot make the Open Houses?
Location: 114 Putnam Hill Rd, Sutton, MA 01590    Get Directions

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Categories: Open House  


Posted by Christine Reilly on 6/4/2019

Whether youíre a movie buff, like playing the latest video games, or just appreciate high-quality video and audio when youíre binging shows in Netflix, your experience can be greatly enhanced with a home theater system.

 Technologies are ever-changing when it comes to home audio and video. The quality of DVDs now seems laughable next to 4K resolution HD videos. Similarly, bulky home audio systems that once required several huge speakers have been reduced to small ďsound barsĒ that sound excellent and take up hardly any room at all.

 If youíd like to turn your living room, basement, or any other room in your home into a home theater, read on.

Location of your home theater

The obvious choice for many when it comes to choosing a location for their home theater is the living room. And that might make the most sense for people who have small or mid-sized houses who spend much of the time in their living room.

However, if youíre looking for an immersive, distraction-free viewing experience, you may want to consider other rooms in your house, such as a finished basement or office.

What youíll need

 If youíre starting from scratch, youíll need to invest some time and money in your home theater. First, youíll need an HDTV or projector and screen. Projectors can be a fun way to achieve the movie theater experience and are particularly useful in large rooms where youíre sitting far from the screen. However, quality projectors are quite pricey ($600 or more, not including the cost of a screen).

Choosing a television

If you go the television route, you have several options. Shopping for a TV is no easy feat. There are LED, OLED, 4K Ultra, and curved televisions. If youíre looking for the highest video quality and plan on streaming HD video with a high resolution, a 4K Ultra would be the best option.

 However, if you arenít particular about video quality and will be happy with anything that plays your old DVD collection, most LED televisions will do the trick at an affordable price point.

 Home audio

When it comes to audio quality, you might be surprised with the variety of systems on the market.

For the classic home theater experience, a multi-speaker surround sound system is the closest youíll get to the cinematic experience. Since the rise of the sound bar, home theater systems have become much more affordable.

However, with most surround sound systems youíll need to buy a receiver. Youíll need to set it up and find a place to put it (they tend to be pretty large).

If you donít want to go through the trouble of installing speakers around the room and finding a place for a big audio receiver, a sound bar could be a great alternative. Starting at around $100 and scaling up to $1,000 depending on your audio quality needs.

Most decent sound bars come with a small subwoofer, but other than that they are small, lightweight and typically Bluetooth-ready, so you can just plug them in and start listening.




Categories: Uncategorized  


Posted by Christine Reilly on 6/3/2019


114 Putnam Hill Rd, Sutton, MA 01590

Single-Family

$569,900
Price

9
Rooms
4
Beds
3/1
Full/Half Baths
Dream home in a Dream location! Beautiful Home with an amazing floor plan ready to welcome the next generation! This well-maintained colonial features 9 ft Ceilings, 2-story foyer, fireplace, C/A, 3 finished living levels, open floor plan, lush green grounds, and super convenient location minutes to schools, shopping, and major routes. The first level features a cabinet-packed eat-in kitchen with granite counter-tops, huge center island, &bonus room. The kitchen is open to a dining area and generous cathedral ceiling family room w/ cozy fireplace, & deck access. Laundry room, 1/2 bath, formal living room, generous foyer, & home office complete this first level. The second story features 4 generous sized bedrooms including a Master Suite w/ double walk-in closets, private sitting room, and private full bath. The finished lower level includes 3rd full bath, exercise area, & bonus room w/ dbl sliders to backyard. All this plus an A/G heated pool for the Sunny Summer Days ahead!
Open House
Sunday
June 09 at 12:00 PM to 2:00 PM
Please join me Sunday to view this amazing home! Perfect for young, growing, or extended families!!
Cannot make the Open Houses?
Location: 114 Putnam Hill Rd, Sutton, MA 01590    Get Directions

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Categories: New Homes  




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