Brenda Titus REALTOR® Broker/Owner - CENTURY 21 Classic Gold



Posted by Brenda Titus REALTOR® Broker/Owner on 1/25/2021

While buying a home is a huge decision that should entail a lot of planning and preparation, applying for a mortgage can be surprisingly easy. Just like with other lenders and creditors, a mortgage lender will want to know that letting you borrow money will be a safe investment. Applying for a mortgage is all about ensuring just that.

In today’s post, we’re going to breakdown the home loan application process to help you have the best chances at a smooth and successful mortgage approval. We’ll also define some of the common terms used in mortgages that might leave you scratching your head so you have a better idea of what your options are.

Prequalification and Preapproval

Getting prequalified and preapproved for a mortgaged can both be helpful steps toward securing your home loan. The two terms mean two entirely different things, however.

In order to be prequalified for a mortgage, you typically need to only fill out a simple form (sometimes directly through a lender’s website). On this form, you won’t need to provide specifics or official documents.

Why is this process so simple? Well, that’s because getting prequalified for a loan doesn’t ensure that you’ll actually receive one. Rather, it is simply the first step toward finding out what type of mortgage and interest rates you could receive.

The next step after prequalification is preapproval. To get preapproved, you’ll have to fill out an official mortgage application. Your lender of choice will request a few pieces of information from you, including tax returns, proof of employment for the last two years, and a list of your debts. The lender will also perform a credit check to determine your loan eligibility.

Credit report

At this phase, lenders will also run your credit report. This is a type of “hard credit inquiry” that details your payment history, the number of accounts you have open, and other factors that help make up your credit score.

To secure the lowest interest rate possible, it helps to have a high credit score. So, in the years and months leading up to your mortgage application, focusing on building credit will pay off.

To increase your credit score, you’ll need to focus on paying your bills on time each month. You should also avoid opening new accounts within a few months of applying for a mortgage because this will count as a new credit inquiry. New credit inquiries--including applying for a mortgage--lower your score temporarily, so it’s best to avoid them when possible.

Additional paperwork required for mortgage applications

Not every mortgage application will be the same. Depending on the type of income you receive, you may need to provide different forms of income verification.

Each person will also have to claim different debts and assets. When buying a home with a spouse or partner, it’s important to consider your debts, assets, and credit scores to determine if it’s better to apply jointly or separately.





Posted by Brenda Titus REALTOR® Broker/Owner on 1/22/2021

This Single-Family in Plymouth, MA recently sold for $873,000. This Colonial style home was sold by Brenda Titus REALTOR® Broker/Owner - CENTURY 21 Classic Gold.


33 Hayden Ridge, Plymouth, MA 02360

Single-Family

$825,000
Price
$873,000
Sale Price

11
Rooms
5
Beds
3/1
Full/Half Baths
OPEN HOUSE SAT. 12/5 11-2:00. HAYDEN HOLLOW - in the heart of desirable CHILTONVILLE - on a retreat setting with over 5 acres of privacy. This spacious custom built Colonial has all the extras. The kitchen is sure to impress w/ center island, breakfast nook, granite & upgraded stainless appliances. Open floor plan flows beautifully to the fireplaced family room, perfect for entertaining! Spacious dining room & great home office with built-ins. The 2nd floor offers 20' Master Bedroom suite w/ full bath & double walk-in closets, PLUS 3 bedrooms, full bath with double sinks & 2nd fl laundry. The IN-LAW apartment features over 700 sf with open center-isle kitchen & living room, bedroom & full bath, separate entrance (chair lift can stay). Details throughout the home include crown moldings, built-ins & gleaming hardwood floors. Large deck overlooks heated inground salt water pool & great backyard. Extended family situations should be sure to check this home out. So much is offered here!

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Categories: Sold Homes  


Posted by Brenda Titus REALTOR® Broker/Owner on 1/18/2021

Photo by Monika Grabkowska on Unsplash

Potatoes go well with almost any main course you serve for dinner, which makes them one of the most common side dish ingredients. If you’re looking for something different to make instead of the usual mashed potatoes or baked potatoes, consider these easy side dish recipes.

Roasted Potatoes with Garlic

The garlic in this recipe adds a tasty kick to regular roasted potatoes that goes well with chicken, steak and many other main courses. To make this side dish recipe, you’ll need the following ingredients:

  • 2 lbs potatoes
  • 2 tbsp olive oil or canola oil
  • 1 tsp sea salt
  • 2 tbsp minced garlic
  • 3/4 tsp black pepper
  • 2 tbsp chopped parsley

Before preparing your ingredients, preheat your oven to 400 degrees and lightly coat a baking sheet with non-stick cooking spray. Cut the potatoes into 1-inch cubes, then place them on the baking sheet in one layer. Drizzle the canola or olive oil over the potatoes, then add the garlic, salt and pepper for seasoning. Roast the potatoes in the oven for 45 to 55 minutes. While they’re roasting, flip the potato pieces around from time to time. Your potatoes should be golden when they’re done. Take the potatoes out of the oven, then add salt and pepper for more seasoning if desired. Add the parsley to the potatoes before serving.

Cheesy Slow Cooker Potatoes

This is the perfect recipe when you don’t want to spend a lot of time cooking. Just put the ingredients in your slow cooker, and you’ll have a delicious side dish ready to serve with your main course. You’ll need to gather these ingredients for this recipe:

  • 2 lbs baby potatoes
  • 3 cups shredded cheddar cheese
  • 2 cloves thinly sliced garlic
  • 8 slices of cooked bacon
  • 1/4 cup sliced green onions
  • 1 tbsp paprika
  • Salt and pepper
  • Sour cream

Place a layer of foil inside your slow cooker to make it easier to clean up, then spray the foil with non-stick cooking spray. Cut the baby potatoes into quarters, and cook the bacon on the stove. Add half of the garlic and potatoes to the slow cooker, then add 1 1/4 cups of the cheese, 1/3 of the bacon and half of the paprika and green onions. Use salt and pepper for seasoning, then repeat the previous step with the same amounts of the main ingredients. Cover the slow cooker, and cook on a high setting for about 5 to 6 hours. The potatoes should be tender when they’re fully done. Keep in mind that you’ll need to cook longer if you have larger potato pieces. Top the potatoes with the rest of the bacon and cheese about 30 minutes before dinner. Add more green onions if desired for flavor, then drizzle sour cream on the potatoes before you serve them.




Tags: recipes   Cooking   dinner  
Categories: Uncategorized  


Posted by Brenda Titus REALTOR® Broker/Owner on 1/14/2021


Lot 1 Rocky Meadow St., Middleboro, MA 02346

Single-Family

$569,900
Price

7
Rooms
3
Beds
2/1
Full/Half Baths
NEW CONSTRUCTION PACKAGE- Construction scheduled to start in February. This quality built "Valente" home will feature open floor plan, center-isle kitchen with granite countertops, stainless appliances and walk-in pantry! Premiere grade hardwood floors and stairway, 2nd floor laundry. Master bedroom has walk-in closet plus separate office space. Two additional ample sized bedrooms. Nestled on a beautiful country lot, just minutes to shopping, highways, and amenities. Photos are facsimiles of recently completed homes.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Brenda Titus REALTOR® Broker/Owner on 1/13/2021


35 Kingfisher Lane, Plymouth, MA 02360

Chiltonville

Single-Family

$784,500
Price

10
Rooms
4
Beds
3/1
Full/Half Baths
Open house Sunday 12-2. Impressive expanded Cape style home with frontage on Russell Mills Pond in Chiltonville! Light and bright spacious open concept living, great for entertaining. Kitchen offers large center island with granite and SS appliances opens to living room and family room both with gas fireplaces and sliders to deck. Convenient dining room off kitchen and butler's pantry makes for easy family dinners. Beautiful first floor master suite offers gas fireplace, large walk in closet and master bath with soaking tub. Deck overlook picturesque backyard with gorgeous patio and pond views! Second floor offers 3 good size bedrooms, 2 full baths and large bonus room over garage! Central air, irrigation, 2 car side entry garage, tons of closet space and owned solar panels all add to the great features this loved home offers. Don't wait!
Open House
Sunday
January 17 at 12:00 PM to 2:00 PM
No appointment needed. All covid protocol rules will be followed.
Cannot make the Open Houses?
Location: 35 Kingfisher Lane, Plymouth, MA 02360    Get Directions

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Categories: Open House  




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