CENTURY 21 C & S Properties | Stoughton Real Estate, Sharon Real Estate, Easton Real Estate



1345 Central St, Stoughton, MA 02072

Single-Family

$425,000
Price

8
Rooms
5
Beds
2
Baths
Price reduction for quick sale. Don't miss out!! completely renovated from top to bottom, inside and out by Gold Star Developers, New roof, windows, siding, electric, plumbing, heating. Brand new kitchen beautifully remodeled , stainless steel appliances ,granite counter tops, and cabinets. 2 full baths completely remodeled. Hardwood floors throughout. side entrance off kitchen to new trek deck and patio overlooking large private yard with over an acre lot. Nice new farmers porch out front. House set back from street with long driveway for plenty of parking. Great house for family with 5 bedrooms and located across the street from the west elementary school and walking distance to all other schools. close to highway, commuter rail, and cobbs corner shopping. Wont Last !!
Open House
Sunday
October 21 at 11:00 AM to 12:30 PM
Cannot make the Open Houses?
Location: 1345 Central St, Stoughton, MA 02072    Get Directions

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Your credit score is a fundamental component of a mortgage lender’s decision to approve you for a loan. It can also affect the interest rate and loan amount you can secure.

Along with your income history and down payment, a solid credit score is one of the three most important things you’ll need when it comes to buying a home.

Credit scores themselves, however, can be a complicated business. And finding out what score you need to buy a home and how to achieve that score can also be a complex topic.

So, in this post we’re going to break down some credit score basics as they relate to buying a home.

Types of credit scores

You may have heard of the three main credit bureaus, TransUnion, Experian, and Equifax. Each of these bureaus keeps a detailed credit history for everyone in America (except for those who have yet to open a line of credit or take out a loan).

Since each credit bureau may have slightly different information available data to draw from, your credit scores from each company may vary.

However, when it comes to buying a home, most lenders use a standard scoring model called a FICO score to ensure that all mortgage applicants are treated fairly when they seek a loan.

Things are further complicated by the fact that there are several different FICO scoring models designed for different types of credit. So, if you’ve seen your FICO score when applying for an auto loan, it may be a different score than you will see when applying for a mortgage.

Build credit; raise your credit score

All of the types of credit scores and scoring models can be confusing. But what you mostly need to worry about is how to boost your score.

Your credit score will be based on five main factors:

  1. Making on-time payments

  2. The percentage of available credit (not maxing out your cards)

  3. Having diverse types of credit (auto loans, student loans, credit cards, etc.)

  4. Not opening new lines of credit frequently (a red flag that you’re struggling financially)

  5. The length of your credit history, or how long you’ve been consistently paying your bills

What score do you need to buy a home?

There are several different mortgage types available for buyers. First-time homeowners, veterans, people seeking to buy a home in a rural area, and any other number of circumstances can help you qualify for mortgages even if you have a low credit score.

A general rule, however, is that it’s always better to apply for a mortgage with a high credit score to help you secure the best possible interest rate. 

Some programs do have minimum credit scores that they will accept for a mortgage. FHA loans are one common example. The Federal Housing Authority guarantees loans for people across the country who are hoping to buy their first home (or who haven’t owned a home in the last three years). Their guarantee is what enables lenders to safely approve mortgages for borrowers with low credit scores. The current requirement for an FHA loan is a credit score of 580 or higher for a mortgage with a 3.5% down payment. You can secure an FHA loan with a lower credit score, but you’ll have to make a larger down payment.


There are several other options available for hopeful homeowners when it comes to mortgages. But, if you aren’t planning on moving in the next few months and your credit score could use some work, now is the time to start focusing on building credit.



19 Meadowood Dr, Stoughton, MA 02072

Rental

$2,200
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Greenbrook Aspen Style Townhouse with 6 rooms, 2 bedrooms + Den (or Office / guest room), 1 1/2 bath. Balcony of Master Bedroom. Fenced in patio, newer windows. One car detached garage and one deeded parking spot. Tons of amenities including outdoor pools, tennis court, playground, and clubhouse. Beautifully maintained grounds and just minutes to highway, shopping & dining! Location gives easy access to major highways and Stoughton/Canton commuter rails.
Open House
No scheduled Open Houses

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13 McAuliffe Road, Randolph, MA 02368

Single-Family

$339,921
Price

8
Rooms
3
Beds
1
Baths
**JUST REDUCED AGAIN! "BEST BUY IN RANDOLPH!!"-"HARDWOOD FLOORS" Just BEING REVEALED for the 1st TIME at SUNDAY'S 10/14 OPEN HOUSE 12:30-2:00!!(New Photos to come!) PRICED TO SELL-ALL OFFERS DUE BY TUESDAY,10/16/18 12NOON. **GREAT SIDE STREET LOCATION** Near ROUTES 28 & 139 & Close to RESTAURANTS, SHOPPING, BOSTON & NEAR BRAINTREE LINE!! **WELL-MAINTAINED/ONE OWNER"-3 BEDROOM RANCH w/ADDED LARGE OPEN FAMILY ROOM! THIS HOME FEATURES LOW-MAINTENANCE VINYL SIDED EXTERIOR, VINYL REPLCMT WINDOWS, & CENTRAL A/C!! SPACIOUS 18' x11' LIVING RM w/FIREPLACE. PROFESSIONALLY LANDSCAPED FRONT & BKYARD!! Needs some Updating...GREAT BONES-MAKE IT YOUR OWN!! HARDWOOD FLOORS Under most UPSTAIRS CARPETS(per Sellers). PERFECT HOME TO EXPAND, or GREAT FOR DOWN SIZERS. HUGE Partially FINISHED "WALK-OUT" BSMT with GAME/MEDIA ROOM & BAR Plus EXTRA CLOSETS! HAS SPACIOUS UTILITY RM w/WORKSHOP Area. 2 EXTRA BSMT STORAGE RMS & FENCED IN BACKYARD!!
Open House
Sunday
October 14 at 12:30 PM to 2:00 PM
OPEN HOUSE this SUNDAY From 12:30-2:00- UNVEILING THE JUST REFINISHED & VARNISHED "HARDWOOD FLOORS" throughout most of the MAIN LEVEL.(Old Carpets have been removed!) NEW PICTURES TO FOLLOW SOON!! WHAT A DIFFERENCE. BRING YOUR BUYERS TO SEE THIS VERY SPACIOUS RANCH W/LOTS OF POTENTIAL!! PLEASE CALL OR TEXT ME IF YOU ARE SENDING YOUR BUYERS SO I CAN HONOR THEM.
Cannot make the Open Houses?
Location: 13 McAuliffe Road, Randolph, MA 02368    Get Directions

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13 McAuliffe Road, Randolph, MA 02368

Single-Family

$347,921
Price

8
Rooms
3
Beds
1
Baths
"HARDWOOD FLOORS" Just REVEALED for the 1st Time at SUNDAY'S 10/14 OPEN HOUSE 12:30-2:00!!(New Photos to come!)*GREAT SIDE STREET LOCATION** Near ROUTES 28 & 139 & Close to RESTAURANTS, SHOPPING, BOSTON & NEAR BRAINTREE LINE!! **WELL-MAINTAINED/ONE OWNER"-3 BEDROOM RANCH w/ADDED LARGE OPEN FAMILY ROOM! THIS HOME FEATURES LOW-MAINTENANCE VINYL SIDED EXTERIOR, VINYL REPLCMT WINDOWS, & CENTRAL A/C!! SPACIOUS 18' x11' LIVING RM w/FIREPLACE. PROFESSIONALLY LANDSCAPED FRONT & BKYARD!! Needs some Updating...GREAT BONES-MAKE IT YOUR OWN!! HARDWOOD FLOORS Under most UPSTAIRS CARPETS(per Sellers). PERFECT HOME TO EXPAND, or GREAT FOR DOWN SIZERS. HUGE Partially FINISHED "WALK-OUT" BSMT with GAME/MEDIA ROOM & BAR Plus EXTRA CLOSETS! HAS SPACIOUS UTILITY RM w/WORKSHOP Area. 2 EXTRA BSMT STORAGE RMS & FENCED IN BACKYARD!! DON'T MISS OUT ON THIS GREAT OPPORTUNITY TO OWN A HOME IN A "WONDERFUL NEIGHBORHOOD!!!!"
Open House
Sunday
October 14 at 12:30 PM to 2:00 PM
OPEN HOUSE this SUNDAY From 12:30-2:00- UNVEILING THE JUST REFINISHED & VARNISHED "HARDWOOD FLOORS" throughout most of the MAIN LEVEL.(Old Carpets have been removed!) NEW PICTURES TO FOLLOW SOON!! WHAT A DIFFERENCE. BRING YOUR BUYERS TO SEE THIS VERY SPACIOUS RANCH W/LOTS OF POTENTIAL!! PLEASE CALL OR TEXT ME IF YOU ARE SENDING YOUR BUYERS SO I CAN HONOR THEM.
Cannot make the Open Houses?
Location: 13 McAuliffe Road, Randolph, MA 02368    Get Directions

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