Home buyer Credit Caution
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Nora McKay of radius shares some sage advice for home buyers that they may not be aware of. When applying for a mortgage and buying a home you must take care to protect your credit! Presented by Lesley Lambert of Park Square Realty in Westfield, MA 01085
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This document provides a list of 10 actions that could negatively impact or delay a mortgage approval process. Specifically, it advises mortgage applicants not to open or close lines of credit, pay bills late, ignore questions from lenders, allow unauthorized credit checks, make large non-paycheck deposits, co-sign other loans, change bank accounts, take out payday loans, make large purchases, or change jobs during the mortgage approval process.
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UK SME business finance from £5,000 to £250,000. Rapid in principle decision.
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This document provides a list of 10 actions that could negatively impact or delay a mortgage approval process. Specifically, it advises mortgage applicants not to open or close lines of credit, pay bills late, ignore questions from lenders, allow unauthorized credit checks, make large non-paycheck deposits, co-sign other loans, change bank accounts, take out payday loans, make large purchases, or change jobs during the mortgage approval process.
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The document is an advertisement for Bank of the West that offers a $100 bonus for opening a new personal checking account and meeting specific requirements. It promotes the bank's customer service and encourages customers to open an account by February 19th to receive the bonus after setting up direct deposit of $250 or paying 10 bills online within 60 days. The ad provides contact information for a local branch and lists some checking account options.
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This document appears to be a presentation on recent legal changes in China. It discusses changes to China's Labor Law, Trademark Law, and Company Law. Specifically, it examines amendments to the Chinese Corporate Law that make forming entities cheaper and give more flexibility in management by removing requirements such as minimum registered capital, capital verification reports, and annual government audits. It also presents a case study on terminating a general manager.
Procedure for payday refund
People with debts from payday loans are entitled to compensation claims due to a 2015 law change. It is possible to get refunds for the interest accrued on payday loans, making one free of high interest rates. We will appeal to the lenders and take difficult cases to the Ombudsman, who supports customers in 70% of payday loan cases. The Ombudsman can instruct lenders to refund all interest charges beyond 8% and only require repayment of the original principal borrowed amount. We will work relentlessly and confidentially to achieve favorable outcomes for payday loan refund claims.
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latter of credit
A letter of credit is a document issued by a bank that guarantees payment to the seller if the buyer is unable to pay. There are typically four parties involved: the importer/buyer, the issuing bank, the exporter/seller, and the paying bank. The key benefits are payment protection for the exporter and deferred payment for the importer until goods are shipped. The process involves the importer applying for a letter of credit from the issuing bank, which then issues and advises the letter of credit to the exporter's bank. The exporter then ships the goods and submits documents to receive payment through the issuing bank.
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Logbook Loans UK offers loans of £500-£50,000 secured against the logbook of a vehicle less than 8 years old, with no credit checks. The application process is simple, requiring only an online form, and loans can be approved for those with a poor credit history. Borrowers must be employed full-time and listed as the owner on the vehicle's logbook. Applying allows access to funds that can help cover unexpected bills or expenses.
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This document summarizes the services provided by a credit repair company. It outlines what can typically be removed from credit reports such as bankruptcies, foreclosures, and tax liens. It guarantees credit score improvements within 90 days or a full refund and promises to re-remove any items that reappear for free. However, it cannot guarantee specific outcomes or timelines due to legal restrictions. The company claims to have extensive experience using the Fair Credit Reporting Act to dispute inaccurate items on reports.
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Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Escrow Explained
Escrow is a neutral third party that facilitates the closing of a real estate transaction. The escrow holder ensures all terms of the sale are met before finalizing the sale, including receiving funds, completing paperwork, and obtaining clear title for the buyer. Upon completing all closing instructions, the escrow holder will collect outstanding fees, pay off loans, and transfer title to finalize the sale. Communication between all parties, securing homeowners insurance in advance, avoiding large financial changes, and allowing time for closing steps are tips for a successful closing.
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🏡 Attention Sellers in Feeding Hills, MA 01030! 🏡 This is your real estate ma...
🏡 Attention Sellers in Feeding Hills, MA 01030! 🏡
📅 June 2023 Market Update 📅
✨ Lesley Lambert, REALTOR® at Park Square Realty, here to provide you with the latest market trends! ✨
📊 Currently, Feeding Hills has a 1.07 Months Supply of Inventory, indicating a strong seller's market. This means your home could sell quickly! 🏠
📉 Over the last 12 months, Months Supply of Inventory has decreased by an impressive -45.13%. This suggests a high demand for homes in the area. 📈
💰 The List to Sold Price percentage is at a remarkable 103.9%. This indicates that homes in Feeding Hills are selling close to or even above their list price. 💲
⏰ The median days on market is just 15 days, which means properties are selling fast! ⚡️
💵 The median sold price in Feeding Hills is currently $385,000. This shows a strong and stable market for sellers. 💪
🔍 If you're considering selling your home, now is a fantastic time to take advantage of these market conditions. Contact me, Lesley Lambert, your trusted REALTOR®, to discuss how to maximize the value of your home in this competitive market. 📞413-575-3611
🌟 Don't miss out on this opportunity! Let's work together to make your real estate goals a reality. 🌟
#FeedingHillsRealEstate #MarketUpdate #SellersMarket #LesleyLambertRealtor #ParkSquareRealty
Real Estate Market Trends for Southwick, MA July 2023 by Lesley Lambert, Sout...
🏡📈📊 Exciting Real Estate Market Update in Southwick, MA! 📊📈🏡
👉 Hello Sellers! Lesley Lambert, REALTOR® from Park Square Realty here, bringing you the latest market trends in Southwick, MA. Stay informed, make the right moves, and maximize your selling potential! Let's dive in! 👇
📅 Date: June 2023
🔎 Did you know? Currently, Southwick, MA has a low inventory with only 1.57 Months Supply of Inventory. But wait, there's more! Over the last 12 months, Months Supply of Inventory has experienced a significant decrease of -35.66%! This means the market is heating up, creating more opportunities for sellers like you! 🔥
💲💯 Speaking of opportunities, the List to Sold Price percentage is a remarkable 100.6%! This indicates that homes in Southwick are selling close to or even above the listing price. It's an excellent time to maximize your investment and get the most out of your property! 💰💪
⏳ On average, homes in Southwick are spending just 22 days on the market before being sold. This median days on market indicator highlights the high demand and fast-paced nature of the current real estate scene. Act swiftly, and let's get your home sold in no time! 🚀⌛
📈💵 Lastly, the Median Sold Price in Southwick is $537,950. This figure represents the midpoint of all home sales in the area. Keep in mind that every property is unique, and factors like location, size, and condition can influence the final sale price. Let's work together to determine the best value for your home! 💼💰
🤝💼 Ready to make a move? Whether you're upsizing, downsizing, or simply looking for a change, I'm here to guide you through the dynamic Southwick, MA real estate market. Contact me, Lesley Lambert, your trusted REALTOR®, at Park Square Realty, and let's discuss your selling goals today! 📞🗝️
#SouthwickRealEstate #MarketTrends #SellingOpportunities #RealEstateExpert #ParkSquareRealty #LesleyLambertRE #YourTrustedREALTOR
Real Estate Market Report - July 2022
Here are some statistics from the end of July 2022 on the status of the real estate market in Westfield, Massachusetts 01085. Provided by Lesley Lambert, Westfield REALTOR with Park Square Realty. 413-575-3611
www.westernmahomes.net
5 Ways to Write a Winning Offer in Today’s Real Estate Market in Western Mass...
Fortunately, if you’re a buyer struggling to find a home in Western Massachusetts, I have some good news. While it’s true that higher mortgage rates can decrease your purchasing budget, there are additional ways to compete in a hot market.
WILL WE SEE MORE INVENTORY THIS SPRING?
For the last number of decades, the real estate market has been broken down into seasons with spring reigning as the best time to sell a home. Traditionally, that’s how it’s been. But there’s a big shift happening now.
Recent years have seen that seasonality blur as more and more people decide to buy or sell a home no matter what time of year it is.
What we do know is that while we’ll probably see more homes hit the market this spring, supply is still too low to keep up with demand.
So, even if more homes do come on the market compared to previous months, there are plenty of willing and ready buyers waiting on the sidelines to scoop them up.
Full story at: www.westernmahomes.net
Southwick, MA 01077 Real Estate Market Report | November 2021 | Lesley Lamber...
The document provides a real estate market report for Southwick, Massachusetts in November 2021. It includes statistics on estimated home values such as the median value of $355k, percent changes in value over various time periods, sales price data with a median of $400k for the past six months. It also gives information on new and pending listings including median listing prices.
Westfield, MA Real Estate Market Report March 2021-Sept 2021
Westfield, MA Real Estate Market Report March 2021-Sept 2021
by Lesley Lambert, Westfield REALTOR with Park Square Realty 413-575-3611
Could Rising Home Prices in Western Massachusetts Impact Your Net Worth?
Could Rising Home Prices in Western Massachusetts Impact Your Net Worth?
Read this and request a copy of the worksheet to determine the impact of Western MA real estate prices on your personal net worth.
www.westernmahomes.net
Lesley Lambert, Western MA REALTOR with Park Square Realty
413-575-3611
Open House at Stoney Hill Condominiums - 419 Southwick Rd, C10, condo for sale
Visit the beautiful grounds of Stoney Hill Condominiums and tour this condominium for sale at 419 Southwick Road, C10, Westfield, MA. Open Sunday August 11, 2019 from 1-2:30pm. Represented by Westfield REALTOR, Lesley Lambert with Park Square Realty 413-575-3611
Westfield, MA 01085 Real Estate Market Report March 2018
Lesley Lambert, Westfield REALTOR with Park Square Realty offers this real estate market report for March 2018. Learn what is happening in Westfield's real estate market. Prepared by Lesley Lambert, Westfield REALTOR.
Southwick, MA 01077 Real Estate Market Report by Lesley Lambert, Southwick RE...
Get the updated information on the real estate market in Southwick, MA 01077 prepared by Southwick REALTOR, Lesley Lambert with Park Square Realty.
www.westernmahomes.net
Why are you paying rent?
Do you want to pay your landlord's mortgage or your OWN?
Did you know that you could possibly own a home for less than you are paying in rent?
It is TRUE and I can help!
Lesley Lambert, Western MA REALTOR with Park Square Realty
413-575-3611
#westernma #westernmass #realestate #homeowner #buyingahome #lesleylambert #parksquarerealty
Top 5 Home Design Trends of 2017 in Western MA and beyond!
The current trends are all about utilizing rich color, maximizing texture and creating comfortable interiors you can’t wait to relax in. Use these trends to get inspired to makeover your home’s interiors and create spaces you love that also appeal to your personal style. Remember, if you plan to sell in the next few years, you may want to avoid doing anything dramatic and instead incorporate small changes that would appeal to buyers.
www.westernmahomes.net
#westernma #westernmass #realestate #design #renovations #lesleylambert #parksquarerealty #homeimprovements
Southwick, MA 01077 - NEIGHBORHOOD REPORT - May 2017
Get the current housing statistics, sales history, population information, economic statistics. quality of life and more on the town of Southwick, MA 01077
www.westernmahomes.net
#southwick #westernma #westernmass #realestate
Westfield, MA 01077 NEIGHBORHOOD REPORT May 2017
Get the current housing statistics, sales history, population information, economic statistics. quality of life and more on the City of Westfield, MA 01085
www.westernmahomes.net
#westfield #westernma #westernmass #realestate
Stoney Hill Condominiums, Westfield MA Active Listings April 2017
As of April 14, 2017 there are five condominiums available for sale in Stoney Hill Condominiums at 419 Southwick Rd, Westfield, MA 01085. The units range in style: one ranch style, three Cape style townhouses and one Gambrel style townhouse.
#stoneyhill #condominiums #westernma #westfield #realestate #forsale
Westfield, MA 01085 Real Estate Market Report January / February 2017
The document provides a real estate market report for Westfield, MA for January/February 2017. It includes data on median home sales prices, housing inventory, and demographic information for the area. Charts show trends in home values, sales, listings, and other housing and economic data for the neighborhood. The report also provides details on 20 newly listed properties on the market.
459 Springdale Rd, Westfield, MA 01085 Open House
First chance to view this great new home for sale in Westfield, MA is at the open house January 21 1-2:30pm. Hosted by Lesley Lambert, Westfield REALTOR with Park Square Realty.
459Springdale.TheBestListing.com
#westfield #westernma #realestate
Mid Year Real Estate Market Report - Westfield, MA 01085
Are you curious about the real estate market in Westfield, MA 01085? Lesley Lambert, Western MA REALTOR with Park Square Realty in Westfield has compiled a mid year real estate market report for the residents of Westfield, MA.
If you are considering making a real estate move in Westfield, let Lesley assist you! She is the top agent at the Park Square Realty Westfield office and a 28 year real estate professional!
www.westernmahomes.net #westfield #westernma #realestate
Horse lovers, take note! Acreage, house, garage & barn for sale! 109 Sackett ...
109 Sackett Road, Westfield, MA 01085 is a house filled with updates and upgrades set on 6.3 acres of level land with an oversized 2 car garage & loft and a beautiful barn.
www.westernmahomes.net
#westernma #realestate #westfield #horseproperty
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🏡 Attention Sellers in Feeding Hills, MA 01030! 🏡 This is your real estate ma...
🏡 Attention Sellers in Feeding Hills, MA 01030! 🏡 This is your real estate ma...
Real Estate Market Trends for Southwick, MA July 2023 by Lesley Lambert, Sout...
Real Estate Market Trends for Southwick, MA July 2023 by Lesley Lambert, Sout...
5 Ways to Write a Winning Offer in Today’s Real Estate Market in Western Mass...
5 Ways to Write a Winning Offer in Today’s Real Estate Market in Western Mass...
Southwick, MA 01077 Real Estate Market Report | November 2021 | Lesley Lamber...
Southwick, MA 01077 Real Estate Market Report | November 2021 | Lesley Lamber...
Westfield, MA Real Estate Market Report March 2021-Sept 2021
Westfield, MA Real Estate Market Report March 2021-Sept 2021
Could Rising Home Prices in Western Massachusetts Impact Your Net Worth?
Could Rising Home Prices in Western Massachusetts Impact Your Net Worth?
Open House at Stoney Hill Condominiums - 419 Southwick Rd, C10, condo for sale
Open House at Stoney Hill Condominiums - 419 Southwick Rd, C10, condo for sale
Westfield, MA 01085 Real Estate Market Report March 2018
Westfield, MA 01085 Real Estate Market Report March 2018
Southwick, MA 01077 Real Estate Market Report by Lesley Lambert, Southwick RE...
Southwick, MA 01077 Real Estate Market Report by Lesley Lambert, Southwick RE...
Top 5 Home Design Trends of 2017 in Western MA and beyond!
Top 5 Home Design Trends of 2017 in Western MA and beyond!
Southwick, MA 01077 - NEIGHBORHOOD REPORT - May 2017
Southwick, MA 01077 - NEIGHBORHOOD REPORT - May 2017
Stoney Hill Condominiums, Westfield MA Active Listings April 2017
Stoney Hill Condominiums, Westfield MA Active Listings April 2017
Westfield, MA 01085 Real Estate Market Report January / February 2017
Westfield, MA 01085 Real Estate Market Report January / February 2017
Mid Year Real Estate Market Report - Westfield, MA 01085
Mid Year Real Estate Market Report - Westfield, MA 01085
Horse lovers, take note! Acreage, house, garage & barn for sale! 109 Sackett ...
Horse lovers, take note! Acreage, house, garage & barn for sale! 109 Sackett ...
Home buyer Credit Caution
- 1. credit CAUTION Many people think that once they get a mortgage pre-approval, they’re free to make new purchases. However, adding new debt after an initial loan approval or making big purchases can negatively impact their final ability to get a loan. · Three to five days before a closing, a Lender Report Review (LRR) serves as a final check on a credit report, tracking whether a borrower has applied for new credit or increased balances (and payments) on existing debts. · Any increased debt can push a loan from being approved to declined, even after a clean mortgage commitment is issued. · After a PS is signed, loan applicants should still avoid making big purchases, like buying new furniture or a car. Remind home buyers to zip their wallets throughout the entire home buying process! It’s a smart, simple way to keep their loan application in good standing. When Applying for a Loan, Home Buyers Should Keep Their Wallets Closed Making Mortgages Better.® Sarah Valentini, loan officer/nmls#20147 c 508.776.0405 e svalentini@radiusgrp.com 600 longwater drive, norwell, ma 02061 p 781.742.6500 radiusgrp.com MA ML 1846 ME SLM6596 NH 7986-MB RI 20031544LL FL MLD309 CT 17213 NMLS#1846