Jim Sheridan | Burlington Real Estate, Billerica Real Estate, Reading Real Estate


An engaging home listing can play a key role in your ability to sell your house. If your listing hits the mark with potential buyers, the likelihood increases that buyers will set up showings to view your residence. And as a result, it may be only a matter of time before you receive multiple offers to purchase your house.

Ultimately, creating an engaging home listing can be simple – here are three tips to help you craft an effective listing for your residence.

1. Provide Accurate Information About Your Home

A home listing often introduces a buyer to a house. If a listing includes accurate information about a residence, a buyer may be inclined to check out a particular house sooner rather than later.

Remember, it is your duty as a home seller to help a buyer make an informed decision about whether to pursue your residence. If you include accurate information about your house's age and condition in your listing, you can make it easy for a homebuyer to determine whether your residence is the right choice based on his or her individual needs.

2. Include High-Resolution Photos of Your Home

An engaging home listing includes lots of relevant information about a home. At the same time, this listing should feature plenty of high-resolution photos that showcase the true size and beauty of each room of your residence.

If possible, take photographs that can help buyers envision what it is like to walk through your house. You may want to clean your home from top to bottom and remove clutter before you take these photos as well.

For those who want extra help with real estate photography, you can always hire a professional photographer. Because if you have a real estate photographer at your side, you can reap the benefits of top-notch photographs that can be incorporated into your home listing.

3. Keep Your Home Listing Simple

There is no need to use big words or complex phrases to try to differentiate your home listing from others. Instead, keep things simple, and homebuyers can decide for themselves whether to move forward with a home showing.

Lastly, if you need help crafting an engaging home listing, you can always reach out to a real estate agent for assistance. This housing market professional can provide expert guidance throughout the home selling journey and ensure you can achieve the optimal results.

A real estate agent will learn about your home and help you put together an informative home listing. He or she also will set up home showings and open house events to promote your residence to prospective buyers. And if you receive an offer to purchase your house, a real estate agent can help you review this proposal and determine the best course of action.

Ready to add your house to the real estate market? Use the aforementioned tips, and you can create an engaging listing to help your house stand out to dozens of potential buyers.


Going through the process of applying for a mortgage only for your application to get denied can be a frustrating and confusing time. If you’re hoping to buy your own home in the near future, it’s vital to secure financing or you risk missing out on a home that you may have been depending on getting.

In today’s post, we’re going to talk about what happens when your mortgage application is denied and what you can do to fix the problem as quickly as possible.

Determine the Cause of Denial

If your application is denied, priority number one needs to be to understand what happened. Since lenders are required to provide denied applicants with a letter explaining why they were denied, this just means reading the letter and making sure you understand all of the reasons listed.

There are a few common reasons that an application may be denied. Some of them are simple fixes, while others might require time and effort on your part that may delay your house hunt for a while.

One issue that many mortgage applicants have to handle is when their employer won’t provide proof of income to a mortgage lender. Since income verification is vital to the mortgage application process, it’s important to make sure you can provide all of your income details from the last 2 years to the lender.

Sometimes there are issues with contacting employers, such as when your former place of employment goes out of business. Or, you may be a freelance or contract worker with atypical forms of income verification. Regardless, make sure you are clear with your loan officer regarding your employment history.

Other common causes for denial of an application include problems with your down payment (such as not meeting the required down payment amount) and credit history issues, such as having a lower score than you thought.

Credit score lower than expected

It’s not uncommon for a lender to run a credit check and come up with a score that is lower than you anticipated. Since scores change on a monthly basis, and since there are differences between the scores provided by the three major credit bureaus, you might find that your lender found a score slightly lower than what thought.

If the score is drastically different, however, this could be a sign of two things. First, make sure that you haven’t recently made multiple credit inquiries (such as applying to several lenders who perform credit checks) or by opening new credit cards or loans. These inquiries temporarily lower your credit score.

If you haven’t recently made any inquiries (other than applying for a mortgage with your lender of choice), then it’s a good idea to get a detailed credit report and scrutinize it for errors. Inaccuracies on your credit report can be disputed and resolved and can give your score the boost you need to be competitive on your mortgage application.  

Choosing a different lender

While most lenders use similar criteria in determining your borrowing eligibility, there are some differences between lenders.

For example, some lenders might take on more risk by lending to someone with a lower credit score. However, they will also likely require a higher interest rate in exchange for the added risk they’ve acquired.


Now that you know your options for what to do when an application is denied, you’re well-equipped to start tackling the issue and getting back on track to becoming a homeowner.


This Condo in Tewksbury, MA recently sold for $347,000. This Townhouse style home was sold by Jim Sheridan - Elite Realty Experts.


2 Patrick Rd, Tewksbury, MA 01876

Condo

$349,900
Price
$347,000
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Get ready to move into this immaculate, 2 BR 1.5 bath 1 car garage Townhouse located in desirable Carter Green Complex. Loads of features include 1 car garage with additional parking, thermo pane windows, roof (2009) and vinyl siding (2011), 2 spacious bedrooms with plenty of closet space, 2nd floor laundry (washer & dryer to remain), 1.5 baths, galley kitchen. Hardwood floors in living room with sliders to deck to enjoy the view with your morning coffee or while entertaining family and friends. Formal sunken dining room also has hardwood floors, wainscoting and bay window to enhance natural light. Forced hot air by gas heat and central air. Additional storage in basement. Amenities include tennis courts, guest parking and clubhouse. Pets allowed for owner occupied units only. Near shopping and local restaurants as well as quick access to Route 93, 495 & 3.

Similar Properties



The decision to buy a house may be one of the biggest choices that you make in your lifetime. As such, a potential home purchase should be fully evaluated to ensure you can achieve the best-possible results during the homebuying journey.

Furthermore, it may be beneficial to discuss your homebuying plans with family members, friends and other loved ones. There are many reasons why you may want to share your homebuying plans with loved ones, and these reasons include:

1. You can gain homebuying insights that you might struggle to obtain elsewhere.

Loved ones frequently are happy to share their homebuying insights with you. Thus, if you keep loved ones up to date about your homebuying plans, you may be able to gain comprehensive real estate insights that you won't find anywhere else.

Let's not forget about the past homebuying experiences of loved ones, either. If a loved one had a positive or negative homebuying experience, you may be able to learn lessons from this event that could help you navigate the homebuying journey.

2. You can look at the big picture.

Oftentimes, the temptation to rush through the homebuying process can be overwhelming, particularly for a first-time homebuyer. If you consult with loved ones, however, you can slow down and look at the big picture as you prepare to pursue your dream residence.

Loved ones are unafraid to be honest, especially when it comes to a life-changing decision like buying a house. Therefore, if you reach out to loved ones before you enter the housing market, you can assess your short- and long-term plans and map out your homebuying journey accordingly.

3. You can get the help you need to succeed.

No one should be forced to pursue a house on their own. Lucky for you, loved ones are available who can help you discover your ideal residence in no time at all.

Sharing your homebuying plans with loved ones may enable you to get plenty of support throughout the homebuying journey. Plus, if you ever have concerns or questions as you pursue your dream house, loved ones are ready to assist you in any way possible.

As you prepare to embark on a home search, you may want to consult with a real estate agent too. In fact, a real estate agent will ensure you can enjoy a seamless homebuying experience, regardless of where you want to live.

Typically, a real estate agent will set up home showings, keep you informed about new residences as they become available and help you submit offers on houses. This housing market professional also will negotiate with a seller's agent on your behalf, guaranteeing that you can get the best price on any home, at any time.

Ready to kick off a successful home search? Connect with loved ones – and a real estate agent – and you can get the assistance that you need to find your dream house.



A mortgage pre-approval can be a valuable tool for understanding how much you can afford to spend on purchasing a home. It can also make you seem much more attractive to sellers and help to identify any potential problems that may make it difficult to get a loan. In fact, many lenders claim that if a buyer isn’t pre-approved for a mortgage, they will have a difficult time navigating the real estate market. But what does pre-approval really mean?

What is a Mortgage Pre-Approval?

While it can sound like you’ve got a sure thing locked in when you’re pre-approved for a mortgage, being pre-approved doesn’t promise that you’ll be able to secure a loan for the home that you want to purchase. A mortgage pre-approval simply means that a loan officer has reviewed your finances and decided how much money you're allocated to borrow, what you should be able to pay each month towards your mortgage and what your interest rate will be.

Once, you’ve been pre-approved by a lender, you will get a letter that can be shown to sellers. This letter indicates that you’ve already established a working relationship with a lender. This helps to give sellers peace of mind in knowing that you’re serious about putting in an offer on their home, and they don’t have to risk wasting time with a buyer who isn’t serious.

What Are the Benefits of Getting a Pre-Approval?

A pre-approval doesn’t guarantee you’ll get a mortgage but it does offer a few key advantages during your search for the ideal home. It helps to give you confidence while looking at potential properties, as you look at homes that are within your budget. There’s no need to fall in love with a home that you can’t afford. Additionally, it establishes credibility as a buyer, showing that you have your finances under control and can help to put you on the fast-track to closing once you’ve found the perfect home.

Are Pre-Approval & Pre-Qualified the Same Thing?

Unfortunately, no. These two similar real estate terms are not interchangeable. When you are pre-qualified for a mortgage, this indicates that you have given your lender information regarding your income, debts and assets. Without doing further research, the lender then tells you that you should qualify for a certain mortgage. Pre-approval is a much more in-depth process, requiring your lender to verify the financial information provided by pulling your credit history, as well as verifying your income and assets.




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