Malden T living at this beautiful 2 level condo! Main living level has open floor plan & Juliet balcony to bring in the sun. Start your day with coffee at the breakfast bar. Spacious MBR with 2 closets & private balcony for relaxing. Gleaming hardwood floors on main level, stairs & 2nd floor hallway.New Berber carpeting in bedrooms. Freshly painted, central air, economical gas heat and cooking too. Stackable washer/dryer and additional storage. 2 covered parking spaces. 1/2 mile to Malden Center T. WalkScore of 74

I’ve added a new wide angle lens to my camera set up and I’m very pleased with the results. As usual, I spent a lot of time researching my decision and choose a Raynox lens because of their low distortion rates.

Look at how much more of the room you can see. Now instead of just shooting the seller’s furniture, I can show off so much more of the house itself!

Beautifully Maintained 2 Family Near Tufts
$539,900
www.55Woods.com

Meticulously maintained 2 family home near Tufts. Sunny owner’s unit has modern kitchen. Central air keeps you cool in summer. Hardwood floors throughout (even in the kitchens). Bonus den and office on 2nd floor. Newer gas heating systems (2001 & 2007). Replacement windows or Anderson windows everywhere except back porches. Recessed lights. The owners have maximized outside enjoyment with a deck and garden. There’s even a sour cherry tree & peach tree. 1/2 mile to Tufts and 1.3 mi to Davis Sq.

The positive side to the story is that my family learned about credit freezes. Many times identify thieves will use your information to apply for new credit. This way they can have the new credit card sent to their address and by the time the victim finds out, it’s normally too late. If you put a freeze on your credit with the 3 credit reporting agencies, Experion, Trans Union and Equifax, then they will not give out copies of your credit report to anyone new. (This will not affect any companies you currently have credit with.) Reputable lending companies won’t give out new loans or credit cards without access to your credit report.

You can freeze your credit online, by phone or by mail. Here are the credit freeze links for each of the credit reporting agencies:

• Equifax
• Trans Union
• Experian

You can temporarily lift the freeze if you do want to get new credit because you are buying a house or you’d like a new credit card. In Massachusetts there is a $5 fee per credit reporting agency for each time you place or lift the freeze. In some states, the fee is $10. IMHO, $15 is a small price to pay to know that no one is taking out a mortgage in my name that I don’t know about!

My father’s story has a happy ending – the police caught the thieves and the case is being prosecuted by the DA.

Here’s a 60 Minutes segment on Strategic Defaults:

Fannie Mae has decided to take a strong position with borrowers who can pay their mortgage but choose not to. It will now take 7 years before Fannie Mae will guarantee a mortgage for a borrower who did a strategic default. Not only that, they will try to get deficiency judgements against these borrowers to attempt to recoup the money that was not paid back. Some states are non-recourse states which means that the bank can’t go after the borrower for the unpaid money, but Massachusetts isn’t on the list.

People who have fallen on rough times won’t face these same issues. Borrowers who lose a house due to a financial hardship will find a much friendlier Fannie Mae willing to back a loan for them in only 2-3 years.

So if you can afford to continue paying your mortgage but have been considering just walking away, think carefully. You still might end up owing the money but you’ll no longer have the house.

Full info at www.37ForestCourt.com. Cul de sac living in young home on Melrose line! Stately entry foyer. Double windows in large the living room bring in the sun & gleam off the beautiful oak floors. There’s a breakfast bar in kitchen for enjoying your morning coffee. Sliding doors from the dining room takes you out to the deck. Lovely wide staircase leads you up to the bedrooms. Smart designing gives you a door into the bath from the master bedroom and the hall. Plentiful closets. Built in 1997 so there’s no lead paint. Economical gas heat. Low maintenance, high privacy yard. Garage. Located just over a mile from the Oak
Grove T.

On June 1st, Fannie Mae started a new rule called Loan Quality Initiative. One of the requirements of these rules is for your bank to pull a last minute credit report. They’re looking to see if you’ve incurred any new debt since your mortgage application. Wait until after the closing to purchase your new bedroom set or the widescreen TV you’ve always wanted. Don’t apply for a new credit card or even a store charge card either.

Don’t derail your closing – put your credit card away until after you are the owner of your new house.

Stunning 2 level penthouse loft condo in Fresh Pond feels like you’re living in a tree house. Dramatic wall of windows. Unique library ledge. Granite breakfast bar and stainless steel appliances gleam off Brazilian cherry floors. Loft bedroom overlooks living room below. 2 balconies expand your living space in the warm weather. South facing = low heating costs. Deeded parking in heated garage. Pet friendly. Near Alewife T Station, Whole Foods, Danehy Park, Fresh Pond Golf Course and many restaurants and shops. Listed by DebOnTheWeb.

Selling your house can be stressful, but there’s nothing worse than getting your house ready for sale and then having no one show up. It’s like being the wallflower at the school dance, watching as everyone else gets asked to dance while you try to look uninterested.

In today’s fast paced world, potential buyers will quickly decide whether or not to look at your house based on what they see online. Here are the 3 top ways to discourage a buyer from looking at your house for sale:

1. Poor Photos
   It’s sad to say that there are many great examples of horrible photos. There’s even a Facebook Group Really Bad MLS Photos with over 1,700 members!

   When you’re interviewing agents, check out their website and look at the quality of their photos. Do they show off the house well? Are the photos blurry, overexposed, too dark? It takes a long time to photograph a house well. Make sure the agent you choose doesn’t skimp on this very important step. You want lots of high quality photos to entice people to come look at your house in person.

2. Unenthusiastic Description
   If a buyer likes the photos of your house enough to look more, the next thing they will do is read the description. You’ll want the description to paint a picture to help the buyer envision themselves living in the home. It should be more than just a list of the features of your home, after all, most sites will already list the number of bedrooms and baths.

   It’s not uncommon to see a house where the description says “Won’t Last” but the house has been on the market for over 3 months. When you are interviewing agents to list your home, read what they’ve written about their current listings to get a good idea of how they will describe your home.

3. Limited information online
   If buyers can’t find your house for sale online, you won’t even get a chance to get up to bat. If they can find your house but there’s only a few exterior photos, buyers will assume there’s something wrong with the interior. Buyers want as much information as possible before they’ll schedule a showing to see your house in person. You not only want an agent who will use an abundance of quality photos to market your house, but in today’s YouTube world, a video of your house lets buyers see how the rooms relate to each other.

   You’ve spent time, energy and money getting your house ready for sale. Make sure you choose an agent who will help you entice buyers to see your home, not have your house sit on the market with no one asking it to dance.
   
   

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