Nancy Whitehouse-Bain - RE/MAX Property Promotions



Posted by Nancy Whitehouse-Bain on 4/16/2018

When you want to buy a home, you know that good credit will be necessary. You may have heard some things about your credit score that just arenít true. Read on to set the record straight on some of the most significant misconceptions about credit. 


Checking Your Credit Only Gives You Knowledge


Checking your credit score or report will not lower your score. The only way checking a score is damaging to a credit score is in the form of credit inquiries. This is when a lender, employer, or other merchant checks your credit in order for you to either gain employment or open a new line of credit. You have the right to review your score without it being impacted. 


You Shouldnít Carry Balances


The best way to keep a high credit score is to use a credit card and pay the balance off in full each month. Itís a false belief that carrying a balance is an excellent way to increase your credit score. You need a low debt level to maintain a good credit score. 


Your Age And Income Have Nothing To Do With Your Score


Itís natural that older people who have a longer credit history have a better shot a good credit score, but your age has nothing to do with your score. It all depends on when you established credit. Some people started their credit histories early because their parents opened accounts for them. Others needed to wait awhile before opening their first credit card account. 


Your income also is not a factor in determining your credit score. It may be true that if you have a higher income, itís easier to stay out of debt, but the amount of money you make has no direct impact on your score. 


You Cannot Access Your Credit Score For Free


You have a legal right to obtain a free copy of your credit report once a year but, your credit score isn't included in this report. There are free services that are outside of your credit report that will give you your credit rating, but you need to search for them. Itís a good idea to check your credit report periodically, but you should also know your score especially if you're getting ready to make a big purchase such as buying a home.


Your Credit Matters More Than You Think


While you know your credit score matters when you head to get a home loan, you may not know just how many entities take your credit into account when you apply for them. Some things you may do where your credit score matters:


Apply for a job

Apply for a credit card

Rent an apartment

Sign up for phone and Internet services

Get other utilities in your home


Your credit history gives a picture to the world to let them know if youíre financially stressed. If you have gone through rough patches, there are always ways to bring your score up. If you had a judgment ruled against you in a lawsuit, for example, that would only appear on your credit report for a certain number of years. Lenders will often allow you to explain bumps in your credit report as well. Understanding credit is half the battle to a good score!      




Categories: Uncategorized  


Posted by Nancy Whitehouse-Bain on 4/12/2018


146 Seven Bridge Rd, Lancaster, MA 01523

Single-Family

$650,000
Price

8
Rooms
4
Beds
3
Baths
Great Commuter location! This New Colonial Farm style home offers single level living if needed. Boasting 9ft ceilings, Hardwood flooring, 4 Generous sized bedrooms, 3 full baths, beautiful working kitchen with all stainless steel appliances an island and a full walk-in pantry help make this kitchen a chefs dream! Open concept living room and dining room with a lovely fireplace. The master bedroom is tucked away nicely and features an on suite with crown moldings & a huge walk in closet, the master bath has a jetted tub, double vanity and a stand up tiled shower and private water closet. In the main house is the kitchen nook over looking your large trex deck and back yard. The second floor offers additional space with a finished room for a private office or another bedroom with a full bath. Lastly 2 Unfinished rooms, for a bedroom and an amazing family room with soaring ceilings and endless possibilities. 2 car garage which allows for a lift and great work area. Full walk out basement.
Open House
Sunday
April 15 at 12:00 PM to 1:30 PM
Open House Sunday 12:00-1:30PM 4 Bedrooms, 3 Full Baths, Open concept living, lots of additional square footage available. 2 Unfinished rooms upstairs, one with soaring ceilings. Full walk out basement and more. Come see this one for yourself, you won't be disappointed.
Cannot make the Open Houses?
Location: 146 Seven Bridge Rd, Lancaster, MA 01523    Get Directions

Similar Properties





Categories: Open House  


Posted by Nancy Whitehouse-Bain on 4/11/2018


146 Seven Bridge Rd, Lancaster, MA 01523

Single-Family

$650,000
Price

8
Rooms
4
Beds
3
Baths
Great Commuter location! This New Colonial Farm style home offers single level living if needed. Boasting 9ft ceilings, Hardwood flooring, 4 Generous sized bedrooms, 3 full baths, beautiful working kitchen with all stainless steel appliances an island and a full walk-in pantry help make this kitchen a chefs dream! Open concept living room and dining room with a lovely fireplace. The master bedroom is tucked away nicely and features an on suite with crown moldings & a huge walk in closet, the master bath has a jetted tub, double vanity and a stand up tiled shower and private water closet. In the main house is the kitchen nook over looking your large trex deck and back yard. The second floor offers additional space with a finished room for a private office or another bedroom with a full bath. Lastly 2 Unfinished rooms, for a bedroom and an amazing family room with soaring ceilings and endless possibilities. 2 car garage which allows for a lift and great work area. Full walk out basement.
Open House
Sunday
April 15 at 12:00 PM to 1:30 PM
Open House Sunday 12:00-1:30PM 4 Bedrooms, 3 Full Baths, Open concept living, lots of additional square footage available. 2 Unfinished rooms upstairs, one with soaring ceilings. Full walk out basement and more. Come see this one for yourself, you won't be disappointed.
Cannot make the Open Houses?
Location: 146 Seven Bridge Rd, Lancaster, MA 01523    Get Directions

Similar Properties





Categories: Uncategorized  


Posted by Nancy Whitehouse-Bain on 4/11/2018


146 Seven Bridge Rd, Lancaster, MA 01523

Single-Family

$650,000
Price

8
Rooms
4
Beds
3
Baths
Great Commuter location! This New Colonial Farm style home offers single level living if needed. Boasting 9ft ceilings, Hardwood flooring, 4 Generous sized bedrooms, 3 full baths, beautiful working kitchen with all stainless steel appliances an island and a full walk-in pantry help make this kitchen a chefs dream! Open concept living room and dining room with a lovely fireplace. The master bedroom is tucked away nicely and features an on suite with crown moldings & a huge walk in closet, the master bath has a jetted tub, double vanity and a stand up tiled shower and private water closet. In the main house is the kitchen nook over looking your large trex deck and back yard. The second floor offers additional space with a finished room for a private office or another bedroom with a full bath. Lastly 2 Unfinished rooms, for a bedroom and an amazing family room with soaring ceilings and endless possibilities. 2 car garage which allows for a lift and great work area. Full walk out basement.
Open House
Sunday
April 15 at 12:00 PM to 1:30 PM
Open House Sunday 12:00-1:30PM 4 Bedrooms, 3 Full Baths, Open concept living, lots of additional square footage available. 2 Unfinished rooms upstairs, one with soaring ceilings. Full walk out basement and more. Come see this one for yourself, you won't be disappointed.
Cannot make the Open Houses?
Location: 146 Seven Bridge Rd, Lancaster, MA 01523    Get Directions

Similar Properties





Categories: Uncategorized  


Posted by Nancy Whitehouse-Bain on 4/11/2018


146 Seven Bridge Rd, Lancaster, MA 01523

Single-Family

$650,000
Price

8
Rooms
4
Beds
3
Baths
Great Commuter location! This New Colonial Farm style home offers single level living if needed. Boasting 9ft ceilings, Hardwood flooring, 4 Generous sized bedrooms, 3 full baths, beautiful working kitchen with all stainless steel appliances an island and a full walk-in pantry help make this kitchen a chefs dream! Open concept living room and dining room with a lovely fireplace. The master bedroom is tucked away nicely and features an on suite with crown moldings & a huge walk in closet, the master bath has a jetted tub, double vanity and a stand up tiled shower and private water closet. In the main house is the kitchen nook over looking your large trex deck and back yard. The second floor offers additional space with a finished room for a private office or another bedroom with a full bath. Lastly 2 Unfinished rooms, for a bedroom and an amazing family room with soaring ceilings and endless possibilities. 2 car garage which allows for a lift and great work area. Full walk out basement.
Open House
Sunday
April 15 at 12:00 PM to 1:30 PM
Open House Sunday 12:00-1:30PM 4 Bedrooms, 3 Full Baths, Open concept living, lots of additional square footage available. 2 Unfinished rooms upstairs, one with soaring ceilings. Full walk out basement and more. Come see this one for yourself, you won't be disappointed.
Cannot make the Open Houses?
Location: 146 Seven Bridge Rd, Lancaster, MA 01523    Get Directions

Similar Properties





Categories: Uncategorized  




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