Kathy Borawski | Northampton Real Estate, Easthampton Real Estate, Williamsburg Real Estate


Filling out a mortgage application may prove to be a long, exhausting process. Fortunately, we're here to help you streamline the mortgage application process so you can move one step closer to acquiring your dream house.

Now, let's take a look at three tips to help you approach the mortgage application process with confidence.

1. Be Thorough

A mortgage application likely requests a lot of information about you, your finances and your employment history. However, it is important to answer each mortgage application question to the best of your ability. Because if you fail to do so, you risk delays in getting approved for a mortgage. Or, perhaps even worse, a lender may decline your mortgage application.

In addition, be honest in all of your mortgage application responses. This will ensure that if your mortgage application is approved, you will receive a mortgage that corresponds to your finances.

2. Ask Questions

There is no need to leave anything to chance as you complete a mortgage application. Thus, if you're uncertain about how to respond to various mortgage application questions, reach out to a lender for assistance.

Remember, there is no such thing as a "bad" question, especially when it comes to filling out a mortgage application. Lenders employ friendly, knowledgeable mortgage specialists who are happy to assist you in any way possible. Work with these mortgage specialists, and you can get the help you need to finalize your mortgage application.

3. Get Multiple Quotes

It may seem like a good idea to complete a single mortgage application to request home financing from a single lender. Yet doing so may be problematic, particularly for those who prioritize affordability.

Ultimately, meeting with multiple lenders and getting several mortgage quotes is ideal. If you shop around for a mortgage, you may be eligible for a low interest rate that helps you save money when you complete a home purchase.

Once you finish a mortgage application, it may be only a matter of time before you find out if you have received approval. Then, if you receive a "Yes" from a lender, you can accelerate the homebuying journey.

Of course, for those who plan to buy a home soon, it may be beneficial to employ a real estate agent. This housing market professional can put you in touch with the top lenders in your area, as well as help you complete a home search in no time at all.

A real estate agent typically learns about a homebuyer's goals and crafts a strategy to help this buyer accomplish his or her aspirations. Furthermore, a real estate agent provides recommendations and tips to help a homebuyer make informed decisions throughout the property buying journey. And if a homebuyer ever has concerns or questions, a real estate agent is available to respond to them.

Ready to complete a mortgage application? Use the aforementioned tips, and you can finalize a mortgage application, obtain home financing and make your homeownership dream come true.


This Single-Family in Northampton, MA recently sold for $430,000. This Ranch style home was sold by Kathy Borawski - Borawski Real Estate.


3 Langworthy Road, Northampton, MA 01060

Single-Family

$479,000
Price
$430,000
Sale Price

6
Rooms
2
Beds
2/1
Full/Half Baths
On the corner of a beautiful tree lined, dead end street, walking distance to Smith College and downtown, this classic mid century ranch style home has a wonderful floor plan. The large living room with dining area has a fireplace, hardwood under the carpets and lots of windows. Updated heating system with Buderus boiler, 2 bedrooms share a full bath. Additional finished living area in the basement adds an additional 1200 square feet of living area along with plenty of storage space and 2nd fireplace.

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Photo by Ricarda Mölck via Pixabay

Moving to a new neighborhood brings with it, well, the new neighbors. Although you may be an exceptionally private person — others, by nature, are naturally curious. They want to know who’s moved in next door. This is particularly true when your house is just a few feet or a few inches away from their house. Sometimes, your window looks right out on their window — and vice versa. When it comes to nosy neighbors, follow these tips.

Be Proactive

Introduce yourself and satisfy their curiosity about your basic information. Without getting too personal, let them know who is living in the house with you and if you moved into the neighborhood for a specific reason.

Be Prepared

Many neighborhoods have a neighborhood watch. If this is the case, meet the people that look out for strangers so that they know who you are. Ask them questions too so that you know what kinds of things trigger a response from the watch or from other neighbors. If your neighborhood has an association, ask about it and meet the officers.

Be Courteous

People that live in one place for an exceptionally long time may fear change. Let them know you hope to love the neighborhood as much as they do. If their questions bother you, deflect and redirect the conversation.

Be Inventive

Builders don’t always pay attention to how one house aligns with another. If your neighbor’s dining room overlooks your bathroom, cover your bathroom windows with a frosted or stained-glass overlay. It’s a simple fix that lets daylight shine in your bathroom without the neighbors peering in, even accidentally. If it’s a bedroom window, cellular blinds let light in but give full coverage.

Be Friendly

When the opportunity arises, invite your neighbor for a cup of tea or simply to share a conversation while you weed the flowerbed. Friendliness goes a long way toward increasing everyone’s comfort level as new neighbors. Moving into a new neighborhood is a time of adjustment for both the old neighbors and the new. 

If you’re proactive, prepared, courteous, inventive and friendly, you’ll soon move from being merely neighbors to being friends. Your real estate professional is a great resource on learning about your neighborhood too, so ask them what they know.


This Single-Family in Northampton, MA recently sold for $375,000. This Saltbox style home was sold by Kathy Borawski - Borawski Real Estate.


1300 Burts Pit Road, Northampton, MA 01062

Florence

Single-Family

$387,900
Price
$375,000
Sale Price

7
Rooms
3
Beds
2
Baths
Wonderful Florence sunny Colonial in move in condition with beautiful updated kitchen with SS appliances and baths. Hardwood floors and a truly flexible floorplan with many options. Fireplace with pellet stove, big enclosed porch for entertaining. In ground pool is fenced in. Partly finished basement with plenty of rooms for storage, hobbies or a kids playroom. Great area, close to Florence center with a private backyard with a view of a pond! Lots of nice built in cabinets and book cases to display your treasures! Updated bathrooms and kitchen. Skylights in upstairs hallway bring in the natural light. Buderus boiler.

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This Single-Family in Northampton, MA recently sold for $290,000. This Victorian style home was sold by Kathy Borawski - Borawski Real Estate.


91 North Main, Northampton, MA 01062

Florence

Single-Family

$299,000
Price
$290,000
Sale Price

7
Rooms
3
Beds
2/1
Full/Half Baths
Walk to Florence center from this charming 2 story home, the new brewery, the Pie Bar and the fabulour Miss Flo's Diner are all just a short walk from this home. Very close to, but not directly on the bike path, through the back gate, nice flat completely fenced in back yard with many plantings and patio sitting area. Large kitchen with pantry, wood floors throughout, attic fan and enclosed front and side porches make this a great place to come home to. Full baths on first and 2nd floor, 2nd floor bath has laundry hook ups and basement also has laundry hook ups.

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