Home Buyers Guide Spring 2020

Despite so many uncertainties as we learn to live with Covid-19, there oddly hasn’t been a better time to buy a home in recent history with mortgage interest rates hovering at all time lows. For a Home Buying Guide packed with information, please click below then give me a call or send me a message and let’s set up time to connect and get you started on right path to homeownership.

As a committed full-time real estate agent, I have helped hundreds of buyers and sellers… it would be a pleasure to help you too.

Whether you have tons of questions or don’t even know the questions to ask, I am ready to work with you through the entire process.


It is my true pleasure to  work hard for my clients and your referrals throughout Massachusetts and Rhode Island.  Please let me know what questions you may have and how I can be of the best assistance to you.

SUBMIT

Jen McMorran, Realtor

Jennifer McMorran, Realtor, SRES
New Construction & First Time Home Buyer Specialist
MA & RI Licensed Real Estate Sales Associate
New Homes Team
Kensington Real Estate Brokerage
508-930-5259
Jen.McMorran@gmail.com
www.jenmcmorran.realtor

real people. real estate. 

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Serving clients throughout
Massachusetts & Rhode Island.
Boston – Attleboro – Providence
and the communities in between.

Mortgage Interest Rates at Five Decade Low!

What you do today can improve all your tomorrows.      –Ralph Marston

With mortgage interest rates hovering at near historic lows, now is a great time to look back at where rates have been to truly appreciate where rates are now.

Mortgage rates are now averaging around 3.5%  – they are hovering near a five decade low.  That is right – a five decade low.   And buyers are ready to take advantage of that with mortgage applications up 15% over a year ago.   This is shaping up to be an early and strong spring real estate market in Massachusetts and Rhode Island with mild weather continuing and eager buyers ready to find their next home sooner than later. Interest rates over time

Give a call 508-930-5259 or send an e-mail jen.mcmorran@gmail.com  if you’d like to discuss how now might be the time for you to start your home search.  My team is ready to support and guide you every step of the way from getting pre-approved for your mortgage, finding a home, negotiating an offer, securing a qualified home inspector, and hiring an attorney to review your contracts and coordinate your closings.

Without a doubt, capitalizing on current mortgage interest rates to purchase a home today will absolutely pay off for you as a homeowner tomorrow.  The impact your interest rate has on your monthly mortgage payment can be significant.  Let’s see how we can make current real estate and mortgage market conditions work for you!

It is my true pleasure to  work hard for my clients and your referrals throughout Massachusetts and Rhode Island.  Please let me know what questions you may have and how I can be of the best assistance to you.

Jen McMorran, Realtor

Jennifer McMorran, Realtor, SRES
New Construction & First Time Home Buyer Specialist
MA & RI Licensed Real Estate Sales Associate
New Homes Team
Kensington Real Estate Brokerage
508-930-5259
Jen.McMorran@gmail.com
www.jenmcmorran.realtor

real people. real estate. 

Best 5 Icon LogoServing clients throughout
Massachusetts & Rhode Island.
Boston – Attleboro – Providence
and the communities in between.

You can own a home!!

Are you wondering if buying a home is a possibility for you?

Do you dream of personalizing a home to your own tastes and lifestyle?

Are you tired of paying your landlord’s mortgage and being limited their rules?

Being a first time home buyer is very exciting – and a little bit scary for some :), but I have an awesome team of experienced professionals who can help get you ready and guide you through the entire process.   I am just a call, an e-mail, or a click away to start your home search so let’s find time to chat about your needs, your wants, and your budget.  In the meantime, here are 3 Tips for Making Your Dream of Homeownership come true…Making Your Dream of Homeownership a Reality

First Time Home Buyers are one of my specialties and I have many satisfied “first timers” who made it through the process.  Happy to make a connection if you’d like to talk with someone who has recently been through a complete transaction from searching on-line to getting their keys at the closing table.  And as they will all attest to, I have lots of stories to share from my vast experience in real estate over the past 20+ years 🙂  Every deal seems to have its own nuances these days, but be assured, I have a solid reputation in the real estate industry, I always have an eye on the big picture while working through the little details, and I am committed to the goals of my buyers and sellers.

 Always happy to be of any assistance to you or anyone you know who is thinking about buying or selling a home. I love to work hard for my clients and your referrals throughout Massachusetts and Rhode Island.

Jen McMorran, Realtor

Jennifer McMorran, Realtor, SRES
New Construction & First Time Home Buyer Specialist
MA & RI Licensed Real Estate Sales Associate
Kensington Real Estate Brokerage
508-930-5259
Jen.McMorran@gmail.com
www.jenmcmorran.realtor

results that move you.

Best 5 Icon LogoServing clients throughout
Massachusetts & Rhode Island.
Boston – Attleboro – Providence
and the communities in between.

Let’s Get You Home

 

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GETTING YOU HOME!
Jen McMorran, Realtor, SRES
508-930-5259
jen.mcmorran@gmail.com
Kensington Real Estate Brokerage
http://www.BeHomeBeWell.com

7 Musket

You thought finding the right real estate agent,  getting pre-approved by a mortgage officer, searching through listings, riding through neighborhoods, and touring houses to find the right home was the hard part?   That’s just the beginning, but a beginning to what should be a happy ending.  Buying (and selling a home) is process.  See below for a general guide to  keep that process moving along…

Making an Offer:
1. Find a great home
2. Determine offer price
3. Determine amount you will be financing
4. Determine a closing date
5. Jen will complete the offer form for you to review and sign
6. Deposit check to listing office to bind the offer (typically $1000, it does get deposited!)
7. Pre-Approval Letter from your bank or mortgage company
8. MA Agency Disclosure Form signed at first meeting
9. A personal note to the sellers is nice touch depending on situation
Jen sends it all to the listing agent.

Negotiate.

Agree on price and terms

Sign revised contract and check gets dropped off to listing agent to deposit

Contact attorney and home inspector

Home Inspection.
*Looking for major mechanical, structural, safety, and health issues.
1. Jen can recommend trusted home inspectors or check with friends, family, co-workers
2. Must take place typically within 10 days of signed offer.
3. Attending as a buyer is important to learning how the house “works”
and hearing what deficiencies may exist and what to do about them.
4. Negotiate any issues.
Sellers can make repairs, seller can give a credit, or seller can do nothing.

Purchase and Sale Agreement (P&S)
Overriding contract to the offer in the sale of the home
Worked on and agreed upon by both the buyers’ and seller’s attorney
Make additional P&S deposit – bank check to listing company

Appraisal.
Ordered by your mortgage company.  Paid for by you.

Completing Mortgage File.
Submit anything & everything your mortgage company asks for,
when they ask for it,
and no matter how many times they ask for it 

Mortgage Commitment.
Your loan along with the property you are purchasing have been approved by the bank
You likely will still have a few conditions on your to-do list – make sure “to do” them

Clear to Close from mortgage company (nothing left on your mortgage to-do list)
Closing Disclosure issued and three days later… Closing!!

Then guess what? You’re Home!

Always a pleasure to be of any assistance to you or anyone you know who is thinking about buying or selling a home. I love to work hard for my clients and your referrals throughout Massachusetts and Rhode Island.

Jen McMorran, Realtor

Jennifer McMorran, Realtor, SRES
New Construction & First Time Home Buyer Specialist
MA & RI Licensed Real Estate Sales Assocate
Kensington Real Estate Brokerage
508-930-5259
Jen.McMorran@gmail.com
www.jenmcmorran.realtor

real estate for real people.

Best 5 Icon LogoServing clients throughout
Massachusetts & Rhode Island.
Boston – Attleboro – Providence
and the communities in between.