Dino Rossi
RE/MAX Preferred Properties | 617-312-3910 | [email protected]


Posted by Dino Rossi on 9/15/2019

It is a fact that people who plan carefully to own a home will run into fewer financial issues later. So, if you want to buy a property now or sometime in the future, your first step should be to check your credit. It is a good idea to review your credit reports and scores from time to time, even if you are not buying the house or applying for a mortgage immediately. 

Your Credit Scores

Nowadays, most lenders use a FICO score when determining whether to offer you a loan or not, as well as in setting the rate and terms. Different lenders may use different credit scoring formulas, so your score can vary based on what type of scoring model the mortgage lender uses whether Experian, Equifax, or TransUnion FICO score. 

The scoring system is dynamic so that your score changes as the information in your credit report changes.

Ways of Getting Your Credit Score

There are many ways of accessing a credit score, and some of them are free. However, most organizations that provide free credit scores do so using different scoring methods than what the lenders' actually use. 

The four ways to obtain a score: 

1. Evaluate your credit card or another account statement - Most big credit card companies and some financial institutions, as well as credit unions, have started the service of providing credit scores to all their customers every month for free. The score is often written on your monthly statement or can be found by logging in to your online account. 

2. Consult with a non-profit adviser - Non-profit credit advisers and HUD-approved housing counselors can provide you with a free credit report in most cases and score and even assist you in reviewing them. A counselor may help you to buy a home, but we recommend you reach out to your reliable real estate agent who is more experienced and understands the job well than a mere counselor.

3. Buy a score - Credit reporting companies will sell your scores to you directly. You can also buy a FICO credit score at myfico.com. These credit scores are often different from your free ones and can be more accurate to what your lender sees. Don't get sucked into paying for extra features with your credit report such as identity theft monitoring, credit protection, or other services offered at the time of purchase.

4. Credit score services - Several websites offer a free credit score service. Some of these websites may be funded through advertising while others may require that you register for a credit monitoring service where you pay a monthly subscription fee to get your free score. 

Be aware that some of these services are usually advertised as free trial offers, and will start charging you a monthly fee if you don't cancel within the first week or month. Before you register for a service, ensure you know how much it really costs and how long the free period lasts. 

Your Credit Score Matters

Everybody is entitled to shop around for the best mortgage for their financial situation no matter their credit score. So, checking your credit history, fixing any mistakes, and knowing your credit scores will make you most suitable for getting a mortgage to buy a property for yourself.




Categories: Uncategorized  


Posted by Dino Rossi on 9/8/2019

If you work from home part or all of the time, chances are you have a specific place in your house where you go to work to be free from distraction.

Many people spend a lot of time thinking about the decor of their home office. They decide how much light they want to let in, what they need on their desk, and which distractions to keep out of the room entirely.

Surprisingly few people, however, consider the ergonomics of their home office.

What is ergonomics?

Simply stated, ergonomics is the study of peopleís efficiency in the workplace. When it comes to office work or working at home, that means studying things like posture, desk height, eye strain, and much more.

In this article, weíll talk about some ways you can improve the ergonomics of your home office to prevent injury and to make your office a more productive and less stressful place to work.

Choosing a desk chair

Letís begin with one of the most common complaints in offices and home offices around the world: chairs.

You could spend several hundred dollars on an ergonomic office chair. But in reality it only needs to meet a few criteria that you can often find in inexpensive computer chairs. When buying a chair, look for the following:

  • Lower back support what will help you keep a straight spine

  • Adjustable heights for the chair, the backrest, and the arm rests

  • A firm, but comfortable cushion that you wonít slide down on

Picking the right desk

The most important ergonomic factor of a desk is that you can easily fit your legs under it and donít have to crane over it to write.

Regardless of where you keep your keyboard, it will help if your arms can fall on it naturally and at a close to ninety-degree angle.

Screen height and distance

The vast majority of work performed at home is done with the use of a laptop, desktop computer, or tablet.

Ideally, the height of your screen should be adjusted so that you can view it straight on, and not have to look down or up at it. This will help protect your neck from strain.

For eye strain, itís a good idea to keep the monitor a couple feet from your eyes and to adjust the brightness so that itís easy to read but not too bright.

The best thing you can do to avoid headaches and eye strain is to set reminders for yourself to look away from the screen every twenty minutes or so or get up and go for a walk.

Take more breaks

Speaking of taking breaks; sitting in one position for too long can contribute to muscle and joint pain. If youíre working at home, it should be easy to get up and stretch or move around every half hour or so.

You donít have to take a long break; even a minute or two is sufficient enough to help take the strain off of your tired eyes and stiff back and neck.




Tags: home office   ergonomics  
Categories: Uncategorized  


Posted by Dino Rossi on 9/6/2019


160-162 CHAPEL STREET, Newton, MA 02458

Multi-Family

$1,595,000
Price

2
Units
4,188
Approx. GLA
Rare opportunity to own a 2007 two-family (duplex style) property in Newton. This two family home is in pristine condition, both units are almost identical: 8 total bedrooms, 6.5 total bathrooms, two "master bedrooms" in each unit (third floor master is perfect for an au pair suite), formal dining & living room(s) space, wood kitchen cabinets, open floor layout, garage parking, finish-able "lower level" space, front & back porch(s), professional landscaping, lawn irrigation, and more! Located in close proximity to schools, restaurants, shopping, public transportation, and walking trails. Do not miss out on this great investment property! Leases are in effect and tenants have right to stay till approximately June & July 2020 with proper notification. Buy this home and collect rent till leases end then convert them to condos and sell for BIG $$$ and make lots of profit!!
Open House
No scheduled Open Houses

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Tags: Real estate   Newton   Multi-Family   02458  
Categories: New Homes  


Posted by Dino Rossi on 9/6/2019


150 UPTON STREET, Grafton, MA 01519

Single-Family

$394,900
Price

6
Rooms
3
Beds
1/1
Full/Half Baths
MOVE IN READY!! Set back from the road, this 3-bedroom, 1.5 bath home offers a large welcoming living room with a wood burning fireplace and a picture window to bring in lush green views. The wide open kitchen can accommodate all of your guests, has stainless appliances, plenty of storage in the two sets of cabinets, granite and butcher block countertops, lots of windows and an abundance of natural light. Master includes walk-in closet and half bath. Pass through the bright and sunny three season room on the way to the back deck. Enjoy the hummingbirds on nearly three acres of quiet privacy. Many fruit trees are starting to bloom. BONUS: Use the large barn for animals or your other hobbies. Electrical has been updated including 200-amp service and wired for generator. This home is ready to go, just move in and enjoy the summer and all this home has to offer!
Open House
Sunday
September 08 at 1:00 PM to 3:00 PM
Celebrate the holidays in your new home! Open Sunday 1-3, this home has plenty of room, inside and out!
Cannot make the Open Houses?
Location: 150 UPTON STREET, Grafton, MA 01519    Get Directions

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Categories: Price Change  


Posted by Dino Rossi on 9/5/2019


150 UPTON STREET, Grafton, MA 01519

Single-Family

$399,900
Price

6
Rooms
3
Beds
1/1
Full/Half Baths
MOVE IN READY!! Set back from the road, this 3-bedroom, 1.5 bath home offers a large welcoming living room with a wood burning fireplace and a picture window to bring in lush green views. The wide open kitchen can accommodate all of your guests, has stainless appliances, plenty of storage in the two sets of cabinets, granite and butcher block countertops, lots of windows and an abundance of natural light. Master includes walk-in closet and half bath. Pass through the bright and sunny three season room on the way to the back deck. Enjoy the hummingbirds on nearly three acres of quiet privacy. Many fruit trees are starting to bloom. BONUS: Use the large barn for animals or your other hobbies. Electrical has been updated including 200-amp service and wired for generator. This home is ready to go, just move in and enjoy the summer and all this home has to offer!
Open House
Sunday
September 08 at 1:00 PM to 3:00 PM
Celebrate the holidays in your new home! Open Sunday 1-3, this home has plenty of room, inside and out!
More Open Houses
Cannot make the Open Houses?
Location: 150 UPTON STREET, Grafton, MA 01519    Get Directions

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Categories: Open House