Mary Crane | Dover Real Estate, Needham Real Estate, Wellesley Real Estate, Sherborn Real Estate


Financing the purchase of a house from personal savings might mean a mighty long wait for the end of rent-paying. This reason is why most homeowners in the US today are using mortgages. If you want to buy a house and don't have enough in your savings account, you will want to hook up with a lender. But how do you know which lender to choose from the myriads out there? Here are some key pointers:

Interest rate

The interest rate should be the deal breaker when choosing a lender. Take time to compare the rates of as many lenders as you can. You will find several tools online that can help you do this quickly. Some mortgage companies will offer you a loan with a down payment of as little as 3% of the purchase price, but they make up for this with a higher interest rate.

Speed

With some lenders, you may have to wait months before your approval sees the light of day. Such lenders will typically require you to fill a plethora of forms when applying for your mortgage and support your application with a ton of documents. Many innovative lenders have come up with platforms that allow you to upload documents securely and complete the entire application process online.

Bad credit

For some lenders, especially traditional banks, a bad FICO score is an automatic "no". Others will still extend financing to you even if you have a credit rating below 600. However, perhaps you should keep in mind that such lenders will make up for the risk they're taking on with a higher interest rate.

Reputation

You may have a referral to a lender from relatives or colleagues, but before you begin your application with them, do a bit of digging of your own. What reviews come up when you search on independent online sources? Consumers Advocate has a listing of top-rated lenders, as do many other referral sites. 

Customer service

How quickly does the lender respond to queries, and do they provide comprehensive feedback? If you would rather talk or meet your mortgage officer during the application process, is that option available? Some companies operate entirely online, with no brick-and-mortar presence. If you would rather have that personal touch, you could be better off with a traditional bank.



74 Farm St, Dover, MA 02030

Single-Family

$3,495,000
Price

11
Rooms
4
Beds
4/1
Full/Half Baths
This stunning 4+BR 4.5BA English Country home exudes quality, style and superb craftsmanship. Regally set in the heart of Dover's horse country, this remarkable 6440 s.f. home boasts all the lavish amenities desired for today's contemporary lifestyle. The ample and abundant windows allow natural light to flood in from all directions as well as offer amazing water views. The open concept layout is thoughtfully designed for easy entertaining and living. The first floor boasts 11 foot ceilings, 5" Red Birch hardwood and gorgeous master suite. Radiant heat in mudroom, kitchen, master bath. Oversized 2 car heated garage plus additional 4 bay detached garage, heated attached greenhouse, hard-wired propane generator, 6BR septic. Enjoy the peaceful, country setting! The charming town of Dover is located 15 miles SW of Boston, enjoys a low tax rate & Boston Magazine just named Dover's schools #1 in Massachusetts once again.
Open House
Sunday
September 22 at 1:30 PM to 3:00 PM
Come see this amazing property with waterviews from every window!!
Cannot make the Open Houses?
Location: 74 Farm St, Dover, MA 02030    Get Directions

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658 Main St, Medfield, MA 02052

Single-Family

$1,400,000
Price

12
Rooms
4
Beds
4/1
Full/Half Baths
NEW PRICE-Escape to your own retreat in desirable Medfield- Privately set on 7.5 acres this light & bright 4BR 4.5BA custom Colonial boasts 9.5 foot ceilings, crown molding w/new deck overlooking the professionally landscaped grounds & inground pool. A chefs delight, the eat-in gourmet kitchen features cherry cabinets, center island, Jenn Air 6 burner gas cooktop, double ovens & pantry. A stunning solarium w/3 walls of windows offer tremendous views, formal dining room, cherry paneled den & 30x16 fireplaced living room. Upstairs, the master suite features a spacious bedroom w/2 walk in closets, cedar closet, fireplaced sitting room & marble bath w/double sinks, tub & shower. Two additional bedrooms, laundry room,2 baths & a fantastic au pair/guest suite complete the second floor. Amazing finished walkout lower level w/full bath, sauna, family room, game room, bar & excercise area. Attached 3 car garage. Unbeatable walk to town center location yet peace & beauty abound!
Open House
Sunday
September 22 at 1:30 PM to 3:00 PM
Come see this wonderful 4BR Colonial privately set yet walk to town!
Cannot make the Open Houses?
Location: 658 Main St, Medfield, MA 02052    Get Directions

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10 Robinson Rd, Medfield, MA 02052

Single-Family

$1,350,000
Price

10
Rooms
4
Beds
4
Baths
Meticulous 3 year old light and bright Colonial boasts a sun filled 2 story family room w/vaulted ceilings and a beautiful stonefaced wood burning fireplace open to the eat in kitchen with center island and wet bar, dining room, living room, a study/guest room and full bath on the first floor. Master suite with gas fireplace w/attached office/work out room and luxurious bathroom with shower & soaking tub; 3 additional bedrooms, 2 full baths and laundry room complete the 2nd floor. Gorgeous finish work with custom two piece crown moldings, wainscoting, hardwood floors throughout and large Anderson windows. Unfinished walk up third floor with high ceilings and roughly plumbed. Attached 3 car garage. Conveniently located at end of cul de sac close to Medfield Center. Medfield offers a top ranked school system and wonderful restaurants.
Open House
Sunday
September 22 at 11:30 AM to 1:00 PM
Come see this turn key light and bright 3 year old home!!
Cannot make the Open Houses?
Location: 10 Robinson Rd, Medfield, MA 02052    Get Directions

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24 Rocky Brook Rd, Dover, MA 02030

Single-Family

$1,150,000
Price

9
Rooms
4
Beds
3/1
Full/Half Baths
Classic Center Entrance Colonial on a beautiful 1 acre lot in a highly desired Dover neighborhood. Cherry kitchen w/double oven, Sub-Zero and spacious eating area w/ bay window overlooking private yard. Spacious LR, DR, FR, plus office and enclosed porch. Generous master w/cathedral ceiling and skylights. All hardwood. Lower level game room. Beautiful backyard w/separately fenced in ground gunite pool. Security system and sprinklers. The charming town of Dover is located 15 miles SW of Boston, enjoys a low tax rate & Boston Magazine just named Dover's schools #1 in Massachusetts once again!
Open House
Sunday
September 22 at 11:30 AM to 1:00 PM
Come see this 4BR Colonial in one of Dovers best neighborhoods!
Cannot make the Open Houses?
Location: 24 Rocky Brook Rd, Dover, MA 02030    Get Directions

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