Posted by Muneeza Realty Group on 10/13/2018

We all want our homes to be secure, but do we really take the steps that are necessary to make security a priority in our homes? Between home security and neighborhood security, you’ll want to do whatever you can to keep both your home and your neighborhood safe. Below, you’ll find some tips to help you select and maintain a safe home an neighborhood. From the moment you move into a new home, you should have your eyes peeled for ways to make your home and neighborhood a safer place to live. Some often overlooked parts of home security are:


  • Door locks
  • alarm systems
  • Smoke detectors
  • Neighborhood visibility
  • Window locks
  • Home entrances and exits


Make Safety A Part Of Your Search Criteria


If you do research before you even buy a home, you can avoid living in an area where you will regret moving to. There are plenty of online resources to help you see where crime is prevalent as opposed to where safer neighborhoods are. Doing this research can be extremely valuable to your home search. Some search engines even provide a certain amount of data that’s available by street as to when and where incidents have happened. Although you may not want to get that detailed, you can use the data you find to help you in your home search. A neighborhood with a large number of incidents may not be where you want to start your home search.   


Find The Holes In Your Home’s Security


Once you close on a home, one of the first things that you should do is asses the security inside the home. This means changing the locks, checking the windows, looking for entrances such as a basement door, and more. Check the smoke and carbon monoxide detectors as well. This can really help to ensure that your new space is safe in a few simple steps. To get more heavily into security, install a security system. You can get a system that’s professionally monitored or a simple home alarm to ward off thieves. 


Get To Know The Neighbors


If you take the time to get to know your neighbors, your neighborhood is more likely to be secure. If you are acquainted with the people next door, they’re apt to keep an eye out on your property and vice versa. You may even want to get involved or begin a neighborhood watch program to help keep the neighborhood safe.


The key to home and neighborhood security is vigilance. The more observant you are, the better chances you have of preventing crime from striking your area.   






Posted by Muneeza Realty Group on 10/12/2018


571 South St, Shrewsbury, MA 01545

Single-Family

$799,900
Price

10
Rooms
4
Beds
3
Baths
Brand new construction and ready for delivery soon! House is built to maximize views and backyard space~Offered for the first time with private pastoral views of stonewalls and woodlands ~Perfect country setting~ Reputable builder from Boston builds CUSTOM CRAFTED HOME~Gourmet white kitchen with high end Bosch appliances and quartz waterfall kitchen island~Stand alone tub in Master~Quality finish details with beautiful hardwood flooring on main floor, high ceilings, wainscoting and crown moldings~First floor Guest Bedroom possible ~ Full Bath on First Floor~City water, 4 bedroom septic and Natural Gas~Two separate units for heating and cooling~Only 35 miles from Boston,7 miles from Worcester and just 1.6 miles to the Westborough Train Station.This is HOME !!!
Open House
Sunday
October 14 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 571 South St, Shrewsbury, MA 01545    Get Directions

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Categories: Open House  


Posted by Muneeza Realty Group on 10/9/2018

3 beds(3rd bed and bath are in the finished basement), 3.5 baths freshly painted townhouse in sought after "Landings at Ternberry" neighborhood. Open floor plan perfect for entertaining, hardwood floor throughout, Granite counters, 2 zone central air conditioning, 2 zone gas heating, beautifully finished basement with a guest bedroom and full bath, lots of closet space for storage complete this home. Great neighborhood with sidewalks and town owned park. Minutes to 290 and Rt. 9. Minutes to shopping and restaurants. 1st, last and security deposit required. $30 fee per applicant for background check. Available now!

More Info on this Property | New Listing Alerts





Posted by Muneeza Realty Group on 10/9/2018

Brand new construction and ready for delivery soon! House is built to maximize views and backyard space~Offered for the first time with private pastoral views of stonewalls and woodlands ~Perfect country setting~ Reputable builder from Boston builds CUSTOM CRAFTED HOME~Gourmet white kitchen with high end Bosch appliances and quartz waterfall kitchen island~Stand alone tub in Master~Quality finish details with beautiful hardwood flooring on main floor, high ceilings, wainscoting and crown moldings~First floor Guest Bedroom possible ~ Full Bath on First Floor~City water, 4 bedroom septic and Natural Gas~Two separate units for heating and cooling~Only 35 miles from Boston,7 miles from Worcester and just 1.6 miles to the Westborough Train Station.This is HOME !!!

More Info on this Property | New Listing Alerts





Posted by Muneeza Realty Group on 10/6/2018

What do buying a house, opening a credit card, and getting approved for an auto loan have in common? They all depend on your credit score.

Building credit is a multifaceted undertaking. In a way, this is a good thing--you wouldn’t want lenders to base their opinions solely on one aspect of your financial history. The downside is that understanding just what makes up your credit score can be difficult.

To complicate matters further, there isn’t one standard method for scoring your credit, and different credit bureaus each use their own criteria.

In this article, we’re going to talk about some of the factors the major credit bureaus use to calculate your credit, and give you some ways you can boost your credit.

But first, let’s talk about some of the implications of having a good credit score.

Why credit matters

Typical credit scores range anywhere from 250 to 850. The three main reporting agencies (Equifax, TransUnion, and Experian). Most lenders use a combination of those scores that is reported by FICO.

Most credit reports will rank your category from “bad” to “excellent.” Here’s an example of what a credit ranking might look like:

  • Excellent: 750+

  • Good: 700 - 749

  • Fair: 650 - 659

  • Poor: 550 - 649

  • Bad: -550

U.S. legislation makes it possible for Americans to receive a free report of their credit score and to challenge and correct the score if it contains inaccuracies.

If you’re thinking about buying a house, opening a new line of credit, or taking out a loan of some kind, then the provider will likely run your credit score. Those providers are going to want to see a return on their investment, so they’ll charge interest.

If you have a high credit score, it tells the lenders that you are a low-risk investment, and therefore they can offer you a lower interest rate, saving you money in the long run.

Components of a credit score

There are five main factors that credit bureaus take into consideration when formulating your credit score. Not all of the factors are treated equally. Your ability to pay your bills on time, for example, is considered to be more important than the types of bills you have. Here’s a breakdown of the five components that make up a credit score:

  • 35% - Bill and loan payments

  • 30% - Current total amount of debt

  • 15% - Amount of time you’ve had credit (since you took out your first loan or opened your first credit card)

  • 10% - Types of credit (cards, loans, etc.)

  • 10 % - New credit inquiries

Quick tips for building credit

It takes time to build credit and improve your score. So, if you’re hoping to buy a home within the next few years, now is the time to start working on your credit. Here are some best practices for building credit:

  • Set up autopay for your bills to avoid late payments. Even if the service doesn’t offer autopay, you can likely set up recurring payments through your bank.

  • Settle outstanding debt. Avoiding debt that you can’t pay off will only hurt you more in the long run. Call your creditor and see if they offer debt relief programs. More likely than not they’d rather work with you to ensure they receive some repayment rather than none at all.

  • Start budgeting the right way. New budgeting software like Mint and “You Need a Budget” are easy to use and link up with your accounts. They’ll help you monitor your spending and start paying off debt.

  • Don’t open new lines of credit close to when you want to take out a loan. New credit inquiries can briefly lower your credit, especially if you make more than one. Viewing your free credit reports doesn’t count as an inquiry, so feel free to do that as often as needed to check your progress.

  • Get credit for bills you’re already paying. You can report your monthly rent payments, switch bills into your name that you contribute to, or take out a credit builder loan. All three will help you build rent without changing your spending habits.







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