Ro Caddick-Kilduff - Realty Executives, Tri-County



135 Highwood Drive, Franklin, MA 02038

Rental

$1,650
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
This 2 bedroom 1 1/2 bath condo, is available to rent 9/1/2018. Kitchen has smooth top range, refrigerator, dishwasher and pantry. Open dining room/ living room has fireplace, slider to patio and wall to wall carpet. Upstairs has laundry, master with double closets & hollywood bath, 2nd bedroom has walk in closet. 2 wall ac's one in master and one in living room. 2 assigned parking spots. Great commuter location, easy access to 495 and the train.
Open House
No scheduled Open Houses

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324 South Street, Wrentham, MA 02093

Condo

$499,900
Price

10
Rooms
4
Beds
3/1
Full/Half Baths
This home has a unique Floor plan, with lots of room for entertaining. Cathedral ceilings on all three levels with exposed beams, gives this barn renovation a modern farmhouse feel. 4100 square feet of living space on 3 floors and a walk out basement with a 3 car Tandem garage. The floor plan is open with a Great room on the first level with wood beams, cathedral and fireplace, and built ins. You need to see this renovation that preserves this piece of architectural history with all the modern amenities.
Open House
Sunday
August 19 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 324 South Street, Wrentham, MA 02093    Get Directions




Many first-time home buyers are worried about all of the documents and information they’ll have to gather when applying for a mortgage. If you’re anything like me, you’re probably dreading having to dig through the five places that these documents might be. Fortunately, the process is now somewhat streamlined thanks to lenders being able to collect most of your information digitally.

In today’s article, we’ll talk about the documents you’ll need to collect when you apply for a home loan so that you feel prepared and confident reaching out to lenders.

Documents needed to pre-qualify

Before going into applying for a mortgage, let’s talk about pre-qualification. There are three types, or in some cases steps, of approval with most mortgage lenders: pre-qualification, pre-approval, and approval.

Pre-qualification is one of the earliest and simplest steps to getting pre-approved. It gives you a snapshot of the types and amount of loans you can receive. Pre-qualification typically doesn’t include a detailed credit analysis, nor do you need to provide many specific details or documents.

Typically, you’ll fill out a questionnaire describing your debts, income, and assets, and they will give you an estimate of the loan you might qualify for. Might is the key word here. Your pre-qualification amount is not guaranteed as you haven’t yet provided official proof of your information.

Documents needed for pre-approval

Getting pre-approved for a mortgage entails significantly more work on the part of you and your lender than pre-qualification. First, the lender will run a credit analysis. You won’t need to provide them with any information for this step, as they’ll be able to automatically receive the report from the major credit reporting bureaus. However, it’s a good idea to check your report before applying to make sure there aren’t any errors that could damage your credit.

Now is where the legwork comes in.

You’ll need to gather the following documents to get officially pre-approved or approved for a mortgage:

  • W-2 forms from the previous two years. If you are self-employed, you’ll still need to provide income verification, usually as a Form 1040, or “Individual income tax return.”

  • Two forms of identification. A driver’s license, passport, and social security card are three commonly accepted forms of identification.

  • Pay stubs or detailed income information for the past two or three months. This ensures lenders that you are currently financially stable.

  • Federal and State income tax returns from the past two years. If you file your taxes online, you can often download a PDF version that includes your W-2 or 1040 forms, making the process of submitting tax and income verification much easier.

  • Personal contact information. Name, address, phone number, email address, and any former addresses which you’ve lived in the past two years.

  • Bank statements from the previous two months. Also, if you have any assets, such as a 401K, stocks, or mutual fund,  you’ll be asked to include those as well.

  • A complete list of your debts. Though these will likely be on your credit report, lenders want to ensure they have the full picture when it comes to how much you owe other creditors and lenders.



This Condo in Franklin, MA recently sold for $240,000. This Townhouse style home was sold by Ro Caddick-Kilduff - Costello Realty.


165 Highwood Dr, Franklin, MA 02038

Condo

$223,000
Price
$240,000
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Pristine townhome in a prime location close to I-495, commuter rail, shopping, services and restaurants in desirable Franklin – voted the safest city in MA for 2018! This unit is exceptionally well maintained, with vinyl replacement windows, neutral paint and white woodwork throughout - nothing to do but move in! Kitchen has a large pantry and convenient pass-through to open concept dining/living room. Featuring a beautiful brick fireplace, this substantial room also boasts a slider to private rear common area facing pretty woods. Half bath for guests completes the first floor. Second level offers 2 spacious bedrooms, Hollywood bath and in-unit laundry! Master bedroom has double closets and in wall AC. 2nd bedroom has a fantastic walk-in closet with lots of storage space. You can put additional items in the convenient exterior shed! Highwood III is pet friendly and is literally seconds to Franklin’s beautiful new high school as well as elementary and middle schools.

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20 Longfellow Drive, Franklin, MA 02038

Single-Family

$572,999
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
This Stunning Colonial is waiting for you. This home sits on a corner lot in Longfellow Estates, many updates have been done. 24x14 Family room with Cathedral Ceiling, fans, wood beams, Brazilian hardwood floor, fireplace, & slider to deck. Eat in Kitchen with 2 fans, ceramic tile floor, slider to deck and granite counter top. Formal Dining room with wood floor. Office has french doors, fan and hardwood. Driveway in 2013, House painted in 2013, Heating system/hot water tank 2009, windows and doors 2008, Central Air 2007, Pool & spa updated in 2010, Shed in 2006. Large deck 44x12 looks over the pool and hot tub and beautiful landscaping with many flowers. 2 Car garage with openers. Master Bedroom with walk in closet, fan and bath. Main bath has double sinks for 3 additional bedrooms. Bedrooms and stairs with new carpet. This home could be yours. New septic system to be installed prior to closing. Showings begin at Open house on Sunday the 12th at Noon
Open House
Sunday
August 12 at 12:00 PM to 2:00 PM
Showings begin at open house on Sunday at Noon
Cannot make the Open Houses?
Location: 20 Longfellow Drive, Franklin, MA 02038    Get Directions

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