Homebuyer Resources

Credit Score Inquiries

Knowing your credit score and history is key to ensuring you start your home buying search off on the right foot. The first thing you need to do is get a free credit report from all three major credit bureaus. These reports let you know if there are any credit problems that you must fix, and can give you a few clues on how to raise your credit score (if necessary). If you spot any issues, you’ll need to contact the reporting bureau to get them fixed – their contact information is listed below.

Credit Score Inquiries

Knowing your credit score and history is key to ensuring you start your home buying search off on the right foot. The first thing you need to do is get a free credit report from all three major credit bureaus. These reports let you know if there are any credit problems that you must fix, and can give you a few clues on how to raise your credit score (if necessary). If you spot any issues, you’ll need to contact the reporting bureau to get them fixed – their contact information is listed below.

Equifax
(800) 685-1111

Experian
(888) 397-3742

TransUnion
(800) 888-4213

Credit Repair Scams

If you need help with repairing your credit score, there are plenty of reputable groups out there who can help. But be warned – there are also companies who want to steal your money. According to the Consumer Financial Protection Bureau, “Warning signs for credit repar scams include companies that ask your to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score ot get rid of negative credit information in your credit report, even if that information is accurate and current.” To learn more, visit the Consumer Financial Protection Bureau’s website.

Credit Repair Scams

If you need help with repairing your credit score, there are plenty of reputable groups out there who can help. But be warned – there are also companies who want to steal your money. According to the Consumer Financial Protection Bureau, “Warning signs for credit repar scams include companies that ask your to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score ot get rid of negative credit information in your credit report, even if that information is accurate and current.” To learn more, visit the Consumer Financial Protection Bureau’s website.

Home Inspection Services

Having a quality home inspection done on the home you hope to buy is so important. Before committing yourself to a purchase, you need to be sure that the house is in good shape. The best home inspectors issue reports that meet or exceed the standards of the International Association of Certified Home Inspectors or the American Society of Home Inspectors. Click either link to find a home inspector near you.

Lead
Testing

Any home built prior to 1978 is at risk for having lead paint, which could lead to serious health problems. Sellers are required by law to notify a buyer of any known lead in the home, as well as provide inspection reports, risk assessment reports, and letters of compliance or control. For more information on lead testing in Massachusetts, click the button below.

Mold
Testing

No one wants to deal with mold. Unlike lead, reporting laws on mold are less stringent and buyers aren’t always required to disclose problems. That means buyers need to be vigilant. Home inspectors may be able to give you feedback on water damage or warning signs, but if you’re concerned, it might be a good idea to get a mold inspection on the property.

Chimney
Inspection

When making a large investments, it is always better to be safe than sorry. While home inspectors check to make sure fireplaces and chimneys are structurally sound, they do not check to see how well they work. A chimney inspector will ensure that a fireplace is safe to use, as well as tell you about any major issues before you sign on the dotted line.

Homebuyer Assistance Programs

Sometimes it can be hard to put together the money for a down payment or to cover closing costs. Luckily, there are a number of programs and grants out there to help with these expenses! We have access to a database that helps you find the right program for you, no matter where you live.

Homebuyer Assistance Programs

Sometimes it can be hard to put together the money for a down payment or to cover closing costs. Luckily, there are a number of programs and grants out there to help with these expenses! We have access to a database that helps you find the right program for you, no matter where you live.

CLUE Reports

If you are considering a home purchase, you should absolutely request a CLUE report from the sellers. CLUE stands for Comprehensive Loss Underwriting Exchange, which is a database where insurance claims history is stored. A CLUE report lists all insurance claims made on a property for the past seven years. Homeowners are entitled to a free CLUE report on their home annually.

CLUE Reports

If you are considering a home purchase, you should absolutely request a CLUE report from the sellers. CLUE stands for Comprehensive Loss Underwriting Exchange, which is a database where insurance claims history is stored. A CLUE report lists all insurance claims made on a property for the past seven years. Homeowners are entitled to a free CLUE report on their home annually.