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	<title>Open House Review &#8211; &#8211; Spier Family Realty</title>
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	<title>Open House Review &#8211; &#8211; Spier Family Realty</title>
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		<title>OPEN HOUSE SUNDAY OCT. 22 IN HAMPDEN MA</title>
		<link>http://spierfamilyrealty.com/open-house-sunday-oct-22-in-hampden-ma</link>
					<comments>http://spierfamilyrealty.com/open-house-sunday-oct-22-in-hampden-ma#respond</comments>
		
		<dc:creator><![CDATA[Geoffrey Spier]]></dc:creator>
		<pubDate>Wed, 18 Oct 2017 21:54:49 +0000</pubDate>
				<category><![CDATA[Open House Review -]]></category>
		<category><![CDATA[Uncategorized -]]></category>
		<category><![CDATA[3 bedroom]]></category>
		<category><![CDATA[buying a house]]></category>
		<category><![CDATA[fareway]]></category>
		<category><![CDATA[getting a mortgage]]></category>
		<category><![CDATA[home for sale]]></category>
		<category><![CDATA[homes in chicopee]]></category>
		<category><![CDATA[homes in Hampden]]></category>
		<category><![CDATA[homes in springfield]]></category>
		<category><![CDATA[house for sale]]></category>
		<category><![CDATA[landmark Realtors]]></category>
		<category><![CDATA[open house]]></category>
		<category><![CDATA[proof of funds]]></category>
		<guid isPermaLink="false">http://spierfamilyrealty.com/?p=286</guid>

					<description><![CDATA[Open House this weekend at 270 Wilbraham Rd. Hampden, MA What an opportunity this spacious Cape offers, 5 rooms on the 1st level and a walk-up unfinished second level. Large family room with fireplace opens to 3 season room overlooking scenic and private back yard and woods behind it, ideal for family fun and entertaining. [&#8230;]]]></description>
										<content:encoded><![CDATA[<h2>Open House this weekend at 270 Wilbraham Rd. Hampden, MA</h2>
<p><img class="size-medium wp-image-292 alignleft" src="http://spierfamilyrealty.com/wp-content/uploads/2017/10/72211669-3-300x225.jpg" alt="" width="300" height="225" /></p>
<p><img class="size-medium wp-image-291" src="http://spierfamilyrealty.com/wp-content/uploads/2017/10/72211669-0-300x225.jpg" alt="" width="300" height="225" /></p>
<p>What an opportunity this spacious Cape offers, 5 rooms on the 1st level and a walk-up unfinished second level. Large family room with fireplace opens to 3 season room overlooking scenic and private back yard and woods behind it, ideal for family fun and entertaining.</p>
<p>The large outbuilding can serve as a barn, 2 car garage, workshop or entertainment building. The dining room has it&#8217;s own fireplace and picture window with Western view and gorgeous sunsets.</p>
<p>Two 1st level bedrooms with hardwood floors. This home has been cared for and is spectacular, charming with loads of character and curb appeal, a must see.</p>
<h3></h3>
<h2>Previous Open house Videos&#8230;</h2>
<p><iframe width="640" height="360" src="https://www.youtube.com/embed/YJFxpWK6arw?feature=oembed" frameborder="0" allowfullscreen></iframe></p>
<p><iframe width="640" height="360" src="https://www.youtube.com/embed/OHESqQnozYE?feature=oembed" frameborder="0" allowfullscreen></iframe></p>
<h2>What&#8217;s in your Pocket?</h2>
<p>I must say I am enjoying meeting new people, getting to know them and getting to help them with finding the house that will work for them.  Although it is a long tedious road between searching for a home and watching the smiling faces as they move into their own place, but every step is worth it and for that I thank everyone for bringing joy into my life<em><strong>.</strong></em></p>
<p><em><strong>What do I do first&#8230;</strong> O</em>ne of the things I find with my clients who are usually first time home buyers, when searching for a home, they are unsure of what they need to do first.</p>
<p><em><strong>The biggest things</strong> </em>I find is buyers want to do is search for that perfect home.  That is great in one aspect, it gets them thinking of what they want to get, number of bedrooms, do you want to live on one level or two, do you want the basement finished, stone counters in the kitchen, or how about that jacuzzi tub in the bathroom, or the size of yard, how about the number of bedrooms, or the number of bathrooms, if you have children, what do you want in a schools system.  Last but not least, what about other amenities in the area, such as, gyms, shopping malls, parks, and other recreational facilities that might be near by. Perhaps you have a specific community you wish to reside in, or an area that has less crime&#8230;  All these are great things to think about and they are a necessary part of buy your home, but it is not the first thing you should do.</p>
<p><strong><em>What I want you to focus on first&#8230;</em></strong> what can your wallet afford.  That is right, lenders have strict guidelines these days when it comes to lending money to people, and they will go through your financials with a fine tooth comb.</p>
<p><em><strong>D</strong><strong>o you know your Credit score?</strong></em> If you don&#8217;t know, any financial institution can help you find out, you can even do it yourself  online by going out to any of the big three credit bureaus or Credit karma to find out. Credit scores below 630 gets you a <em>&#8220;come back when your credit score is better&#8221;. </em>But this doesn&#8217;t help you when you are not sure how to do this or even what you need to do, I can help you with this as part of my services to you.</p>
<p><strong><em>Who can I talk to to see if I can qualify for a mortgage</em></strong>&#8230; I know several fine people who are willing to assist you in seeing what you can afford in a house, most of them require some personal information, so when you approach them here is a list of items you will need when you meet a lender for assistance:</p>
<ul>
<li style="padding-left: 90px"><em>Two years of W-2 and  </em></li>
<li style="padding-left: 90px"><em>Two years of Tax Returns </em></li>
<li style="padding-left: 90px"><em>at least one months worth of Paystubs</em></li>
<li style="padding-left: 90px"><em>two months of your current Bank statements.</em></li>
</ul>
<p>I happen to<em> know of a couple of agents who work with applications that help you streamline the process to some degree.  <a href="https://mtgpro.co/chxja">Click here to to sign in to the secure website or download the FarewayNow app on your phone.</a> </em>You will be connected with Heidi-Jo Kemp at Fareway Independant Mortgage Corporation. Heidi-Jo was one of the top Mortgage lending officers for Country Bank for many years and is now working on her own to help people like you know what&#8217;s in your pocket.</p>
<p>Once you have that pre-approval letter, or <strong>PROOF OF FUNDS</strong>, the rest of the process becomes much easier for everyone, and will take away a lot of the stress and worry about your future purchase.</p>
<p>If you are looking for a home and you haven&#8217;t seen the right one, please contact me at <a href="mailto:Geoffrey.Spier@SpierFamilyRealty.com?Subject=Help%20me%20find%20home" target="_top"><b><i>Geoffrey.Spier@SpierFamilyRealty.com</i></b></a> or <a href="http://spierfamilyrealty.com/signup" target=""><b><i>Click here to sign up with us</i></b></a> and let us assist you in finding available properties within the MLS system. You can also fill out this short survey to let us know what you are looking for, <a href="https://docs.google.com/forms/d/e/1FAIpQLSeMZ3ll8UyewlUgWU3_hKxv6qwIkGzo6Z8mI6tOcrnJ1wr1xg/viewform?usp=sf_link" target=""><b><i>click here</i></b></a> to fill out the survey. Thank you for your time and good luck to you in finding the home that fits your needs.</p>
<p style="text-align: center"><a href="http://spierfamilyrealty.com/signup"><img class="aligncenter size-medium wp-image-289" src="http://spierfamilyrealty.com/wp-content/uploads/2017/10/GBSLandmarkLogo7darkerme-300x167.png" alt="" width="300" height="167" /></a></p>
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