Whether buying or selling an Italian Villa, a Seaside Escape or anything in between, allow Options Real Estate to assist with all your real estate needs


Options Real Estate
220 Humphrey Street #201
Marblehead, Massachusetts 01945
Servicing the entire North Shore

Phone: (978) 979-0845
Cell Phone: (978) 979-0845
Fax: (781) 631-2360

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Pre-approval is necessary prior to home shopping

Before Buying- Step One: Get Pre-approved
Before shopping for a home, it is important to know how much of a mortgage payment and down-payment you can afford. Many of today's sellers will permit their real estate agents to show their properties to "pre-approved buyers only" or will only accept offers based upon the buyer providing evidence of their pre-approval by a reputable lender.
Also, during the pre-approval process you will learn valuable information about your credit rating, any errors that may be lurking in your credit report, information about various mortgage products, and of course, how much home you can afford prior to shopping. The lender should generate a pre-approval letter for you which you should provide to your real estate specialist who is showing you properties as this is often a requirement of viewing a property or a pre-requisite of acceptance of any offers. To be an informed consumer it is really the very first step in home buying. For these reasons, it is in your best interests to attain a pre-approval from a reputable lender of your choice.

Further Mortgage and Lending Information
In my site, you will find a mortgage calculator to help determine payments. Also, you will find links where you may search the internet for necessary information, and links to specific mortgage search sites that can assist you in finding a lender. My advice is to fully research any mortgage lender prior to utilizing their services, ensuring that they are adequately licensed and to ask trusted sources for referrals.
A good place to begin is the Better Business Bureau, or State Attorney General's office or Division of Banking. Be wary, there are good and bad out there.
Every borrower's needs are different, some prefer to use their local neighborhood bank where they have a relationship, others use mortgage brokers, internet lending sites, and others use the larger mortgage companies or anything in between. Remember, whichever lender you decide upon, always use your common sense, and, if an offer sounds "too good to be true", it probably is.

"At Options, the Client Saves Money on Every Transaction"

Servicing: Amesbury, Andover, Beverly, Boxford, Danvers, Essex, Georgetown, Gloucester, Groveland, Hamilton, Haverhill, Ipswich, Lawrence, Lynn, Lynnfield, Manchester, Marblehead, Merrimac, Methuen, Middleton, Nahant, Newbury, Newburyport, North Andover, Peabody, Rockport, Rowley, Salem, Salisbury, Saugus, Swampscott, Topsfield, Wenham, West Newbury