268A Broadway, Revere, MA 02151
617-285-0667 | dlozzi05@gmail.com

Posted by Danielle Lozzi on 5/21/2018

448 Central St, Saugus, MA 01906



Approx. GLA
KNOCK KNOCK! GREAT INCOME PROPERTY! Well maintained & cared for 2 family home for sale! Unit 1 offers LR, DR w/original built in hutch, Kitchen & 2 Bedrooms. In Unit washer and dryer hook ups, hardwood floors. Unit 2 offers 2 levels of living. Enter into Oversized living room w/hardwood floors. First bedroom on main level with first full bath, and Kitchen with tile flooring and glass back splash, opening into dining room. Also offering in-unit washer dryer hookups. Stairs from living room walk up to 2 large bedrooms with wall to wall carpet and second full bath. All separate utilities, 5 yr young electrical panels - 100 amp each, Flr 1 is gas heat, Flr 2 is oil and electric heat on upper level. 1 brand new H2O tank, 1 H2O tank 4 yrs old. Furnaces maintained yearly. Parking for 4 cars 2 tandem x 2 tandem. Fenced in Back Yard with Patio. Full basement for extra storage. #430 MBTA Bus, close to hwy, shopping and more....
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Tags: Real Estate   Saugus   01906   Multi-Family  
Categories: Price Change  

Posted by Danielle Lozzi on 5/21/2018

This Single-Family in Boston, MA recently sold for $625,000. This Raised Ranch style home was sold by Danielle Lozzi - M. Celata Real Estate.

21 Swan Ave, Boston, MA 02128

East Boston's Suffolk Downs


Sale Price

PRICE REDUCTION!! MOTIVATED SELLER! SPACE GALORE! ONLY 1 owner BE #2. LARGE single family-5 Bedroom in E.Boston. Enough space for your extended family. Live like your in the suburbs w/ good size backyard for entertainment space trex deck, shed for all your outdoor items, still close enough to the hustle & bustle of busy Eastie. Blue Line Suffolk Downs 2 blocks away. Enter into foyer that you may take stairs to main upper level or go to addt'l living space on grnd level. Grnd lvl has 2 carpeted bedrooms, Family room with SPECTACULAR brick wall & fireplace (pellet stove). Sliding doors direct walk out to backyard, a full bath w/ Washer/Dryer (remaining); Upper main level tiled Kitchen with granite counters/back splash; Stainless appliances all to remain, Hardwood floors in living room, dining room and hall, remaining 3 carpeted bedrooms. Not in flood zone according to flood map; 2 family conversion could be possible. Buyer/Agent responsible for conversion permit requirements

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Categories: Sold Homes  

Posted by Danielle Lozzi on 5/20/2018

Is a two-car garage a luxury or an essential feature of a home? While it may not always be a top priority for first-time buyers, many seasoned homeowners consider it a "must have" item. In a lot of cases, it all boils down to expectations and what people have grown accustomed to.

Climate also plays a key role in how important a two-car garage is to you and your family. However, even if your winters are mild and your snowfall amounts are slim to nil, there are other weather conditions that a garage can shield you (and your cars) from.

Being able to park your vehicles in a protected, enclosed area is especially welcome when you have an armful of groceries, inclement weather outside, small children in tow, or an elderly parent to care for. Once you start adding up the advantages of having a two-car garage, it makes you wonder how you ever got along without one!

  • Crime deterrent: No matter where you live, if your cars are parked in your driveway or on the street overnight, they're going to be much more vulnerable to vandalism, car theft, and break-ins. From a personal safety standpoint, it can also be safer to drive into your garage, close the automatic door behind you, and go directly into your house. Even if you live in a low-crime neighborhood, safety habits are a good thing to cultivate, especially if you sometimes arrive home late at night.
  • Valuable storage space: As you acquire more possessions and your family grows, storage space becomes more of a precious commodity. In addition to protecting your vehicles from the elements, spacious garages are also great for housing lawn mowers, bicycles, barbecue grills, golf clubs, yard maintenance equipment, spare tires, gardening supplies, firewood, tools, and lawn chairs. If you don't have a backyard shed, then garage storage space is indispensable.
  • Protection From The Elements: Besides wind and rain and dark of night, other elements your cars don't need to be subjected to include the hot, baking sun, bird droppings, and air pollution. And speaking of the hot, baking sun: Keeping your cars in a cool, shady place during the hot summer months can help spare you the discomfort of having to sit down in a sweltering vehicle! For those who live in chillier climates, garages can make your morning commute just a little less bone chilling!
  • Privacy: There are a lot of benefits to being sociable with your neighbors, but it's also nice to be able to pick and choose when those social interactions takes place! Parking in your garage can provide you with an extra measure of privacy when you don't have the time (or inclination) to stop and chat.
Whether or not a 2-car garage is a "must-have" for your next home depends on your climate, your neighborhood, and what you've grown accustomed to. For some people, a one-car garage may suit their needs just fine -- especially if they only own one vehicle and have all their yard maintenance taken care of by an HOA.

Posted by Danielle Lozzi on 5/13/2018

Preparing to buy a home is a long and stressful process for many. You’ve spent months, or even years, saving for a down payment, planning your future, and building your credit to ensure you get the best possible interest rate on your loan.

Then you find out, when getting preapproved for a mortgage, that your credit score dropped by a few points. So, what gives?

There’s a lot to understand about how credit scores affect mortgages and vice versa. In today’s post, I’m going to attempt to cover everything you need to know about how applying for a mortgage can affect your credit score so you’ll be prepared when it comes time to buy a home.

Prequalification, preapproval, and credit checks

There are a lot of misconceptions about what it means to be preapproved or prequalified for a loan. Some of it is due to the jargon that is used in real estate transactions, and some of it is just a marketing technique on the part of lenders.

So, what does it mean to be prequalified and preapproved?

The short version is that getting prequalified is a quick and easy process to determine whether you’re eligible to lend to and how much you’re likely to receive. It involves a quick review of your finances, and often includes either a self-reported or soft credit inquiry.

A “soft inquiry” is the type of credit check that employers typically use for a background check. It doesn’t affect your credit score, as you are not applying to open a new line of credit. In fact, many lenders’ process for prequalification is a simple online form that doesn’t even require a credit check. We’ll talk more about the difference between soft inquiries and hard inquiries later.

The simplicity of prequalification makes it a simple and easy way to get started. But, it isn’t always accurate in how well it predicts the type of mortgage and loan amount you can receive. That’s where preapproval comes in.

When you get preapproved for a loan you fill out an official application (you often have to pay for these). This will request documentation for your finances and assets, and will ask your approval to run a detailed credit report.

These credit reports are considered “hard inquiries” and are a vital step in getting approved or preapproved for a mortgage. However, they also, at least temporarily, lower your credit score.

Why hard inquiries lower your credit score

When any creditor, be it a bank or credit card company, is determining whether to lend to you, they want to know that you are a safe investment. To determine this, they want to know how frequently you pay your bills on time, how much you owe to other creditors, and how financially stable you are right now.

When you make multiple inquiries in a short period of time, it’s a red flag to lenders that you might be in trouble financially. Thus, hard inquiries will lower your credit score for 1 to 2 months.

Applying to multiple lenders: the silver lining

When borrowers apply for a mortgage, they often shop around and apply to multiple lenders. While it may seem that all of these hard inquiries will add up and drastically lower their credit score, this isn’t the case.

Credit bureaus take into account the source of the inquiries. If they realize that you are applying for mortgages, they will typically recognize this as rate shopping and group these applications together on your credit report, counting them only as a single inquiry. This means your score shouldn’t drop multiple times for multiple mortgage preapprovals that were made within a small time frame.

Now that you know more about how mortgage applications affect your credit score, you can confidently shop around for the best mortgage for you and your family.

Tags: credit score   Mortgage  
Categories: Uncategorized  

Posted by Danielle Lozzi on 5/12/2018

123-125 Lawrence St, Malden, MA 02148



Approx. GLA
Sold as is AS seen, TLC is needed to bring this great 2 family back to life. Family owned for over fifty years. 1st floor offers 2 bedrooms, living room/Dining room and kitchen. 2nd floor offers living room, dining room, kitchen, back sunroom(heated) and 3 bedrooms. Good size back yard to have summer barbecues and quality family time. AMPLE Off Street parking and shed. Convenient to highways, public transportation and schools.
Open House
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Tags: Malden   Real Estate   Multi-Family   02148  
Categories: New Homes