Best of Boston Living Group- LPT Realty

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Best of Boston Living Group- LPT Realty

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30+ years of bilingual Spanish, English, Portuguese experience in the real estate industy . Let's make it happen!

Our passion for real estate goes beyond the transactions; it's about building relationships and helping people achieve their dreams. Annelie Sirois helps homebuyers and sellers achieve their goal of buying their first home, and sellers get the maximum price in the shortest possible time. With 17+ years in the business, She have a broad knowledge of mortgage financing, negotiating and legal matters.

10/31/2026

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/24/2026

What if you could save $150–$300 a month on your mortgage payment just by choosing a different type of loan?

For some homebuyers, that could be a game changer. And it's one reason adjustable-rate mortgages (ARMs) are getting more attention.

According to Bankrate, ARM rates recently came in more than a full percentage point lower than traditional fixed-rate mortgages. That's potentially hundreds of dollars in monthly savings on a median-priced home.

And buyers are taking notice. About 1 in 10 mortgage applicants are now choosing an ARM, according to the Mortgage Bankers Association.

So, what's the catch?

Unlike a fixed-rate mortgage, an ARM gives you a lower introductory rate for a set number of years. After that, your rate can adjust up or down based on market conditions.

That means you could save money upfront, but you'd also need to be comfortable with the possibility of higher payments later.

And here's something worth knowing: Today's ARMs have more borrower protections than the risky loans that made headlines during the 2008 housing crisis.

The bigger takeaway? A traditional 30-year fixed mortgage isn't your only option.
If today's rates are making your homebuying budget feel tight, there may be financing options you haven't explored yet.

Curious whether an ARM could help make your next home more affordable? Connect with a trusted lender who can run the numbers.

10/17/2026

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

10/10/2026

You've probably heard the Federal Reserve (the Fed) is raising rates again. And if you're planning to buy or sell a house, you may be wondering what that means for you.

10/06/2026

🎉 Happy Birthday, Manrique Alvarenga! 🎂

Wishing you a fantastic birthday filled with happiness, laughter, and all the things you enjoy most! We’re so grateful to have you as part of the Best of Boston Living Team and appreciate everything you bring to our team and our clients. 🖤🩷

Here’s to another amazing year of success, great memories, and plenty of reasons to celebrate! 🥂✨

Happy Birthday, Manrique! 🎈
— Your Best of Boston Living Team 🏙️🩷

10/03/2026

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

09/26/2026

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

09/19/2026

Selling your house this fall is absolutely doable. But there’s something you need to know about this time of year.

09/12/2026

Ask a couple people how the housing market is doing and you’ll probably get a couple different answers. That’s because right now, the market runs on 2 very different tracks, split by price point.

09/05/2026

🏡 OPEN HOUSE TOMORROW! 🏡

Come see this charming home in Worcester! ✨

📍 96 Apricot St., Worcester, MA
📅 Sunday, September 6th
⏰ 11:00 AM – 1:00 PM

This beautiful home offers charm, updates, and a great opportunity to make it your own. Stop by, take a look, and imagine yourself calling it home! 🏠

💗 The Best of Boston Living Team
Helping you find your next chapter.

Address

361 Newbury Street, 3rd-4th Floor
Boston, MA
02115

Telephone

+19787661777

Website

http://www.bestofbostonliving.com/

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