The Most Googled Questions from Home Buyers — Answered

Buying a home is an exciting milestone, but it can also feel overwhelming—especially if you are a first-time buyer. Every day, people just like you are searching Google for answers to important questions about the home-buying process.

As a local real estate professional, I am here not just to help you find the perfect home, but to guide you every step of the way—starting with answers to the most commonly Googled questions by  homebuyers.

1. How do I start the home buying process in Massachusetts?

Start with a clear understanding of your finances—know your credit score, set a budget, and get pre-approved for a mortgage. A pre-approval letter not only gives you clarity on what you can afford but also strengthens your offer when you’re ready to make one.

How I help: I connect buyers with trusted local lenders for pre-approvals and walk you through the initial planning steps so you’re prepared and confident from the start.

2. What are the hidden costs of buying a home?

Beyond your down payment, you’ll want to budget for closing costs (loan origination fees, inspections, attorney fees, etc.), property taxes, home insurance, and future maintenance.

How I help: I give you a clear estimate of your full cost breakdown upfront so there are no surprises—and I recommend home inspectors, attorneys, and insurance agents who are reliable and cost-effective.

3. How much should I save for a down payment?

You may have heard you need 20%, but many Massachusetts programs offer options with as little as 3–5% down.

How I help: I connect you with lenders and local programs that can help reduce your upfront cost—especially for first-time buyers.

4. Do I need a real estate attorney?

Yes, Massachusetts is an attorney state, meaning you’ll need one for the legal parts of the transaction—especially for reviewing the Purchase and Sale Agreement.

How I help: I have trusted real estate attorneys I can refer you to, and I coordinate with them to keep the process smooth and efficient.

5. What’s the difference between pre-qualification and pre-approval?

Pre-qualification is a rough estimate, while pre-approval is a formal commitment from a lender. Sellers take your offer more seriously when you’re pre-approved.

How I help: I’ll guide you to reputable lenders who can get you pre-approved quickly so you are ready to act when the right home hits the market.

6. What are closing costs, and how much should I expect to pay?

Expect to pay about 1–3% of your loan amount in closing costs. This includes fees for the appraisal, title insurance, legal services, and more.

How I help: I’ll provide a personalized estimate based on your loan type and the area you’re buying in—and I’ll help you explore options to reduce or roll some costs into your loan.

7. Can I buy a home with bad credit?

Yes, it’s possible—with options like FHA loans or state programs. However, you might face higher interest rates or stricter conditions.

How I help: I’ll refer you to lenders who specialize in working with buyers with challenged credit, and help you explore programs designed to make homeownership more accessible.

8. What should I look for during house hunting?

Pay attention to condition, location, resale value, layout, school zones, and your lifestyle needs. Sometimes, the “perfect” home on paper might not feel right in person—and vice versa.

How I help: I preview homes, highlight pros/cons you may not notice, and offer honest insights to help you make a confident decision.

9. Should I get a home inspection?

Yes! Even with newer homes, an inspection can reveal hidden issues and give you leverage during negotiations.

How I help: I work with experienced inspectors who give detailed, unbiased reports—and I help you interpret their findings to negotiate repairs or credits.

10. What is PMI, and will I need it?

Private Mortgage Insurance (PMI) is typically required if you put down less than 20%. It protects the lender—not you—if you default.

How I help: I’ll explain when PMI applies and help you compare mortgage options to reduce or avoid it altogether if possible.

Let’s Make Your Homeownership Dream a Reality

If you are buying a home, you don’t have to go it alone—or rely on Google to get the full picture.

As your local real estate expert, I’m here to:

• Break down complex steps into clear, manageable actions

• Connect you with top professionals (lenders, attorneys, inspectors)

• Help you negotiate and advocate for your best interests

• Make the entire process less stressful—and even enjoyable

Let’s connect today to talk about your goals and how I can help you find your perfect home.

You can call, text or email me, let’s get the conversation started.