The First Steps to Buying a Home

Buying your first home is exciting — but it’s easy to feel unsure where to start. By breaking the process into clear, early steps, you’ll move forward confidently and avoid surprises later.

1. Check your finances.
Before anything else, review your budget, savings, and credit. Because your credit score directly affects your rate, now’s the time to pay down balances and pull a free report.

2. Set a realistic price range.
Next, consider your ideal monthly payment and reverse-engineer it into a price point. (Use my affordability guide to estimate your comfort zone.)

3. Get pre-approved.
Then, talk with a trusted lender. Pre-approval clarifies what you can afford, strengthens your offer, and helps uncover loan programs such as MassHousing or ONE Mortgage that support Massachusetts buyers.

4. Choose your REALTOR®.
After that, interview agents who specialize in your target area. A great agent (hi 👋) explains the process, handles negotiations, and connects you with reputable lenders and attorneys.

5. Outline your “must-haves.”
Meanwhile, create a clear list of needs vs. wants — location, size, commute, yard, and features. Consequently, you’ll recognize the right fit faster once showings begin.

6. Learn the local process.
Massachusetts uses real-estate attorneys and has unique steps like offer contingencies and home inspections. Therefore, your agent and lender will guide you through each milestone right up to closing.

Bottom line: Ultimately, taking these foundational steps early will make the rest of your journey smoother and less stressful.

Ready to take the first step toward homeownership?
Let’s talk through your goals, timing, and next steps. Whether you’re buying soon or just starting to plan, I’ll help you build a clear strategy.