First-Time Home Buyers

If you are a first-time home buyer, use the guide below for helpful hints and tips and learn how to avoid common mistakes when buying your first home in Greater Boston, MA.

  • Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.
  • Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you're interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes - things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
  • Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.
  • Focus & Organization: In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
    1. One or more detailed maps with your areas of interest highlighted.
    2. A list or file of the properties that your agent has shown to you.
    3. Paper and pen for taking notes as you search.
    4. A camera to snap pictures of homes you have toured to help you remember your favories and features you really liked.
  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
  • Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don't forget such essentials as:
    1. Include inspection & mortgage contingencies in your written offer.
    2. Have the property inspected by a professional inspector.
    3. Request a second walk-through to take place within 24 hours of closing.
    4. You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please contact us directly to discuss any of these matters in further detail.

We loved working with Seth! He was very professional, helpful and responded to every email/phone call quickly. His patience and organized way of working was extremely valuable to us on our journey of building our dream home. Thank you, Seth!
Kate & Ryan
Seth has a unique and in-depth knowledge in Boston and Winthrop especially, so accordingly he’s developed a tremendous network of expert folks in every area that even touches home ownership or the Boston experience in general, and they have all been so very helpful and knowledgeable as well.
And Seth is hands-down the MOST responsive real estate professional with whom we have ever dealt and we’ve purchased many, many houses though the years! This to us has been a game changer in terms of our expectations going forward as Seth has now set the bar very high.
He is a genuinely kind and helpful person who sincerely cares about his customers and his extended network. He made the entire process seamless, painless, and timely. We so appreciate Seth’s professionalism and willingness to help and answer or anticipate questions at every turn.
We are pleased to enthusiastically recommend Seth Williams for all your real estate needs!
Todd & Tara
Tara & Todd
You want your place sold for top dollar? You want to buy your dream home?  These are your guys. I worked with Seth selling my condo and buying a home at the same time. Seth couldn’t have been more on point. Always kept us in the loop with everything and made it as easy as possible. There’s   nothing easy about selling a place and buying one at the same time, but Seth was the guy that made it easy and possible for us. Give Seth a call and you won’t be disappointed!
Joe & Ang
Seth and his Team helped me buy my first home this summer. Not only my first home, the right home for my budget. The transaction was smooth. Seth's referral to his finance team gave me a rate that made the purchase that much better. Seths aggressive approach to swoop in and get the offer in before an open house weekend showed me how much he wanted to get me that home. Same effort went into negotiations after the home inspection. If you are ready to buy then Seth and his team will make it happen!
Jeff L
I had my condo in Winthrop listed with a different agency for over 3 months and had barely any traffic. I went ahead and decided to work with Seth and it was the best decision we made. He had foot traffic on very first weekend of his open houses and within a very short time frame, we had an offer and basically at asking price. I'm a real estate developer and Seth's team and operation are second to none in the industry! We're beyond satisfied and grateful! Thank you Seth
Steve Siuda
I used Ledge and Young to buy my first rental property in Winthrop. Seth was a great guy to work with. Very knowledgeable and down to earth. He was also able to refer me to a few different trades people that I have been using ever since. I will definitely be working with Seth again as I look to expand my multi family portfolio.
Ted K.
Seth is a great agent and my go to referral partner for the area. He is very knowledgeable and easy to work with.
Kenneth Er
The experience from the start was great. No issues, showed us what we wanted to see regardless of how far away they were. Helpful in all aspects of any and all questions amd concerns we had. Notified me immediately when there was any change or update throughout the entire buying process.

Ledge & Young was helpful and thoughtful during the process and make us feel comfortable during the closing period where we actually got to close earlier than scheduled which got us moved in quicker. I would recommend the Ledge & Young team to friends and family for great service and pride in what they do.

I became very friends with the team years ago when we first started the dreadful search in the crazy Boston market. I still keep in contact with these guys as they've gained my friendship amd respect personally amd professionally.

Home buying is a process and a half - and with the right team members you can rest assured that this team I was given was on their toes from the start and gained my confidence early on to a successful acceptance of our offer to the final signing on the closing documents!

Well done team. We thank you again.

Joe

Joe Callesano