Contact Seth Williams & The team at Reference Real Estate
Please understand that our job is to make sure you have all the information you need at the time you need it. Feel free to contact our team at any time by giving us a direct call, or, shooting our team an email.
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Office: 61 Boardman Street Boston, Ma 02128 |
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Buyers
Are you thinking about buying? The video resources below cover many of the common questions that most people have during the home buying journey.
First Time Buyers
Are you a first-time homebuyer? Did you know that if you haven’t owned a property in the last three years that you are considered a first-time homebuyer?
First-Time Home Buyer Advice
You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer.
How much down payment do I need for a house?
Many first-time homebuyers believe they have to put 20 percent down on a home. But that’s far from true.
Why do people say you need 20% down?
Average down payments are well under 20 percent. So why do so many people say 20 percent down is the minimum.
How to choose a mortgage lender as a first time home buyer
One of the biggest mistakes first-time homebuyers make is not shopping around for a mortgage.
What credit score do you need to buy a house for the first time?
Most loan programs require a credit score of 620 or higher to buy a house for the first time. That includes conventional loans, most VA loans, and USDA loans (which require 640+).
What qualifies you as a first-time buyer?
If you’re buying your first-ever home, you’re a “first-time homebuyer” by default.
Do I need a home inspection?
Some loan types, like the FHA and VA mortgage programs, require a home inspection to make sure the home meets requirements for safety and affordability.
What are points? How do I know if I should buy them or not?
A point is simply 1 percent of the loan amount. If you choose to “buy your rate down,” or pay “discount points,” you will get a lower interest rate.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is an insurance policy that makes homeownership possible for homebuyers who don’t want to make a 20 percent down payment.
Making An Offer
Before the offer to purchase is created, you must be at least pre-qualified or, better yet, pre-approved by a lender, unless you are paying cash.
Escrow, Now What?
Once your offer is accepted by the seller it starts the escrow period. You will be asked for a down payment, typically 1% of the purchase price.
Mortgage Calculator
The easiest way to determine your estimated monthly mortgage payment is by talking to a lender. However, the calculator below can also help point you in the right direction.
Mortgage Pre-Approval
Thinking about buying a new home? If you're not paying cash, then you’’ probably need a mortgage.
Personalized Home Search
Complete the form below and we'll create you a custom property search. Anytime when we find properties that match your specific criteria we’ll send you an email.
What Are Closing Costs?
You've found your dream home, the seller has accepted your offer, your loan has been approved and you're eager to move into your new home.
Thinking About Selling? Watch This.
Are you thinking about selling? If so, the video resources below cover many of the common questions that most people have during the home selling journey.
Selling A Property? Here's How To Add Value!
Which items will add value to your home and help with resale when the time comes to sell? The answer is: “The ones that future buyers also want and are willing to pay for.”
Our Marketing Strategy
Let’s take a moment to talk about how we use both traditional and online strategies to promote your home to the largest group of qualified buyers.
Find Out Your Property Value; For FREE!
Would you like to know your home's estimated value? Our free market analysis service provides you with your property's current market value and suggested selling price!
What sales price should you list your home for?
When you hire us to list your property we provide you a Comparative Market Analysis (CMA) which is a compilation of recent sales from your area.
Tips For A Successful Home Showing
Real estate showings give potential buyers the opportunity to see and experience your home in person.
5 Homebuyer Tips
Here are five tips for navigating the home buying process.
3 Financing Tips
If you are planning on buying a home using a home loan then these three tips will help you get prepared for the financing process.
Credit Score Ranges & Factors
A credit score is a number between 300–850 that depicts a consumer's creditworthiness.
Required Mortgage Documents
Every lender requires documents as part of the process of approving a mortgage loan. Here are documents you’re generally required to provide...
How to Improve Your Credit
Credit scores play a big role in determining whether you’ll qualify for a loan and what your loan terms will be.
The Home Inspection Process
After your offer gets accepted, you’ll have an inspection period. This is your opportunity to have a licensed inspector canvas the home looking for common issues prior to moving forward with the home purchase.
The Appraisal Process
Once you are under contract, your lender will send out an appraiser to verify the purchase price is in line with the property’s value. Here are the two most important things to know about the appraisal process.
Homeowners Insurance
A homeowners insurance policy will protect you against certain losses and damage to your new home and is generally required by lenders prior to closing.
How To Buy in a Tight Market
Here are five things tips that can increase your chances of getting your dream house in a competitive housing market.
Thinking About Remodeling? Here’s some tips.
If you’ve made the decision to remodel your home before selling it, you should do some research to find the right contracting company.
Digital Photography
When selling your home, it’s important to upload high-quality images that really show it off to potential buyers.
How to Recognize a Qualified Buyer
When you’re selling your home, it’s exciting to get an offer! But unless your potential buyer has the resources to qualify for a mortgage, you might not really have a sale.
Questions to Ask Yourself When Considering Selling
If you’re thinking about selling your home and moving to a new location but you aren’t entirely sure about the idea, here are some helpful questions to ask when making up your mind.
Tips to Make the Sale Process Faster
If you’re thinking about listing your home on the market, here are some tips to make the sale process faster and easier long term.
Home Showing Checklist
If you’re selling your home and are getting ready for a home showing, here are some tips that will increase your chances of success.
How To Add Curb Appeal
Want to add some curb appeal to your home before listing it on the market? Here are some tips that will help!
How To Attract More Buyers
Attracting buyers to your home on the market is an important task in order to have it sell quickly. Here are some tips on how to convince buyers to make an offer on your home!
What to Know About the Appraisal Process
After accepting a contract for the sale of your home, the buyer’s lender will send an appraiser to make sure the purchase price is in line with the property’s value.
How Commission Works.
When sellers look at how much their agents are making on the sale of their home, they often feel like services are overpriced and that they can do the same thing themselves.
You Have A Buyer, Now What?
After you receive an offer on your home, the negotiation and contract process will begin. There are many things to consider in order to keep the deal together!
Finding Buyers On Zillow!
Did you know that Zillow allows anyone to see the total amount of views and saves for any property that is currently on the market?
First Impressions Are Everything!
Congratulations on listing your property! Our team stays up to date with every property on the market, so we know a thing or two about making your home showroom ready.
What Are Property Disclosures?
No matter how great a home may look at first, problems may be hiding under that fresh coat of paint. As a buyer, you should scrutinize the property disclosure!
Is the Buyer Pre-Approved, or Not?
When selling a home, it’s important to understand the different types of loan approvals that you will come across.
A Different Marketing Approach!
When you’re selling a home, it’s important to make sure as many buyers see it as possible.
Is Your Property Worth More?
If you’ve decided to list your home yourself, are you sure the price is accurate and not underpriced?
What is an iBuyer Program?
A common misconception is that the selling process is complex. Unconventional online iBuying programs have grown in popularity as people seek more convenient transactions, like Redfin, Open-door, and Offerpad.
Frustrated With The Selling Process?
Are you frustrated because your property didn’t sell immediately? With the way the real estate market looks right now and the value of your property, it should have sold in an instant!
Did Your Listing Recently Expire?
Did you know that your property in the Multiple Listing Service or MLS has expired? This information is sent out to all of the real estate websites across the nation, and if your listing has expired, then your property really isn’t on the market anymore.
Common Mistakes Most Agents Make!
It’s frustrating when you’ve previously listed your home for sale, and it has stalled on the market for months. Sooner or later, the listing will expire. Don’t let it get you down!
How to Instantly Attract More Buyers!
Have you put much thought into putting your property up for sale again? Your property hasn’t been on MLS for some time, and you might be hesitant to re-list a property over again.
How Is Your Marketing Different?
What’s the secret to effectively marketing your property and attracting more buyers to generate multiple offers? It’s all about working with professionals that understand how to adjust the marketing plan based on your property’s unique features.
Think Before you Re-list Your Property!
What was that missing ingredient from the last time you listed your property? You wanted to see it sold FAST, but obviously, there was another piece to the puzzle.
What’s Your Motivation?
Everybody has a reason for listing their property. Do you remember what yours was? This reason fuels your motivation and drive to keep at it, even if your property doesn’t sell the first time.
Sometimes All You Need Is A Fresh Start!
Sometimes all you need is a fresh start! We have found that 90% of the time, relisting with a new agent is all that is needed to get the property sold. Oftentimes with little or no changes made to pricing, marketing, or property presentation.
You Deserve More Attention
We believe that communication is the number one key to a successful real estate transaction!
Welcome
Thank you so much for registering on our home search website! Here are some basic tips about navigating the website and how the home search experience works.
Schedule Call
Do you have questions about the home buying or selling journey?
Careers
Have you ever thought about a career in real estate? Maybe you are already licensed and looking for your next opportunity.
FSBO
Do you currently have your home listed for-sale-by-owner? Or maybe you are thinking about listing your home privately.
Expired
Did you list your home with a real estate agent and it didn’t result in a successful sale? The good news is that it doesn’t have to be the outcome.
Price Reductions
The best way to get a great deal on a new property is by buying at the best price possible! Below is a list of properties where the sellers have decided to drop their asking price. This usually means that the homeowner is motivated to sell the property and move on.
Just Listed
The best properties usually don’t stay on the market very long. Below is a list of properties that just became available for sale. This is where many active buyers find their dream home!
Market Watch
The real estate market is constantly changing. If you are thinking about selling your home then now is a really good time. Property values have increased over the past few years and pent-up demand is pushing the price even higher!
