Christopher Byrne | Boston Real Estate MetroWest Real Estate to Cape Cod Real Estate


If you believe you are coming close to the time to buy your first home, you'll want to be informed. It’s never too early to begin preparing for a home purchase. The more organized you are, and the better you have your financial situation in order the better off you’ll be when it comes to the home search. Where should you start? Below, you’ll find some key things that you can do to maximize your chances of finding and securing your first home.


Check Your Credit


Your credit score is one of the most critical pieces of your financial picture. A FICO score ranges from 300 to 850. The higher the number, the better off you are. When you’re getting a mortgage, you want to have good credit. If your credit score is above 740, you’ll be eligible for the best interest rates. If your credit score needs help, a higher score will get you the best interest rates available. Once you get your credit score, (It’s free to get through a variety of services.) aim to improve your score. Pay your bills on time. Use less of your available credit (target to use 30 percent or less of your total available credit.) The bottom line is that a low-interest rate will save you a significant amount of money over the life of your loan. 


Refrain From Opening New Accounts


If you’re in the market to buy a home, it’s probably best for you to stay away from opening new accounts. Every store has their credit card and offers deals to open an account in store. While it could save you some money on your purchase, opening new accounts has a negative impact on your credit score in the short term. A car loan, for example, will also affect your credit score because it brings your debt-to-income ratio up, which can put a damper on your chances of getting a mortgage for a low-interest rate.


Save, Save, Save


If you want to buy a home soon, you’ll need to save up a significant amount of money. These savings will go towards a downpayment, closing costs, and furnishing your new place. Every chance you get, you should be putting money away. Include gifts, bonuses, and any other income that’s outside of your average take-home pay. 


It’s also a good idea to set up a second bank account dedicated to saving for the home. Set up an automatic transfer each month that will go into that account from your primary earnings. You can d this based on how your employer pays you.


Look For A Real Estate Agent


Your real estate agent will be a crucial part of your home search. They will help in everything from finding the property of your dreams to negotiating the deal to sitting by your side at closing. You should do a bit of research to help you find a real estate agent who can assist you in finding the right property for you. 


Ask family and friends for recommendations of agents. You can search for the real estate agent’s name online and see what kind of reviews the agent has and contact different agents. From there. You can make a decision.          


Now, good luck with your home search! 




72 Hillside, Needham, MA 02494

Rental

$4,500
Price

8
Rooms
4
Beds
3/1
Full/Half Baths
Wonderful clean and spacious townhouse with 4 bedrooms 3 1/2 baths. Open floor plan on 1st floor w granite, large kitchen island, stainless steel appliances and gas top stove. Central A/C,. Living room w gas fireplace and open dining area. Separate office and laundry rooms on 1st level. 2nd level large master bed, walk in closet and bathroom. 2 more bedrooms on 2nd level share a bathroom. Third floor get away with bedroom, full bath and den/play area. Large basement for storage and kids area. 2 off street parking. Patio and direct access to park w playing fields across the street. Close to Needham Train station.
Open House
No scheduled Open Houses

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111 Elgin, Bourne, MA 02559

Single-Family

$649,900
Price

10
Rooms
6
Beds
4
Baths
$50K Price Drop! Beautiful sunsets over the bay from your cathedral ceiling family room and balcony. A wonderful family home with brand new kitchen and open floor plan on 1st floor. Additional 4 bedrooms and 2 full baths on 1st level. Second level boasts cathedral ceilings with an abundance of light streaming in with your own 2nd kitchen, master bedroom w full bath and another bedroom with full bath across the hall. Separate entrance as well!! All this makes it ideal for a large family get away. 6 bedrooms, 4 full baths 2 kitchens. Large 2 car garage, entertaining deck all located in and part of the Handy Point Association, Private Beach, Dock and Tennis Courts.
Open House
No scheduled Open Houses

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A generous sized cape that has been completely renovated the last 8 years. New windows, updated heating system, new plumbing, new kitchen with granite and cabinets. Gas top stove. Living room with fireplace. Renovated bathroom with new tub and tiles. Updated electric. New front door. Wonderful 3 bedrooms 2 down 1 up or in home office. A wonderful space inside w all finished hardwood on both 1st and 2nd levels. Huge dining room that opens with a slider to your deck. Deck overlooks fenced in back yard with built in raised garden beds for vegetables and a fire pit. Huge attached garage with interior access. Large lower level that offers even more space and laundry. House overlooks Butterworth Park w baseball, soccer fields, bball & Tennis courts. Playground for kids.

More Info on this Property | New Listing Alerts


270 Grant, Framingham, MA 01702

Single-Family

$369,900
Price

6
Rooms
3
Beds
1
Baths
A generous sized cape that has been completely renovated the last 8 years. New windows, updated heating system, new plumbing, new kitchen with granite and cabinets. Gas top stove. Living room with fireplace. Renovated bathroom with new tub and tiles. Updated electric. New front door. Wonderful 3 bedrooms 2 down 1 up or in home office. A wonderful space inside w all finished hardwood on both 1st and 2nd levels. Huge dining room that opens with a slider to your deck. Deck overlooks fenced in back yard with built in raised garden beds for vegetables and a fire pit. Huge attached garage with interior access. Large lower level that offers even more space and laundry. House overlooks Butterworth Park w baseball, soccer fields, bball & Tennis courts. Playground for kids.
Open House
Sunday
June 17 at 12:00 PM to 2:00 PM
Amazing value. Updated: windows, roof, newer kitchen, new bath, new heating system, updated electrical and so much more. 3 bed, 1 bath, firplaced living room, dining room, large fenced in yard. No showings until open house Sunday noon to 2.
Cannot make the Open Houses?
Location: 270 Grant, Framingham, MA 01702    Get Directions

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