Buyer Agents of Boston, LLC

Homes and Real Estate in the Boston Area
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I would like more information about buying a home in:

Desired City: Required
State Required
Preferred areas
or neighborhoods
E-Mail Address Required
Confirm Email Required
First Name Required
Last Name Required
Present Address
Apt. or Suite Number
City
State
Zip Code
Phone
Home Phone
Cell phone

How do you prefer we contact you?
Office Phone
Home Phone
Cell Phone
E-Mail

When is the best time for an Agent to call you?
Morning
Afternoon
Evening

Are there children in the family?
None 1 2 3 4 or more children

What school options are important?

K-6
7-9
10-12
College, University, or Other School

When are you planning to buy?
As soon as possible
1 to 3 months
3 to 6 months
6 to 12 months
When present home is sold
Undecided

Is this a work related move?

Company Relocation
New Job
Considering moving and need more information.

Have you Qualified or Pre-Qualified for a mortgage?
Pre-Qualified
Qualified (Loan is fully approved)
Have not applied for a mortgage yet

What price range do you prefer?
(In areas I serve, homes in good condition start at $150,000 to $200,000. Properties priced lower than $150,000 to $200,000 are extremely hard to find and are in very poor condition, requiring extensive renovation.)
$150,000 to $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $350,000
$350,000 to $400,000
$400,000 to $450,000
$450,000 to $500,000
$500,000 to $600,000
Other (Please Specify)

How many Bedrooms? (Check all that apply)
1 Bedroom
2 Bedrooms
3 Bedrooms
4 or more Bedrooms

How many Bathrooms? (Check all that apply)
1 Bathroom
2 Bathrooms
3 or more Bathrooms

Any other preferences? (Check all that apply)
Single Family Home
Duplex
Condo/Townhouse
Weekend Home
Wheelchair Accessible
Other: (Please Specify)

Looking for rental property? Unfortunately, I don't work with rental properties. However, for only a little bit more, you might be able to get a wonderful Condominium or a small home. Your first and last months rent and the security/insurance deposit could cover your down payment. The seller could pay a portion of your closing costs and you would be building equity instead of paying for someone else's property. If you are interested in that option, feel free to contact me.

Comments:

Homes and real estate in:

Middlesex County:
Acton, Arllington, Ashby, Ashland, Ayer, Bedford, Belmont, Billerica, Boxborough, Burlington, Cambridge, Carlisle, Chelmsford, Concord, Dracut, Dunstable, Everett, Framingham, Groton, Holliston, Hopkinton, Hudson, Lexington, Lincoln, Littleton, Lowell, Malden, Marlborough, Maynard, Medford, Melrose, Natick, Newton, North Reading, Pepperell, Reading, Sherborn, Shirley, Somerville, Stoneham, Stow, Sudbury, Tewksbury, Townsend Tyngsborough, Wakefield, Waltham, Watertown, Wayland, Westford, Weston, Wilmington, Winnchester, Woburn

Norfolk County:
Bellingham, Braintree, Brooklilne, Canton, Cohasset, Dedham, Dover, Foxboro, Franklin, Holbrook, Medfield, Medway, Millis, Milton, Needham, Norfolk, Norwood, Plainville, Quincy, Randolph, Sharon, Stoughton, Walpole, Wellesley, Westwood, Weymouth, Wrentham

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Should You Use The Agent Who Sold Your Home As Your Buyers Agent?
Take Some Confusion Out Of The House Hunting Process
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Gary Dwyer, GRI, ABR, SRES, CNHS, MBA, Broker
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Tips For Home Buyers

Reasons To Get A Home Loan Before You Start Shopping For A Home

You do NOT have to have a home under contract to obtain a home loan. The lender is looking at your credit history and income when considering a loan application.

Some potential home buyers think they will have no problem qualifying for a loan only to be disappointed when they find out they don't. Others may afraid they won't qualify so they don't apply. We often see people who don't think they qualify for a home loan but don't know that many lenders offer loan programs for all types of borrowers.

Avoid disappointment resulting from looking at homes that are out of your price range. Looking at homes in a price range you can afford will keep you from being disappointed if you fall in love with a home only to find out that it is beyond your financial abilities.

Insure that you will meet your moving dead line. Knowing you must move by a certain date and still working on proving you are qualified for a loan can be a stressful experience. The two most common problems are resolving credit issues and proving you have the cash for your down payment and closing costs.

Applying for a loan as soon as possible will insure that any incorrect information in your credit history can be corrected before the closing date. It often takes 60 days or more to have information corrected in your credit files.

Having a Loan Commitment in your hand is like being a cash buyer. Every seller wants to work with cash buyers. It gives you leverage when presenting an offer and negotiating a counter offer. It will insure that the closing process goes smoothly when you do find your new home. Do not mistake a Loan Commitment with a pre-approval or pre-qualification, a pre-approval does not carry much weight with a seller since a pre-approval is only a cursory look at your credit history.

Applying for a home loan online can be a real convenience. You can apply for a mortgage online 24 hours a day 7 days a week. You can apply from your home, office, local library or any location that offers Internet access. No need to take time off work or away from play. Avoids feeling pressured by sitting in a lenders office and allows you ample time to collect all the necessary information.

Be sure you check the rates and fees for several lenders before you decide which one to use. Compare the lender fees, not just the interest rate. Ask each lender to provide you with a "Good Faith Estimate" of closing costs and carefully review it. If you see a fee you don't understand ask the lender to provide a clear explanation of the item. Then ask your real estate Agent to review the Good Faith Estimate. Being more familiar with the forms the Agent can spot any hidden "junk" fees.

Gary Dwyer   MA DRE#  9072216

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