Well begun is half done.
Home / Buyers
Buy with a clear picture of what you’re getting.
The listing shows the price. I help you see the rest: the full monthly cost, the condition of the big systems, and the Massachusetts paperwork that can change a deal. Whether it’s your first home or a 2–4 family you plan to live in, you’ll know what you’re signing.
Who I help
Every kind of buyer, with the same care.
First-time buyers
A patient walk through every step, from pre-approval to keys, with no question too basic.
Moving up or downsizing
Coordinating a purchase with a sale so the timing and the money line up.
2–4 family owner-occupants
Live in one unit and rent the others. Owner-occupied 2–4 family homes can qualify for low-down-payment loans, and I’ll run the rental income with you.
Second homes & the Cape
Septic, flood zones and seasonal rental rules matter more here. I know what to check.
The process
How buying works in Massachusetts.
Massachusetts does a few things differently from other states, including a two-step contract and attorney closings. Here’s the usual order.
Pre-approval and a buyer agreement
A lender pre-approval tells you your real budget. You’ll also sign a written buyer agreement before touring, which sets out how I’m paid. I’ll walk you through the state’s agency disclosure form at our first meeting.
Search and tours
We narrow by what matters to you, and I point out condition issues and red flags as we go.
Offer to Purchase
The first, short contract: price, deposit, closing date and contingencies such as inspection and financing.
Inspections
A home inspection, plus lead paint, radon, water or pest testing where it makes sense. For homes on septic, the seller provides a Title 5 report.
Purchase and Sale Agreement
The full contract, usually drafted by attorneys. Your deposit typically increases at this point.
Mortgage commitment and appraisal
Your lender appraises the home and issues a commitment by the date in your contract.
Final walk-through and closing
You check the property one last time, sign with the closing attorney, and the deed is recorded at the Registry of Deeds.
Beyond the listing
What I look at before you make an offer.
Years of renovating and managing property taught me where the expensive surprises hide.
The big-ticket systems
Age and condition of the roof, heating, electrical, windows and foundation. These are the costs that land in your first five years.
Septic and well
Not on town sewer? The Title 5 report and the system’s capacity matter, especially if you ever want to add bedrooms.
Lead paint
For homes built before 1978, you’re entitled to a lead disclosure and a chance to inspect. If children under 6 will live there, Massachusetts has its own deleading rules.
Condo documents
The budget, reserves, master insurance and the 6(d) certificate showing the unit’s fees are paid up.
Flood zone and insurance
Flood zone status can add real cost to your monthly payment. Check it before you fall in love with the house.
Future potential
Massachusetts now allows an accessory dwelling unit by right on most single-family lots, within limits. Lot, zoning and septic decide whether it’s realistic.
Start a conversation
Tell me what you’re looking for.
No pressure and no obligation. Send a note, and we’ll find a time to talk about where you are and what makes sense.
- I read what you send and reply within one business day.
- We set up a short call, by phone or video, at a time that works for you.
- You leave with a clear next step, whether or not we work together.
Call or text 508-809-0178
buyers@zackwhiting.com