Calvin Law | Braintree Real Estate, Boston Real Estate, Canton Real Estate, Quincy Real Estate


The cost of buying a house extends beyond a seller's initial asking price. In fact, there are many "hidden" costs that buyers need to consider as they decide whether to purchase a house, such as:

1. Closing Costs

There are various closing costs that a buyer may encounter before he or she finalizes a house purchase, including survey, appraisal and wire transfer fees. As such, it generally is a good idea to prepare for these costs prior to launching a house search. Because if you prepare for closing costs, you can ensure that you have the finances available to cover these expenses when you are ready to complete a house purchase.

Oftentimes, it helps to meet with banks and credit unions prior to starting a home search. These financial institutions can help you get pre-approved for a mortgage and teach you about home closing costs. Best of all, after you get a mortgage, you can start your home search with the financing you need to secure your ideal residence.

2. Property Taxes

Property taxes usually are assessed twice a year, and they vary based on state and county. However, if you learn about property taxes, you can map out your homebuying budget accordingly.

Real estate property tax information is part of the public record. Thus, you can access information about property taxes related to a particular home before you purchase it. And once you have this information at your disposal, you can use it to determine whether to move forward with a house purchase or continue your search for your dream home.

3. Utilities

Utility bills vary based on the size of a home, its location and other factors. If you devote time and resources to estimate your utility expenses, you may be better equipped than ever before to make an informed home purchase.

To assess your potential utility costs, you may want to consult with a seller's agent. This professional may be able to provide you with insights into the current homeowner's utility expenses to help you budget appropriately.

It never hurts to hire a real estate agent to help you navigate the homebuying journey, too. A real estate agent can offer expert insights into closing costs, property taxes and other homebuying fees, as well as help you quickly discover your dream residence.

Let's not forget about the comprehensive homebuying guidance that a real estate agent can provide, either. For instance, if you are unsure about whether to submit an offer to purchase a house, a real estate agent can offer recommendations and tips to help you make the best-possible decision. Or, if you have concerns or questions at any point during the homebuying journey, a real estate agent is ready to respond to them.

For those who want to buy a house, it helps to learn about all of the potential costs associated with a home purchase. If you start budgeting for a home purchase today, you could accelerate your quest to find and buy your ideal residence.


As a homebuyer, it is paramount to establish realistic expectations for the homebuying journey. That way, you can take a step-by-step approach to achieve various goals along this journey and acquire your ideal residence faster than ever before.

Setting realistic homebuying expectations can be simple. Now, let's take a look at three tips to help you set realistic homebuying expectations.

1. Assess Your Home Must-Haves and Wants

Dozens of homes are available in cities and towns nationwide. If you establish realistic homebuying expectations, you may be better equipped than others to determine exactly what you want to find in your dream house. As a result, you could reap the benefits of a quick, seamless homebuying experience.

Oftentimes, it helps to create a list of home must-haves and wants prior to searching for a house. This list can be updated as you proceed along the homebuying journey and will serve as a guide to help you discover your ideal residence.

2. Get Pre-Approved for a Mortgage

With a mortgage in hand, you can narrow your home search to residences that fall within your price range. Then, you can speed up the homebuying journey and find your ideal residence in no time at all.

To get pre-approved for a mortgage, you'll want to meet with banks and credit unions. These financial institutions generally offer a broad array of mortgage options. Examine all of your mortgage options closely, and you're sure to find a mortgage that matches your finances.

Also, don't hesitate to ask mortgage questions when you meet with potential lenders. Banks and credit unions employ friendly, knowledgeable mortgage specialists who are happy to help you in any way they can. Thus, you can gain expert insights from these mortgage specialists that could help you make an informed mortgage decision.

3. Collaborate with a Real Estate Agent

A real estate agent understands what it takes to purchase a home in any housing market. Therefore, he or she can help you prepare for the real estate market and establish realistic homebuying expectations from day one.

Typically, a real estate agent first will learn about your homebuying goals. He or she then will help you map out a successful homebuying journey, one that concludes with you discovering your dream house at a budget-friendly price.

A real estate agent offers plenty of support at each stage of the homebuying journey too. This housing market professional will set up home showings, keep you updated about new residences that become available and help you evaluate houses. And if you want to submit an offer on a home, a real estate agent will make it easy for you to put together a competitive homebuying proposal.

Achieving the optimal results during the homebuying journey sometimes can be difficult. But if you establish realistic homebuying expectations, you may be able to streamline the homebuying journey and ensure that you can purchase a great house that suits you perfectly.


If your initial offer to purchase a home is countered, there is no need to stress. In fact, there are lots of reasons why you should negotiate with a house seller, and these include:

1. You can speed up the homebuying journey.

The homebuying journey may prove to be long and complicated. If you find a house you want to buy, however, there is no need to wait to submit an offer to purchase this home. And if a seller wants to negotiate with you, it may be worthwhile to work with this individual so you can acquire your ideal house.

A homebuying negotiation enables you to try to reach a house purchase agreement with a seller. Plus, if you and a seller cannot come to terms, you can always reenter the housing market and continue to search for another home that matches your expectations.

2. You can find common ground with a home seller.

When it comes to buying a home, it is important to avoid submitting a "lowball" offer to purchase. If a buyer submits a lowball property buying proposal, he or she risks alienating a seller. Worst of all, a seller may be more likely than ever before to reject the buyer's proposal and move forward with other offers to purchase.

Thanks to a homebuying negotiation, you can come to terms on a home purchase agreement that works well for both you and a seller. As a result, both you and a seller will be satisfied with the final terms of a home purchase agreement.

3. You can pay the lowest price for your dream home.

If you feel a seller's initial asking price is too high, negotiating with this individual offers an excellent opportunity to get the best price for your ideal house. And if you open up negotiations with a seller, you could acquire a terrific house at a budget-friendly price.

Of course, it is crucial to consider the seller's perspective during a homebuying negotiation. If you maintain constant communication with a seller, both you and this individual can work together to finalize a home purchase contract.

Negotiating with a home seller may be stressful, regardless of whether you are buying a house for the first time or have purchased residences in the past. Fortunately, if you hire a real estate agent, you can receive expert support as you negotiate a home purchase.

A real estate agent is happy to negotiate with a house seller on your behalf. He or she will keep you up to date throughout a home purchase negotiation. Best of all, a real estate agent will do everything possible to help you purchase your dream house at the lowest price.

For those who want to achieve the optimal results during the homebuying journey, it generally is a good idea to negotiate with a seller. If you are willing to negotiate with a seller, you could acquire your dream home faster than ever before.


After a seller accepts your offer to purchase his or her house, it likely will be only a few weeks before you can wrap up your home purchase. And if you understand exactly what to expect during the homebuying process, you should have no trouble eliminating potential hurdles along the way.

Now, let's take a look at three tips to help you accelerate your journey from homebuyer to homeowner.

1. Conduct a Home Inspection

A home inspection is paramount for a buyer. Because if you encounter home problems during an inspection, you still have an opportunity to back out of a house purchase.

Hire an expert home inspector – you'll be glad you did. This inspector will assess a house both inside and out and offer comprehensive insights into a residence's condition.

Of course, you should always review a home inspection report closely too. This will enable you to analyze a house and determine whether to move forward with a home purchase or reconsider your options.

2. Perform an In-Depth Home Appraisal

Oftentimes, a lender will require an appraisal before you can close on a house. Lucky for you, there are many home appraisers available in cities and towns nationwide, and these property experts can perform an appraisal at your convenience.

Spend some time looking for the top appraisers in your area. By doing so, you can find a home appraiser who will go above and beyond the call of duty to provide an accurate appraisal.

3. Prepare for Closing Day

As closing day approaches, your stress levels may rise accordingly. However, a homebuyer who plans for closing day can stay calm, cool and collected as the homebuying journey reaches its conclusion.

Generally, it is a good idea to prepare any documentation that you'll need for a home closing. If you have all of the necessary documents ready in advance, you can avoid the risk of potential delays when you close on a house.

If you need additional assistance in the weeks or days leading up to a house closing, you may want to collaborate with a real estate agent as well. In fact, a real estate agent can offer extensive support as you navigate the homebuying journey.

Initially, a real estate agent will help you narrow your house search and ensure you can find your ideal residence. He or she then will help you prepare a competitive offer for this home. And once your offer is accepted by a seller, a real estate agent will provide plenty of guidance as you get ready to finalize a house purchase.

A real estate agent also will respond to any concerns or questions that you may have throughout the homebuying journey. That way, you can make informed decisions as you pursue your ideal residence.

Get the help you need to wrap up a home purchase – collaborate with a real estate agent, and you can streamline the homebuying journey.


If you want to find and purchase a great house at a budget-friendly price, it helps to enter the homebuying journey with a plan in hand. Lucky for you, we're here to help you prepare for all stages of the homebuying journey.

Now, let's take a look at three tips so you can set yourself up for success as you search for your dream residence.

1. Make a List of Home Must-Haves

The definition of a dream home varies from buyer to buyer. To define your dream home, you should craft a list of house must-haves and use this list to streamline your quest to acquire your ideal residence.

Think about which home features you need. For instance, if you require a house that boasts multiple bedrooms, you can tailor your house search accordingly. Or, if you need a home that is close to your office, you can search for a residence that provides convenient access to your office.

You may want to make a list of preferred cities and towns, too. This list will enable you to focus on available houses in cities and towns that match your expectations.

2. Create a Homebuying Budget

Learn about different types of mortgages – you'll be glad you did. Because if you make an informed mortgage selection, you can begin your home search with a budget at your disposal.

Generally, it is a good idea to meet with banks and credit unions before you launch a house search. Banks and credit unions are happy to teach you about myriad types of home financing. Then, you can select a mortgage that can help you make your homeownership dream come true.

If you are unsure about how various mortgage options work, there is no need to stress. Banks and credit unions employ courteous, knowledgeable mortgage specialists, and these professionals can teach you everything you need to know about home financing.

3. Collaborate with a Real Estate Agent

A real estate agent is a homebuying expert who is happy to share his or her housing market insights with you. By doing so, a real estate agent will help you achieve your desired homebuying results as quickly as possible.

Typically, a real estate agent takes an in-depth approach to the homebuying journey. He or she first will learn about you and find out what you want to find in your dream residence. Next, a real estate agent will help you narrow your house search to residences that satisfy your needs and keep you up to date about available homes that may suit you perfectly. If you find a home you want to buy, a real estate agent then will help you craft a competitive offer to purchase this residence. Finally, if your offer to purchase a house is accepted, a real estate agent will help you complete the homebuying journey.

Want to acquire your ideal residence? Take advantage of the aforementioned tips, and you can put yourself in position to succeed as you pursue your dream home.