Len and Leslie Marma | Marshfield Real Estate, Scituate Real Estate, Pembroke Real Estate


The homebuying process sometimes can be tough to navigate. Fortunately, we're here to help you achieve the optimal results throughout the homebuying cycle.

Now, let's take a look at three questions that every homebuyer needs to consider as he or she pursues a home:

1. What is my "dream home" definition?

If you know what you want to find in your "dream home," you may be better equipped than ever before to streamline your home search. Thus, it generally helps to establish a list of home must-haves and wants to guide you along the homebuying journey.

As you check out a broad range of houses, don't forget to update your list of home must-haves and wants too. By doing so, you may be able to further accelerate your home search.

2. What can I afford to pay for a home?

The prices of homes vary based on location, size and other factors. As such, you may want to get pre-approved for a mortgage to ensure you know exactly how much you can spend to acquire your ideal residence.

Getting pre-approved for a mortgage can be fast and simple. If you meet with banks and credit unions, you can learn about all of the mortgage options at your disposal.

Of course, you should ask plenty of questions any time you meet with mortgage specialists. This will enable you to evaluate myriad mortgage options and choose a mortgage that complements your finances perfectly.

3. How can I quickly and effortlessly achieve my homebuying goals?

The homebuying journey differs from buyer to buyer. However, homebuyers who work with real estate agents typically can boost the likelihood of achieving the best-possible results during the homebuying journey.

A real estate agent knows the ins and outs of the housing market. He or she can teach you about the real estate sector and help you narrow your home search. Also, a real estate agent is unafraid to be honest with you and will offer unbiased recommendations to ensure that you can make an informed homebuying decision.

Let's not forget about the comprehensive assistance that a real estate agent can provide throughout the homebuying cycle, either. A real estate agent will keep you up to date about available houses that match your homebuying criteria. In addition, he or she will set up home showings that enable you to check out residences in-person. And once you discover your dream residence, a real estate agent will help you put together a competitive offer to acquire this house.

Furthermore, a real estate agent is ready to respond to any of your homebuying concerns and questions. As a result, a real estate agent will allow you to quickly and effortlessly navigate the homebuying journey.

When it comes to buying a house, there is no need to worry. If you collaborate with a real estate agent, you can get the support you need to make your homeownership dream come true.


Contingencies on a contract to buy a home are there to protect both the buyer and the seller. The contingencies give the buyer the right to back out of the contract if any of these contingencies aren’t met. There are many reasons that buyers back out of deals including financial issues and problems with the home. Below, you’ll find a break down of some of the most common contingencies and what they mean for you as a buyer or a seller.   


Financing Contingency


Most home contracts come with what’s called a financing contingency. This gives you the ability to walk away from a deal if the financing falls through when trying to buy a home. Usually this is due to a credit reason or some other financial reason. You can’t rely on financial cracks to help you to back out of a deal on a home. Lenders will only deny a loan for real financial reasons. There’s no way to ask a lender to lie for you so you can get out of buying a home! This is why you need to make your decision about a home purchase wisely.   



Inspection Contingency


This gives the buyer the right to have an inspection on the home within a certain time frame which is usually 5-7 days. If something is really off with the inspection that you as a buyer don’t feel comfortable with, you have the right to back out of a deal without repercussions. While seller disclosures are important, the seller can’t disclose what they don’t know about. That’s why the home inspection is so important. The seller’s disclosure cannot protect you from hidden damages that may cost half of a home’s worth to repair.   


Appraisal Contingency


If homes are selling fast and you want some secure way to back out of a deal you should consider an appraisal contingency. If the home you want to purchase doesn’t appraise at a price high enough to meet your mortgage requirements, you have a legal way to back out of the deal. For example, if you put down 20 percent of the purchase price of a home and the home doesn't appraise for the value of that purchase price, you’d need to come up with the remainder of the money in cash. An appraisal contingency protects you from having to face this. You’ll still need to have a home inspection done on the home to search for any problems, but an appraisal contingency protects you from any problems with financing and your own disposable amount of cash that could arise due to a home appraising low. 


While contingencies aren’t necessary as a homebuyer, they’re highly recommended. Without contingencies, you could be left with a number of expenses such as damages that are extremely costly to fix.


Whether you’re shopping for your first house or your next house, finding a listing you love is exciting. You browse the pictures, check out the property facts, share the link to your significant other, and maybe even schedule a showing.

With the exciting prospect of owning a new home that has all or many of the features you’re looking for, it can be easy to forget about certain details that matter. Most of us look for similar things in a house--close proximity to work, enough bedrooms, an upgraded kitchen, and so on.

In this article, we’re going to give you a list of things to investigate about the house you’re looking at to get a better idea of whether or not it’s the perfect match for you and your family.

1. Re-read the listing

If you’re like me and get lost in the photos of a home and forget to make note of the details, be sure to go back and check out the listing a second time. It will likely give you important details of the house that you overlooked on your initial visit.

Look for things like the year the house was built, information of the heating, ventilation, and air conditioning system, and the total acreage of the lot and square footage of the home. These things are hard to accurately represent in the listing’s pictures, but will likely be important to your decision of whether or not you should view the home.

2. Do your online research

The number of things you can learn about a home and neighborhood on the internet is astounding. We suggest that before you go to visit a home, you spend 10-20 minutes on Google researching the following topics:

  • School district ratings. If you have or plan to have school-aged children, you’ll want to know what your options are for your child’s education. It’s often a good idea to check out the local schools’ websites to see what

  • Commute times. With Google Maps and similar sites, you can plan out what your new commute will be and see how long it will take. You might find different routes that will save you time or avoid traffic (we could all use those extra few minutes in bed every morning). Google Maps isn’t always accurate when it comes to morning traffic estimates, but it’s a good place to start.

  • Amenities. Having moved into a neighborhood that has no grocery stores within a 20-minute drive, trust me--you’ll want to know what’s in the area. Use Google Maps to find stores, gas, schools, parks and trails, hospitals, and other things you’ll want close by.

  • Street view. While we’re on Google, use street view to take a remote look around the neighborhood. You’ll be able to see how the infrastructure looks--if the neighborhood is taken care of and if there are sidewalks that offer a safe place to walk or jog.

  • Crime ratings. Don’t get too caught up in this section. Crimes happen everywhere, but this is a good way to see if the area you’re moving to is a safe place

3. Don’t be afraid to ask questions

If, after all of your online research, you decide you want to go view a home, don’t be shy when you arrive. It’s understandable that you wouldn’t want to be a burden in someone else’s home. But remember--if you’re considering living there someday you’ll want to know as much as possible before making an offer.

Test the plumbing, ask about average utilities, and don’t be afraid to introduce yourself to neighbors and ask them questions about the community. The more you know, the better. Happy sleuthing!


Ready to launch a search for your dream home? Ultimately, you'll want to do everything possible to streamline your home search to boost your chances of getting the best possible results.

There are many best practices for conducting a successful home search, and these include:

1. Define Your Homebuying Criteria

The definition of the "perfect" home varies from property buyer to property buyer. This means that your definition of the perfect home is unlikely to match that of a friend or family member.

Think about what separates an ordinary home from a can't-miss residence. Then, you'll be able to narrow your home search and map out a successful homebuying journey.

As you consider the perfect home, make a list of homebuying "must-haves." For example, if you want a garage where you and your wife can park your cars, a two-car garage is a homebuying must-have. Or, if you want a home that's close to high-quality schools that your kids can attend, buying a house in a great school district is a must.

2. Get Home Financing

Although your ultimate goal is to acquire a top-notch residence, you'll likely need financing to help you transform your homebuying dream into a reality. Fortunately, many banks and credit unions are available to teach you about a wide range of mortgage options.

Meet with several banks and credit unions – you'll be glad you did. These lenders can educate you about the different types of home loans and help you get pre-approved for a mortgage.

After you receive pre-approval for a mortgage, you're good to kick off your home search. In fact, with a mortgage in hand, you can tailor your search to homes that fall within a specific price range.

3. Work with a Real Estate Agent

Regardless of your homebuying goals, it pays to work with a real estate agent. That way, you can receive expert assistance as you search for houses in various cities and towns.

A real estate agent is happy to teach you the ins and outs of purchasing a house. By doing so, this housing market professional can help you become a real estate expert in no time at all.

Furthermore, a real estate agent will set up home showings, keep you up to date about new houses that become available and help you submit home offers. This housing market professional is committed to your homebuying success and will do whatever it takes to assist you along the homebuying journey.

Perhaps best of all, a real estate agent is available to respond to any homebuying questions that you may have. No homebuying question is ever too big or too small for a real estate agent, and as a result, this housing market professional will make it simple for you to make an informed homebuying decision.

Launch a successful home search today – use the aforementioned best practices, and you can increase the likelihood of discovering your dream home.


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.




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