Susan McPherson - CENTURY 21 Commonwealth | Natick, MA Realty, Sherborn, MA Realty, Dover, MA Realty


When you make the decision to buy your first home, you should be certain that you’re ready to make the leap into homeownership. There’s many different things that you should do as a buyer to get ready before you even set out on the search of a perfect home.


Choose An Agent


You may think that one real estate agent is the same as any real estate agent that you’ll find. This is far from the truth. Some agents have certain specialties. The knowledge that an agent will bring to your house hunt is often invaluable. You are making one of the biggest purchases that you’ll ever make in your lifetime. While many buyers think that they can simply do an online search themselves to find a home, your realtor will have many more resources to assist you in finding exactly what you’re looking for.


Figure Out The Financial Portion Of Buying A Home


While knowing how many bedrooms you need and where you hope to live is important, understanding your finances is even more important. You’ll need to talk to a lender to get the process started. After looking at your own personal budget, you should get pre-qualified. Getting pre-qualified allows you to see a general number of how much house you can afford. That can help you start the process, however, there’s still a few more steps. 


From here, you can do what needs to be done to get your entire financial picture ready to buy a home. This includes saving for a downpayment, improving your credit score, and continuing to keep up bill payments and consistent work history. 


Next, you’ll want to get pre-approved. This allows your lender to dig into your financial picture. Everything from your credit score to your income and employment history will be considered. Your lender will then give you a more definitive number of how much you’ll actually be able to get for a loan when you buy a home. To get pre-approved, be prepared with 1099 forms, pay stubs, tax returns, and bank statements. You’ll then have the concrete amount that you’re approved for along with the interest rate that you qualify for. 


Once You Have Applied For A Home Loan


Once you find the realtor to assist you and secure the home of your dreams, you’re not free to head out and buy all the furniture that you need to fill up your house. The home loan must go through the underwriting process and until that is complete, your finances are essentially on lockdown. If you start opening new credit cards, decide to buy a car, or fall behind on payments, you could end up in a lot of trouble. You want to keep your credit score stable throughout the process of buying a home for smooth sailing.



24 Magnolia Road, Natick, MA 01760

Single-Family

$625,000
Price

7
Rooms
3
Beds
2
Baths
WATERFRONT ON LAKE COCHITUATE! This fabulous custom contemporary cape has an open concept living area providing plenty of light, vaulted ceilings and dramatic 2 story stone fireplace. The large open kitchen offers SS appliances, center island, professional gas range and sliders leading to the wrap around deck. 2 generous sized bedrooms and full bath with laundry are on 1st floor. The 2nd floor features large master suite with vaulted ceiling and sky lights, master bath with double sink vanity and jacuzzi tub and a loft area which overlooks the living room and spectacular lake views. The basement features a playroom/exercise room, plenty of storage and enormous 3 car garage (2 tandem spaces). Propane heat, central AC, radon mitigation system, central VAC…the list goes on. All of this with lake frontage and close to major commuting routes, shopping and restaurants. A unique opportunity. Showings begin at OH Sun 9/29 2-4.
Open House
Sunday
October 20 at 2:00 PM to 3:30 PM
Cannot make the Open Houses?
Location: 24 Magnolia Road, Natick, MA 01760    Get Directions

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46 Whitney Street, Sherborn, MA 01770

Single-Family

$1,195,000
Price

11
Rooms
5
Beds
4/1
Full/Half Baths
This modern colonial has it all! Set on 4+ acres down a private drive this stunning home offers over 5,000 sq ft of living area, boasts quality workmanship, high ceilings, a terrific floorplan and has all the features buyers are seeking. The recently renovated kitchen is a chef's dream and includes a 6 burner Thermador cooktop/double ovens w/ commercial hood, ample storage, quartz countertop, & large island. Open family room has a vaulted ceiling, gas FP & an abundance of natural light flowing from the oversized windows. The 2nd floor has 5 bedrooms & 3 full baths, including a beautifully renovated master bath and a bedroom with an en-suite. The finished walk-out basement has 9ft ceilings, expansive play space, plenty of natural light, kitchenette & full bath. Amazing outdoor space w/ blue-stone patio, oversized deck, manicured lawn & fruit trees. The property abuts conservation land, is just 3.4miles to Commuter Rail, close to shopping & commuting routes. A spectacular country estate!
Open House
Sunday
October 20 at 11:30 AM to 1:00 PM
Cannot make the Open Houses?
Location: 46 Whitney Street, Sherborn, MA 01770    Get Directions

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One of the final hurdles to buying a house is making sure your future home is structurally sound. To the untrained eye, the property you've made an offer on may appear to be "close enough to perfect."

However, your excitement over that gourmet kitchen, finished basement, and manicured lawn may be causing you to view your future home with rose-colored glasses!

Fortunately, you can (and should) hire an experienced, licensed professional to thoroughly inspect the property and point out flaws and potential problems that might need to be addressed by the seller -- either in the form of price concessions or repairs. If the seller is unwilling to be flexible in those areas, then you may have the option of withdrawing your offer. Hopefully, it won't come down to that -- especially if you love the house -- but that situation could arise and derail your plans for buying a particular property.

Many real estate purchases do involve a few bumps and detours along the way, but they frequently can be resolved by your real estate agent and/or attorney.

The starting point for identifying structural issues with a house is to have the property inspected by a reputable home inspector. Here are a few of the key areas they'll evaluate and include in their report:

  • Foundation and basement: Cracks, leaks, and signs of instability can often be identified through a visual inspection of the underlying structure of a home. Some issues are relatively minor, while others can be quite costly.
  • Roof and attic: Although most new roofs typically last for 20 to 30 years, time has a way of slipping by when you least expect it! Depending on weather conditions, climate, and falling tree branches, roofs of any age can be subjected to a lot of wear and tear. Since roofs play such a vital role in protecting your home and family from the many forces of nature, it's crucial that your roof be intact, in sound condition, and fully functional. An inspection of the home's attic and/or crawlspace will also reveal actual or potential problems with leaks, mold, roof damage, or infestations.
  • HVAC, electrical, and plumbing: There are a lot of systems that provide homeowners with comfort, convenience, and the ability to meet day-to-day needs. Whether you're talking about major kitchen appliances, hot water heaters, or climate control systems, there are dozens of things an inspector needs to check and keep you apprised of.
  • Exterior checkpoints: Property inspectors will also assess the condition of the outside of the house, as well as drainage efficiency and any visible structural damage or signs of deterioration.
Although all property inspectors should adhere to industry standards and best practices, some are more thorough and efficient than others. It's essential for you to understand the scope of their services, including whether they offer lead paint testing, termite inspection, radon detection, and asbestos testing.

When it comes to home inspections, your real estate agent can not only provide you with professional referrals, but they can also accompany you on the actual property inspection. That will help make sure important questions, issues, and recommendations don't slip through the cracks!



36 Cedar Hill Road, Dover, MA 02030

Single-Family

$939,900
Price

9
Rooms
5
Beds
2/1
Full/Half Baths
Lovingly maintained colonial in desirable Dover neighborhood. This sunny and bright home offers hardwood flooring throughout, 5 spacious bedrooms, an open concept kitchen/family room w/ vaulted ceiling and fireplace, formal living and dining rooms as well as a large finished basement. The basement playroom is a fabulous entertaining space...complete with a live-edge bar and brick fireplace. Wonderful private outdoor space includes large deck, 12ft deep in-ground pool and spacious fenced yard. For the car enthusiast, there's a detached 2 bay tandem car shed in addition to the 2 car attached garage. Recent updates include: freshly painted exterior, seamless gutters, windows, roof, hot water heater, Bryant heat pump for heat & AC, 3 mini split systems,deck and pool liner. New 5 bedroom septic to be installed prior to closing. With some cosmetic updating this home will be pristine! Dover offers miles of conservation land, the #1 public High School in MA and a wonderful place to call home!
Open House
Sunday
October 13 at 12:30 PM to 2:00 PM
Cannot make the Open Houses?
Location: 36 Cedar Hill Road, Dover, MA 02030    Get Directions

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