A home is most likely the biggest purchase you’ll ever make in life. Planning to buy a house for the first time in Massachusetts and don’t know where to start? Here’s the step by step to buying your dream home:

Arrange Your Financing

The first step is to be aware of how to finance the home purchase. If you want to buy the house with a mortgage, you have to obtain a pre-approval letter from a mortgage lender. The letter will contain details of the amount your lender can loan you for the house and the fees involved. The lender will issue the pre-approval letter if your credit rating is satisfactory.

Engage a Buyer’s Agent

To negotiate for better prices with the seller, be sure to seek the services of a buyer’s agent offered free of charge.

Make an Offer in Writing

When buying a home in Massachusetts, express your interest in writing and not verbally. Your buyer’s agent will provide guidance on the do’s and dont’s of making an offer and submit the package to the listing agent.

Prepare to Negotiate the Offer

The home seller has a right to accept, reject or make a counteroffer. A counteroffer can begin a process that can go on for hours or even days, until the parties reach agreement.

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Complete Your Mortgage Application

By now, you’ve already reached an agreement with the seller and it’s time to provide all the crucial information on a formal mortgage application. Charges for the processing of the application apply.

Conduct a Home Inspection

A certified home inspector will assist you in checking for any defects in the home. Set aside time to attend the inspection process. You could also ask for opinions from home buyer’s agents, family members, and friends on a good home inspector. That way, you can decide whether to proceed with the purchase.

Sign a Purchase and Sales Agreement (P&S)

The P&S should outline the terms of the transaction in detail. Seek experienced counsel from a real estate attorney for this crucial step. Attorney Nick Nashawaty has negotiated thousands of Purchase and Sales Agreements.


In Massachusetts, a real estate closing must be conducted by a licensed attorney unlike many other states where a closing is done by a so-called “escrow” company. The closing attorney will be responsible for certifying and insuring title to the Property, verifying the accuracy of closing documents, recording required documents in the registry of deeds and disbursing funds as reflected in the Closing Disclosure.

If you’re looking for a reliable Massachusetts real estate law firm, contact the team at Nashawaty & Rand today. From real estate to bankruptcy to family law, we can help.

Schedule a FREE Consultation – (781) 848-8545

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