Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.
Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.
Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.
Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.
When we’re ready to start looking at homes in person, it’s best to start with a consultation with a lender. I am happy to recommend a trusted professional who can talk to you about your financing options.
My goal is to provide you with the most personalized service that is designed to help you buy your dream home
As soon as your offer is accepted, we’ll schedule your home inspection. I have a number of trusted home inspectors we can turn to.
I’ll be your partner in helping you understand the implications of the home inspection.
Submit all proper paperwork to mortgage company.
Home insurance protects your new home and belongings from accidental damages. Make sure you insure your home with a plan that fits.
The final walk through is the home buyer’s opportunity to inspect the home prior to closing. It is the time to see if the sellers is leaving the property in the condition that was expected, and to ensure that the seller has fulfilled their contractual obligations.
After your purchase, ask me to recommend fully-vetted service specialists in town or how you can care for your home. Further down the road, should you ever want to sell, I’ll have the scoop. You’ll always have my number, and I’ll always be ready to spring into action.
Debbie always reaches my expectations. Whether you’re a buyer or seller Debbie always has your interests as a priority.— Dan J.
Debbie was responsive, and persistent and succeeded in helping me find a new home that answered my specific needs. She understood what was suitable for me, and made it work - and all in record time!— Kenneth A.
Her knowledge, expertise, responsiveness, and negotiation skills are extremely above and beyond the call of duty. She demonstrates perfection in her professionalism. Debbie Adamidis has assisted me with several transactions. I have always been thoroughly satisfied with her professionalism.— Jackie L.
With Debbie's help, I've purchased a condo, sold a condo, and purchased a single-family home. Through each of these large life decisions and processes, Debbie has been tremendously kind, patient, professional, and knowledgeable. In fact, I might not have undertaken the second two without her support. You won't find a more attentive real estate agent than Debbie Adamidis.— Jennifer A
Debbie is awesome. My wife and I have been working with her for about ten years and have completed several transactions with her as our agent. This includes purchasing multiple properties, two condos, and a single family, as well as renting and managing one of the condos. She has always been responsive, knowledgeable, and thorough in her dealings with us and I would highly recommend her.— Seller
Debbie is the real deal. She helped me purchase my first home and was extremely helpful in navigating the space. She was such an excellent advocate for me, constantly asking all the right questions and making sure I knew all the ins and outs of this place I was about to buy. She is diligent, attentive, and very knowledgeable. I will definitely be sending any friends looking for a Realtor® Debbie's way.— Maryanna V.
I just saw your advert email. Just want to touch base with you and Say another thank you for helping me to sell my house in 2013. I will never forget your kindness and assistance. Hope you remember -Pastor Jacob Oni, 17/19 Lambert Avenue, Roxbury – a house that you sold for me. Thank you again and I wish you the best always. When I am buying or selling gain, I will reach out to you. God bless you richly, Amen.— Jacob O.
Debbie is amazing! She is the expert in her field, and most notably, with real estate sales in Jamaica Plain. The current pandemic and its effects on real estate sales concerned me, but Debbie proved herself with nine offers in two days, and the house was only on the market for five days! My phenomenal experience was only possible due to her vast knowledge, marketing forte, and, most of all, her communication - she advised and informed me every step of the way. Thank you, Debbie - I look forward to doing business with you again and again!— George V.
Debbie was a great Realtor® - I bought my first home and also sold it a few years later, both times with her representing me. She is very knowledgeable about the Greater Boston area real estate as well as all other aspects of real estate in general. She was very helpful in both transactions, especially since I am based out of town, assisting me with various inspections and helping with various other tasks related to buying and selling the condo. I also appreciate her prompt communication and her commitment to find us the best deal. I have already recommended Debbie to family and friends, and look forward to working with her on other real estate inve...— Buyer & Seller
Debbie was not just our real estate agent but our partner in the home-buying process. She came highly recommended by a good friend and lived up to that recommendation in every way. We had a very specific set of criteria for our new home and Debbie helped us to find the perfect property. She respected our budget ceiling and her expert advice allowed us to come out on top of multiple bidders. Debbie was there for the home inspector's entire visit and stayed for over an hour afterward as we went over his report. She checked in regularly as we applied and were approved for financing. She also negotiated an excellent credit from the seller and ensured th...— Kiki V.
My extensive knowledge of Boston's investment real estate market is unparalleled. My clients have consistently sought my advice and trusted my judgement on multi-million dollar deals.