Kathy Bertani "Your Real Estate Specialist"
Kathy Bertani
BHHS Verani Realty


Cell Phone: 781-727-1771
Fax: 603-845-1420
Email: kathy.bertani@verani.com


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basic
buyer’s
guide


choosing your agent

Too many buyers choose their agent randomly. Maybe they are the listing agent of the home you want to buy. Maybe you called the local real estate office and spoke to the “floor agent”. Buying a home is usually the single largest purchase you will ever make. Choose your agent with care.

Find a realtor who is willing to sit down and talk with you about the process at the very beginning of your search. Be persistent – you should feel that your agent loves working with buyers.

Evaluate the information the agent shares with you. Do they ask questions? Do they explain the process? How will they notify you about appropriate properties? Will they work with you as a “buyer’s agent”? Will they show you for sale by owner listings, foreclosures and bank owned property? Do they have their ABR designation?

Find out how you can contact the agent. After your meeting, call and email them. How long did it take to get a response?
Once you choose and agent, communicate with them. If you want the best service from your agent, make sure they know you’ll be loyal to them as well.

the home buying timeline

These dates are meant to give you a general idea of how long it takes to close a property once you’ve made an officer. Every transaction is unique and seller’s needs can affect the time table. Be sure your agent fully explains the offer agreement, the inspection and the Purchase and Sale Agreement.

24-48 hours   Offer accepted ($1000 good-faith check is held in escrow by listing broker)
1-2 days        Submit formal loan application
1-7 days        Obtain a professional home inspection
1-14 days      Your attorney and the seller’s attorney prepare the Purchase and Sale agreement
10-14 days    Purchase and Sale signed (additional monies are needed and will be held in escrow)
3-4 weeks     Lender give final approval of loan
3-4 weeks     Contact utilities at new address
4-6 weeks     Closing!
12 weeks       House Warming Party!!

congratulations!

Congratulations on your decision to own your own home! The buying process can be both exhilarating and scary. I hope this information give you a little insight regarding the process. Please, do not hesitate to call me with any questions.

pre-qualification and pre-approval

Pre-qualification: Through a phone call or short meeting, a lender can estimate how much you might be able to afford for your home. In most cases, you won’t have to submit much paperwork and the lender won’t verify your information. It’s a good starting place.

Pre-approval: This is a better place to start if you are serious about finding a home. You’ll need to submit more information and the lender should run a credit check before issuing a pre-approval letter. A pre-approval letter is necessary to have your offer accepted.

the offer process
Once you decide to place an offer, your “buyer’s agent” should spend some time with you researching the recent sales of similar properties in the neighborhood. This information, along with your agent’s knowledge of current market trends, should guide your offer price. When writing the offer you will also be asked how much of a down payment you are able to make, when you would like to close, and to provide your pre-approval letter.




   


Servicing: Abington, Abington-North Abington, Abington-West Abington, Acton, Acushnet, Adams, Agawam, Agawam-Feeding Hills, Alford, Amesbury, Amherst, Andover, Andover-Ballardvale, Andover-In Town, Andover-Shawsheen, Andover-South Andover, Andover-West Andover, Aquinnah, Aquinnah-Aquinnah, Arlington, Ashburnham, Ashburnham-Ashburnham, Ashby, Ashfield, Ashfield-South Ashfield, Ashland, Athol, Attleboro, Attleboro-South Attleboro, Auburn, Avon, Ayer, Ayer-Ayer, Barnstable, Barnstable-Barnstable (village), Barnstable-Centerville, Barnstable-Cotuit, Barnstable-Craigville, Barnstable-Cummaquid, Barnstable-Hyannis, Barnstable-Hyannisport, Barnstable-Marstons Mills, Barnstable-Osterville, Barnstable-Santuit, Barnstable-West Barnstable, Barnstable-West Hyannisport, Barre, Becket, Bedford, Belchertown, Bellingham, Belmont, Berkley, Berlin, Bernardston, Beverly, Beverly-Beverly Cove, Beverly-Beverly Farms, Beverly-Briscoe, Beverly-Centerville (Bvly), Beverly-Montserrat, Beverly-North Beverly, Beverly-Prides Crossing, Beverly-Ryal Side, Billerica, Blackstone, Blandford, Bolton, Boston, Boston-Allston, Boston-Back Bay, Boston-Bay Village, Boston-Beacon Hill, Boston-Brighton, Boston-Charlestown, Boston-Chinatown, Boston-Dorchester, Boston-East Boston, Boston-Financial District, Boston-Hyde Park, Boston-Jamaica Plain, Boston-Leather District, Boston-Mattapan, Boston-Midtown, Boston-Mission Hill, Boston-North End, Boston-Roslindale, Boston-Roxbury, Boston-Roxbury's Fort Hill, Boston-Seaport District, Boston-South Boston, Boston-South End, Boston-The Fenway, Boston-Theatre District, Boston-Waterfront, Boston-West End, Boston-West Roxbury, Bourne, Bourne-Bourne (village), Bourne-Bournedale, Bourne-Buzzards Bay, Bourne-Cataumet, Bourne-Monument Beach, Bourne-Pocasset, Bourne-Sagamore, Bourne-Sagamore Beach, Boxborough, Boxford, Boxford-East Boxford, Boxford-West Boxford, Boylston, Braintree, Braintree-Braintree Highlands, Braintree-East Braintree, Braintree-South Braintree, Brewster, Brewster-Brewster (village), Brewster-East Brewster, Brewster-West Brewster, Bridgewater, Brimfield, Brockton, Brockton-Brockton Heights, Brockton-Campello, Brockton-Clifton Heights, Brockton-Marshall Corner, Brockton-Montello, Brockton-Winters Corner, Brookfield, Brookline, Buckland, Buckland-Buckland Center, Burlington, Cambridge, Cambridge-Agassiz, Cambridge-Cambridge Highlands, Cambridge-Cambridgeport, Cambridge-Central Square, Cambridge-East Cambridge, Cambridge-Harvard Square, Cambridge-Inman Square, Cambridge-Kendall Square, Cambridge-Mid Cambridge, Cambridge-North Cambridge, Cambridge-Porter Square, Cambridge-Riverside, Cambridge-West Cambridge, Canton, Carlisle, Carver, Carver-North Carver, Charlemont, Charlemont-East Charlemont, Charlton, Chatham, Chatham-Chatham (village), Chatham-Chathamport, Chatham-North Chatham, Chatham-South Chatham, Chatham-West Chatham, Chelmsford, Chelsea, Cheshire, Chester, Chesterfield, Chesterfield-West Chesterfield, Chicopee, Chilmark, Chilmark-Chilmark, Chilmark-Menemsha, Chilmark-Squibnocket, Clarksburg, Clinton, Cohasset, Colrain, Colrain-Colrain Center, Colrain-Foundry Village, Colrain-Griswoldville, Colrain-Shattuckville, Concord, Conway, Cummington, Dalton, Danvers, Danvers-Burleys Corner, Danvers-Danvers Center, Danvers-Danversport, Danvers-East Danvers, Danvers-Hathorne, Danvers-Putnamville, Danvers-Tapleyville, Dartmouth, Dartmouth-North Dartmouth, Dartmouth-South Dartmouth, Dedham, Dedham-Ashcroft, Dedham-East Dedham, Dedham-Endicott, Dedham-Greenlodge, Dedham-Oakdale, Dedham-Riverdale, Dedham-The Manor, Deerfield, Deerfield-East Deerfield, Deerfield-Old Deerfield, Deerfield-South Deerfield, Dennis, Dennis-Dennis (village), Dennis-Dennis Port, Dennis-East Dennis, Dennis-South Dennis, Dennis-West Dennis, Devens, Dighton, Dighton-North Dighton, Douglas, Dover, Dracut, Dudley, Dunstable, Duxbury, East Bridgewater, East Brookfield, East Longmeadow, Eastham, Eastham-Eastham (village), Eastham-North Eastham, Eastham-South Eastham, Easthampton, Easton, Edgartown, Edgartown-Chappaquiddick, Edgartown-Edgartown, Egremont, Erving, Erving-Millers Falls, Essex, Everett, Fairhaven, Fall River, Falmouth, Falmouth-East Falmouth, Falmouth-Falmouth (village), Falmouth-Falmouth Heights, Falmouth-Hatchville, Falmouth-Maravista, Falmouth-North Falmouth, Falmouth-Quisset, Falmouth-Sippewissett, Falmouth-Teaticket, Falmouth-Waquoit, Falmouth-West Falmouth, Falmouth-Woods Hole, Fitchburg, Fitchburg-Fitchburg, Florida, Foxboro, Framingham, Franklin, Freetown, Freetown-Assonet, Freetown-East Freetown, Gardner, Georgetown, Gill, Gill-Riverside, Gloucester, Gloucester-Annisquam, Gloucester-Brier Neck, Gloucester-East Gloucester, Gloucester-Lanesville, Gloucester-Magnolia, Gloucester-Riverdale, Gloucester-West Gloucester, Goshen, Gosnold, Grafton, Granby, Granville, Great Barrington, Greenfield, Groton, Groton-Groton, Groton-West Groton, Groveland, Groveland-Groveland (village), Groveland-South Groveland, Hadley, Halifax, Hamilton, Hamilton-South Hamilton, Hampden, Hancock, Hanover, Hanson, Hanson-Monponsett, Hardwick, Hardwick-Gilbertville, Harvard, Harvard-Harvard, Harwich, Harwich-East Harwich, Harwich-Harwich (village), Harwich-Harwichport, Harwich-North Harwich, Harwich-South Harwich, Harwich-West Harwich, Hatfield, Hatfield-North Hatfield, Hatfield-West Hatfield, Haverhill, Haverhill-Bradford, Haverhill-Zip 01830, Haverhill-Zip 01832, Hawley, Hawley-East Hawley, Hawley-West Hawley, Heath, Hingham, Hingham-Hingham Center, Hingham-Liberty Plains, Hingham-South Hingham, Hingham-West Hingham, Hinsdale, Holbrook, Holden, Holland, Holliston, Holyoke, Hopedale, Hopkinton, Hubbardston, Hudson, Hull, Huntington, Ipswich, Ipswich-Great Neck, Ipswich-Linebrook, Ipswich-Little Neck, Ipswich-Pinefield, Kingston, Lakeville, Lancaster, Lancaster-Lancaster, Lanesborough, Lawrence, Lawrence-North Lawrence, Lawrence-South Lawrence, Lee, Leicester, Lenox, Leominster, Leverett, Lexington, Leyden, 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Plymouth-Cordage, Plymouth-Ellisville, Plymouth-Long Pond, Plymouth-Manomet, Plymouth-Nameloc Heights, Plymouth-North Plymouth, Plymouth-Pinehills, Plymouth-Pondville, Plymouth-South Plymouth, Plymouth-South Pond, Plymouth-Vallersville, Plymouth-West Plymouth, Plympton, Princeton, Provincetown, Provincetown-Provincetown, Quincy, Quincy-Adams Shore, Quincy-Germantown, Quincy-Houghs Neck, Quincy-Marina Bay, Quincy-Merrymount, Quincy-Montclair, Quincy-Norfolk Downs, Quincy-North Quincy, Quincy-Quincy Center, Quincy-Quincy Point, Quincy-South Quincy, Quincy-Squantum, Quincy-West Quincy, Quincy-Wollaston, Randolph, Randolph-North Randolph, Randolph-South Randolph, Raynham, Reading, Rehoboth, Revere, Revere-Beachmont, Revere-Point of Pines, Revere-Revere Beach, Richmond, Rochester, Rockland, Rockland-Beech Hill, Rockport, Rowe, Rowley, Royalston, Russell, Rutland, Salem, Salisbury, Salisbury-Rings Island, Salisbury-Salisbury Beach, Salisbury-Salisbury Center, Salisbury-Salisbury Plains, 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Westport, Westport-Westport Point, Westwood, Weymouth, Weymouth-Bicknell Square, Weymouth-Columbian Square, Weymouth-East Weymouth, Weymouth-Jackson Square, Weymouth-Lincoln Heights, Weymouth-North Weymouth, Weymouth-South Weymouth, Weymouth-Weymouth Heights, Weymouth-Weymouth Landing, Whately, Whitman, Wilbraham, Williamsburg, Williamsburg-Haydenville, Williamstown, Wilmington, Winchendon, Winchester, Windsor, Winthrop, Woburn, Worcester, Worcester-Airport Hill, Worcester-Assumption College, Worcester-Beaver Brook, Worcester-Belmont Hill, Worcester-Burncoat, Worcester-Chandler Hill, Worcester-Cherry Valley, Worcester-College Hill, Worcester-Columbus Park, Worcester-Downtown, Worcester-East Worcester, Worcester-Great Brook Valley, Worcester-Greendale, Worcester-Indian Lake, Worcester-Lincoln Square, Worcester-North Worcester, Worcester-Quinsigamond Valley, Worcester-Rice Square, Worcester-South Worcester, Worcester-Summit, Worcester-Sunderland, Worcester-Tatnuck, Worcester-Union Hill, Worcester-Webster Square, Worcester-West Side, Worcester-Westwood Hills, Worthington, Wrentham, Yarmouth, Yarmouth-Bass River, Yarmouth-South Yarmouth, Yarmouth-West Yarmouth, Yarmouth-Yarmouth (village), Yarmouth-Yarmouth Port