Gallagher Group, Inc. | Norwell Real Estate, Marshfield Real Estate, Hanover Real Estate


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.


A homebuying budget can make a world of difference, particularly for those who want to streamline a house search. If you have a budget at your disposal, you will know approximately how much you can spend on a residence. Then, you can narrow your house search accordingly.

Establishing a homebuying budget can be simple. Now, let's take a look at three tips to help you do just that.

1. Evaluate Your Finances

Your income and savings can have far-flung effects on your ability to acquire your dream house. If you perform an in-depth review of your finances, you can find out exactly how much money you have available before you launch a house search.

It often is a good idea to consider your long-term finances as you prepare to kick off a house search, too. A house usually is a long-term investment. And if you account for your long-term finances in your homebuying budget, you may be better equipped than ever before to conduct a successful home search.

2. Get Pre-Approved for a Mortgage

Banks and credit unions are happy to teach you about different types of mortgages. Plus, they can help you get pre-approved for a mortgage without delay.

To get pre-approved for a mortgage, you should meet with several banks and credit unions. Of course, if you have mortgage questions, you should address them before you submit a mortgage application. Once you have a mortgage in hand, you can establish a price range for your house search.

3. Examine Your Potential Closing Costs

Attorney fees, house inspection expenses and other closing costs may surprise some homebuyers. Yet if you understand your potential closing costs, you can plan ahead for these expenses.

Closing costs generally range between 2 percent and 5 percent of a house's purchase price. They also may be incorporated into the overall cost of a house. However, if you evaluate potential closing costs early in the homebuying journey, you can account for these expenses in your property buying budget.

As you get ready to launch a house search, you may want to hire a real estate agent, too. This housing market professional understands what it takes to find and acquire a terrific home at a budget-friendly price. Therefore, he or she will do everything possible to help you accomplish your homebuying goals as quickly as possible.

If you want to purchase a house close to your office in the city, for instance, a real estate agent will offer tips and recommendations to help you find a first-rate house in or near the city itself. On the other hand, if you aspire to own a home that boasts multiple bedrooms, a real estate agent will help you hone your house search to residences that fall in line with your expectations.

Ready to launch a successful home search? Thanks to the aforementioned tips, you can prepare an effective homebuying budget. As a result, you could speed up your quest to discover and purchase your dream house.


For those who want to acquire a stellar house at a budget-friendly price, it pays to work with a diligent real estate agent. In fact, some of the top reasons to hire a diligent real estate agent include:

1. A diligent real estate agent knows all about the housing market.

Are you still unsure about what differentiates a buyer's market from a seller's market? No worries, as a diligent real estate agent can teach you everything you need to know about the housing market.

A diligent real estate agent will dedicate the necessary time and resources to help you become an informed home shopper. That way, you can enter the real estate market with the support and insights that you need to succeed.

Also, a diligent real estate agent is ready to respond to any homebuying concerns and questions. This housing market professional can serve as an expert homebuying resource who can help you achieve the best possible results during the property buying journey.

2. A diligent real estate agent can help you establish realistic homebuying expectations.

Although it may seem simple to look at houses and find one that can serve you well for years to come, the property buying process may prove to be much more complex than you initially thought. However, a diligent real estate agent can help you map out your homebuying journey so you can avoid potential hurdles along the way.

For example, a diligent real estate agent may encourage you to get pre-approved for a mortgage. Because, with a mortgage in hand, you can begin your home search with a clear understanding of how much money you can spend on a house.

A diligent real estate agent may ask you to differentiate between "must-haves" and "wants" for your dream residence. And with a homebuying checklist in hand, you can narrow your home search and accelerate your quest for the perfect residence.

3. A diligent real estate agent can help you handle homebuying negotiations.

Let's face it – homebuying negotiations can be tricky, particularly if you're forced to work with a stubborn home seller. But with a diligent real estate agent at your side, you can get the assistance you need to purchase your dream house at your ideal price.

A diligent real estate agent can negotiate with a home seller on your behalf and keep you up to date at each stage of a negotiation. Then, as homebuying negotiations progress, a diligent real estate agent will be able to offer tips and guidance to help you make informed decisions.

In addition, a diligent real estate agent can help you minimize stress throughout homebuying negotiations. If these negotiations become too stressful, a diligent real estate agent will do everything possible to help you stay calm, cool and collected as well.

If you're planning to buy a home in the near future, hiring a diligent real estate agent is a must. This housing market professional will do what it takes to ensure you can purchase a wonderful residence that matches or exceeds your expectations.


Want to relocate to a condo? With assistance from a real estate agent, you should have no trouble moving into the condo of your choice.

Employing a real estate agent with condo experience is ideal, particularly for property buyers who are considering condos for the first time. However, it is important to note that not all real estate professionals with condo experience are created equal, and some stand out for all the right reasons.

Ultimately, there are several factors to consider as you search for a real estate agent to help you find the perfect condo, including:

1. Expertise

How many years has a real estate agent been assisting condo buyers? Does a real estate agent know how to get information from a homeowners' association (HOA)? And can a real estate agent set up condo showings at your convenience? These are just a few of the questions that condo buyers need to consider before they employ a real estate agent.

As a condo buyer, there is no need to settle for a subpar real estate agent. In fact, real estate agents with condo expertise are available across the country. And if you conduct a comprehensive search for the right real estate agent, you should have no trouble finding a real estate professional who can guide you along each step of the condo buying journey.

2. Communication Skills

How does a real estate agent keep in touch with his or her clients? Try to find a real estate agent who provides regular updates throughout the condo buying process. This real estate professional will make his or her clients a priority and do whatever it takes to help them get the best results possible.

Ideally, you should be able to get in touch with a real estate agent via phone, email or text. And if a real estate agent is unavailable, you usually should expect to hear back from him or her within a few hours at most.

A real estate agent who is readily available will be able to provide you with the condo buying support that you need, any time you need it. As a result, this real estate professional can keep you up to date about new condos as they become available, the state of negotiations with a condo seller and much more.

3. Client Satisfaction

Are past clients satisfied with the support that they received from a real estate agent? Ask a real estate agent for client referrals to find out.

Reaching out to past clients can provide you with a better idea about how a real estate agent will assist you during the condo buying journey. That way, you can determine whether you will feel comfortable working with this real estate agent or if you should consider other options.

Dedicate the necessary time and resources to find a great real estate agent to help you find your dream condo. By doing so, you can move one step closer to making your condo ownership dreams come true.


Believe it or not, even a first-time homebuyer can become a property buying expert. If you plan ahead for the homebuying journey, you can quickly and easily navigate the path from homebuyer to homeowner.

Now, let's take a look at three tips to help you master the homebuying journey.

1. Create Homebuying Criteria

If you know you want to buy a home in the foreseeable future, it generally is a good idea to create property buying criteria. That way, you'll know what you want to find in your dream residence and can map out your home search accordingly.

For instance, if you prefer big city life, you may want to hone your house search to a select group of cities. On the other hand, if you want to own a house that offers a large backyard and an in-ground swimming pool, you may want to search for homes that fall in line with your expectations.

2. Get Home Financing

As a homebuyer, you likely will need to secure a mortgage so you can acquire your dream residence. Fortunately, there is no shortage of banks and credit unions across the United States that are happy to help you obtain home financing.

Take a look at the mortgage options available from a variety of banks and credit unions – you'll be happy you did. By conducting an in-depth evaluation of your home financing options, you can make an informed mortgage selection.

Of course, home financing can be complicated. And if you have any concerns or questions, don't hesitate to ask a bank or credit union for assistance. Banks and credit unions employ friendly, knowledgeable home financing specialists, and these professionals can provide mortgage insights you may struggle to obtain elsewhere.

3. Hire a Real Estate Agent

If you're unsure how you'll navigate the homebuying journey, there is no need to worry. Dozens of real estate agents are available in cities and towns nationwide, and these housing market professionals can offer comprehensive homebuying insights.

For those who want to master the homebuying journey, it often is beneficial to hire a real estate agent. This housing market professional can teach you about different aspects of the homebuying journey. Plus, he or she is ready to provide homebuying recommendations and suggestions as you search for your ideal residence.

In addition, a real estate agent offers extensive assistance at each stage of the homebuying journey. From the moment you start your home search to the moment you finalize your home purchase agreement, a real estate agent is available to help. Best of all, a real estate agent will help you alleviate stress as you consider houses and ensure you can make the best-possible home purchase decision.

As you get set to enter the real estate market, you should strive to become a homebuying expert. Thanks to the aforementioned tips, you can master the homebuying journey and discover and buy your dream residence in no time at all.




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