Find Your Perfect Home in Greater Boston

Down payment requirements vary by loan type. Conventional loans typically require 5–20%, FHA loans require as little as 3.5% with qualifying credit, and VA/USDA loans may require 0% down. In Greater Boston's competitive market, many buyers put down 20% to strengthen their offers and avoid PMI. We connect you with trusted lenders who can walk through every option for your situation.

From starting your search to closing, most buyers should expect 2–4 months in a typical market. Pre-approval takes 1–3 days, active searching varies by how quickly you find the right home, and once under contract, closing takes 30–45 days on average. In competitive situations, sellers may request quicker closings — having your financing in order gives you a real edge.

Absolutely. In Greater Boston's competitive market, having expert representation is critical. Since the 2024 NAR settlement, buyer agent compensation is negotiated upfront — in many transactions, the seller still offers compensation, but your agent will discuss this with you before you start your search. You get market analysis, contract review, negotiation expertise, and full transaction support. Going unrepresented means navigating the process alone against seasoned listing agents whose job is to maximize the seller's outcome.

Pre-qualification is a quick informal estimate based on self-reported income and assets. Pre-approval is a formal process where a lender verifies your financials, pulls credit, and issues a commitment letter. In Greater Boston, sellers expect pre-approval before accepting offers — and in multiple-offer situations, the strength of your financing can make the difference between winning and losing.

Greater Boston regularly sees multiple offers on desirable properties, especially in Newton, Brookline, and Needham. In a bidding war, you'll typically need to come in above asking price, waive or tighten contingencies, offer a larger deposit earnest money, and sometimes accommodate the seller's preferred timeline. We've navigated hundreds of competitive situations and know exactly how to structure an offer that wins without overpaying.