First Time Home Buyers

The Road to Home Ownership: Your First Home.

No matter your age, the idea of buying your first home is exciting and possibly terrifying. As a first time home buyer, you have probably thought of just what YOUR dream home will have. Will it have a modern kitchen? Stainless steel appliances? Granite countertops?

While your buyer’s agent doesn’t want to curb your enthusiasm, it is incumbent upon us to educate you about the whole first time home buying process on Cape Cod with a consultation.

Take advantage of our no obligation, complementary consultation.


A first time buyer consultation will give you and your potential buyer’s agent a chance to discuss your “must-haves” (e.g., distance from work, number of bedrooms/bathrooms), “should-haves”, and the “wish list”.

During this process, we get to know you and you get to know us. In the end, buying a home is a compromise between what you would ideally want, and choices that are within your budget.

Streamline the Process with a Preapproval Letter

Being Prepared with give you the advantage

When starting to look to buy a new home in Cape Cod, it’s a good idea to already have a pre-approval letter from a bank, mortgage broker, or mortgage lender for two reasons. First, it helps you decide your home-buying budget, so your Property Cape Cod agent knows at what price point to search for houses. Second, it strengthens your offer to purchase. Buyers who complete this step before beginning their home search will have a bargaining advantage in a situation where competing offers are made on the same property.

There are many options when it comes to home loans, and it is important to choose the right program for your situation. It’s not a “one size fits all” formula. There are adjustable rate mortgages, conventional mortgages, FHA, VA, MA, US loan programs and more.

So where do you start?

We work with mortgage professionals everyday, and we can guide you to the best lender for your situation. Not all lenders are the same. Sometimes a bank is the best fit; sometimes it is a mortgage broker. Sometimes working with the right bank leads to a smoother transaction. Each situation is unique.

Your mortgage options will be reviewed thoroughly at your first time home buyer consultation.  

do not overlook your credit score

An important item first time home buyers overlook when looking for a mortgage is Credit Scores. It’s important to work with a knowledgeable, experienced agent, as we will help match you with a mortgage representative that specializes in your type of financing needs. It is beneficial to prepare ahead of time, and an experienced mortgage broker will give you advice on the steps you need to know to increase your Credit Scores and work with you towards the common goal of home ownership.

Did you know interest rates vary greatly and are heavily dependent on your Credit Score? Sure. But did you also know with a few simple tips, you can increase your credit score? This could result in saving thousands over the life of your loan.