Your credit score plays a big role in getting approved for a mortgage and securing the best interest rate. A lower score can add thousands to your total costs over time.

Before house hunting, check your free credit reports (annualcreditreport.com) and address any errors. Even small improvements in 30–60 days can help you qualify for better terms.

In Boston's fast-paced market, sellers often prefer buyers who are pre-approved—it shows you're serious and ready to move quickly.

Get pre-approved early. It gives you a realistic budget and makes your offers more competitive.

A house isn't just the property—it's the neighborhood, schools, commute, and community vibe too. It's easy to focus only on the home and miss bigger picture details.

Take time to explore crime stats, schools, transit options, nearby amenities, and future development plans. Visit at different times of day and chat with locals.

It's tempting to fall for a home slightly above your price range, especially when options feel limited. But stretching too far can lead to stress down the road.

Set a comfortable budget upfront—including taxes, insurance, and maintenance—and stick to it. Remember, there are always great homes within reach.

The purchase price is just the start. Factor in closing costs (2–5% in MA), property taxes, insurance, utilities, maintenance, and possible HOA fees.

A home that seems affordable monthly might feel tighter once all expenses are added. Build these into your budget from day one.

Many Boston homes are older and can have hidden issues like water damage, outdated wiring, or structural concerns.

Always hire an independent inspector. The small upfront cost can uncover problems worth thousands—and give you negotiating power.

Personal taste varies—what you love (proximity to a busy road, unique layout) might not appeal to future buyers.

Before committing, ask: Will this home be easy to sell later? Get second opinions from friends or family for a more objective view.

Adjustable-rate or interest-only loans might seem attractive for lower initial payments, but they carry more risk if rates rise or life changes.

For most first-time buyers, a fixed-rate mortgage offers peace of mind and predictability.

It's exciting when a home feels perfect, but strong emotions can lead to overlooking flaws or overpaying.

Stay objective as long as possible. There are plenty of great homes out there—the right one will feel good without pressure.

Life changes—new jobs, growing families, or aging parents. A home that fits today might not in 5–10 years.

Look ahead: schools, accessibility, extra bedrooms, or flexible spaces can make your home work longer-term.

Losing a bidding war or having a deal fall through is disappointing. It's tempting to jump on the next option quickly.

Take a pause. The right home is worth waiting for—rushing often leads to regrets.

While you can go it alone, a good buyer's agent knows the local market, can spot issues, and helps negotiate the best deal.

Find someone experienced in your target neighborhoods who prioritizes your interests. Their expertise often pays for itself.