The Buyer’s Guide
Your Next Home.
Chosen Carefully.
Chosen Carefully.
Financing, strategy, and every step between the first consultation and your keys.
The Buying Roadmap
The Steps Between You and Your Keys
01
Prepare
We define your goals and budget, sign a written buyer agreement, and get you fully pre-approved before we tour.
02
Search
We tour homes that fit your criteria, and I analyze recent sales on every serious contender so your offer is grounded in real numbers.
03
Negotiate
I negotiate your offer to the strongest terms possible, you complete your inspection, and both sides sign the Purchase and Sale Agreement.
04
Close
Appraisal, mortgage commitment, insurance, and a final walkthrough. Offer to closing is typically 30–45 days.
Before We Tour
Three Things Worth Knowing Early
Financing comes first
Your loan type shapes your budget, your offer, and how competitive you are. First-time buyer? Ask about ONE Mortgage and MassHousing in MA, or NH Housing programs in NH.
A buyer agreement is required
It puts our terms in writing from day one and allows me to represent you fully, starting with the first showing. We review it together before you sign.
Know your cash before closing
Plan for an escrow deposit ($1,000–$10,000+), inspection ($500–$900), and appraisal ($500–$800). Deposits are credited toward your purchase at closing.
Estimates as of 2026. Actual costs vary by property, lender, and contract.
Buying Strategically
Certainty matters almost as much as price.
I bring your lender in from the start and confirm six things before every offer: pre-approval, cash to close, timeline, conditions, the property, and a lender call to back your offer. Every offer balances strength and protection, so you compete without putting your deposit or your finances at risk.
Ready to start?
Honest advice, full attention, and the backing of the Fermin & Fox Group from first showing to closing day.
Schedule a Buyer Consultation
Read the Full Guide
Christina Stonionis · Associate Broker · Century 21 North East · The Fermin & Fox Group · MA #9575816 · NH #070486
