Buying a property for the first time can be a bit stressful. The Melrose MA first time home buyer advice below may help. Properties are a big investment and buyers should become educated on the process.

Before Purchasing

Find a Local Mortgage Company & Request Pre-approvals

Interview a local lender and receive a pre-approval. Keep in mind that banks may provide different programs than mortgage brokers. Review the programs and closing costs to figure out the best program. Get estimates on up-front costs and monthly expenses. This may give a good indication of what you can afford.  Contact John Martino with the Martino Law Group, LLC for the best first time home buyer advice.  We will be happy to put you in contact with a reputable, lender, who we regularly work with.

Get Assistance from an Agent

Find a real estate attorney expert to guide you through the home buying process. Interview several agents and select one that best understands your needs. Experienced brokers can help you identify appropriate properties, negotiate offers, and ensure a smooth transaction. This guidance will be critical first time buyers.  We at the Martino Law Group, LLC have a pool of agents that we regularly work with.  We will be happy to help you get in touch with the right agent based on your individual circumstances.

Notes About Buying Steps

Real Estate Showings

Only visit homes within your budget. This avoids the disappointment of wanting real estate that you cannot purchase. Visiting homes can take lots of time and energy, so staying within your budget will also save valuable time.


Real estate brokers can offer tips on contracts and negotiating them, but they can not practice law. Think about using a local real estate attorney to navigate legal jargon and add any necessary terms. Make sure that you sufficiently understand the terms and obligations of contracts before signing them.


Inspections are not an opportunity to renegotiate price. Also stay away from negotiating previously disclosed issues. Such strategies are not typically successful and lead you to lose the money spent on the inspection. Sellers have the option to repair problems, offer to compensate you for them, or refuse to do nothing at all. Try to be fair with your requests and sellers may be more willing to negotiate them.

Final Walk-Thru

Shortly before the closing, you will have an opportunity to view the property. Try and make this after the seller has moved out. Resolve any problems before signing closing paperwork as there is little you can do afterwards.

Property Closings

You will need proper identification for the closing. Bring a bank check or money order for any money due. Also bring your checkbook for any last minute changes. Once the settlement paperwork is filed, the property is yours!

Additional Melrose MA First Time Buyer Advice

The home buying process can be much less intimidating if you prepare in advance and keep the above in mind. For details beyond what is included in this Melrose MA first time buyer advice, contact John Martino at The Martino Law Group, LLC by calling (781) 531-8673 or by emailing