Everything You Need to Buy with Confidence
Buying a home is one of the biggest decisions you'll ever make. Annie is here to guide you every step of the way — with 22 years of real estate expertise and a genuine passion for finding you the right fit.
The Home Buying Process
Annie walks you through every step so there are no surprises.
Get Pre-Approved
Before you start touring homes, connect with a lender to get pre-approved. This tells you exactly what you can afford and makes your offer stronger.
Define Your Wish List
Think about must-haves vs. nice-to-haves — location, size, style, school districts, commute. Annie helps you prioritize what matters most.
Tour Homes
Annie curates showings based on your criteria, saving you time and helping you see past staging to the bones of each property.
Make an Offer
When you find the one, Annie crafts a competitive offer strategy — pricing, contingencies, and terms — to give you the best shot at winning.
Inspections & Due Diligence
Annie coordinates inspections and reviews results with you, negotiating repairs or credits when needed so you're fully protected.
Close & Celebrate
From final walkthrough to signing day, Annie is by your side. Then it's time to celebrate — you're a homeowner!
Buyer Tips from Annie
Hard-won wisdom from 22 years of helping buyers find their happy place.
Don't skip the pre-approval
Sellers take pre-approved buyers far more seriously. It also prevents heartbreak over homes outside your budget.
Think long-term
Buy for the life you want in 5 years, not just today. Consider schools, commute, and neighborhood trajectory.
Budget beyond the purchase price
Factor in closing costs (2–5%), moving expenses, immediate repairs, and an emergency fund for surprises.
Location over perfection
You can renovate a kitchen. You can't move the neighborhood. Prioritize location and lot — everything else is fixable.
Trust your gut — and your agent
If something feels off about a property or a deal, speak up. Annie's job is to protect your interests, not just close a sale.
Move quickly in a hot market
In MA and NH, good homes go fast. Be ready to act — have your pre-approval letter and wish list ready before you fall in love.
Understanding Your Mortgage
The basics you need to know before you borrow.
Fixed vs. Adjustable Rate
A fixed-rate mortgage keeps your payment stable for the life of the loan. An ARM starts lower but can change — great if you plan to move within 5–7 years.
Down Payment Options
Conventional loans typically require 5–20% down. FHA loans allow as little as 3.5%. First-time buyer programs in MA and NH may offer additional assistance.
What Lenders Look At
Credit score, debt-to-income ratio, employment history, and savings. Annie can refer you to trusted local lenders who will treat you right.
Closing Costs
Expect 2–5% of the purchase price in closing costs — title fees, attorney fees, taxes, and lender fees. These are due at the closing table.
Frequently Asked Questions
How long does it take to buy a home?
From pre-approval to closing, the typical timeline is 60–90 days. In competitive markets it can move faster — which is why being prepared matters.
Do I need a buyer's agent?
Yes — and it costs you nothing. In most transactions, the seller pays both agents' commissions. Annie represents your interests exclusively, at no cost to you.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported info. Pre-approval involves a full credit check and document review — it's what sellers want to see.
Can I buy and sell at the same time?
Yes, and Annie does this regularly. It takes careful coordination and timing — she'll walk you through bridge loans, contingencies, and sequencing options.
What areas does Annie cover?
Annie works throughout Massachusetts and New Hampshire. Contact her to confirm coverage in your specific town or city.
Ready to Start Your Search?
Let's talk about what you're looking for. Annie will listen, advise, and help you find a home that truly feels right.