ASK Amanda the Realtor: 20 Questions Every Boston Home Buyer Is Asking Right Now
- Amanda George
- 1 day ago
- 3 min read
By: Amanda George, Realtor | George Group Boston, powered by Lamacchia Realty — ASK Amanda the Realtor
If you’ve ever thought, “I wish I could just ask a Realtor these questions without feeling silly,” this post is for you.
Welcome to ASK Amanda the Realtor — This is part 1 of my ASK series where I answer the top real questions buyers are asking about buying a home in Boston and the surrounding suburbs.
If you're looking for Seller or Investor FAQS check out parts 2 & 3 of this series.
Here are the 20 most common Buyer questions I hear every single week.
1. Is now a good time to buy in Boston?
Timing depends more on your finances than headlines. If you’re financially ready and planning to stay 3–5+ years, buying can make sense in most market cycles.
2. How much money do I need to buy a home?
This depends on loan type, but buyers in Massachusetts can purchase with as little as 3–5% down. Closing costs typically range from 2–3% of purchase price.
3. Do I need 20% down?
No. 20% avoids PMI, but many buyers purchase successfully with less.
4. How do I get pre-approved?
You’ll submit income docs, credit info, and assets to a lender. A strong pre-approval makes your offer competitive. You will need a pre-approval to make an offer on anything in the MA market.
5. How competitive is the Boston market?
Boston and the South Shore remain supply-constrained. Desirable homes often move quickly, especially under $1M.
6. What’s the difference between a condo and a single-family?
Condos include shared ownership and HOA fees. Single-families offer autonomy but more maintenance responsibility.
7. How much are condo fees?
In Boston and surrounding towns, condo fees can range from $200–$600, even upwards of $1,000+ depending on amenities.
8. Can I negotiate in this market?
Yes — but strategy matters. Negotiation isn’t just price; it’s terms, timing, contingencies.
9. How long does it take to buy a home?
From accepted offer to closing: usually 30–45 days.
10. What are closing costs in Massachusetts?
Expect lender fees, attorney fees, title insurance, recording fees, and prepaids.
11. What inspections should I do?
Home inspection is critical. In older Boston properties, also consider sewer scope, pest, lead and radon.
12. Should I waive inspection?
This is case-by-case. Risk tolerance and property condition matter, but in Massachusetts the Seller can not make acceptance of your offer contingent upon waiving the home inspection.
13. What neighborhoods are best?
Agents can’t steer, but I encourage buyers to research commute, lifestyle, schools, and amenities using objective resources.
14. What first-time buyer programs exist?
MassHousing and other MA programs offer assistance options and grants.
15. How much can I afford?
This depends on debt-to-income ratio, lifestyle goals, and comfort level — not just lender approval.
16. What is earnest money?
A deposit submitted with your offer showing seriousness. This can be any number, but customarily around $1,000 when buying a home in Massachusetts.
17. What if appraisal comes in low?
We renegotiate, adjust financing, or explore gap coverage strategies.
18. How do I win in multiple offers?
Strong pre-approval, clean terms, and strategic offer structure. Working with a Realtor who has a great relationship with many local colleagues is also a huge bonus
19. Should I buy new construction?
It depends on timeline, price positioning, and long-term goals.
20. Why work with a buyer’s agent?
Representation protects your interests, negotiates terms, and guides legal paperwork.
📞 Have a question not listed here? Ask Amanda the Realtor directly:
You can follow Amanda George on instagram @amandatherealtor and send her a DM or send an email or inquiry from below:
George Group Boston, powered by Lamacchia Realty
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