VanderZicht Real Estate, Inc. | Whitinsville Real Estate, Uxbridge Real Estate, Sutton Real Estate


Getting ready to buy a home is one of the most exciting times in life. The purchase of a home is one of the biggest financial decisions that you will ever make in your lifetime. When you make the decision to buy a home. There are a few key things that you need to do to be prepared for the process of a property purchase. It can be simple if you have the right preparation and knowledge.


Find The Right Realtor


A good realtor will steer you in the right direction when it comes to finding the home of your dreams. Your real estate agent also will help you each step of the way on the road to buying that home. There’s a lot of paperwork that must be done in a timely manner throughout the buying process. The right realtor can even help you to get the offer in for the right home in on time. In a competitive market, having a realtor who is on top of things can mean the difference between purchasing the home you want and letting it fall through the cracks.


Know That You’re Signing A Lot Of Legal Paperwork


The purchase of a home does involve a contract. If you need more time for anything such as reviewing your home inspection or waving certain contingencies, you’ll need to state that. Every piece of the transaction is important and needs to be formally processed when it comes to purchasing a home. Your realtor will be there to help you through all of these complicated processes. 


Think Of The Future


When you’re choosing a home, you’re not just buying for your life as it stands right now. Are you hoping to have a big family? Do you need a home office? How much entertaining are you planning on doing? All of these things are important when it comes to the type of home that you’ll buy. If you don’t plan for the future, you’ll outgrow the home that you’re in quite quickly. 


Look For Potential


See what potential the homes that you’re looking at have for you. Some homes may have major cosmetic issues that can easily be fixed. Perhaps The walls just need some fresh coast of paint. Maybe the deck needs to be stained. If you go into the house search with an open mind, it will be a lot easier for you to find the right home. You don’t need a home that is absolutely move-in-ready unless of course, you’re building a brand new home from scratch.


Know Your Finances


One of the most important things about buying a home is knowing your finances. Don’t buy a home that you can‘t afford. From looking at your own budget to getting pre-approved, you’ll be able to have a better understanding of your own financial situation and how much house you can afford.


For those who want to simplify the homebuying process, crafting a budget is ideal. Because if you tailor your house search to your finances, you can eliminate the risk of spending beyond your means to acquire your dream residence.

Now, let's take a look at three tips to help you budget for the homebuying journey.

1. Analyze Your Financial Situation

Request a copy of your credit report – you'll be glad you did. You are eligible to receive a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Once you have your credit report, you can assess your credit score and take steps to improve it as needed.

Getting your credit report can help you identify outstanding debt and other financial issues that may make it tough to acquire a house. If you can correct these issues today, you can eliminate the risk that they could impact your ability to buy your dream residence in the near future.

2. Consider Your Homebuying Expenses

The price of a home is one of many financial considerations that a buyer will need to evaluate during the property buying journey. Fortunately, if you map out your homebuying expenses, you can ensure that you'll have the finances available to cover these costs as you pursue your dream home.

For example, a property inspection may be used to assess a house's condition before you finalize a home purchase. This inspection will require you to hire a professional home inspector, so you will need to make sure you have the money available to cover the cost of this homebuying expense.

You should consider home closing costs as well. And if you start saving for home closing fees and other homebuying expenses, you won't have to worry about scrambling to get the money to cover these costs as you navigate the property buying journey.

3. Get Pre-Approved for a Mortgage

Pre-approval for a mortgage is a must, regardless of your homebuying goals. If you meet with a variety of banks and credit unions, you can analyze your home financing options and select a mortgage that suits you perfectly.

Banks and credit unions are happy to teach you about different types of mortgages and how each type of mortgage works. Plus, if you have any mortgage questions, banks and credit unions are ready to respond to your queries right away.

As you prepare to pursue your dream house, you also may want to hire a real estate agent. In addition to helping you streamline your search for your ideal residence, a real estate agent can put you in touch with the top mortgage professionals in your area, help you plan ahead for various homebuying expenses and much more.

If you want to conduct a successful home search, it may be a good idea to prepare a homebuying budget. Thanks to the aforementioned tips, you can craft a homebuying budget so you can accelerate the process of acquiring your dream house.


Creating an offer to purchase a home may require several minutes, hours or days – it all depends on the buyer. Fortunately, there are many things you can do to accelerate the process of putting together a homebuying proposal that will get a seller's attention. These include:

1. Study the Housing Market Closely

When it comes to preparing an offer to purchase a house, there is no need to leave anything to chance. If you analyze the real estate market closely, you can gain the housing sector insights you need to craft a competitive homebuying proposal.

Take a look at the prices of recently sold houses in your area, along with how long these residences were available before they sold. With this information in hand, you can determine whether the current housing market favors buyers or sellers and craft your offer to purchase accordingly.

Analyze a house's age and condition as well. By doing so, you can account for the state of a house as you put together an offer to purchase.

2. Maintain Flexibility

Although you may be in a hurry to acquire your dream residence, a seller may need time to find a new place to live. As such, you should maintain flexibility as you craft your offer to purchase and be ready to accommodate a seller's requests.

Ultimately, it is important for a home sale agreement to meet the needs of both a buyer and seller. If you consider the seller's perspective as you create an offer to purchase, you may be better equipped than ever before to craft a homebuying proposal that works well for both you and a seller.

3. Collaborate with a Real Estate Agent

Let's face it – creating an offer to purchase a house can be challenging, particularly for a buyer who is putting together a homebuying proposal for the first time. Lucky for you, real estate agents are available nationwide who can help you craft a competitive offer to purchase in no time at all.

A real estate agent is happy to provide you with homebuying insights you may struggle to obtain elsewhere. He or she can offer recommendations and suggestions as you prepare a homebuying proposal. Plus, a real estate agent can help you submit an offer to purchase and negotiate with a seller's agent on your behalf.

Let's not forget about the support a real estate agent provides after you submit an offer to purchase, either. If your homebuying proposal is approved, a real estate agent will help you finalize your house purchase. Or, if your offer to purchase is rejected, a real estate agent will help you reenter the housing market so you can discover your dream house. In the event a seller counters your offer to purchase, a real estate agent can help you determine the best course of action, too.

Ready to submit an offer to purchase your ideal residence? Use the aforementioned tips, and you should have no trouble submitting a competitive homebuying proposal and acquiring your dream house.


Historic homes are coveted by many for their charm. Some want a home with history while others one with “good bones” of bygone construction methods. Whatever your motivations one thing is clear: owning a historic home is a rewarding experience.

This is usually due to the effort, time and investment put into maintaining the home’s old world charm. Those who take on a historic home should be ready for a project in some capacity either right after buying or down the line.

Maintaining, and sticking to, the classic style and shapes while working under stylistic limitations takes time and effort. Be sure that when purchasing a historic home it’s one of an era whose style you really like. This is because many historic homes have what is called an easement in place. What an easement does is dictate what owners of that particular estate can and can not do to the home to maintain its historical integrity. This can limit everything from additions to siding color.

Historic homeowners should also be ready to get creative during the renovation process. Old houses have their quirks, it’s best to embrace this when making changes and to work with them - not against them. Knocking out walls and shaving down flooring to be perfectly symmetrical compromises the entire structure’s historic roots. If you absolutely must have perfect walls and flooring a historic home is probably not for you.

With that said when viewing homes ensure that any crookedness is from settling over time and not from damage to the sill plate. The sill plate is the topmost part of the foundation and especially vulnerable due to this placement along ground level. If there is damage to the sill plate know that the entire structure of the home is also compromised and in need of serious, and expensive, attention. If this is the case, it’s best to walk for most homeowners.

A warped or compromised sill plate can also mean water damage. Another sign to look for water troubles is a sump pump in the basement. You want to keep an eye out for water damage, as this is a very serious threat to the structure and can also attract all kinds of bugs.

If you have your heart set on a historic home but find all of this overwhelming a historic home expert, either a contractor who specializes in historic homes and/or a local historian that restores homes, can help you significantly through the process. In fact, overwhelmed or not it’s best to bring an expert on board during your buying process. This person should be in addition to your home inspector - not in place of. You also want to be sure to find someone who understands that you want to preserve and restore a historical home and not just gut the building.

Plan your budget well. While restoring a home is usually a passion project for many you still don’t want to overinvest and end up taking a huge loss if you eventually resell. Know what restoration projects in your area typically go for and use these as a guideline for your own budget.

Don’t be afraid to start small if you are on a tight budget or this is your first restoration project. These projects can take years so when planning start here first: roof, windows, and masonry. Create a watertight home first to prevent any further potential damage.

The good news about historic homes is that there are plenty of grants and tax programs for homeowners planning on restoration. Not every loan option will be available to you if the home requires major work but there are loans available specifically for major repairs such as the 203k. Know your options before you start looking as this will a major determination factor of your budget and the degree of work you’ll be able to put into a home.