Your first home, step by step.
Renting in Chelsea, Revere or Everett and ready to own? Luis walks you through credit, pre-approval, down payment help and closing, in English or Spanish, with no pressure.
Six steps, one guide
Most first-time buyers in Massachusetts close in 60 to 120 days from their first call. Here is what happens along the way.
Check your credit and budget
We look at what you earn, what you owe and what monthly payment feels comfortable.
Get pre-approved
A lender confirms how much you can borrow. Luis connects you with lenders who speak Spanish.
Find down payment help
Many buyers qualify for state and local assistance programs. We check which ones fit you.
Search and visit homes
Instant alerts for new listings and showings at times that work for you.
Make an offer and inspect
Luis negotiates for you and coordinates the inspection and the attorney.
Close and get your keys
As a notary with hundreds of loan signings, Luis explains every page you sign.
You may need less than you think
Programs change often, so Luis checks the current rules with you and your lender. These are the places to start.
MassHousing
Mortgages and down payment assistance for first-time buyers across Massachusetts.
masshousing.comFHA and low down payment loans
Loan types with smaller down payments. Your lender explains which you qualify for.
City programs
Some cities, including Chelsea and Revere, offer their own homebuyer help and classes. Luis checks what is open now.
Am I ready to buy?
Answer a few questions and Luis will send you a personal plan: your price range, the programs to check and your next step.
What would you pay each month?
Change the numbers and see your estimated payment instantly. For an exact figure, Luis connects you with a lender who speaks your language.
Estimate only. Does not include mortgage insurance (PMI), condo fees or other costs.
- Principal & interest
- $0
- Property tax
- $0
- Insurance
- $0
- Loan amount
- $0
Common questions
How much do I need for a down payment?
It depends on the loan. Some loans allow a few percent down, and assistance programs can help with the down payment and closing costs. Your lender confirms your exact amount.
Do I pay Luis to help me buy?
Ask Luis how buyer representation works today. You will sign a written agreement that explains exactly how he is paid before you tour homes together.
Can I buy a two-family and rent one unit?
Yes. Many first-time buyers in Greater Boston do this, and the rent can help with the mortgage. See the Invest page.
Can we do everything in Spanish?
Yes. Luis works with you in Spanish from the first call to closing, and connects you with lenders and attorneys who speak Spanish.
Learn before you leap
The first-time buyer guide to Massachusetts
Credit, pre-approval, assistance programs and closing costs, step by step.
How to sell your home for more
Pricing, prep, photos and negotiation, from a broker with decades of experience.
Investing in Greater Boston multi-families
How to live in one unit and rent the others, with real numbers.
