The following is the process of obtaining a Boston condo mortgage:

  1. Having the funds for the down-payment for a Boston condo. Generally the down payment is between 5 -20% of the purchase price. It’s possible for first time home buyers to put down as little a 3% down.
  2. Must be able to show income verification, credit history and asset documentation.
  3. Proof of stable income, being in the same job or field for three years or longer is ideal.
  4. Proof of good credit history, paying credit card bill on time, low carrying balance and no more than two credit cards at one time is helpful.

Here are the steps you can take right now:

  1. Find out your credit score before applying for  a loan. You can contact several credit agencies and may provide one time free report.
  2. Start gathering up your documentation such as; w-2 forms, three years of tax returns, employment history dates, banking records checking and savings and IRA’s and retirement savings.
  3. Consult with a lender in obtaining a pre-approval letter.
  4. Meet up with a Boston condo real estate agent.
    Boston condos for sale

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    Contact me to find out more about Boston condos for sale or to set up an appointment call/text 617-595-3712.

    Boston condos

    Boston condos for sale


    For more information please contact one of our on-call agents at 617-595-3712.

    Updated:  1st Q 2018

Author Profile

John Ford
John Ford

Over the course of 20 years in the Boston downtown real estate market, John represented and sold numerous, condominiums, investment and development properties in Greater Boston and in the surrounding suburbs

In addition to representing Boston condo buyers and sellers, John is currently one of the most recognized Boston condo blog writers regarding Boston condominiums and residential real estate markets. John's insights and observations about the Boston condo market have been seen in a wide variety of the most established local & national media outlets including; Banker and Tradesman, Boston Magazine The Boston Globe, The Boston Herald and NewsWeek and Fortune magazine, among others.


For over 24 years, John Ford, of Ford Realty Inc., has been actively involved in the real estate industry. He started his career in commercial real estate with a national firm Spaulding & Slye and quickly realized that he had a passion for residential properties. In 1999, John entered the residential real estate market, and in 2000 John Started his own firm Ford Realty Inc. As a broker, his clients have come to love his fun, vivacious, and friendly attitude. He prides himself on bringing honesty and integrity to the entire home buying and selling process. In addition to helping buyers and sellers, he also works with rental clients. Whether you’re looking to purchase a new Boston condo or rent an apartment, you’ll quickly learn why John has a 97% closing rate.


Back Bay

Beacon Hill

Charles River Park


North End

South End

Seaport District

South Boston



Surrounding Communities of Boston
John Ford and his staff can be reached at 617-595-3712 or 617-720-5454. Please feel free to stop by John's Boston Beacon Hill office located at 137 Charles Street.

John Ford
Ford Realty Inc
137 Charles Street
Boston, Ma 02114



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