Don’t just imagine owning a Boston condo. Set a goal and accomplish it


Yesterday, I told you about one of my clients who has been postponing the purchase of a Boston condo for sale. 

Today, Dave came to my office with a spring in his step and told me he’s committed to buying a Boston condo this year. Better yet, he plans to do it in the next 6 months.

My conversation with Dave went something like this:

Dave:  John, I’ve given this a lot of thought. I’m convinced NOW is the time for me to take the big step and buy a Boston condo. Let’s get this going. What’s the first thing I need to do to buy a Boston condo?

ME: Dave, the first thing we need to do is to check your credit report.

The importance of knowing your credit

When we pulled Dave’s credit report we found out that he was on the low side of the recommend score to qualify for a mortgage of a Boston Seaport condo or Charles River Park condo for sale.

Now with that said, only 25% of the Americans have a FICO® Score between 740 and 800. Here is the breakdown according to Experian:

  • 16% Very Poor (300-579)
  • 18% Fair (580-669)
  • 21% Good (670-739)
  • 25% Very Good (740-799)
  • 20% Exceptional (800-850)

How to improve your credit to buy a Boston condo for sale

The first thing Dave agreed to do is to get all his credit cards up to date on all required payments. The second thing Dave is going to do is to cancel all department credit cards… TODAY. The truth is DAVE only needs two active credit cards. Banks don’t like to see revolving debt. Each credit card is looked upon as revolving debt.

Here’s something YOU’ll find interesting

Dave has agreed to document his journey with us from starting off with a low credit score to ending with (hopefully) owning a Boston condo. In the next few days and weeks I’ll be posting updates on Dave’s journey. I hope you follow us, more importantly, that YOU the reader, will learn from Dave’s experience, and hopefully I’ll be a successful coach for both You and Dave.

I hope to see YOU back Monday to find out if Dave made any progress with his credit cards, so we can move on to the second step.

My name is John Ford and hope to be YOUR Boston real estate coach. 


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.


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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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