First steps to take when buying a Boston Beacon Hill condo

Step 1. Organize and Understand Your Finances

Get organized…understand where you are at financially. A credit report is an overview of how you manage your finances. A prospective Beacon Hill condo home owner must know what their credit reports say about their financial history before applying for a mortgage. Credit reports play an imperative role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you. Educate yourself on credit reports and how credit scores are calculated
It might suprise you to learn that errors are common in credit reports…so review yours. For a free credit report follow this link…

Step 2. Familiarize Yourself with the Mortgage Industry 

Finding a proper loan and lender is detrimental to your Beacon Hill condo home buying success. The prospective buyer must determine which lender is best for their particular needs. It is always smart to educate yourself about the loan process before speaking with a lender.  You should also get at least one competing mortgage offer from a major industry player.

Step 3. Getting Pre-Approved for a Mortgage 

First things first… what kind of Beacon Hill condo do you want to buy and how much you can afford to pay in monthly installments. Try using an online mortgage calculator, just remember it will only be an estimate, not an actual pre-approval amount. Why do you want to get pre-approved? You want to be pre-approved for a loan before hand because if you were making an offer on your dream home and the seller recieves a similar offer in the same day from people who are pre-approved and ready to move forward…who wins?


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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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