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      Checklist for Buying a Home in Boston: The Pros You Need

      Buying a home in Boston is hardly a do-it-yourself kind of project. Having confidence that all the I's are dotted and the T's crossed requires the input of professionals whose daily dealings keeps them in though with the current legal and financial arenas. Call them the "Fundamental Four" -- the four groups of professionals you will want to have on your team when buying a home in Boston this winter.

      First and foremost, you need to be sure the money factor is handled in an advantageous way. By far the most popular route is via a mortgage: a home loan. Your specialist here is the professional mortgage broker. He or she will advise you on the types of mortgages available this winter; will work with you to determine the amount you qualify for, the different payment plans you can choose, and guide you through the maze of paperwork.

      A real estate agent does more than just sparing you the trouble of going through the listings to find a suitable home. Yes, your agent will help you identify Boston area homes for sale that suit your budget and preferences, but will also be a vital part of the negotiating process and the disclosure and associated paperwork. Your agent is actually the professional who ties together the work of all your other consultants.

      The inspector is your expert when it comes to verifying the quality of the property itself. He will inspect and prepare a comprehensive report on every critical physical aspect. Buying a home can't be a guessing game when it comes to the state of the structure itself: your inspector will help you determine if it fits the price tag.

      The title/escrow company facilitates the actual transaction itself, which can be a bit more complicated than you might think. They will prepare all the legal documents after inspecting the title of the property, and, via contract, oversee the timing as the home is transferred from the seller to you.

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