Buying a Home in Massachusetts Without an Agent
A step-by-step guide for Massachusetts homebuyers who want to skip the buyer's agent and save thousands in commission.
Massachusetts Closing Requirements
Attorney Required at Closing
Yes — Attorney Required
Buyer Agent Required by Law
No — Agent Is Optional
Massachusetts requires licensed attorneys to conduct real estate closings and title examinations.
8 Steps to Buy Without an Agent in Massachusetts
Get Pre-Approved for a Mortgage
Before searching for homes, get a pre-approval letter from a lender. This tells sellers how much you can borrow and shows you're a serious buyer. Compare rates from multiple lenders to find the best deal.
Search for Homes
Use Zillow, Redfin, Realtor.com, and local MLS portals to find listings. Set up alerts for your target criteria. You can also drive neighborhoods and look for FSBO signs.
Research Comparable Sales
Before making an offer, research what similar homes have sold for in the last 90 days. Zillow, Redfin, and county tax records provide recent sale prices to help you make a fair offer.
Schedule a Showing
Contact the seller's listing agent directly to schedule a showing. The listing agent represents the seller but is legally obligated to treat you fairly. You don't need your own agent to tour homes.
Write and Submit Your Offer
Prepare a written offer including purchase price, contingencies (inspection, financing, appraisal), closing date, and earnest money. Use our offer letter guide or have an attorney draft it.
Complete Inspections
Hire a licensed home inspector to evaluate the property. If issues are found, you can negotiate repairs or credits with the seller. Specialized inspections (roof, HVAC, pest) may also be warranted.
Secure Final Mortgage Approval
Work with your lender to complete underwriting, appraisal, and final approval. Respond quickly to any requests for documents and avoid major purchases during this period.
Close on Your Home
Review and sign closing documents prepared by a title company or attorney. Pay your down payment and closing costs. Receive the keys.
Resources for Massachusetts Buyers
Partner services to help you buy without a buyer's agent.