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1-617-800-6009

更懂您的定制化地产服务商

做更有主人翁意识的Agent

完善的闭环服务

全面的出租管理

您可能在波士顿地区工作了若干年——我们的同事,同龄人;

您可能是在大波士顿地区读书的学生——我们的学弟学妹;

我们更懂您的需求和想法,为您提供贴心的定制化地产服务。

The Ripple Realty Group is founded by a group of international student real estate agents, who graduated from Brandies University, Boston University, and so on, with years of experience in the Great Boston real estate market. Our team takes “standing on the homeowner’s shoes and to be the most thoughtful real estate agent” as the motto and provides high-end customized real estate services.

Buying or selling a home can be stressful. You may encounter various problems during the actual real estate transaction. If you have any concerns, please feel free to contact the Ripple Realty Group, our agents are at your service. A caring and responsive agent is able to give clients the edge they need as soon as possible, simplify your home buying process, and ensure that houses are traded on time. Our team knows how to step inside the client’s story. We are going to be friends, and your satisfaction is and always will be our number one priority.

Ripple Xiao 管理团队

景行博汇 · 波乐居地产管理合伙人,具有近十年美国地产市场分析与投资经验,拥有上海财经大学国际会计本科学位,美国布兰迪斯大学金融硕士学位,在攻读硕士期间跟随教授系统研究了美国房地产,历任于普华永道审计部,道富银行投资分析师,甲骨文财务分析师。拥有麻省以及加州地产经纪人执照。Ripple 始终以主人翁意识要求自己,工作中积极热情,反应速度快,执行力极强。

微信号: ripple593983255

电话:+1-617-800-6009

邮箱:[email protected]

Stella Zhou

景行博汇 · 波乐居地产管理合伙人,深耕多年麻省地产行业,对于买房卖房和房屋租赁管理有着丰富的经验。毕业于南京大学生命科学系,曾任职哈佛大学医学院,从事数据分析与实验室管理,擅长于靠逻辑和理性分析解决地产相关问题,以客观冷静的态度和主人翁视角想客户之所想,解决切实疑问。

微信号: leaf-321

电话:+1-571-376-1378

邮箱:[email protected]

为客户提供高端定制化的地产咨询和经纪服务是整个景行博汇 · 波乐居地产团队的宗旨,欢迎添加微信公众号了解更多麻省地产知识

Chuan tian

波乐居地产数据分析师,具有十余年创业经验,专长于预测市场趋势,把握企业方向,找寻客户痛点。拥有清华大学电子工程系本科学位、波士顿大学计算机工程硕士学位,擅长利用数据分析手段分析宏观趋势和房产细节。同时作为智能家居行业专家,对于地产行业发展有独特见解,并对波士顿地产如数家珍。

微信号: chuantian

电话:+1-857-272-6460

邮箱:[email protected]

为客户提供高端定制化的地产咨询。。。

微信公众号:bostonhonglingjin

邮箱:[email protected]

We are going to analyze your needs and overall situation

House Buying Process
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1.  Know Your Goals  
Ready for a forever home? For investment? Last-minute job transfer? Baby on the way? It is critically important to know your wishes, goals, and needs. By understanding my client's goals, must-haves, and timelines right up front we can guide them through the home selling or buying process. For example, when you’re house hunting with children, you’ll probably want to consider buying your home in a high-ranking school district, and Single Family may be a better choice. When it comes to finding a home for new graduates, buyers prefer a Condo close to work. When buying an investment property, not only do you have to consider the mortgage and the operating costs, but you also have to think about the tenants, cash flow, and appreciation. As a first-time buyer, if you’re feeling overwhelmed trying to understand the process of buying your home, we can help make sense of the home buying journey. Please feel free to contact us at any time with questions. The Ripple Realty Group will introduce suitable areas and houses for you depending on your requirements.
2.  Determine How Much Home You Can Afford, Get Pre-Approval Letter   
The housing market in Massachusetts is hot. An unprecedented shortage of available homes for sale means many properties often see multiple offers. With any home purchase, the first thing you’ll need to do is get approved for your mortgage so you know exactly how much you can spend. A mortgage Pre-Approval Letter is used to let sellers know that you will be able to afford the home. While someone may be preapproved for a loan, it does not mean that they get a loan right away. If you’re buying a home in cash, you will need to prove that you have the funds to do so. It will be more difficult for the Chinese to get approved for a mortgage in the United States. The Boston HONGLINGJIN team can help you to find out which mortgage loan lender suits you the best, according to your background information, such as your VISA and income. We will help you to get an approval letter fast so you can get out there and start shopping.
3.  Take An In-Depth Look At The Home  
We will help you to search properties listed in your area, and narrow down your search to houses you’re truly interested in; We will tour each house with you, and make sure each home meets your needs, and answer all your questions. At the same time, we will also create an automatic search account for you in the broker's housing system, and the system will email you all the available homes in your area and narrow down your search by your own criteria. When you find the ideal house, we will contact the seller’s broker to schedule a visit for you. It’s also important to evaluate the neighborhood and make a note of the little details of each house. We can provide you with helpful information on houses and neighborhoods that might be neglected.
4.  Make an offer  
When you find the right house, move fast. Delays can be deal killers. We will help you to negotiate a fair offer based on the value of comparable homes in the same neighborhood. The buyer’s agent will gather all of your supporting documentation, and deliver your offer to the seller through the seller’s agent. The seller will make decisions about how offers will be presented and dealt with. The listing broker represents the seller to respond to the buyer’s agent. The whole process requires the buyer's broker to react quickly and proactively when they communicate with the seller's broker. Sometimes asking for more information can even change the result in a sale. The Boston HONGLINGJIN team will help you structure a winning offer for less money.
5.  Home Inspection  
After your offer is accepted, you should arrange for a home inspection to be completed. You’ll want to hire a professional, third-party home inspector to examine the home you’re preparing to buy, and the inspector will give you a list of problems they found in the home. When you receive your inspection results, go over each item and look for major issues. If significant repairs are needed, you can request that the seller complete them before closing. If you can’t reach an agreement, you may want to move on and consider other options. The negotiation process is completed by the buyer and seller’s broker and the buyer and seller.
6.  Purchase & Sales Agreement  
When the seller accepts your offer, you’ll meet with your real estate agent and complete the Purchase & Sales Agreement together. A purchase agreement is a contract between a seller and a buyer that lays out the terms of the home sale. Signing a Purchase & Sales Agreement is a crucial step. A real estate purchase agreement legally binds a buyer and a seller into a home sale. The buyer needs to pay 5% of the total house price as a deposit on the day the agreement is signed. It is critical to have an attorney look over your offer. The Ripple Realty Group team will recommend reliable and responsible attorneys to you, and fully protect your rights and interests. We will help you throughout the process: how to communicate with an attorney, and how to make amendments to the terms. Make sure anything is agreed upon before signing.
7.  Prepare Your Finances  
It takes 4-6 weeks on average to just close on a home. The most important thing during the process is to get your finances in order. The Pre-Approval Letter we mentioned above is only the first step in the home buying process and it is not a guaranteed loan offer. Getting a loan is the riskiest part of the process to buy a house. If the buyer’s mortgage does not go through, it can also kill a deal. Therefore, it is very important to have a responsible broker/agent to help you complete the loan application, provide relevant information, and keep track of what’s happening during the loan approval process. The Ripple Realty Group team can help set you up for a smooth home buying experience, as well as give your offer a little extra leverage and make sure you get approved for a loan.
8.  Close On Your New Home  
By the time closing comes around, you don’t usually have to do much else besides sign some papers and get your keys. For example, get the documents from building management committees, Estate tax forms, and smoke certificates. The Ripple Realty Group team will gather all materials needed and help the process go more smoothly.
9.  Do A Final Walkthrough  
Do a final walkthrough in your new house before you close. This time allows you to check and make sure that the seller has made the repairs you requested and cleared out the property. You’ll sign a settlement statement, which lists all costs related to the home sale. These closings will often occur in the attorney's office. This is when you pay your down payment and closing costs. Finally, you’ll sign the mortgage or deed of trust to secure the mortgage note. The buyer’s attorney will ensure that the ownership is transferred properly. After closing finishes, you’re officially a homeowner. Congratulations!
FAQ
1.  Why Should Hire an Agent When Buying a Home?
Housing is in short supply: Demand is high and inventory is low in Massachusetts's real estate scene. An agent with fast response and execution could help clients to purchase a dream house faster. In the United States, you don't need to add anything in for the agents' pay as a buyer. The seller is responsible for seeing that the agents involved receive their payment. The buyer’s agent can serve as a guide, pointing you in the right direction, answering all kinds of questions, providing more available listings, giving more professional advice when touring a home, helping you negotiate the price with the seller, providing assistance in loan, controlling all the buying process until close on your home successfully. Additionally, the Boston HONGLINGJIN team provides Lifelong Service, which means you can also ask any questions any time after moving in.
2.  What costs are buyers responsible for, except the purchase price?
Besides the purchase price, the buyer typically pays for property-related fees including the closing attorney fees, appraisal fees, rundown recording fees, title insurance fees, home inspection fees, loan-related fees, and recording fees.
3.  What are the expenses after buying a house?
After you close on your home, in addition to the utility fees (water, electricity, gas) utility, there are two common ongoing costs:
(1)  Property Tax (Real Estate Tax):In the United States, property tax is calculated by a local government where the property is located and paid by the owner of the property annually. Generally, the property tax rate is expressed as a percentage from 0.5% to 2%, and the property tax is based upon prevailing local real estate market conditions. Cities and towns may give property tax exemptions to some individuals.
(2)  HOA Fees (Homeowners Association Fee):HOA fees are levied on condominium owners. HOA fees vary widely depending on the property location and the amenities available to property owners. Larger residences in an HOA sometimes pay more than smaller ones. Most single-family homes do not have HOAs.
4.  What are the tax benefits of homeownership?
You can deduct mortgage interest, property taxes, and other expenses up to specific limits if you itemize deductions on your tax return. Please feel free to consult the Boston HONGLINGJIN team about it.
Acton
Allson/Brighton
Back Bay/Beacon Hill
Belmont
Brookline
Burlington
Cambridge
Downtown
Fenway/Kenmore
Lexington
Malden
Medford
Newton
North End
Quincy
Somerville
Waltham
Watertown
Wellesley
Weston
Winchester
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Ripple Realty Group provides considerate sales agency services. A full set of services of the real estate industry allows you to live the most comfortable life while making the least effort!

House Selling
The selling of a house does not happen overnight. In the United States, almost all sellers will hire a broker to help them complete the entire transaction. First of all, the broker can provide housing transaction records in the same area in recent years, give suggestions, and help you determine the target price. After that, the agent will take pictures of the house. Ripple Realty Group will provide photographers. The high-quality photos taken by a skillful expert with professional equipment will attract more buyers to come to see the house.
Next, the broker will usually arrange an Open House. On the day of the visit, the broker will answer the buyer’s questions onsite and give out the house information. Under most situations, it has less opportunity to receive satisfactory bids immediately after the open house day. However, in a considerable period of time afterward, it will receive lots of house inspection requestion now and then. The Ripple Realty Group will coordinate the schedule and be present when the buyers come to visit the house, answering questions, turning off the lights, cleaning everything up after the visit.
In the matter of choosing a suitable buyer, the broker will remind you of the relevant matters that need to be paid attention to. After all, the most important thing is to choose a buyer who is in a good financial situation to ensure the property transaction can be closed on time and screen out the ones who have the risks of getting the loan. Otherwise, you may need to afford extra loan interest, and may even affect your next house purchase.
After accepting the offer, the buyer may make various requirements after the house inspection. The Ripple Realty Group will negotiate with the buyer’s agent on your behalf and advise you on which requirements are reasonable and which are unreasonable. At the same time, the broker will deposit the purchase deposit into a third-party escrow account. At this point, the broker will maintain close communication with the lawyer to ensure that your rights and interests as a seller are maxima guaranteed, and ensure you will get proper compensation when the buyer breaches the contract.
There are usually 4-6 weeks from the signing of the sale and purchase contract to the final trading day. The broker will help you prepare all the necessary documents and will answer many questions from the buyer at any time. In addition, the Ripple Realty Group will stay tuned on the buyer on the progress of its loan, and respond in a timely manner to ensure the smooth completion of the transaction and avoid unnecessary losses.
FAQ
What procedures require the house owner have to be present?
After hiring a responsible seller's broker, there is no procedure that requires the landlord to be present in person. Your broker will assist you to deal with everything and nothing will affect your daily work and life at all. Even on the property rights transferred day, the house owner can choose to hand over a sighed document to the lawyers in advance without attending. The keys and related other stuff will be handover to the buyer’s lawyer by the broker. Your broker will help you deal with everything and will not affect your normal work and life. Even on the day of the transfer of property rights, you can also choose to hand over the signed documents to the lawyer in advance instead of attending, and the key and other related goods brokers will forward them to the buyer's lawyer.

For you who may not stay in Boston for the long term, we provide an entire set of rental management services to save you from further worries.

Rental Process
The Ripple Realty Group provides an entire set of rental services for the house owner. As the house owner, you have no need to show up in person during the entire leasing process. We will take care of all the annoying details such as taking profile pictures of the house, publishing leasing information on the agent’s rental system and major leasing platforms, arranging the time for all tenants to come to visit the house, and then pre-screen the suitable tenants and send the result to you for making the final decision. After that, we will assist to prepare the lease contract and make sure both parties have signed on it. We will also guide you to open a deposit escrow account and hand over the keys to the tenant for you. It should be noted that Massachusetts has many regulations for leasing, including the treatment of lead poison in the house, various rights enjoyed by tenants, etc. Further, the house owner might be involved in discrimination issues by accident. Therefore, it is very necessary to have an expert to help you manage this process so that you can enjoy the return of investment of the house with less effort and without worries.
House Management
In Massachusetts, the responsibility for the maintenance of the house is always borne by the homeowner. When the tenant makes a maintenance request, the homeowner cannot shirk and should send someone to solve it as soon as possible to avoid affecting the daily life of the tenant and causing unnecessary complaints. Ripple Realty Group can help you manage leasing properties, help you deal with tenants' problems and requirements, as well as handle various bills.
FAQ
As homeowners, do we need to afford the leasing agency fee?
The trend of the Massachusetts leasing market is that more and more agency fees of rental properties were paid by tenants. However, we will still suggest you cover half of the agency fees to reduce the tenant’s burden if your property is in a disadvantaged position of leasing.
北京波乐居信息咨询有限公司   Ripple Realty Group, LLC