For many hoping to buy a home, saving for a 20% down payment has become a long-term challenge—especially in states like Hawaii and California, where high prices, limited land, and steady cost increases mean it now takes over a decade for typical earners to save enough. As someone who guides buyers through every step in the Massachusetts and Rhode Island markets, I see firsthand how affordability concerns shape decisions. Navigating these realities takes patience, knowledge, and a clear understanding of your options—qualities I bring to each client relationship.
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