BUYERS - PREPARING TO SHOP

Explore the East End, town center, West End, and Beach Forest area. Consider how you want to experience Provincetown: walking to restaurants and shops, spending time at the beach, enjoying a quieter setting, or having convenient access to trails.

Think about parking, seasonal activity, and how the location will work for your everyday life.

Look beyond the purchase price. Your budget should account for:

• Property taxes and insurance.
• Condominium fees, if applicable.
• Utilities and ongoing maintenance.
• Existing or anticipated special assessments.
• Closing costs and initial improvements.

If you’re financing, your lender can help you estimate your monthly payment and the cash you’ll need to close.

Separate your must-haves from your preferences. Consider bedrooms, outdoor space, parking, stairs, pet policies, storage, and accessibility.

Let me know whether you’re purchasing a primary residence, vacation home, or property you hope to rent. We’ll investigate the rules and restrictions that could affect your intended use.

Speak with a lender before you begin shopping seriously. Understand your price range, the estimated payment, and the funds required for your down payment and closing costs.

Ask what financial information the lender has reviewed and what remains subject to approval. Have a current lender letter ready to accompany an offer.

A lender familiar with Provincetown can make a significant difference during offer negotiations and loan processing.

Our market includes unusual properties and condominium arrangements that may not fit standard lending guidelines. Some national lenders may struggle with these details, particularly when a loan must meet requirements for sale into the secondary market.

An experienced local lender can identify potential issues early, explain suitable financing options, and help keep the transaction moving. You’ll find three lending contacts in the Local Providers section.

For a cash offer, have a recent bank statement or financial institution letter available showing sufficient funds for the purchase.

If you’re financing, be prepared to document the funds for your down payment and closing costs. Redact account numbers and unrelated sensitive information from copies provided with an offer.