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Caught in the Crosshairs? What Triggers Federal Interest in Your Home Sale

Caught in the Crosshairs? What Triggers Federal Interest in Your Home Sale

Caught in the Crosshairs?

What Triggers Federal Interest in Your Home Sale

The Top Red Flags That Could Invite a Closer Look from Washington

Cash, LLCs, or Land Near a Base? You Might Just Be a Target

In today’s security-conscious environment, real estate deals aren’t just between buyers and sellers — they’re being watched, analyzed, and sometimes flagged by federal agencies. And while the average home transaction flies under the radar, certain combinations of factors can put your deal squarely in the government’s crosshairs.

This post outlines the most common red flags that trigger federal interest — not because you’ve done something wrong, but because your transaction fits a high-risk profile.

All-Cash Purchases Over Federal Thresholds

All-cash deals aren’t inherently suspicious — but they circumvent the checks that come with traditional financing. That’s why they’re monitored more closely, especially in certain cities.

Triggers Scrutiny When:

  • Purchase occurs in a FinCEN Geographic Targeting Order (GTO) region (like Boston, Miami, NYC, etc.)
  • Buyer uses an entity (LLC, trust, partnership) rather than a personal name
  • No mortgage or lender involvement, making the source of funds opaque

Check if your city is on FinCEN’s GTO watchlist

Foreign Buyers Purchasing Near Sensitive Locations

If you’re selling land or property near a military base, seaport, or energy facility, and your buyer is a foreign national or foreign-controlled company, your deal may come under review.

Triggers Scrutiny When:

  • Buyer is from a geopolitically sensitive country (e.g., China, Russia, Iran)
  • Property is within 100 miles of a designated sensitive site
  • Transaction lacks full ownership transparency

Learn how CFIUS flags foreign real estate transactions

Use of Shell Companies or Anonymous Trusts

The U.S. government is increasingly focused on beneficial ownership transparency — knowing who is actually behind the deal.

Triggers Scrutiny When:

  • The entity used is registered in a secrecy jurisdiction (Delaware, Cayman Islands, etc.)
  • There is no clear beneficial owner disclosed at closing
  • Documents reference multiple layers of ownership

See how the Corporate Transparency Act impacts real estate deals

Unusual Transaction Patterns or Repeated Flipping

Agencies like the IRS and FBI monitor the real estate market for signs of fraudulent investment behavior or tax evasion schemes.

Triggers Scrutiny When:

  • Property is bought and resold quickly at an inflated price
  • There’s a series of transactions between related parties
  • Funds move between multiple accounts or buyers during closing

FBI tips on recognizing property flipping fraud

Wire Transfers from High-Risk Countries or Banks

Closings often involve multiple wire transfers — but not all financial institutions are treated equally. Some are flagged for lax compliance standards or sanctions risks.

Triggers Scrutiny When:

  • Funds are transferred from offshore accounts with unclear sourcing
  • Transfers pass through non-U.S. banks flagged by the Treasury Department
  • The transfer amount and origin don’t match the buyer’s stated income or citizenship

Check OFAC’s sanctions lists (used by Homeland Security and Treasury)

How to Avoid Red Flags — Without Wrecking Your Deal

You don’t need to avoid cash, trusts, or foreign buyers altogether — but you do need to approach them with transparency and legal oversight.

Here’s how to protect your closing:

  • Use a qualified closing attorney who knows what will raise compliance concerns
  • Disclose beneficial ownership if you’re buying through a business or trust
  • Avoid unusual structuring (like passing ownership through a friend or nominee)
  • Keep clean documentation for funds, identity, and intent

Smart Deals Don’t Get Flagged — They Get Cleared

At The Law Office of David R. Rocheford, Jr., P.C., we know how to structure your closing so that it passes every test — legal, financial, and federal. Whether you’re selling to a foreign buyer or buying with cash, we keep your transaction clean and compliant.

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Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“I would highly recommend David as a closing attorney. I have known David and have been using his office for many years. David’s professionalism when dealing with me, my closing department and most especially my clients has been always exemplary.”
DAVID BREMER

SENIOR LOAN OFFICER, SHAMROCK FINANCIAL SERVICES

“The Law Office of Attorney David R. Rocheford, Jr. is by far the most exceptional real estate law office that I have had the pleasure of working with. The professionalism is by far second to none.”
JACQUI KEOGH

SENIOR LOAN OFFICER, SALEM FIVE MORTGAGE SERVICES

“Attorney David Rocheford has provided settlement and title services for me and Greenpark Mortgage several years. He has assisted all of my clients, including my family and friends with mortgage closings. Always providing excellent service. Reliable and trustworthy!”
SANDRA MALDONADO

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Coastal Closings: Navigating Insurance and Climate Challenges in MA & NH

Coastal Closings: Navigating Insurance and Climate Challenges in MA & NH

Coastal Closings

Navigating Insurance and Climate Challenges in MA & NH

Coastal listings are hot, but insurance and climate risks are heating up too. Here’s what buyers and sellers should know before they close.

Whether you’re dreaming of a Cape Cod cottage or a Portsmouth harbor-view condo, one thing’s clear: coastal real estate is more desirable—and more complicated—than ever. Thanks to rising sea levels, increased storm activity, and skyrocketing homeowners insurance premiums, closing on a coastal property in Massachusetts or New Hampshire now comes with more fine print than a cable contract.

In recent years, insurers have pulled out of high-risk zones or raised premiums sharply. A 2025 Boston Globe analysis reports that some policies have jumped over 30% year-over-year in flood-prone areas (source). Many buyers don’t realize their lender may require additional flood insurance—and those costs can torpedo loan approvals late in the game.

Sellers, take note: updated flood disclosures are a must. And buyers? Pull flood zone data early. Work closely with your real estate attorney to ensure your insurance contingencies and inspection timelines match the new market risks. Climate change might be inevitable, but a last-minute deal collapse doesn’t have to be.

Works Cited

“Climate Risk and Resiliency in the Insurance Sector.” Mass.gov, www.mass.gov/info-details/climate-risk-and-resiliency-in-the-insurance-sector. Accessed 19 May 2025. Mass.gov

“Massachusetts Division of Insurance Joins International Sustainable Insurance Forum.” Mass.gov, 10 May 2022, www.mass.gov/news/massachusetts-division-of-insurance-joins-international-sustainable-insurance-forum. Accessed 19 May 2025. Mass.gov

“The Homeowners Insurance Crisis Has Come to Mass.” The Boston Globe, 27 Jan. 2025, www.bostonglobe.com/2025/01/27/newsletters/starting-point-homeowners-insurance-climate-change/. Accessed 19 May 2025. BostonGlobe.com

“Massachusetts Homeowners Insurance Nonrenewal Rate Is High.” Boston Business Journal, 27 Mar. 2025, www.bizjournals.com/boston/news/2025/03/27/climate-change-home-insurance.html. Accessed 19 May 2025. The Business Journals

“Climate—and a Cautionary Tale of Three New Hampshire Commissioners.” Union of Concerned Scientists, 2023, blog.ucs.org/roger-stephenson/climate-and-a-cautionary-tale-of-three-new-hampshire-commissioners/. Accessed 19 May 2025. The Equation

“Resource Library.” New Hampshire Coastal Adaptation Workgroup, www.nhcaw.org/explore/resource-library/. Accessed 19 May 2025.therpc.org+2nhcaw.org+2Extension | University of New Hampshire+2

“StoryMap Highlights Climate Adaptation Responses of Coastal New Hampshire Residents.” NOAA National Centers for Coastal Ocean Science, 2023, coastalscience.noaa.gov/news/storymap-highlights-adaptation-responses-of-coastal-new-hampshire-residents/. Accessed 19 May 2025. NCCOS

“NHARPC Corner: Rising Seas: Impacting More Than Just the Ebb and Flow of Tides.” New Hampshire Municipal Association, Mar.–Apr. 2018, www.nhmunicipal.org/town-city-magazine/marchapril-2018/nharpc-corner-rising-seas-impacting-more-just-ebb-and-flow-tides. Accessed 19 May 2025. New Hampshire Municipal Association

“Hampton, New Hampshire – Managing the Retreat from Rising Seas.” Georgetown Climate Center, 2020, www.georgetownclimate.org/files/MRT/GCC_20_Hampton-3web.pdf. Accessed 19 May 2025. Georgetown Climate Center

“Crashing Coastal Property Values and the Economic Fallout of Climate Change.” Office of U.S. Senator Sheldon Whitehouse, www.whitehouse.senate.gov/op-eds/crashing-coastal-property-values-and-the-economic-fallout-of-climate-change/. Accessed 19 May 2025. Senator Sheldon Whitehouse

“Climate Change and Insurance in the United States.” Wikipedia, en.wikipedia.org/wiki/Climate_change_and_insurance_in_the_United_States. Accessed 19 May 2025. Wikipedia

“Massachusetts Division of Insurance Annual Home Insurance Report for Calendar Year 2023.” Mass.gov, www.mass.gov/doc/the-2023-massachusetts-market-for-home-insurance/download. Accessed 19 May 2025.

Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“As a realtor, the Rocheford team went above and beyond to make sure my client was not only protected from a legal standpoint but also operated in a timely manner to execute the sale of my client’s dream home.

Thank you for the great experience for myself and my client! Looking forward to our next deal together!”

Viktor Ryan

Realtor®

“I don’t usually use attorneys that often. But if an attorney is needed, I couldn’t recommend this law office enough. I always pride myself on responding quickly to emails and calls, but I was in awe of how fast paralegal Robert Heckman would respond to us. We sold our house a couple months ago and then did a two-part land swap with neighbors and my folks, and both transactions were seamless, including coming in to sign paperwork.

In short, if you need a law office that is responsive and attentive to detail, definitely consider them!”

John P.

Leominster, MA

“Excellent, conscientious and professional.

The communication throughout our Real Estate transaction was better than expected. We thought the fee to be very reasonable considering the work accomplished on our behalf. The law office handled the entire closing without us having to be in attendance….as we requested. I have had experience with very competent lawyers and law firms as the result of my previous profession. I would place this law office right up there among the best in their real estate field of expertise and surprisingly at very reasonable and affordable rates/fees.”

Tom M.

Buzzards Bay, MA

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Top 5 Questions About Real Estate Closings in MA & NH Answered

Top 5 Questions About Real Estate Closings in MA & NH Answered

Top 5 Questions About Real Estate Closings in MA & NH Answered

Got questions about closing day? We’ve got answers—and maybe a few cautionary tales.

Closings may sound simple (just sign and smile, right?), but the details can be anything but. Whether you’re new to buying or have flipped more homes than a pancake house, you probably still have questions. Here are five we hear all the time in both Massachusetts and New Hampshire:

1. How long does the closing process usually take?

In most cases, 30–60 days from contract to close—though title issues, inspections, and lender delays can extend that.

2. Who attends the closing?

Typically: the buyer, their attorney, the seller, their attorney (in MA), the lender, and the title company.

3. Do I need an attorney?

In Massachusetts, yes. In New Hampshire, it’s strongly recommended.

4. What happens if there’s a title issue? 

The closing is paused until it’s resolved—so get a title search early.

5. When do I get the keys? 

Usually, once funds are disbursed and the deed is recorded.

From timelines to title hiccups, your real estate attorney helps decode the process—and make sure there are no unpleasant surprises. Need a smooth closing? Work with experienced professionals who can answer the questions you didn’t think to ask.

Usually, once funds are disbursed and the deed is recorded.

Works Cited

“Attorney Role in Massachusetts Real Estate Closings.” Massachusetts Real Estate Law Blog, 2023, www.massrealestatelawblog.com/attorney-role-in-massachusetts-real-estate-closings. Accessed 19 May 2025.

“Buying a Home in New Hampshire.” New Hampshire Association of Realtors®, www.nhar.org/buying-a-home. Accessed 19 May 2025.
“Closing Process in Massachusetts.” American Land Title Association, www.alta.org/consumer-information/massachusetts-closing-process. Accessed 19 May 2025.

“Do You Need a Lawyer at Closing in New Hampshire?” Rocket Lawyer, www.rocketlawyer.com/real-estate/buy-sell-property/legal-guide/do-you-need-a-lawyer-at-closing-in-new-hampshire. Accessed 19 May 2025.

“Real Estate Transactions: Massachusetts.” Legal Information Institute, Cornell Law School, www.law.cornell.edu/wex/real_estate_transactions_massachusetts. Accessed 19 May 2025.

 

Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“As a realtor, the Rocheford team went above and beyond to make sure my client was not only protected from a legal standpoint but also operated in a timely manner to execute the sale of my client’s dream home.

Thank you for the great experience for myself and my client! Looking forward to our next deal together!”

Viktor Ryan

Realtor®

“I don’t usually use attorneys that often. But if an attorney is needed, I couldn’t recommend this law office enough. I always pride myself on responding quickly to emails and calls, but I was in awe of how fast paralegal Robert Heckman would respond to us. We sold our house a couple months ago and then did a two-part land swap with neighbors and my folks, and both transactions were seamless, including coming in to sign paperwork.

In short, if you need a law office that is responsive and attentive to detail, definitely consider them!”

John P.

Leominster, MA

“Excellent, conscientious and professional.

The communication throughout our Real Estate transaction was better than expected. We thought the fee to be very reasonable considering the work accomplished on our behalf. The law office handled the entire closing without us having to be in attendance….as we requested. I have had experience with very competent lawyers and law firms as the result of my previous profession. I would place this law office right up there among the best in their real estate field of expertise and surprisingly at very reasonable and affordable rates/fees.”

Tom M.

Buzzards Bay, MA

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Gen Z Homebuyers: Small in Numbers, Big in Determination

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They may represent just 3% of all buyers, but Gen Z is determined to change the game. Armed with FHA loans, side hustles, and family support, these resourceful buyers are targeting affordable regions — not Boston, but places like Grand Rapids and Salt Lake City. In...

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Once upon a time, the path to homeownership started in your late 20s. Today, the median age of a first-time buyer has climbed to 38 — the highest in U.S. history. In Massachusetts and New Hampshire, where prices remain high and incomes haven’t kept pace, first-time...

Understanding the Proposed “Mansion Tax” in Massachusetts

Understanding the Proposed “Mansion Tax” in Massachusetts

Understanding the Proposed "Mansion Tax" in Massachusetts

Million-dollar listings could soon carry a little extra baggage. Here’s what the proposed MA "Mansion Tax" really means.

If your clients are selling a home north of the $1 million mark, they may want to read the fine print twice. Massachusetts is considering a new “mansion tax”—a local-option transfer fee targeting high-end residential sales. While the name sounds exclusive, the impact could reach well beyond lavish estates.

Overview of the Proposed Transfer Fee

The plan would allow cities and towns to impose a real estate transfer fee of 0.5% to 2%, applied only to the portion of a property sale exceeding $1 million or the county’s median home price—whichever is higher. Municipalities could choose whether to adopt it. Proceeds would be earmarked for local affordable housing initiatives.

Legislative Developments

The idea has backing from Governor Maura Healey and major city leaders like Boston Mayor Michelle Wu, who view it as a vital tool in addressing Massachusetts’ growing housing affordability crisis. However, in June 2024, the State Senate removed the transfer fee provision from its version of the broader housing bond bill. Lawmakers expressed interest in evaluating existing tools—such as the Community Preservation Act—before introducing new taxes. As of now, the measure’s fate remains undecided in the House–Senate negotiations.

Economic Considerations

While the fee could raise an estimated $384 million annually for housing programs, researchers from the Wharton School of Business and other institutions caution there may be unintended consequences. Critics argue it could depress high-end home values, slow transaction volume, and ultimately reduce total real estate tax revenue—undermining some of the bill’s goals.

Public Discourse

Supporters argue the measure is narrowly targeted, flexible for local governments, and addresses a pressing need for more affordable housing units. Opponents, including many in the real estate industry, raise concerns about market distortion, added costs for sellers, and negative ripple effects in already sensitive local economies.

While this is still a proposed policy, not law, it’s a live issue. Realtors®, attorneys, and high-end property owners should keep close tabs on legislative updates. If it passes, the transfer fee could change how luxury listings are priced and negotiated—especially in markets where the median home price is already brushing that $1 million mark.

Works Cited

Bloomberg News. “Massachusetts Eyes Mansion Tax to Fund Affordable Housing.” Bloomberg, 6 May 2024, www.bloomberg.com/news/articles/2024-05-06/massachusetts-eyes-mansion-tax-to-fund-affordable-housing. Accessed 19 May 2025.

Dumcius, Gintautas. “Senate Unveils Housing Plan with No Real Estate Transfer Tax.” Commonwealth Beacon, 24 June 2024, commonwealthbeacon.org/housing/senate-unveils-housing-plan-with-no-real-estate-transfer-tax. Accessed 19 May 2025.

Enwemeka, Zeninjor. “Mass. Senate Unveils $5 Billion Housing Bill, Killing Hopes for Transfer Tax.” WGBH News, 24 June 2024, www.wgbh.org/news/politics/2024-06-24/mass-senate-unveils-5-billion-housing-bill-killing-hopes-for-transfer-tax. Accessed 19 May 2025.

Wachter, Susan M., et al. “Economic Impacts of a Real Estate Transfer Tax in Massachusetts.” Zell/Lurie Real Estate Center, The Wharton School, University of Pennsylvania, May 2024, realestate.wharton.upenn.edu/wp-content/uploads/2024/06/MA_RETT_May2024-1.pdf. Accessed 19 May 2025.

Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“As a realtor, the Rocheford team went above and beyond to make sure my client was not only protected from a legal standpoint but also operated in a timely manner to execute the sale of my client’s dream home.

Thank you for the great experience for myself and my client! Looking forward to our next deal together!”

Viktor Ryan

Realtor®

“I don’t usually use attorneys that often. But if an attorney is needed, I couldn’t recommend this law office enough. I always pride myself on responding quickly to emails and calls, but I was in awe of how fast paralegal Robert Heckman would respond to us. We sold our house a couple months ago and then did a two-part land swap with neighbors and my folks, and both transactions were seamless, including coming in to sign paperwork.

In short, if you need a law office that is responsive and attentive to detail, definitely consider them!”

John P.

Leominster, MA

“Excellent, conscientious and professional.

The communication throughout our Real Estate transaction was better than expected. We thought the fee to be very reasonable considering the work accomplished on our behalf. The law office handled the entire closing without us having to be in attendance….as we requested. I have had experience with very competent lawyers and law firms as the result of my previous profession. I would place this law office right up there among the best in their real estate field of expertise and surprisingly at very reasonable and affordable rates/fees.”

Tom M.

Buzzards Bay, MA

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Once upon a time, the path to homeownership started in your late 20s. Today, the median age of a first-time buyer has climbed to 38 — the highest in U.S. history. In Massachusetts and New Hampshire, where prices remain high and incomes haven’t kept pace, first-time...

How to Prevent Delays at the Closing Table: Lessons from Recent MA & NH Transactions

How to Prevent Delays at the Closing Table: Lessons from Recent MA & NH Transactions

How to Prevent Delays at the Closing Table:

Lessons from Recent MA & NH Transactions

Closings should be the fun part — popping champagne, handing over keys, and celebrating the finish line. But anyone in real estate or lending knows that even the smoothest transaction can hit a snag at the eleventh hour. From unsigned documents to overlooked municipal requirements, the final stages of a home loan closing in Massachusetts and New Hampshire can turn from celebration to chaos quickly.

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Here are some common culprits behind last-minute delays and what loan processors, Realtors®, and mortgage teams can do to keep things on track.

Smoke Certificates & Local Requirements (Massachusetts Specific)

In Massachusetts, sellers are responsible for obtaining a smoke and carbon monoxide detector certificate from the local fire department before closing. But fire departments don’t always have next-day appointments — and some towns have inspection backlogs.

Solution: Schedule inspections early in the process. Share this state smoke alarm compliance guide with sellers and keep your transaction timeline padded.

Title Surprises

A missing mortgage discharge or a surprise lien can halt everything. These issues are especially common with older properties, estate sales, or refinances. Even unpaid water bills in NH can delay closings.

Solution: Have the title attorney conduct a thorough title search early, and follow up on payoff letters or missing discharges well before the closing date.

Funds Not Cleared or Missing Documentation 

Sometimes buyers assume that a wire transfer or certified check guarantees immediate access. Not always. Banks may hold large deposits, and underwriters may require additional documentation — right at the finish line.

Solution: Prep buyers on timelines for cleared funds and triple-check lender requirements ahead of the final week.

“Surprise” Repairs or Walkthrough Issues 

If a final walkthrough reveals an incomplete repair or unexpected damage, it can cause stress and even stall the closing.

Solution: Set a walkthrough 24–48 hours before closing, not the morning of. This allows time to resolve any issues or negotiate credits.

Missing People 

Closings can’t happen without the right people — including sellers, buyers, and notaries. In the age of remote work and travel, someone’s vacation can mean a reschedule.

Solution: Confirm everyone’s availability well in advance and plan for powers of attorney or remote notarization when allowed (and legal — more on that in a future blog!).

Real Estate Closings Done Right — Every Time.

At The Law Office of David R. Rocheford, Jr., P.C., we’ve seen nearly everything that can go wrong at a closing. And more importantly — we know how to make it go right.

REFERENCES

Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“As a realtor, the Rocheford team went above and beyond to make sure my client was not only protected from a legal standpoint but also operated in a timely manner to execute the sale of my client’s dream home.

Thank you for the great experience for myself and my client! Looking forward to our next deal together!”

Viktor Ryan

Realtor®

“I don’t usually use attorneys that often. But if an attorney is needed, I couldn’t recommend this law office enough. I always pride myself on responding quickly to emails and calls, but I was in awe of how fast paralegal Robert Heckman would respond to us. We sold our house a couple months ago and then did a two-part land swap with neighbors and my folks, and both transactions were seamless, including coming in to sign paperwork.

In short, if you need a law office that is responsive and attentive to detail, definitely consider them!”

John P.

Leominster, MA

“Excellent, conscientious and professional.

The communication throughout our Real Estate transaction was better than expected. We thought the fee to be very reasonable considering the work accomplished on our behalf. The law office handled the entire closing without us having to be in attendance….as we requested. I have had experience with very competent lawyers and law firms as the result of my previous profession. I would place this law office right up there among the best in their real estate field of expertise and surprisingly at very reasonable and affordable rates/fees.”

Tom M.

Buzzards Bay, MA

Recent News

Lender Playbook: How to Reach the New Generation of Homebuyers

Lender Playbook: How to Reach the New Generation of Homebuyers

First-time buyers now account for 58% of agency purchase lending, and Gen Z makes up a growing 25% of those loans. But winning their business requires a fresh approach: digital-first experiences, alternative credit scoring, and tailored loan products. For mortgage...

Gen Z Homebuyers: Small in Numbers, Big in Determination

Gen Z Homebuyers: Small in Numbers, Big in Determination

They may represent just 3% of all buyers, but Gen Z is determined to change the game. Armed with FHA loans, side hustles, and family support, these resourceful buyers are targeting affordable regions — not Boston, but places like Grand Rapids and Salt Lake City. In...

Why Fewer First-Time Buyers Are Entering the Market in MA & NH

Why Fewer First-Time Buyers Are Entering the Market in MA & NH

Once upon a time, the path to homeownership started in your late 20s. Today, the median age of a first-time buyer has climbed to 38 — the highest in U.S. history. In Massachusetts and New Hampshire, where prices remain high and incomes haven’t kept pace, first-time...

2025 Real Estate Trends: What Buyers and Sellers Need to Know in Massachusetts and New Hampshire

2025 Real Estate Trends: What Buyers and Sellers Need to Know in Massachusetts and New Hampshire

2025 Real Estate Trends

WHAT BUYERS AND SELLERS NEED TO KNOW IN MASSACHUSETTS AND NEW HAMPSHIRE

The real estate market is always shifting, and 2025 is shaping up to be no different. Whether you’re buying your first home or selling your fifth, staying informed on emerging trends can help you make smarter decisions. Here’s what to watch for in Massachusetts and New Hampshire this year:

AI in Real Estate: Smarter Searches, Faster Decisions

Artificial intelligence isn’t just for sci-fi movies anymore. In 2025, AI-powered tools are taking center stage in real estate. Automated property valuations, predictive analytics, and smart contract systems are helping both buyers and sellers make better-informed decisions.

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Check out Zillow’s AI-powered Zestimate tool for automated property valuations.

Remote Closings and Digital Notarization: Convenience at Your Fingertips

Gone are the days of scrambling to find a babysitter or leaving work early to sign documents in person. With digital notarization and remote closings gaining popularity, finalizing a real estate transaction can often be done from the comfort of your couch.

Note: Remote closings are determined by state and local allowances, please defer to your Closing Attorney for any questions regarding the closing process and options.

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Learn more about secure e-closings with Notarize.com.

Eco-Friendly Features in Demand

Today’s buyers are increasingly prioritizing sustainable living. Homes with solar panels, energy-efficient windows, and improved insulation are becoming top contenders. In New England’s chilly winters, these upgrades can mean real savings (and warmer toes).

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Explore energy-saving home upgrades at Energy Star’s Home Improvement Resources.

Market Shifts in Coastal Areas

With rising insurance costs and climate risks, coastal properties in Massachusetts and New Hampshire may see shifts in demand. Buyers are becoming more cautious, and sellers are exploring ways to make their properties more resilient.

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 See how FEMA’s Flood Map Service Center helps homeowners assess flood risks.

Tips for Navigating a Competitive Market

If you’re buying in 2025, expect some competition. Here’s how to stand out:

  • Get pre-approved for your mortgage to show sellers you’re serious.
  • You can choose a trusted closing attorney to work with ensuring your paperwork is airtight.
  • Don’t skip the home inspection, even in a bidding war—it’s your best defense against post-closing surprises.

For sellers: Highlight energy-efficient upgrades, emphasize flexible spaces like home offices, and work with an experienced real estate attorney to ensure a smooth closing process.

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Stay Ahead of the Curve

The 2025 real estate landscape may feel unpredictable, but with the right guidance, you can confidently navigate the market. Whether you’re buying or selling in Massachusetts or New Hampshire, The Law Office of David R. Rocheford, Jr. P.C. is here to help ensure your closing process goes smoothly.

Ready to take control of your closing experience? Contact us today to learn more about your rights and how we can help you through the process.

Providing title, escrow, closing and settlement services to clients throughout Massachusetts and New Hampshire

From Our Clients

“I would highly recommend David as a closing attorney. I have known David and have been using his office for many years. David’s professionalism when dealing with me, my closing department and most especially my clients has been always exemplary.”
DAVID BREMER

SENIOR LOAN OFFICER, SHAMROCK FINANCIAL SERVICES

“The Law Office of Attorney David R. Rocheford, Jr. is by far the most exceptional real estate law office that I have had the pleasure of working with. The professionalism is by far second to none.”
JACQUI KEOGH

SENIOR LOAN OFFICER, SALEM FIVE MORTGAGE SERVICES

“Attorney David Rocheford has provided settlement and title services for me and Greenpark Mortgage several years. He has assisted all of my clients, including my family and friends with mortgage closings. Always providing excellent service. Reliable and trustworthy!”
SANDRA MALDONADO

Recent News

Lender Playbook: How to Reach the New Generation of Homebuyers

Lender Playbook: How to Reach the New Generation of Homebuyers

First-time buyers now account for 58% of agency purchase lending, and Gen Z makes up a growing 25% of those loans. But winning their business requires a fresh approach: digital-first experiences, alternative credit scoring, and tailored loan products. For mortgage...

Gen Z Homebuyers: Small in Numbers, Big in Determination

Gen Z Homebuyers: Small in Numbers, Big in Determination

They may represent just 3% of all buyers, but Gen Z is determined to change the game. Armed with FHA loans, side hustles, and family support, these resourceful buyers are targeting affordable regions — not Boston, but places like Grand Rapids and Salt Lake City. In...

Why Fewer First-Time Buyers Are Entering the Market in MA & NH

Why Fewer First-Time Buyers Are Entering the Market in MA & NH

Once upon a time, the path to homeownership started in your late 20s. Today, the median age of a first-time buyer has climbed to 38 — the highest in U.S. history. In Massachusetts and New Hampshire, where prices remain high and incomes haven’t kept pace, first-time...