(774) 232-7101 Talk to John

Homes, multifamily and commercial. In Worcester.

I’m John Chalino, a real estate agent with REMAX Partners. What are you planning next?

Buying your first home? Start here

Talk to John

Homes, 2-4 families or commercial. Which is yours?

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On the market

Current listings.

Homes, multifamily buildings and commercial property. See what is available, then talk to me about your next step.

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Find your next property.

Browse current properties on my REMAX site, or tell me what you are looking for. I can help with residential and commercial property.

Browse John’s REMAX site Contact John

REMAX Partners, 164 Harding St., Worcester, MA 01604, (508) 635-1600. Towns served: Worcester, Shrewsbury, Auburn, Millbury, Holden and Westborough, MA. Privacy policy

Six steps from here to your keys.

Talk to John

  1. Talk it through

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    By phone or in person, we go over:

    • Your budget
    • The towns you like
    • When you hope to buy
    • Your must-haves

    Talking needs no agreement. You sign one before you tour a home.

    I speak English and Arabic.

    Buyer agreement rules: NAR settlement FAQ.

  2. Get pre-approved

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    Pre-approval: how much you may borrow.

    • A lender checks your income, debts, down payment and credit.
    • You get a letter with the amount.
    • It helps you shop. It is not a promise of a loan.

    Pre-approval: Mass. Division of Banks and CFPB.

  3. Tour homes

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    Before the first tour we sign a buyer agreement. It sets what I’m paid. You can ask the seller to pay it.

    I point out what to check in an older house. 59% of Worcester homes were built before 1960.

    Buyer agreement rules: NAR settlement FAQ. Homes built before 1960: Worcester Regional Research Bureau, May 2026.

  4. Make an offer

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    An offer: your price, in writing.

    • I back your offer price with recent sales nearby.
    • In Massachusetts a signed offer is a contract, so have an attorney read it before you sign.
    • A small deposit usually goes with it.

    Offers: Mass. Division of Banks.

  5. Inspect and sign

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    • Inspection: an expert checks the house. Then you get time to decide.
    • Built before 1978? You get a lead paint notice and 10 days to test for lead.
    • Purchase and sale agreement (P&S): the final contract. Attorneys usually write it.

    Lead paint notice: Mass.gov. Time to decide: Mass. inspection rule. P&S: Mass. Division of Banks.

  6. Close and get keys

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    Closing: the home becomes yours.

    • Your final costs, in writing, 3 business days before closing.
    • The lender’s attorney must take part. Yours can too.
    • Usually, one last walk through the home.

    I see the deal through inspection, financing and closing.

    Final costs: CFPB. Closing attorneys: Mass.gov.

Talk to John

You bring more than the down payment.

Down payment

At $470,000 with 5% down, your down payment is $23,500. Closing costs are about $9,500 to $23,500. You bring about $33,000 to $47,000.

Down payment
$23,500
Closing costs
about $9,500 to $23,500
Cash to bring
about $33,000 to $47,000

There is help

Price: Redfin, City of Worcester median house price, $471,369, August 2026. Tax: Massachusetts Department of Revenue, Worcester home rate, fiscal 2026, $13.28 per $1,000 of assessed value. Closing costs, 2% to 5%: CFPB.

How I’m paid

We agree on my pay in writing before you tour a home, even by video.

  • One set amount: a flat fee or a percent of the price, never a range.
  • No law sets it. You and I agree on it.
  • You can ask the seller to pay some or all of it, in your offer.
  • I can’t be paid more than it says, no matter who pays.
  • If you pay it, it can’t go into your loan.

Read it and ask me anything.

Buyer agreement rules since August 17, 2024: NAR settlement FAQ.

What are closing costs?
  • Fees to finish the sale: usually 2% to 5% of the price, on top of your down payment.
  • Some are bills paid early, like home insurance.
  • Your lender’s Loan Estimate form shows the total.
  • Sellers can agree to pay some.

Closing costs: 2% to 5% of the price, CFPB.

Each month, you pay more than the loan.

  • Loan payment: on the Loan Estimate your lender sends after you apply.

  • Property tax: about $520 a month at $470,000. Worcester’s yearly rate: $13.28 per $1,000.

  • Home insurance: get a quote. Many lenders add it to your payment.

  • Mortgage insurance: often required under 20% down. Protects the lender. It can end later.

  • Condo fee: only if you buy a condo.

No loan payment here. Your lender sets it, with your rate.

Price: Redfin, City of Worcester median house price, $471,369, August 2026. Tax: Massachusetts Department of Revenue, Worcester home rate, fiscal 2026, $13.28 per $1,000 of assessed value. Mortgage insurance: CFPB.

You could get down payment help.

Cash to bring

Help

Programs can pay part.

Down payment help

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Money toward your down payment.

  • MassHousing: up to $30,000 for first-time buyers whose income is under its limit, with a MassHousing mortgage. It’s a loan you pay back. One option has no monthly payment until you sell or refinance.

Amount and payback: MassHousing (Down Payment Assistance), read October 2, 2026.

Low down payments

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You don’t need 20% down.

  • FHA loans (government-insured): 3.5% down with a 580+ credit score.
  • Regular loans, called conventional: as low as 3% down.
  • ONE Mortgage: as low as 3% down, no mortgage insurance.

Ask a lender which fits you.

Down payments: HUD (FHA and its credit score rule), CFPB (conventional loans) and ONE Mortgage, read October 2, 2026.

Homebuyer classes

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A class on how buying a home works.

  • MassHousing and ONE Mortgage require it.
  • MassHousing-approved groups teach it, in person or online, in several languages.

Classes: MassHousing (Down Payment Assistance and Homebuyer Education) and ONE Mortgage, read October 2, 2026.

Owned a home before?

ONE Mortgage counts you as first-time if you have not owned a home in the last 3 years. Other programs may differ. Ask a lender or me.

First-time rule: ONE Mortgage program requirements, read October 2, 2026.

Ask me about help

Easy to understand, buyers say.

5.0Zillow rating from 6 client reviews

Read them on ZillowAs of September 30, 2026

John was a huge help in the purchase of my first home. He made the process easy and understandable. …

lcristo85 Bought a first home in Worcester Zillow review,
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John was a huge help in the purchase of my first home. He made the process easy and understandable. He was a pleasure to work with. Looking forward to using him again in the future.

… He took the time to make sure that the house we decided upon made sense realistically and long term. …

natiixo Bought a single-family home in Worcester Zillow review,
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Is it possible to give 6 stars?? Working with John was the best decision we made in our house hunting process.

John’s character was always genuine, professional and honest. He took the time to make sure that the house we decided upon made sense realistically and long term.

He made the whole process feel like we were joined by a friend searching for our future home who was invested in our best outcome.

You cannot make a better decision than trusting John in this process. His knowledge of the real estate field, combined with his fun personality will put you in the best hands.

Prompt, Courteous, Top notch negotiator … Honest, easy to work with - Gets the job done! …

Jill Sunshine Facebook recommendation,
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Prompt, Courteous, Top notch negotiator, Knowlegable, Honest, easy to work with - Gets the job done! Wonderful to work with! Highly recommended for his expertise in real estate and closing the deal!

Parts of longer reviews, in the clients’ own words.

Step 1 is a talk with me.

Talking needs no agreement.

John Chalino

Real estate agent, REMAX Partners

I speak English and Arabic.

(774) 232-7101 Text John

Where are you now?

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