Thinking of buying or selling? Not sure where to start?

Reach out to us at StartPoint.

Welcome to NAP Realty Group. Our goal is to always achieve a high level of customer satisfaction with the services that we provide. We’re thrilled you’ve decided to visit us; please browse our site to discover what we’re all about. We are an independent group of realtors affiliated with StartPoint Realty of Sterling, MA and are here to help.

As Buyer and Seller Agents, we can help you find your new home, or market and sell your current home. We will be there every step of the way - from home search, negotiations, and contracts to inspections, mortgage, and closing.

Take your time, look around, and learn about us. Do not hesitate to contact our team to see any homes of interest, for a FREE Market & Home Valuation Report, or with any questions, any time.

The NAP Realty Group team is here to help you find your way home.

Cheryl Napolitano

Sales Associate

Cheryl is a seasoned professional with a commitment to help you achieve your goals. She has a "get it done" attitude and provides knowledge of the market. Her experience along with her drive will be sure to exceed your expectations.

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Phil Napolitano

Sales Associate

Phil is dedicated to his craft and follows best practices like valuing your time, having a pleasant attitude, and providing knowledge and the necessary resources. He is also taking things a step further to ensure your success and satisfaction.

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  • StartPoint Realty | 34 Newell Hill Road | Sterling, MA 01564, USA

Give me a call or send me an email. Tell me about yourself and what you are looking for in a new home or if you are thinking of selling. I can let you know what your home is worth by giving you a free market analysis. I can help. Let's talk and begin your journey home.

  • StartPoint Realty | 34 Newell Hill Road | Sterling, MA 01564, USA

Whether this is your first time or you have gone through the processes before, real estate can be a complicated and stressful experience. Give me a call or send me an email and we can make the journey together.

About our Broker imageAbout our Broker image
The Nap Realty Group Team is affiliated with StartPoint Realty located at 34 Newell Hill Road in Sterling, MA Broker Lic 6992. We have years of real estate experience and a wide network of buyers and sellers. We specialize in the local real estate market.

Are you thinking of selling your home? Start with us. We can point you in the right direction. We can provide step-by-step guidance and help you sell your property for the highest possible price under the best terms. We will aim to provide you with effective tactics to get the most money out of your home in the shortest amount of time. We will use strategies that have helped sell homes and determine the best way to be able to sell a home in our current market.

If you are looking to buy a home, we can be there with all of our resources to be sure that you are 100% satisfied. As a buyer, you will be working with a team that is focused on finding you a home, with assistance every step of the way. We will provide strategies to help the buying process go as quickly and smoothly as possible. Our goal is to find you a home in a timely manner for a reasonable price. We will share the journey with you, from visiting your first potential home to closing on your dream home.

We are a team driven by clients' goals and objectives and will set up a unique plan you. Whether you are selling your home or ready to buy a new home, we will give you top service with both you and your goals in mind. Lets talk.

Contact us and let us help find your way home.
A pre-approval is a preliminary evaluation done by a lender, such as a bank or a mortgage broker, to determine the amount you can expect to borrow as maximum principal for the purchase of a home. Usually, the lender will also provide other terms, such as interest rate and the type of loan.
Typically, a mortgage payment amount may generally be no more than 28% of a borrower's monthly net income, but might depend on your lender. When taking out a mortgage, they may take into account your annual income, total monthly debt, a down payment, your debt-to-income ratio, or more, along with loan factors such as interest rate, the term, estimated taxes, and insurance when calculating how much they will lend.

The process can be lengthy depending on how long it takes to find a home. Once the offer is accepted on your chosen home, the average time is 30 to 45 days under normal market conditions. However, cash purchases can be completed much faster.

The market can affect the time it takes to complete a sale. If there are many sales, it may take longer as the parties involved - appraisers, inspectors, or lenders in the transaction, for example - get behind when business picks up. Lender turnaround times for loan underwriting may also slow down the process.
A seller's market is where the demand for homes increases, driving the prices up. This usually results from high demand for properties while there is a shortage.  

A buyer’s market typically has declining home prices and reduced demand, so it can take longer to close on a sale, giving buyers more time to consider buying a home.

Several factors may affect long-term and short-term demand.

The down payment varies in different real estate markets.

Conventional loans typically require a 20% down payment. However, there are many programs available that have a variety of down payment options. If the borrower pays Private Mortgage Insurance, or PMI, some loan programs are even available with as little as 3% down.

Consultation with a mortgage company or a bank regarding availability of specific programs with varying amounts of down payments is highly recommended.

The number of homes that you should view is not defined. Some home buyers view one home and decide it is the home for them. Others can take much longer and view several homes before deciding which one to purchase.

Overall, that’s up to you! Today, there are plenty of homes to view in a short time and the process has never been easier. However, nothing beats visiting a home to see how it looks and feels in person.

The amount of time the seller has is usually stated in the offer form. Typically, the seller contract will state the amount of time they have to respond to your offer. Typically, the seller has 24 hours to respond, but the time may vary depending on what is stated in the offer to purchase.

Final walkthroughs give buyers a chance to make sure that everything in the home is as you expected it. This is when the buyer ensures that the home is as agreed upon in the contract and makes certain that the buyer is satisfied with the home.