Find Your Dream Home in Rhode Island

– See Listings Before They Go Public

Get real-time access to new listings, price drops, and off-market homes across Rhode Island—updated directly from the MLS.

Tired of falling for homes that are already sold? With Century 21 Guardian Realty’s Real-Time Home Search, you’ll get:

  • Accurate listings from the Rhode Island MLS

  • Daily updates on new homes and price changes

  • Filters to match your exact needs

  • Option for a free consultation with a local expert

Whether you're browsing or ready to buy, we’ll help you stay ahead of the market.

Get Access to Real-Time Listings

The Home Buying Process!

1. Get Ready

This means building a good credit history and saving for a down payment (usually 10-20% of the home's price, though some programs like FHA allow less). Don't forget to factor in closing costs (taxes, attorney fees, etc.) and ongoing monthly bills like utilities and homeowner's assessments. It's also a good idea to get pre-approved for a mortgage to know how much you can afford, and consider consulting an attorney to review contracts.

2. Find Your Team

A real estate professional will be your guide. When you interview agents, discuss their buyer's representation contracts and make sure they understand your needs and expectations.

3. Discover Your Dream Home

Think about what's most important to you: schools, neighborhood amenities, commute time, or walkability. When calculating your ideal monthly mortgage payment, always include homeowner's assessments, utilities, and taxes.

4. Secure Your Loan

Once you've found a home, work with your mortgage broker or lender to finalize financing. They'll also run a title search to ensure there are no issues with the property's ownership. Make sure you fully understand all the financing terms and don't hesitate to ask questions.

5. Make Your Offer

Before you make an offer, get the property inspected by a licensed home inspector and secure title insurance. Ensure the title is clear. Read all contracts carefully before signing and be prepared to negotiate. Keep your credit score stable by avoiding big purchases before closing. Remember that only one offer will be accepted, so be prepared to move on if yours is not.

6. Close and Settle In

Congratulations, you're almost a homeowner! Protect your investment with homeowner's insurance (and flood/disaster insurance if needed). Weatherproof your new home and keep all your important documents (warranties, insurance, contracts) in a safe place, ideally outside the home. Set up your utility bills, plan your move, and then enjoy making your new house a home! Don't forget to get to know your neighbors and explore your new surroundings.

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