Buying a home can be both exciting and nerve wracking. The property you purchase and the way that purchase transaction unfolds will shape your life – and lifestyle – for years to come! So take the time NOW to choose the right real estate agent BEFORE you go shopping for a home. We highly recommend understanding the Buyer Representation Agreement and the huge benefits that this agreement brings.
LET US HELP YOU EVERY STEP OF THE WAY
When purchasing a home, you're faced with a multitude of decisions! The primary one is whether you're actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.
While at your side each step of the way, we will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. We will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.
We are always familiar with the current homes on the market, and we know neighbourhood values well, so we can help you determine which properties are fairly priced and in good condition before you start your search.
YOUR FIRST STEP
Your first step to buying a home is to first ask yourself why you want to buy a home: To stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighbourhood); community (northwest, southwest, northeast, or northwest quadrants of the city); neighbourhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.
Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday, you or your heirs will want to sell. Consider how long you expect to live in this particular home.
YOUR NEXT STEP: LOAN PRE-QUALIFICATION & PRE-APPROVAL
Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage loan company. This pre-qualification step can be done over the phone or even online in a matter of minutes.
Call us and we can refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients. We work with bank mortgage professionals and mortgage brokers almost every day.
Once, you've been pre-qualified, you then need to get pre-approved so you're ready to make a purchase. When you speak with your mortgage professional, they will tell you what documents you need to bring with you to support your loan application. After meeting your mortgage professional, you'll know how much you can afford to spend on your home well before getting serious about making an offer on a home!
WE WILL FIND THE RIGHT HOMES FOR YOU
Once you've been pre-approved and know what price range you want to stay in, we can help you determine which properties fit your needs by using the local MLS® System (Multiple Listing Service) to help locate them. If you're looking for brand new homes, we can help you and save you considerable time and effort there, too.
We have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search all the MLS® listings by all the real estate companies and all the agents right here on our website.
As we're searching together for a home, we'll be on the look out for red flags and issues that may cause you some grief. If we find them, of course, we'll be able to recommend a course of action!
You won't be left alone during negotiations to be beat-up by the seller or their agent! We'll provide considerate and rational guidance during negotiations.
WE WILL HELP YOU EVERY STEP OF THE WAY
We'll help you complete your financing and inspections, and close on the transaction. Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful. We're happy when you're happy!