Step 1: Call me to arrange a meeting
Let me help you every step of the way.
When purchasing a home, you are faced with a multitude of decisions! 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, I 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. I 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.
I am always familiar with the current homes on the market, and I know neighborhood values well, so I 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 raise a family? 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 neighborhood, country); community (north, south, east, or west side); neighborhood (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
Your next step in the purchasing process is to get pre-qualified with a mortgage lender. This can be done over the phone or even online in a matter of minutes.View my recommended professionals of mortgage professionals that have an excellent reputation and track record.
I Will Find The Right Homes For You
Once you've been pre-qualified and know what price range you are comfortable with, I can help you determine which properties fit your needs by my extensive search criteria questionnaire and setting up a customised MLS (Multiple Listing Service) search. Daily I preview homes and will email your specific matches on your schedule (daily, weekly, monthly, or even your choice of days)
Give me a call today with your criteria - I may even know of your next home before it hits MLS. You can even search my listings here on my website.
I Will Help You Every Step Of The Way
I am here to guide you through every step - the showings, negotiations, inspection, and completion/possession process. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, successful, and en experience you feel compelled to rave to others about.
Costs of Buying
Top Grants and Rebates for property buyers and owners (like the Home Buyers' Plan, or Homeowner Grant, etc.)
Are you a First Time Buyer? Find out here.
1% on 1st $200,000
2% on the balance
3% on balance beyond $2,000,000
|Mortgage company's lawyer/notary|
|Appraisal (if applicable): approx. $200-$400|
|Land title registration fee|
|Mortgage Insurance and application fee (if high ratio mortgage)|
|Lawyer/Notary Fees: approx $600 - $1000|
|Searching / Investigating title|