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Buyer's Guide
Get Pre-Approved
Have your finances in order before the buying process. Usually, it is recommended to have 20% as a down payment, even though 5% is considered to be the minimum. In addition, meet with a mortgage professional to ensure that your funds are secured. If you need help with finding a mortgage professional, we can refer a few to you.
Know What You Want
The home you will purchase will need to fulfill most, if not all, your needs. You need to consider the size of your family, if you need a home office, or need to be close to schools or amenities. The more you understand your needs, the easier it will be to find your perfect home. If it is an investment you will need to consider market rental rates and annual costs.
Meet with Your Real Estate Professional
Finding the right Real Estate Professional is just as important as finding your perfect home. You need to have trust and confidence in your realtor as he or she will be handling appointments, negotiating on your behalf, Drafting paperwork and ensuring that all your questions and/or concerns are handled promptly and professionally.
Finding Your Home
Once you’ve established your new home criteria, your realtor will begin finding homes in your desired neighbourhoods. You will view selected homes that fit your needs, or view some that your realtor may recommend. Remember, your realtor is there to find your home and the job isn’t complete until the key to your dream home or investment is in your hands.
Make an Offer
After finding the home that is perfect for your needs, your realtor will work with you in establishing an offer that is suitable. This offer may be accepted, countered, or rejected by the seller; the realtor’s job is to sit and work with you and within your budget and attempt to reach an agreement with the sellers.
Closing
This is the most exciting part of the journey, the final step. The offer has been accepted, and now, the realtor will work to ensure a smooth transition. Once you remove subjects and pay the deposit the documents will be sent to your lawyer or notary to complete the file and transfer title on the completion date. After this step you are a homeowner, with the keys securely in your hands!
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 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
Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in a matter of minutes. Call us and we will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
We Will Find The Right Homes For You
Once you've been pre-qualified and know what price range you want to stay in, We can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them. 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 our listings here at our website.
We Will Help You Every Step Of The Way
We will 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.
Meet our team
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Our website offers the widest range of search opportunities when you begin to look for a new home. Start with our “Enhanced Listings” to get a taste of some of the top properties we have in our personal database.
