Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task and obtaining pre-approval and then 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 neighbourhood 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 have a place of your own? To raise a family? To enhance an already existing rental property portfolio? To entertain business associates? To move up to a bigger house? Maybe you are retiring and find yourself with an empty nest, in need of a smaller home? Next, list what kind of home you would like and where you would like to be. Be specific. Separate the "must-haves" from the "want-haves."
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (inner-city, suburban neighbourhood, country acreage, etc.); community (southwest, northwest, southeast or northeast); neighbourhood (older and established or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, daycare, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work? Will that commute be in the comfort of your own vehicle as you have a guaranteed parking space downtown or are you planning to use public transport options such as the Light Rail Transit (LRT) into work?
Think about home styles: a split-level, bungalow, or townhouse? How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider the size and kind of property. Do you want a newer home, or maybe an older one to fix up? Condominium? Someday you or your heirs will want to sell, so consider how long you expect to live in this home. Also consider such criteria as fully developed yard, basement and size of the garage that is already there or are you planning to add any of this yourself?
YOUR NEXT STEP: LOAN PRE-QUALIFICATION
Once you have addressed the above needs, your next step in the purchasing process is to get pre-approved with a mortgage broker. This can be done over the phone or even online in a matter of minutes.
Call me and I will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
I WILL FIND THE RIGHT HOMES FOR YOU
Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the Multiple Listings Service® (MLS®) system to locate them.
I 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 my listings here on my website.
I WILL HELP YOU EVERY STEP OF THE WAY
I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful. I am with you each step of the way to owning that new home!