Buyer Services

When purchasing a home, my goal is to guide and support you through each step of the process. 

Here are some ways I assist you through the process of finding your new home!

• Mortgage Connections: I will connect you with trusted mortgage professionals who can offer personalized financing advice tailored to your needs.

• Custom Property Search: Based on your criteria, I’ll provide a daily automated list of properties for sale, ensuring you have access to the latest listings that fit your preferences.

• Market Insights: You will receive up-to-date market condition data, along with advice on navigating current trends to make informed decisions.

• Tailored Property Analysis: I will help you evaluate the best homes that align with your budget and specific needs, ensuring you find the perfect match.

• Focused Home Search: Together, we will explore properties that best suit your lifestyle and goals, focusing on what truly matters to you.

• Home Investigations: When we find a home that you are interested in, I will help you determine if it is a good house by researching permits and any other information that can uncover the health and history of the property. 

• Legal Guidance: If needed, I’ll recommend a real estate lawyer who is a good fit for your specific situation.

• Problem-Solving: Should any challenges arise during the home-buying process, I’ll work diligently to resolve them and keep everything on track.

• Transaction Management: I will handle all paperwork and communication related to your purchase, ensuring a smooth and organized transaction.

• Preparation for Moving: As you get closer to closing, I’ll assist with planning for possession and moving to your new home.

• Commitment to Service: Throughout the entire process, I will provide the highest level of service, so you feel confident and comfortable at every stage.

Whether this is your first home purchase or you’ve been through the process before, I’m here to guide you every step of the way.

Buyer Checklist

Although this list may seem overwhelming, many of the steps outlined below are small and many are performed by me. You will likely be surprised how quickly we accomplish all these steps.

You can always be assured that I will guide you through the entire process

1. Prepare to meet with a lender.

• Gather documents the lender requires for mortgage pre-approval.

• Make a list of your monthly incomes, and funds available for down payment. 

• Make a list of your financial obligations (car payments, phone, Internet, cable, child care).

• You can check your credit reports for accuracy (Equifax and TransUnion).

• Use a mortgage calculator to consider your options. 

2. Meet with a lender for mortgage pre-approval.

• Meet with a lender to find out the purchase and payments you are pre-approved for.

• Learn about the types of mortgages and rates available to you.

• Consider the amount of funds needed for closing costs and down payment.

• Important: Don’t purchase anything on credit until after you have purchased your home because this will increase your debt load and will reduce the amount of mortgage a lender may approve.

3. Prioritize what you are looking for.

• Make a list of needs, wants and considerations.

• Consider location; downtown, urban, suburban, rural, close to amenities or schools. etc.

• Consider type of home (single family, attached vs detached home, townhouse, condo).

• Determine your work commute and social travel patterns.

4. Custom search.

• I will set up a custom, automated search for homes that match your criteria.  

• You will receive an email everyday there is a new listing that matches your criteria.  

• You can view the photos, read about the home and see the location on a map.

• Mark your favourite listings and I will make appointments to view these properties. 

• We will tour your favourite listings to see if they are a good fit for you. 

• As we view properties we will review your list of needs, wants, and considerations.

5. Learn about the process.

• Review the steps and requirements to ensure you are prepared at each step.

• Understand Buyer Agency and its benefits.

• Review the required documents.

• Write a practice offer and discuss the options and conditions to include.

6. Investigate.

• Review property disclosures.

• Ask questions about the property.

• Make a list of any renovations or changes you may need to consider.

• Search for open and outstanding permits.

7. Make an offer.

• Determine what you are willing to offer for the property.

• Calculate the deposit and down payment amount.

• Choose/negotiate a possession date.

• Include conditions such as financing and inspection.

• List special requests for information such as PDS (if not supplied).

• Sign the offer to purchase.

8. Finalize the offer.

• Arrange for a home inspection.

• Obtain financing approval (this may include the lender ordering an appraisal).

• Use the appraisal and inspection reports to re-negotiate if necessary.

• Ensure that the conditions that were included in the offer are satisfactorily completed.

• Once the conditions are satisfied, complete the sale by signing the Notice of Conditions Satisfied form. 

• Congratulations! You have bought your new home. 

9. Finalize the purchase.

• Purchase home insurance.

• Finalize financing by signing mortgage documents, and get a cheque for the down payment to bring to the lawyer. 

• Meet with the lawyer to sign documents and pick up the keys. 

• Arrange for new utilities accounts, including: hydro, gas, water, internet, home alarm.

• Upon possession: report meter readings for hydro, gas, and water.