Buyer Services

Some of the ways I can assist you through the process of purchasing your new home include:

• Connect you with mortgage professionals who can provide professional mortgage and financing advice.
• Provide a custom property search. You will receive a daily automated supply of properties for sale based on the criteria you choose.
• Provide current market condition data and advice.
• Analyze the best alternatives that best fit your budget and criteria.
• Help you search for homes that are best for you.
• Make investigations on the home you want to make an offer on.
• Provide suggestions for a real estate lawyer who is right for you.
• Resolve any challenges that may arise when purchasing a new home.
• Take care of the purchase transaction paperwork and communication.
• Help you prepare for possession and moving.
• Provide the highest quality of service, so that you feel comfortable and confident in the process.

Whether this is your first time purchasing, or you are a seasoned home buyer, you can rest assured that I am here to help walk you through each and every step of the way. 

Buyer Checklist

Here is a list of all the many easy steps involved in a successful buying 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 favorite listings and I will make appointments to view these properties.
• We will tour your favorite 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.