Home buying 1-2-3

• First step is allowing us to help you plan your mortgage and to get you pre-qualified for that mortgage (click here and you can apply right now)
• In planning your mortgage we will assist you in deciding the maximum monthly payment with which you  are comfortable.
• We may also assist with a plan to restructure existing debts to make the purchase easier and reduce your total interest costs over time.
• Decide on an affordable down payment.
• We will assist in outlining all the costs related to property acquisition. (survey or title insurance, PP tax, proportionate municipal taxes, appraisal, building inspection, lawyer, etc.) 

 (Click here for a property features check list to print and take with you)

• Select a REALTOR® who is prepared to work with you under a buyers agency agreement. Choose a practising REALTOR®, not one who will be practising on you.
• Discuss with your REALTOR® your time line remembering your landlord's requirements for notice.
• It may be necessary for your REALTOR® to show you open houses and MLS® listings in a variety of locations and property types within your price range, to help narrow your selection or area. 
• Learn the prices of properties in the areas in which you are most interested.
• Focus on that area and property type.
• Select the property on which to make an offer and be prepared to negotiate.
• Inform your Mortgage Planner of your successful choice.
• Arrange for a property inspection (your real estate professional can help here also).
• When  all the conditions are met give notice to your landlord (usually by the 1st of the month)

Three:

• Finally, you will require the services of a lawyer or notary public to convey title.
• Hire a mover  - and above all SMILE and enjoy the process.
• Consider life insurnace for you mortgage - discuss this option with us. 

We are your first stop even before you look at your first property, for knowledgeable, unbiased factual and current information. Your property buying decision will be made after you obtain the best information available.  You want information and assistance that relates directly to your situation.  It is in our professional interest to give you up to date pertinent information and find you the financing for the property that you know suits your needs. Telephone me at 250-661-1862 OR

Unlike well meaning friends and relatives, Real estate Professionals and  Mortgage Brokers are governed by Codes of Ethics and Provincial and Federal Regulations to protect your interests and ensure we work at all times, in your best interests.