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Buyer Information
A home is one of the biggest purchases that you will make in your lifetime. It can also be a confusing and stressful process. That's why it's important to use the services of someone who can help guide you through your purchase - a qualified, licensed realtor like myself.
I have the education and expertise to help turn your dreams into reality.
What you can expect from me:
- An assessment of your needs
- An explanation of the process
- Access to properties for sale
- A skilled negotiator
- Honesty and integrity
- Highest professional standards
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As a real estate professional who understands the market, I know what is available and can match your needs and budget to your new home efficiently and effectively.
Determine What You Can Afford
Purchasing a home involves one-time costs and monthly expenses. The largest one-time cost is the down payment. It usually represents between 5-25% of the total price of the property.
In addition to the actual purchase price there are a number of other expenses that you might be expected to pay. Some typical one-time expenses include:
- Mortgage application and appraisal fee
- Property Inspection
- Legal Fees
- Legal Disbursements
- Land transfer, deed tax or property purchase tax
- Mortgage interest adjustment and take over fee
- Adjustments of fuel, taxes, etc.
- Mortgage insurance
- Moving expenses
Obtain a Pre-Approved Mortgage
Having a pre-approved mortgage will give you the confidence of knowing exactly what you can spend on a home before you start looking. You will also be protected against interest rate increases while you look for your new home.
Your mortgage specialist will answer your questions and help you determine which financing terms and options are right for you. Your mortgage specialist and real estate professional work as a team to help you find the fight home and select the best financing.
Hire a Legal Professional
A legal professional is there to represent your interests and to process the legal documentation required.
The legal process differs from province to province. Your legal professional will advise you on the steps to be taken before the keys to your new home are presented to you.
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