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For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it's important that you have an real estate professional on your side who is an active expert in the local real estate market.
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Assisting you every step of the way, I'll make the process of purchasing a home easier, more enjoyable, less expensive and less time-consuming, than if you undertook this challenge on your own.
I will help you prepare so that sellers perceive you as a preferred qualified buyer, help you locate and assess properties for sale that match your specifications, and guide you through the myriad of details attending the actual purchase. As your agent, my focus is on getting you the home of your dreams. I will work hard not only in finding you potential new homes to see, but also in keeping you informed of everything that takes place. As your real estate professional I will negotiate the best prices and terms for you and answer all of your questions as they arise. |
Your First Step
Your first step in the home-buying process is to define the reasons why you want to purchase a new home. To stop paying rent? To start building equity? To have a place of your own? To raise a family? To move up to a bigger house?
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Determine the style of home you prefer and the area in which you'd like to live. Be specific.
Develop a needs vs. wants list. Everyone has a picture of their ideal home. This home would include all the features you not only need, but have long desired. However, when it comes time to buying a home, these desired features constitute additional costs. While it's nice to think about having an artfully landscaped backyard, or high-end appliances, these are usually considered luxury items, which can add considerably to the price of your property. Begin the list with items you absolutely need like adequate room, garage space and number of bedrooms. How much space do you really need? Does your situation require a one-level home, or are stairs acceptable? Basic needs should be considered first. After these have been established, you can consider additional features if you can manage these benefits financially. With such a list in your hands, you're less likely to be caught up in the excitement of the pursuit. You'll have a good idea of what you want, the features within your price range, and whether or not you can afford those additional items. |
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Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (Tri-cities, Pitt Meadows, Maple Ridge); neighbourhood (older and settled or brand new).
Check out the neighbourhoods you're considering, and ask around. What amenities does the area have to offer? Are there schools, churches, parks, or grocery stores within reach? Consider visiting schools in the area if you have children. How will you be affected by a new commute to work? Are there infrastructure projects in development? All of these factors will influence the way you experience your new home, so ensure you're well-acquainted with the surrounding area before purchasing. |
Your Next Step: Loan Pre-Approval
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Once you've narrowed down your list, you're ready to take the next step in the purchasing process: getting pre-approved with a mortgage company or Financial institution. While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford. When you're pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you've found a home to purchase.
Pre-approval gives you substantial leverage: sellers immediately see you as a serious qualified buyer. Not only will you know the exact price range you can afford, but you'll also be able to negotiate a better deal and move more quickly when you see a house you like. |
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Depending upon market conditions, a seller may lean towards an unconditional offer, so you'll have less negotiating power if you have to wait for mortgage approval. Banks and financial institutions have developed many programs catered specifically to home buyers. Once you review your needs and objectives with a your mortgage broker or bank, you'll be one step closer to purchasing your home.
Contact me and I'll be happy to refer you to a mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
Contact me and I'll be happy to refer you to a mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
Let Me Find the Perfect Home for You
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It is a very time consuming process to view every home available that meets your needs. I can do much of the work for you, by establishing your needs, then reviewing a range of properties and advising you of potential matches.
I have my finger on the pulse of housing trends and prices and access to the best possible resources and communication systems available today to help you locate homes on the real estate market that match your specifications. A comprehensive knowledge of the available homes in your neighbourhood is one of my strongest assets. |
I have many established relationships with other top producing realtors in the area. This allows me to gain knowledge of new listings that have not yet hit the market. Once you've been pre-approved and know what price range you plan to stay within, I can help you determine which properties fit your needs and wants, using the (MLS) Multiple Listing Service system and established relationships with other top producing realtors in the area. I have many established relationships with other top producing realtors in the area. This allows me to gain knowledge of new listings that have not yet hit the market.
Start your search now - view my current listings or MLS listings!
I will help you every step of the way
It is my job to guide you through this complicated process, from beginning to end. Contact me today, together we will prepare a unique system to suit your particular needs and goals. From helping you find your dream home to closing the deal - and every small or large step in between - I will be there to ensure your journey to life behind a new door is a smooth one!
