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Congratulations on taking this first step toward buying a home! Pride of Home Ownership is indeed one of life’s greatest joys and biggest accomplishments. It’s an exciting time and our hope is that this guide will bring clarity and peace of mind during your home buying journey.
Let’s get started! The first step is deciding where you want to live, what type of home you are looking for and what feature’s are “must have’s” or “would be nice to have’s” in a home. This will help us sort through the options together to find you the best house, at the best price, with as many of your wants and needs as possible.
Here are a few questions to help you get started:
If you already have a clear picture of what you want in a home, create a list of your wants and needs to bring to our first meeting. If you could benefit from some guidance, I can help you narrow down the options and figure out what will best fit your and your family's needs.
Talk with a mortgage broker or financial planner. Independent mortgage brokers tend to offer the most options because they don’t just work with one bank. However, if you have a good relationship with your bank, contact them as your first step toward finding the right mortgage for you. Having preapproval documentation can offer you several benefits:
We are partnered up with professionals who are here to serve you with the absolute best service and dedication. If you need help finding a mortgage broker, contact us for more information and we can help connect you.
It’s important that you understand whose interests realtors are legally bound to serve in a real estate transaction.
The Listing Agent:
The Listing Agent is under contract with the seller to market and sell their property for the best possible price. It's possible to work with just the listing agent to:
Your Personal Realtor:
When you engage the services of your own personal agent – someone who is under contract to work solely in your best interest – you get all of the services listed about plus your personal Realtor provides:
As your Personal Realtor, my job is to ensure you are an educated buyer in all aspects of your home buying process.
I work behind the scenes to make sure all your bases are covered to get you the best possible home for you at the best possible price.
While you're searching for your home, we will empower you with the key market information to make informed decisions and create a stress-free and enjoyable homebuying process.
What to expect from working with me:
Making an Educated Offer
When you've found a home you like, we will work together to prepare an offer that protects you, follows your instructions and matches your schedule and needs. I will present and negotiate the offer on your behalf to get you the home that you want at the price and terms you want.
What happens after this:
Home Inspection:
It is highly recommended that a home inspection be completed prior to purchase to ensure that are no hidden defects that you were not made aware of. Average cost is between $300 & 600, depending on size, age and value of the house and if there are any suspected issues.
Land Transfer Tax:
This fee is payable to the provincial or municipal government upon closing, it is commonly a certain percentage of the purchase price on the property. In Ontario, the rates are as follows:
When you buy land or an interest in land in Ontario, you pay land transfer tax. First-time homebuyers of an eligible home may be eligible for a refund of all or part of the tax. The maximum amount of the refund is $4,000.
Legal Fees:
This usually covers the cost of completing a title search, drafting the title and deed, preparing the mortgage documents, registration fees and other disbursements. These fees will be due at closing and typically costs $1,500.
Property Insurance:
Your lender will require you to obtain property insurance, as the home acts as collateral for the mortgage. Most lenders only require insurance that covers fire and weather-related damage in place on closing day. Annual premiums usually start at $500 and increase from there. Contact your insurance agent for rates; we have proven professionals that we can recommend to you if you do not currently have one.
Thinking about selling your home? Contact me for a free pinpoint price analysis to help you get full value.
Send me a messageI have helped these families enter a new chapter in their life, in the homes they will nurture as their families continue to grow!
These beatufiully designed 4 bedroom home has horse property, as well as open space trails.
These beatufiully designed 4 bedroom home has horse property, as well as open space trails.
These beatufiully designed 4 bedroom home has horse property, as well as open space trails.
The way Heather calmed each of my fears as we went through this process was so helpful. My husband had SO many questions and Heather seemed to bring a playfulness to our search.
Littleton ResidentHe says he's the property of Obi-Wan Kenobi, a resident of these parts. Yes, I was once a Jedi Knight the same as your father. I wish I'd known him.
Design GodsYes, I was once a Jedi Knight the same as your father. I wish I'd known him. Our ships have completed their scan of the area and found nothing. If the Millennium Falcon went into light-speed, it'll be on the other side of the galaxy by now.
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