Buyers Guide

The purchase of your home may likely be the single biggest investment that you will ever make in your lifetime. 

A home is a safe haven and a great place to build fond memories with family and friends that last a lifetime. Purchasing a home is definitely one of the biggest joys you will endure. Buying a home can be exciting but can also be a very tedious process to go through when your resources, support and knowledge is limited. Have a professional like myself to do the grunt work for you; my passion and commitment has allowed me to be successful in what I do for the past decade. There is no greater pleasure than knowing I have successfully situated my clients into the home of their dreams! The following is a guide on what to know and expect during a purchase of a home. 


1.    Is homeownership right for you? 

Home ownership is great in many ways but may become a financial burden on a family that simply cannot take upon the financial responsibilities that come along with a home purchase. Sit down and jot down your expenditures and income and take into consideration a mortgage and its associated costs and figure out if its fathomable to make a purchase so you don’t become financially crippled at the end of it all. 


2.     Get a mortgage for your home

Depending on your financial position you are either going to meet with a mortgage lender or a broker to discuss financing and affordability options. Mortgages terms and interests rates will be disclosed and explained accordingly to ensure that you are aware of what is expected of you to successfully get a mortgage once you find your home.


3.    Finding the right home

Now that you have a clear picture of your finances and mortgage options, the exciting part is here; venturing out and finding the right home! The challenging part is distinguishing between needs and wants. The future is just as imperative as the present, so when choosing a home; choose one that will meet your needs today and well into the future.


4.    Choose a Realtor to do the grunt work 

As they say, teamwork makes the dream work. Find yourself a realtor that will be devoted to you exclusively. Hunting for the home of your dreams is no easy task, so find yourself a partner in crime to have your dream come true.



Here are a few things on whats involved when looking for the right home. 

1.    Make a wishlist

Distinguish your needs and wants. This can be very challenging but it is vital information that must be gathered prior to looking for a home. 


2. Picking your agent

Picking the right agent can be a challenging process. Choose an agent that makes home hunting entertaining and stress free. Have your agent work for you exclusively and one that takes pride in delivering top notch customer service. The purchase of a home can be an enjoyable experience with the right team and support in place. 


3. Home hunting

As technology grows so does the way we do things. The internet allows us to view properties right in the comfort of our own homes. This can be misleading as pictures do not paint the entire picture. Have the right agent take you to these properties in person so both parties are able to physically see the property in person. Effective researching tactics prior to visits can be a powerful tool as this may save you money and more importantly time.


4. Make an offer

Now that you believe you’ve found the right home for you and your family; make an offer to reveal your interest in the property. This process will be taken care of by your designated agent as they will prepare and draft the Agreement of Purchase and Sale. This is a legally binding document which contains information on the property such as the price you are prepared to pay and the terms and conditions that must be abided by for the deal to process through.


5. Closing Process

Once your offer is accepted, visit your lender or broker to verify and finalize details of your mortgage. This entire process will require you to be in constant contact with your lender and lawyers to ensure everything is going smooth. Costs will be disclosed and you will need to be prepared to provide information upon request and of course, money from you. 


Purchasing a home may seem like an easy process on the outside, but unless you go swimming on your own; you will remain unaware of the dangers and pitfalls you may encounter. Have a reputable agent to represent you, one that thinks from a clients prospective. You want to avoid mistakes regardless of whether you are purchasing a home to live in or simply using it as an investment. Have me represent you and your interests today. 


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