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Buy - Invest - Flip - Hold

 When is comes to Real Estate, picking the right Realtor(s) is critical for success. With so many options now available in this modern industry, taking the time to interview and explore your options before aligning yourself with a Realtor has never been more essential. Don't settle! This is one of, if not the, largest financial decision you'll make. Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.

Welcome!

Home Buying Process

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Pre-Approval
Know Your Limits, Play Within It. Best practice would be to not begin looking at homes until you have partnered with a mortgage agent to discuss your buying power + household income analysis. Knowing what you can/ cannot afford determines your buying strategy and process. Being pre-approved avoids wasting time, energy, money, heart-ache and possibly losing out of the ideal home match. Know your options - Don't guess.
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Wants vs. Needs
Homes Criteria: Where you live has an impact on your lifestyle and it’s also one of the most significant factors on the value of your home. Choice of location is sometimes limited by the price you can afford but it is still important to consider factors such as; commute to work, schools, family, shopping and entertainment.Additional considerations; Budget, home features needed (size, parking, fenced yard, separate entrance, etc).
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Home Search
Streamlined Home Buying: A real estate agent can help by using a variety of tools to identify properties that meet your requirements. One such tool is the local Board’s MLS® (Multiple Listing Service®) System. MLS can be searched for listings that best match your requirements such as location and budget.Let us filter the market and filter your best matches on your behalf. This way you won't wast time or miss out on an opportunity when it presents itself.
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Home Tours
Once you decide to visit a property, keep your requirements in mind, i.e. does it have all the features you want? does the location work for your lifestyle? Does it provide you with the needed bed, bath, parking and livable space for your needs? Also keep some of the technical considerations in mind, such as: wiring, power outlets, heating, foundation and roof maintenance, windows, plumbing etc. Home inspections can provide an assessment of the technical aspects of a property and it is a good idea to have a professional inspection performed.
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Making An Offer
When you find a property that you would like to buy, your agent can put together an offer. The offer will include, the price you are willing to pay, expiration of the offer, a closing date for the purchase of the home and conditions for the purchase. Some commonly included conditions are: Financing, which states you will be able to get a mortgage. Selling your current home. Survey provided by the seller that shows there are no encroachments on the property; Title of the property being owned by the seller (your lawyer will confirm via a title search). Home inspection by a qualified engineer; and Inclusion and exclusion of any appliances and other items - basically, what stays and what goes. A deposit is given along with an offer. A deposit of appropriate value will show your good faith to the seller.
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Offer Accepted
Once an offer is accepted and all conditions are met, then the offer becomes binding on both sides. If either party then does not honour the agreement, they can be sued or the deposit lost; therefore before signing, be sure that you fully comprehend all the terms of the offer. Before the property can formally be handed over from the seller to the buyer, a few more things must be done. You will have to show proof of insurance to the institution that provided your mortgage. On or before closing day, the lawyers from both sides will arrange to transfer the property title from the seller to the buyer. The mortgage will be transferred to your lawyer's trust account, and then to the seller. Your lawyer will bill you all additional expenses such as land transfer taxes or outstanding legal fees. Also be sure to check with your lawyer that everything is as stated in the offer-to-purchase. Once this is complete and the keys are in your hands, then the home is yours!
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Additional Costs
Purchasing a home is associated with some extra expenses, such as: Legal fees, Real estate agent fees, Appraisal fee, Survey costs, A high-ratio mortgage insurance premium, An interest adjustment for the mortgage, Reimbursement to seller for the unused portion of any prepaid property taxes or utility bills, Land transfer tax, Mortgage broker's fee, etc. Also budget for moving costs and storage/ services. DON'T plan to move into new home on closing day until at minimum the evening or following day -- most transactions don't close until the late afternoon/early evening on the day of closing -- and you will not get the keys/access until the lawyers give your the green lights.
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Closing Day
Leading up to and on Closing Day
Once you have successfully offered and secured your new home you will need to; Notify existing services that you are moving effective (closing date) and to stop current services at this address. Then you will need to call and set up services (hydro, gas, water, internet, etc) at your new home address effective (closing date). You will need to call and secure home insurance and provide proof to your mortgage lender + lawyer prior to being able to close. You will need to secure a moving company/truck in advance to ensure it's available it when you need.
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Repeat & Referral
Your Realtors, for Life
We aren't looking to just help you with your next home purchase but to be your trusted go to for any/all future real estate goals. We love and take great pride in what we do -- and we operate our business mainly on repeat & referral business. To express our thanks & gratitude we reward all of our repeat business and referrals, unlimited. Contact us to learn more ! Together, we rise.

REAL EXPERTS. REAL RESULTS

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Real Estate The Right Way

Offering to Win

When is comes to Real Estate, picking the right Realtor(s) is critical for success. With so many options now available in this modern industry, taking the time to interview and explore your options before aligning yourself with a Realtor has never been more essential. Don't settle! This is one of, if not the, largest financial decision you'll make.  Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.

1. Proof of Funds

Get Pre-Approved

Have your pre-approval letter or proof of funds in hand. You may have a great offer to submit, but if you can’t back it up with proof you are qualified to purchase the home the seller may just move on. It is also important to have strong financing terms when possible, and to  use a reputable lender who Is known to close loans quickly and easily.

2. Cash Offer

Know Your Limits, Play Within Them

Making a cash offer, if you are able to, can significantly increase your odds of wining in competition and/or getting a bargain sale price. If not, you can make as large of a down payment as possible to show financial strength and seriousness to the Seller. One less condition can favour your odds of success and give the Seller one less concern/risk to entertain your offer.

3. Up Offer Price

Make Calculated Risk Decisions

Offer more than the asking price. Your agent should do a comparative market analysis to give you a good idea on the home value as soon as you decide to make an offer. If it’s not too out of line with the CMA or your budget, offer more than the asking price.

4. Simple & Clean

Eye's on the Prize.

When you make the important decision to buy or sell a home, I am committed to going the extra mile.

Don't sweat the small stuff.

Don't "nickel and dime' the Seller and only ask for repairs on anything major that comes up.

5. Shorten Conditions

Increase Success Probability

Shorten the inspection period & offer to cover up to a certain amount in any material defects that may arise during the inspection. Asking for a 2 to 3 day inspection period instead of the traditional 5 lets the seller know that you aren’t going to waste anyone’s time.  

6. Deposit Ready

Show Financial Stability / Seriousness

Have your deposit ready. Offer a deposit that sends the message that you are serious about your offer and have the funds ready to turn in as soon as your offer is accepted. Typically this means the entire deposit upfront, within 24 hours of the contract being signed by all parties.

7. Be Flexible

Improve Odds to Win

Offer flexibility with your closing date. Convey through your agent that you are willing adjust the closing date to suit the seller’s needs.  I will ask the agent when the seller would prefer to settle.

8. Walkthrough Inspection

Be Strategic to Lower Risk

Consider a "walkthrough Inspection". If you know there will be multiple, competitive, offers, consider scheduling a home inspector  for your showing and ask them to take a look at the "big ticket Items". This way you consider waiving Inspections to be more competitive.

9. Personal Letter

Be More Than a Number on a Piece of Paper

Include a personal letter with a family photo. Let the seller know who you are, what you like about the home, and that you intend to take good care of their former residence. Let them know what it is about the home that has already made it special to you

10. Assume Rentals

Path of Least Resistance

Assume any/all rentals or lease to own equipment. Purchasing a property is already a massive financial commitment, so if a property you want to offer on also has rentals or lease  to own equipment (like water heater, water softer, water treatment, furnace etc) it's common to not want to assume those added monthly expenses + contracts. However, in a competitive situation, assuming them (within reason) could prove to elevate your chances of besting the competition.

11. Want Vs Need

Stay Focused

Don’t get worked up over inclusions and personal property. Focus on what is most important! If the wine fridge isn’t included, don't try negotiating it into the offer if you're in a competing offer situation.

“Talent wins games, but teamwork and intelligence win championships”

Michael Jordan

When you make the important decision to buy or sell a home, I am committed to going the extra mile to ensure that all of your needs are successfully met in a professional and honest manner. When you make the important decision to buy or sell a home, I am committed to going the extra mile to ensure that all of your needs are successfully met.

The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are member’s of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.