Making the decision to purchase a property is undeniably one of the most significant financial choices you will ever encounter. Regardless of your level of experience as a buyer, whether you're a seasoned pro or a first-time purchaser, it is imperative that you approach this decision with utmost caution and diligence.

Why Do You Want to Buy?

Are you tired of renting? Have you reached a point where you're ready to take control of your living situation and start investing in your own mortgage? Perhaps your current home no longer meets your needs and you're seeking a bigger space. Alternatively, you may be eager to move out of your parent's house and establish your independence. Maybe you're considering real estate as a means of expanding your investment portfolio. Are you yearning for a change in surroundings, or hoping to shorten your daily commute? Are you specifically interested in residing within a certain school district? Clearly defining your motivations for purchasing a property will guide you toward making the right decision. The ownership of real estate holds immense value, whether you're seeking a dream home, a rental property, or a means to grow your investments. By investing in property, you have the opportunity to build equity and achieve a higher return on investment, all with relatively low risk.

Are You Ready to Buy?

Before you start shopping for your property, it is a good idea to make some preparations.

Create A Budget

Creating a budget is an important first step, taking into consideration existing bills and financial obligations. Next, you will need to add in future expected mortgage payments and bills (hydro, gas, water, taxes, insurance, internet, etc.).

Check Your Credit Rating

Your credit rating will have a huge impact on what type of property you can buy, and at what price. It is recommended that you check your credit rating with an experienced lending institution.

Get Pre-approved for A Mortgage

If you're planning on purchasing a home, it's essential to get in touch with your bank or mortgage lender. By doing so, you can thoroughly assess your financial situation and undergo the process of pre-qualifying for a mortgage, ensuring that you're well-prepared for your home-buying journey. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and investment real estate fields.

Chose A Real Estate Agent

When it comes to purchasing a property, there are numerous financial decisions to make, complex issues to tackle, and ample paperwork to complete. However, having a knowledgeable expert by your side can prove invaluable during such a substantial transaction. I will not only assist you in navigating this intricate process but also offer exclusive access to property listings before they become available to the general public. Let us be your trusted guide in achieving your real estate goals.

Here are some factors to consider when choosing your real estate professional.

• Look for a full-time agent who has experience completing transactions similar to yours.

• Ask about their credentials and education. A good agent continually strive to improve and gain knowledge of the latest real estate trends and strive to achieve the highest designations in their field of expertise.

• Does the agent return your calls promptly? Time is key when attempting to buy a property, the market is constantly changing.

• Choose an agent who listens attentively to your needs and concerns. Most importantly chose and agent that you feel comfortable working with.

Time to go Shopping

Once you have completed the necessary preparations, it is time to begin searching for the perfect property. Take the time to familiarize yourself with different neighborhoods, buildings, or subdivisions. Go for a drive around the area to get a sense of what it would be like to own a property there. Choose a few properties that catch your interest and get in touch with your real estate agent to schedule visits. Once you have found the property you want, your agent will assist you in making an offer to the seller.

Moving In

If you have come this far, it means it almost time for Congratulations, but don’t forget to tie up these lose ends.

Final Walk-through of the property

Visit the property to verify that everything is in good working order, everything is the same when you last viewed the property, there are no extra items left behind, and that everything included in your purchase agreement is still remaining at the property.

Arrange Insurance

Contact your insurance company and provide any required information to set-up your house insurance before closing day.

Set-up Utilities

We will provide a list of helpful numbers and websites for the activation of home services and utilities.