Buying a Home


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Buying a Home Guide

Buying a Home Guide Step 1. Search and interview multiple real estate agents You will be spending a lot of time with your real estate agent, so ensuring you feel comfortable with him/her will help make the process fun, even in stressful times. Step 2. Get pre-approved for a mortgage Your real estate agent will be able to help you find a reputable Mortgage Broker or provide you advice on what to ask your bank to get pre-approved for a mortgage. It is always a good idea to get pre-approved for a mortgage BEFORE you start looking at homes, so you know how much you can afford. Step 3. Sign a buyer’s agreement A buyer’s agreement is a contract protecting you and your real estate agent during your home buying process. It is recommended that you sign a buyer’s agreement with your real estate agent after a few home showings. Step 4. Put in an offer When you find a home you love now is the time to put in an offer. Your agent will walk you through the legal contract and advise you of what you should or shouldn’t…

4 do's and don'ts of buying

4 do's and don'ts of buying Thinking of buying your own place? It’s normal to feel a little overwhelmed. After all, it’s the biggest purchase you can make. In an effort to remove some stress from the equation, here are a few tips from the experts. What to do when you’re a first-time home-buyer: 1. Get pre-approved. A down payment of 20 per cent is a “rarity” with first-time buyers, but that’s how much you have to have down if you want to avoid paying CMHC’s mortgage default insurance. It’s calculated based on the size of your mortgage and how much money you have down.Your credit is one of three factors that will be considered before you get approved for a mortgage. The other two are income and your down payment. Of course the bigger the down payment, the smaller your loan (and overall interest charges) will be. One way to help boost your down payment is to borrow money from your RRSP. First-time buyers can pull out $25,000 tax-free and have 15 years to pay it back. If you’re buying…

Avoid Groaning Over Your Zoning!

Avoid Groaning Over Your Zoning!

Waterfront Properties

Waterfront Properties

Septic Tank - The More You Know!

Septic Tank - The More You Know!

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