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Buying Imagine buying your dream home. Let us help you make it happen

Whether you are a first time home buyer or current home owner seeking to make a change, this life changing decision to buy a new home is something to be celebrated.

The home buying process does not have to be complicated with the right team to help you through the process.  First step, eliminate any financial surprises and get a Mortgage pre-approval from a Bank or Mortgage Broker.  

Note, there is a difference between getting “pre-qualified” and “pre-approved”.

A “pre-qualification” is a general idea of the amount you may be able to qualify for once the required documents have been submitted and reviewed.

A “pre-approval” is a commitment from a lender stating the amount they are willing to lend you based on their detailed analysis of your income, debt ratio, tax returns and credit history.

Before starting your search, you want a “pre-approval” which tells you how much you are able to finance through a loan, what your monthly payments will be, the required deposit and other upfront costs and monies needed at closing.  Besides your monthly mortgage payments you will have additional expenses that you did not have as a renter.  Create a budget that works for you.

With your pre-approval in hand, next find a full time Real Estate Agent that you will be comfortable working with. This may be your greatest financial investment so who you choose to help you with your search is important.  Your Agent should be someone you can trust to provide you with the information you need to make an informed decision.

Do not allow the process to overwhelm or dissuade you. House hunting can be fun.  Take one step at a time. Your agent can help you identify your “wants” and “must halves”.  When creating your list be realistic and keep in mind your budget, the type of homes in the area and your essential needs. It’s important to be flexible and willing to compromise.  Almost every home you look at will need some improvement or change to accommodate your preferences.

Throughout your search keep in mind why you are on this journey.  It will be a place to create wonderful memories, build equity, provide tax benefits, add to that feeling of accomplishment.  Yes, the rewards of owning a home are priceless!

Need help taking the next step? Contact Us; we’re ready to help you find the right home and get the best price.


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