BUYING

#MYSPECIALTY!

When purchasing a property you are faced with a multitude of decisions! You must examine everything from your finances and the state of the local market to your personal preferences and commitment to ownership of the property. Once you decide that you're ready, that's when the work really begins!

Purchasing a home is not always an easy task. Obtaining financing can be a complex and tiring process. Visiting properties can be time consuming and discouraging. And in today's market where multiple offer situations are not uncommon, the perfect home can suddenly slip away.

Working with a real estate professional, like me, is one of the best decisions you can make. Engaging my professional services and advice will help you demystify the real estate process and ease your stress as you make one of the biggest purchases of your life.

READY, SET, WHAT DO I DO?

QUESTIONS AND MORE QUESTIONS

It all starts by answering the "W5" questions in regards to buying a property. Once you do, I will help you drill down even further!

Why do you want to buy a property?
When do you want to buy?
Where would you like to buy?
Who is buying and who will live there?
What type of property do you need?

It's good to be specific and know what you want, but don't get overwhelmed! My job is to help you help you zero in on what's important and to separate the "must haves" from the "want to haves".

FINANCES

Set your budget and determine how you will finance your purchase. Setting a realistic budget is an essential part of targeting our search for properties within your financial comfort zone. It also helps us avoid the heart break of you falling in love with a home which is currently out of your financial reach.

An important part of establishing a realistic budget is to obtain pre-qualification for any loans and/or mortgages you need in order to make your dreams of purchasing a property become a reality. There are a variety of approaches you can explore for this including contacting your usual financial institution, or you may want to consider engaging the services of a professional mortgage broker.*

My experience has taught me that the purchasing process is much quicker and smoother when you are a financially pre-qualified buyer. Being pre-qualified for financing is also very attractive to sellers and can sometimes make the difference as to whether your offer is accepted or not.

*A word on mortgage brokers - While using the services of a mortgage broker may sound unfamiliar or daunting, like realtors, they work for their client to obtain the best available deal for their unique cirrcumstances. Coldwell Banker Parker Realty works closely with Lori MacDonald, a mortgage broker with The Mortgage Group. You can find out more about what mortgage brokers do and the services they offer by visiting the TMG website here.

LET THE SEARCH BEGIN

This is such an exciting time for you! You know what you are looking for and your price range. Now, let's see what's available!

In addition to personally beating every bush, and leaving no stone unturned to find your property, I use the best possible resources and communication systems available to set up your search with an automated notification system. This system lets you know as soon as a property matching your specifications goes on the market and has proven proven to be a very efficient communication tool for my buyers and I. In today's hot market, timing is everything!

You may find the right home immediately, or it might take some time. Don't lose heart. My job is to show you the properties that interest you. Your job is to dream and be open to possibilities.

THE OFFER

You've found it! Now to make it yours requires a negotiation of the terms of sale. I will guide you and remind you of things to consider while you decide on what to include in your offer. I prepare all of the paper work on your behalf and represent you in all negotiations and dealings with the listing agent and/or seller. It may take some back and forth before you and the seller come to an agreement, but don't worry, I've got your back.

FROM OFFER TO CLOSING

Yay - an agreement has been reached! Boo - there is still lots to do!

Often an offer is made with conditions of purchase which the buyer agrees to address within a short period of time following the offer. Conditions generally include: confirmation of financing; an insurance inspection; a house inspection etc. Depending on the circumstances, there may also be other steps or conditions of sale to address before a sale is deemed complete.

Once the conditions of sale are met, the legal process of transferring ownership of the property from the seller to buyer begins. This step and ownership of your new property is only complete upon the transfer of funds and signing of documents with your lawyer on closing day.

AS YOUR REALTOR I WILL BE THERE EVERY STEP OF THE WAY

As your realtor I will be there with you every step of the way - from our first contact to pre-closing walk through and acceptance of your property on closing day.

As your realtor I know the market and can provide expert advice on value for money, market analysis, other available options, and best fit for your identified needs.

As your realtor I am working to get the best deal for you. I will beat the bushes to help you find your property and will negotiate your interests with all other parties.

As your realtor my top priority is to expertly navigate you through all the business processes and create a home buying experience that is efficient, financially beneficial, and enjoyable.

As your realtor I know just how much time, money, effort and emotion go into buying a property! I have your back, and once you are settled into your new home you will see that it was all worthwhile!

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Please fill out the form so I can know what you're looking for and I will monitor new listings as they come on the market and alert you when we see properties that match your specific criteria.

Help you find a home that meets your budget, overall needs and location
Negotiate aggressively on your behalf and provide guidance in negotiating offers
Provide consistent and timely communication throughout the buying process
Help coordinate inspections and appraisals
Attend home/Insurance inspections and appraisals representing the buyer
Work with buyer in managing loose ends for closing

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