Analyze your needs in a consultation. Let’s discuss what you’re looking for, where you are in the home buying process and the road map to get there. No pressure just information to help you make informed decisions
Hire a Realtor. Who you work with matters, it may be your biggest investment so work with a realtor that you feel comfortable and confident working with; that will always put your interest first.
Get Pre- approved for financing. A pre-approval creates an opportunity for you to not just understand what you qualify for but ultimately decide what you can afford.
Select suitable properties for viewing. Choose properties to view that are based you’re your primary criteria: location, price and style/condition.
View properties with your Realtor. The process of viewing provides you with information to make the best decision possible. Helping you find a home is a process of elimination not a process of selection.
Write and offer with conditions. I will assist you through this process by reviewing the contract before the process begins so that you are comfortable with the document and the elements required in the offer.
Negotiate the price and terms. help you prepare for and successfully negotiate a Contract for Purchase and Sale that protects your interests.
Begin the offer acceptance. Once the offer has been agreed to by both the buyer and the seller the hard work of due diligence begins.
Finalize the financing. Pre- approval is just that; your mortgage broker will need to know the details of the property you choose to buy in order to obtain final approval. They will want to view the feature sheet, the accepted offer and may require an appraisal.
Satisfy the conditions. There are various conditions that can be included in the offer to protect the buyer; this is your opportunity to carefully review all the details about the home such as the title document, building permits etc. Review the documents
Home inspection. Obtain an inspection by a certified home inspector. They are specifically trained to assess the condition of the various components of the home.
Remove conditions. Once your due diligence has been done and you are confident proceeding, remove the subjects. The sale will then be considered a firm sale and a sold sticker will be place on the sign post. The deposit cheque given is held in trust until completion date.
Lawyer. Schedule an appointment with your lawyer about a week prior to completion to sign the legal paperwork.
Arrange utilities and home insurance. Set up or transfer existing services like BC Hyrdo, Fortis gas, Shaw Cable or Telus and make sure your home insurance is in place for completion date as this is the date that the risk transfers to the Buyer.
Completion. The date that the funds are transferred to the Seller and the Title transferred to the Buyer at the Land Title office.
Possession. On possession date you will get the keys to your new home and move in.