- Getting a mortgage prequlification
- Buyer Services
- Why Buy?
- Do I Need A Sales Representative?
- Why Choose A Sales Representative?
- Five Criteria For Buying
The Recommended First Step
Whether you are a new home buyer, downsizing or upsizing...this is good information for anyone looking to make a move in the future.
A Mortgage Pre-approval
A pre-approved mortgage gives you an edge. Before you even go house hunting, you will know the size of your mortgage, the interest rate, and the size of your monthly mortgage payments. With your financing already mapped out, you can concentrate on finding the right home in your price range.
A pre-approved mortgage certificate is a written commitment, by a lender, that you will get a mortgage for a set amount of money, at a specific rate of interest that is guaranteed for a set period of days. The commitment is made subject to a property assessment. The service is free and without obligation.
To obtain a pre-approval, a lender evaluates your credit history, and calculates your housing and debt ratios.
Some of the things you will need to have with you the first time you meet with a lender are:
· Your personal information, including identification such as your driver's license
· Details on your job, including confirmation of salary in the form of a letter from your employer
· Your sources of income
· Information and details on all bank accounts, loans and other debts
· Proof of financial assets
· Source and amount of down payment and deposit
· Proof of source of funds for the closing costs (these are usually between 1.5% and 4% of the purchase price)
A pre-approved mortgage also puts you in a strong bargaining position when you make an Offer to Purchase. It legitimizes you as a serious buyer, and may give you additional negotiating leverage if a seller has no other pre-approved buyers. If the seller wants to make a quick sale, you may be able to negotiate a price lower than the list price, because the seller knows that you are a serious buyer. On the other hand, if several people are bidding on the home you want, you may decide to offer to purchase at the list price, to beat out earlier offers.
Speak to your recommended Mortgage Specialist today!
Owning your own home is a universal and timeless dream.
I can and will help you buy your dream home!
In many ways, this dream is more accessible today than ever before. However, one of the first realizations a prospective home buyer often comes to is that the "dream home" does not always seem affordable.
Buying a home has changed in the New Millennium. Before, buyers usually shopped for the best house they could find, then "took out” a loan to pay for it. Today, prospective buyers must shop as thoroughly for the best financing as they do for the best house.
No One Treats You Like i will..every client is treated like my only client!
At the core of my remarkable success is my pledge of Higher Standards. Instilled in each and every one of my transactions, My pledge is a unique commitment to professional conduct and excellence in customer service.
That pledge, along with a strong dedication to community involvement, assures clients that they are dealing with ethical, knowledgeable and a caring Sales Representative. What differentiates me from my competitors, is my Higher Standards of service to you!
There Are Many Good Reasons To Buy Your Own Home
Buying a home is a wise decision because property is one of the best and most secure investments available. Rarely, if ever, does Real Estate decrease in value. Depending on the area in which you live, buying a home may boast significant tax advantages over renting. Equity is another consideration. The equity you build as your home appreciates in value will allow you to borrow for expenses like a new car or college tuition. Your home’s equity is also the ideal down payment on the purchase of a second home or an "escape property" or vacation residence.
Buying a home also has several emotional advantages. The independence of ownership means that you’ll no longer have to worry about rent increases and the demands of a landlord. Another advantage is a homeowner’s power to personalize! When you own your own home, you can paint and decorate as much as you want. It’s your place!
Do I Need A Sales Representative?
An Important Question Before You Start Looking
Many potential homebuyers may wonder, do I really need a Sales Representative? In a word: Yes! A committed and professional Sales Representative will make the complex process of purchasing a home both simple and painless. A good Sales Representative should:
- Know market conditions in your community.
- Show updated knowledge of financing and mortgage rates
- Know what is negotiable in a contract and what is not
An experienced Sales Representative will also understand the complexities and importance of:
- Zoning and building laws
Buyer Representation Agreement
A written contract called a Buyer Representation Agreement establishes "Buyer Agency". It explains services the company will provide, establishes a fee arrangement for the Sales Representative's services and specifies what obligations a buyer may have.
The buyer's Sales Representative works for the buyer and is legally obligated to look after their best interests throughout the entire real estate transaction.
This Sales Representative owes full fiduciary responsibilities, duties and loyalty to the real estate buyer.
Why Choose me as you Realtor?
I Know Your Community
I treat every client like they are my only client!
I will always have your best interests at heart!
I will get you the best deal on your purchase and sale!
Living and working in your area,I am in an ideal position to help you find exactly what you are looking for. I am knowledgeable of area market conditions, including prices and availability. Additionally, I have access to the latest financing and mortgage rates, helping to ease the stress of buying.
I also understand the many legal complexities of buying, including titles, taxes and surveys.
As a professional Sales Representatives I know what is negotiable in a contract, helping you secure the best possible terms on the home’s purchase.
How do I know as much as they do? Knowledge and Experience.
I take continuous training at to ensures that I develope and keep current of all changes in the Real Estate industry and Market. This knowledge is needed to serve my clients in the best possible way. Experience makes me the Sales Representative expert in my field, as I make more Real Estate transactions in a year than some will make in a lifetime.
It is also comforting to know that my performance as your Sales Representative will be fully accessible. In fact, I give you my "Pledge of Availability", which states that I will be available when and where you need me, including evenings and weekends.
The Power Of MLS
Through my association with Toronto Real Estate Board I have access to resources not readily available to the public.
One such resource is the Multiple Listing Service (MLS), an electronic Real Estate database. Though this is a similar site to teh Public version of it mls.ca, our MLS system is is updated immediately and your MLS.ca site can have a lag of 12-72 hours for listing to be posted....which means you can miss out on those "good ones" that move fast.
The MLS offers much more information about a home then one could find anywhere else, including utilities and Real Estate taxes.
The MLS also contains the recent sale prices of homes in a specific area or community. This information will help you determine the true value of any home you may be interested in.
The MLS is updated in real time, meaning that I have access to homes the minute they’re listed. Best of all, The MLS includes many houses never promoted for sale by a lawn sign or advertised in a newspaper, giving you access to homes you may never have considered otherwise.
Five Criteria For Buying
When Looking For A Home, You Should Seek Out:
- A Home that suits your needs
- A suitable location
- The Best Possible Terms
- The Best Possible Price
- All Of The Above In The Most Convenient Way Possible.