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If you are ready to make a home purchase, let me embark with you on this exciting journey...    

 

 You are choosing a 'Real Estate Agent' who is also a REALTOR®. In Canada, licensed REALTORS® are members of their local real estate board, a provincial association and the Canadian Real Estate Association. This system of membership ensures the highest level of service and that you are always treated with honesty and integrity. This is backed by the REALTOR® Code of Ethics.

Using me as your REALTOR® = first-class service and results.

I work on your behalf to find you that perfect home and negotiate hard for you when the time comes. I provide a strong team of support experts (mortgage brokers, home inspectors, lawyers, engineering reports, etc.) to save you time and money, and to ensure that you are well informed and your interests are well protected. 



 STEP BY STEP BUYERS WALKTHROUGH

 

 
1)     First we will discuss your financial comfort zone.  The process of buying a home or investment generally starts with determining your buying power; that is, your financial reserves plus your borrowing capacity. If you give me some basic information about your available savings, income and current debt, I can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices. I can help you save thousands of dollars in the financing and purchase of your home through my network of mortgage brokers who will help you get the best rate and terms for your mortgage! (Don’t forget: it’s not the buyer who pays the mortgage broker – it’s the lender! Why wouldn’t you want someone else on your team for free?)

 

2)    I meet with you to go over my House to Home Wishlist so that I can understand your special situation, your family’s needs, lifestyle and timing issues as they relate to your intended move.

 

3)     We will map affordable/desirable areas that fit within your price range and take into account all of the amenities you would like in your neighbourhood, and features you want in your new home.    

 

4)     We will discuss legal processes, home inspection, and costs related to the purchase of a home. You will receive your own copy of my Buyers Information Kit full of helpful tools and tips, and explaining all processes and the needs of all parties associated with your purchase.  This ensures that when the time comes, you are ready and able to make an informed decision with confidence.

5)     You will start to receive regular email updates from the listings database with properties that match all of our discussed criteria.

 

6)     I visit properties for my buyers before I bring them to the public open house. This gives me a better idea of whether it suits your requirements, and is worth your time. Let me do that work, so that you don’t have to! Because of my active profile in the industry, I often learn of new properties for sale before they are listed, so you are able to view the home FIRST!

 

7)     We will meet at my office and drive together to opens, so that we can chat about the various properties, and what you did/did not like. I can never have too much information from you about what you are looking for. Plus, it’s more enjoyable this way!    

 

8)     Once we find you the property of your dreams, my job as your agent is to represent your best interests using my strong and proven negotiation skills to get you the best price possible, and ensure a smooth transfer and possession of your new home.

9)
     I will provide you with a written comparative market evaluation of the home you wish to put an offer on. This will help you in making informed and objective decisions as to the fair market value of your new home

 10)   Offer – I will Prepare the Contract of Purchase and Sale of your new home. Ensuring that your interests are protected by the correct conditions (i.e. Subject to Financing, Subject to a Property Inspection).

 

11)   Acceptance – YAY!

 

12)   Removal of Subjects – This is where we get to make sure that everything is tip top. I will provide you with several recommendations for a Property Inspection Company, and will be in attendance with you at the inspection. I will Obtain quotes for you for the legal transfer of your property into your name, send all required documentation to your lender, send all of the documentation to your Lawyer or Notary for you, keep track of all-important dates in your transaction and ensure that everything is running smoothly, and lastly, follow up with your Lawyer or Notary just prior to Completion to ensure a smooth closing. I can cut through the red tape when documents need to be processed, deliver copies to all parties, coordinate lender mortgage advance, communicate with lawyers, and generally monitor the process and progress.   

 

13)   Closing – YAY! This is when the title to the property is officially changed from the past owner, to YOU!  

 

14)   Possession/Adjustment - YAY! Last but not least, I present you with...keys to Your New Home! This is the day you gather all of your friends together for move in! I will arrange with the selling Agent that move-in instructions, keys, mail-box keys, manuals, parking stall and locker numbers, etc., are all clearly marked for your convenience on arrival at your new home, so that your move-in day is an enjoyable and exciting one.  The Adjustment Day is also the day all tax/utilities payments are switched to your name.

I am available on my direct line and return all of my calls promptly, because I am proud of my reputation for exceptional service. I offer support, service and advice through the entire home search and purchase cycle, including negotiations, writing fair and enforceable contracts, subjects and subject removal, and closing. I can help you select closing and possession dates that will work best for you, ensuring your home buying is as smooth and hassle-free as possible. I will advise you on all purchase costs associated with your move to ensure there are no surprises, helping you plan ahead!  



                                         FOR FIRST TIME HOME BUYERS

 

Instead of the standard deduction on your income tax return, most homeowners itemize their deductions, allowing them to deduct the following (and save on taxes): home mortgage interest, property real estate taxes, state income taxes, gifts to charity, medical and dental expenses over 7.5% of your income, personal property taxes, and most moving expenses.

Figure your monthly payments if you were to buy. Compare your monthly rent to a calculation of the following: purchase price and down payment of your home, your annual income (and debt!), property tax rate, home insurance rate, interest rate and length of loan. For best results, contact a home-buying specialist.

 Other costs
Expect other costs to homeowning. Along with your monthly mortgage and down payment, there's property tax and homeowners insurance premiums, and fees known as "closing costs." These include everything from a credit check to "points"- interest paid up-front in return for a lower interest rate. Others: title insurance fee, survey charge, attorney/escrow fees, and loan origination. So do your research!

 Long-term equity
No discussion of home ownership is complete without considering the long-term benefits of owning. What your house will be worth when you sell depends on the state of your mortgage and the housing market, in particular. Consult with real estate professionals, read up, and do your math to get a realistic sense of your future home value.

 Lifestyle and mobility
Mobility is part of renting. Freedom to take the next job or move for a relationship is easy to come by when you rent a home. And when you do move, there's often more choice of specific location, and price, when you seek rental housing.

Many renters say they love knowing they're not tied down - and don't have to assume financial responsibility for their living space. This is of course a big difference from home ownership: who does the work.

Who does the work
While you don't receive the joys of making a place truly "your own," you do have limited costs in renting. Landlords are responsible for general upkeep and safety, allowing you to focus on the fine points. Homeowning, in contrast, puts you in the driver's seat. You shoulder the expenses and reap the rewards of home improvement - both great and small. Think about whether you want to put in additional time and money.

Choices, choices
Whether you decide to take the step of home ownership is a personal choice with its own ups and downs. Hopefully I've helped dust off the magic ball a bit; what you see in your future is up to you!

   

 

                                              Making the Transition from Renting to Buying

   

 Here are a few points to consider as you weigh the pros and cons of home ownership.

No doubt you've thought of how nice it would be not to write a rent check every month, but have you done the math? Nothing can make you feel more secure than owning your own house, unless buying a home will create financial problems of its own! Here's a discussion of the most important financial costs associated with home buying to stack up against your monthly rent check.

Instead of the standard deduction on your income tax return, most homeowners itemize their deductions, allowing them to deduct the following (and save on taxes): home mortgage interest, property real estate taxes, state income taxes, gifts to charity, medical and dental expenses over 7.5% of your income, personal property taxes, and most moving expenses.

Figure your monthly payments if you were to buy. Compare your monthly rent to a calculation of the following: purchase price and down payment of your home, your annual income (and debt!), property tax rate, home insurance rate, interest rate and length of loan. For best results, contact a home-buying specialist. (More detailed payments and costs charts to follow)

Other costs
Expect other costs to home owning. Along with your monthly mortgage and down payment, there's property tax and homeowners insurance premiums, and fees known as "closing costs." These include everything from a credit check to "points"- interest paid up-front in return for a lower interest rate. Others: title insurance fee, survey charge, attorney/escrow fees, and loan origination. So do your research!

Long-term equity
No discussion of home ownership is complete without considering the long-term benefits of owning. What your house will be worth when you sell depends on the state of your mortgage and the housing market, in particular. Consult with real estate professionals, read up, and do your math to get a realistic sense of your future home value.

Lifestyle and mobility
Mobility is part of renting. Freedom to take the next job or move for a relationship is easy to come by when you rent a home. And when you do move, there's often more choice of specific location, and price, when you seek rental housing. Want an apartment near a park in western Philadelphia? You may find an easier time looking to rent than buy.

Many renters say they love knowing they're not tied down - and don't have to assume financial responsibility for their living space. This is of course a big difference from home ownership: who does the work.

Who does the work
While you don't receive the joys of making a place truly "your own," you do have limited costs in renting. Landlords are responsible for general upkeep and safety, allowing you to focus on the fine points. Home owning, in contrast, puts you in the driver's seat. You shoulder the expenses and reap the rewards of home improvement - both great and small. Think about whether you want to put in additional time and money.

 Choices, choices
Whether you decide to take the step of home ownership is a personal choice with its own ups and downs. Hopefully I’ve helped dust off the magic ball a bit; what you see in your future is up to you!