Thinking Of Buying

ARE YOU READY TO BUY

PREAPPROVAL: Contact a mortgage broker

1) Be ready to act. Don’t get caught in a situation where you finally find the house of your dreams and you need to check with your lender, hot listings still sell quickly.

2) Determine what the monthly payment is comfortable for you. If you are renting and want to maintain a similar lifestyle use your rent payment to determine what you want for a mortgage payment. Don’t forget to include property taxes in your calculations.

FINDING AN AGENT:

1) Start by asking friends and family for a recommendation of an agent. (over 80% of our clients are referrals) Speak with agents on the phone and find someone you are comfortable with who works with buyers, then try meeting for a coffee to make sure this relationship is going to work for YOU. If they don’t have the time then don’t waste yours

2) Don’t forget agents see the listings on the MLS before the public so get a jump on other buyers plus we do many transactions that never hit the market.

KNOW ALL THE COST TO CLOSE: No closing day surprises

Deed Transfer Tax, Legal Fee, Title Insurance, Tax adjustments, Inspection Fee, Appraisals, any closing adjustment.

FINANCIAL MISTEPS:

Take care to not be late on any payments or increase your debt as you get close to your home purchase. The hangover of the debt crisis has caused financial institutions to be more stringent in their lending criteria. Last year we had someone switch jobs the week of closing and the lender backed out on a lending commitment!!

OK START LOOKING

THINK LIFESTYLE & LOCATION:

No point finding the perfect affordable home in an area you don’t want to live. Do you walk to work now and don’t want that to change? Want room for dogs? Want good schools? Need a bus route? Do up a wish list or must haves.

VIEW PROPERTY:

You have to kiss the odd frog to find prince. You need to commit time to looking and find an agent who is willing to invest that time. If your agent tells you to view properties by calling the listing agent and they will come with you when you find something you like- run in the direction of someone who is willing to work with you and for you.

MAKE THE MOVE: Don’t wait, get out and find yourself a house and start enjoying home ownership. Waiting could be costing you money.

Wealthy People Own Real Estate!

Send an email to info@avalonrealty.ca

Buying Services for Halifax Home Buyers

Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact us if you have any questions about buying a home in Halifax or elsewhere in Nova Scotia.

Below, select desired reports and complete the form provided.

		Avoid Common Buyer Errors Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
		But Do You Need It Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
		Buying Your First Home Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
		The Right Home at the Right Price This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.


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Thinking Of Buying

Buying Services for Halifax Home Buyers