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# 1 Our initial meeting is a critical first step to buying a home

During this initial meeting, we go through all the steps to

purchasing a home to understand your needs as a buyer.

#2 - Acquire a Pre-approval to Determine the Purchasing Parameters

Viewing homes without a pre-approval can lead to disappointment.

Wise buyers discuss their financial situation with a reputable lender

and acquire a pre-approval before a home search. A pre-approval

creates an opportunity for you to not just understand what you

qualify for, but decide what you can afford as well. Having a preapproval

greatly enhances your negotiating position - especially in a

competitive market. Offers presented with a pre-approval letter

provide a better probability of being accepted and result in

increased negotiating power.

#3 - Viewing Suitable Homes

There are four criteria every buyer uses to find their home: location,

price, size and style or condition. These criteria, along with your needs

and wants, will determine the properties we search for and the

homes we initially view. I will provide insight and experience to assist

in determining which homes will provide you with the highest value.

The process of viewing homes provides you with the information to

make the best decision possible. Helping you find a home is a process

of elimination, not a process of selection. Viewing homes in person

and not just online to determine what you like helps you accurately

see the room sizes, condition and privacy of the home and

neighbourhood. I will offer different options and pose a variety of

questions when viewing homes to help you examine all angles.

#4 - Write the Contract, Deposit Money and Perform a Home


The best way for buyers to prepare for the contract phase of the

transaction is to review a blank copy of the purchase contract.

Reading the contract prior to making an offer will make you much

more comfortable during the negotiation phase. We will also go

through the purchase agreement in detail. My position is to make

sure you are legally protected in your home purchase.

Placing a deposit on the home is the best way of communication to

the seller that you are serious about purchasing their property.

Deposit money is kept safe in a trust account until those funds are

used to close the transaction. Funds must be in our trust account

within 24 hours of offer acceptance unless otherwise specified in the

offer. The deposit amount is generally a minimum 5% of the intended

purchase price.

After the contract is fully accepted and all terms are agreed upon, a

home inspection can be performed if the contract allows. The

inspection will allow you and the inspector you hire to take a more

through look at the property. This inspection will give you a greater

understanding of the condition of the property you are purchasing.

#5 - Last Steps to Moving into Your Home

Removal of Conditions from the Contract:

After financing has been approved, we will work towards

removing all other conditions of the sale. All conditions must

be met and signed off by the date agreed upon in order for

the purchase contract to continue. Failure to remove the

conditions by the deadline results in voiding the offer to


After all conditions have been removed, the final documents

will be executed. Our office will forward all appropriate

documents to your conveyancing lawyer. Usually 1-2 weeks

before the closing date, you should set up your home

insurance, and your lawyer should be in contact with you to

sign all closing documents. If you have not been notified by

your lawyer, please do not hesitate to contact me.

At this time you can set up your power, water and any other

services to be transferred to your new home on your

possession date.

1 week prior to your possession date, I will be contacting you.

Once the money has been transferred, your lawyer will

authorize the release of the keys and I will arrange a time to

bring you the keys to your new home. Then it's time to move


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