Let Us Help You Every Step Of the Way
As a top Vancouver area Realtor, with years of experience and a proven track record, it is my job to guide you through this complicated process from beginning to end. Contact me today and together we will prepare a unique system to suit your particular needs and goals. From helping you find your dream home to closing the deal - and every small or large step in between - I will be there to ensure your journey to life behind a new door is a smooth one!
When purchasing a home, you are faced with a multitude of decisions. Finding that perfect home is not an easy task and obtaining a mortgage loan can be a complex and tiring process. Once you've made the commitment to reach that home-purchasing goal the rewards you can achieve are unquestionable.
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Assisting you every step of the way, We make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. We help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and guide you through the myriad of details attending the actual purchase.
We have our finger on the pulse of the real estate market and know neighbourhood values inside and out. We will help you determine which properties are fairly-priced and in good condition before you start your search.
Your First Step
Your first step in the home-buying process is to define the reasons why you want to purchase a new home. To stop paying rent? To start building equity? To have a place of your own? To raise a family? To move up to a bigger house?
Determine the style of home you prefer and the area in which you'd like to live. Be specific.
Develop your needs vs. wants list. Everyone has a picture of their ideal home. This home would include all of the features you not only need, but have long desired. However, when it comes time to buying a home, these desired features constitute additional costs. While it's nice to think about having an artfully landscaped backyard or built-in appliances, these are usually considered luxury items, which can add considerably to the price of your property.
Begin the list with items you absolutely need - like adequate room, garage space and number of bedrooms. How much space do you really need? Does your situation require a one-level home or are stairs acceptable? Basic needs should be considered first. After these have been established, you can consider additional features if you can manage these benefits financially. With such a list in your hands, you're less likely to be caught up in the excitement of the pursuit. You'll have a good idea of what you want, the features within your price range and whether or not you can afford those additional items.
Think of yourself as zeroing in on a target, going from the general to the specific. Consider real estate in Coquitlam, Port Coquitlam, Maple Ridge, Pitt Meadows, Port Moody or other areas and neighbourhoods (older and settled or brand new). Check out the neighbourhoods you're considering and ask around. What amenities does the area have to offer? Are there schools, churches, parks or grocery stores within reach? Consider visiting schools in the area if you have children. How will you be affected by a new commute to work? Are there infrastructure projects in development? All of these factors will influence the way you experience your new home, so ensure you're well-acquainted with the surrounding area before purchasing. To learn more about what to look for in a new neighbourhood, please visit our Special Reports section.
Your Next Step: **Arranging a Pre-Approved Mortgage**
You're ready to take the next step in the purchasing process: getting pre-approved with a Vancouver mortgage company. Once you've narrowed down your list, your next step in the purchasing process is to get pre-qualified for a mortgage.
While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford. This can be arranged with your own bank or with a mortgage professional, also called a Mortgage Broker (see the list on our links page). This can be done over the phone or even online in a matter of minutes.
When this is complete, you will receive a document telling you:
1) the maximum size of mortgage you could qualify for;
2) the annual rate of interest; and
3) the term the rate is protected for, usually 90 - 120 days.
Once this is done, you know your maximum price range and also know that you can feel confident in being able to purchase the home of your dreams.
Call us and we can refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
Let Us Find the Perfect Home for You
Once you've been pre-approved and know what price range you plan to stay within, we can help you determine which properties best fit your needs and wants, as it is a very time-consuming process to view every home available that meets your needs. We can do much of the work for you by establishing your needs, reviewing a range of properties and then advising you of potential matches. We have our finger on the pulse of housing trends and prices and access to the best possible resources and communication systems available today to help you locate homes in your areas that meet your specifications. Our comprehensive knowledge of the available homes in your prospective neighbourhood is one of our strongest assets.
Whether you are purchasing a starter home or a mansion, be aware of its condition before you complete the sale. Be sure to inspect. It is your new home!
We are here to Help You Every Step Of The Way
As top BC Realtors with years of experience and a proven track record, it is our job to guide you through this complicated process, from beginning to end. Contact us today and together we will prepare a unique system to suit your particular needs and goals. From helping you find your dream home to closing the deal - and every small or large step in between – we will be there to ensure your journey to a new life behind a new door is a smooth one!