BUYING A HOME
First Time Buyers
As a first time buyer, you are likely to have many questions
about selecting, financing and buying your first home. How
do we start looking for a home? How much money will we require
to purchase the home? How much will the mortgage payments
be each month and can we afford it? How does the home buying
process work and what can we expect along the way? These are
just a few of the questions you are bound to have at the beginning
of your exciting journey to buying your very first home!
We can provide the answers to your questions and walk you
through the entire process, from viewing potential homes, to
making an offer, to setting up mortgage financing. Although
buying your first home can be overwhelming, you can be confident
we will be available to help you every step of the way.
We can make buying your first home simple and straightforward,
eliminating any confusion and doubt, and allowing you the opportunity
to enjoy your first home, worry-free.
WORKING WITH A REALTOR
Deciding to buy a home is usually a complex process. The
role of the Realtor is to respect the circumstances of clients, provide a sense of comfort and assurance they
are buying the property at a fair price, and to help educate clients on Real Estate matters so they can make informed decisions. The "Working with a Realtor"
form provides an overview of the relationship you can expect
to have with your realtor.
[Click
here to download a copy of the "Working with a Realtor"
form in PDF format]
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HOW TO MAKE AN OFFER
When you have found a home you are interested in buying,
we will walk you through the process of drafting an offer
to purchase.
[Click
here for more detailed information on how to make an offer]
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TYPICAL EXPENSES
There are many costs homebuyers incur, especially upon
purchasing your first home that you should expect to pay.
Some of the expenses related to buying a home are one-time
costs, while others are continuing costs.
Your largest cost at the beginning is your down payment.
As a first time buyer, this would likely represent only 5
- 10% of the purchase price.
[Click
here to view what other costs you are likely to incur while
buying a home]
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FINANCING
Mortgage Brokers
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Cindy Bendixen
Mortgage Specialist
RBC Royal Bank
cindy.bendixen@rbc.com
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604.649-9388
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Shawn Kusch
Mortgage Consultant - Invis
shawnkusch@invis.ca
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604.598.9973 |
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HOME INSPECTIONS
A home inspection is an objective visual examination of a
home's structure and systems.
Why get a home inspection?
There are a number of reasons why we recommend a home inspection
including:
- To ensure you are not surprised by major defects
- So you can be advised about the various elements of the
home including - heating and cooling systems, structure,
electrical and plumbing
- To learn about how the mechanical systems work and need
to be maintained
- Most homeowners are not expert in the numerous components
of house construction
- A third party can be objective as there is no emotional
attachment
Home inspectors are often referred by family or friends.
Listed below are some professionals we have worked with before:
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