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INTRO
Buying a home can be one of life's most fulfilling experiences and one of the most challenging. The more prepared you are at the outset, the less overwhelming the buying process will be.
From selecting a real estate professional to finding out what type of home you can afford, the following tips help take the anxiety out of buying a home.
Avoid any surprises by having Ben Rotteveel guide you through the necessary steps. Rely on his expert advice to keep you informed and prepared. It's just one more way that Ben Rotteveel takes the anxiety out of buying a home.
FINANCIAL
How much can you afford? What type of mortgage is best for you? How much should your down payment be? Are you eligible for the RSP Home Buyers Withdrawal? What payment frequency should you choose?
Finding the answers to all your questions about mortgage financing can be a time consuming and strenuous exercise. Ben Rotteveel can provide you with the resources you need before buying your home including information and advice on financing options, mortgage terms, loan types and how to get the most for your money. In addition, our relationship with The Mortgage Alliance Company of Canada ensures that we can provide our customers with the best rates and options available.
Do you know how much money will be needed in order to close your deal? Besides the basic purchase price, buyers face legal fees (plus GST) and disbursements (plus GST), which are the out-of pocket expenses a lawyer/notary incurs. Then there are closing adjustments with the seller - taxes, rental income, condominium maintenance, and some utility charges. And don't forget about the costs of arranging a new mortgage which can include application and appraisal fees. For a resale home, these "extras" can easily add 1½% to 2% onto the basic purchase price.
Do you know what needs to be done after the deal is closed? Once your offer has been accepted the work has just begun. Future steps include arranging for monthly mortgage payments and property taxes, finding the right insurance coverage, transferring your utilities and arranging for your move, among others.
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Selling a home can be one of life's most challenging experiences. The more prepared you are at the outset, the less overwhelming the selling process will be.
From selecting a real estate professional to finding out what steps you can take to ensure a quick sale, the following tips will help take the anxiety out of selling a home.
Tips
What can you do to prepare your house for showing? What small steps can be taken to increase your chances for a quick sale? Efforts to improve the appearance of your house can contribute greatly to its marketing success. Small efforts such as
- replacing defective light bulbs,
- repainting walls and/or exterior,
- repairing damaged trim areas around doors and windows,
- cleaning and replacing damaged carpets,
- always have a freshly mowed lawn,
- and adding finishing touches such as fresh flowers can make all the difference.
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Our Home Buying Services!
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 I take the buying process as seriously as my buyers do, therefore I offer nothing but the highest quality of service to my clients. When you decide to purchase your home, make sure you hire someone whom you can trust and someone who wants to earn your business. Buying your home is one of the most important purchases you will make, so make sure you have the right agent who can provide you with the experience and the service you deserve.When you understand current market conditions, you are better able to position yourself as a Seller. It helps to know if you are in a Seller's, Buyer's or Balanced market when setting your asking price. In a Buyer's market there is a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price.
Here are some of the steps I will take to find your perfect home:
Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet you needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.
Help You Get Pre-Qualified
 This step will show you how much you can afford. This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.
Home Shopping
I will use every available method to locate a property that matches your search parameters. This will include properties listed with my office, offered through other real estate companies, as well as unlisted properties. I will disclose all known facts about the property that are likely to affect your decision. When I find the home that meets your criteria, I will assist you in writing an offer and act as a liason between you and the seller. |
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