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Real Estate Buyers Resources
For most people, buying a home represents one of the largest investments they will make in their lifetime. Whether you are buying your first home or are a seasoned buyer the more information you have will make the home buying process easier and wiser. The following information is designed to assist you in the home buying process.

Your Hedge against Inflation
Reasonably stable mortgage payments
Excellent Investment Vehicle

When is the Right Time to Buy?
Are you staying in the area?
Is a job transfer imminent?
Interest rates have an Impact.

How to Qualify for a Mortgage
Income Requirements
Salaried Employee
Hourly Employee
Commission or Salary plus Commission Employee
Your Employer pays a bonus
Part-time or Casual Employee
How important is your Credit Rating?
You have encountered Financial Difficulties
Check your Credit Rating
You don’t have a Credit Rating
Amount of Down Payment Required
Make your Offer Conditional
Free Mortgage Consultation

What Does it Cost to Buy a Home?
Closing Costs
Do your Homework

Tips for Negotiating the Best Price
Get a Pre-Approved Mortgage
Get the Most Recent Sales
Three Important Influences
-Real Estate Market Conditions
Sellers Real Estate Market
Buyers Real Estate Market
Stable Real Estate Market
Competing with other buyers
What is the Sellers Motivation?
How much should I offer?
What is the amount of deposit required?
Comparable sales for town homes and condos
How important is an inspection?
Buying an acreage
Buying a New Home
Do a Walk-thru on Possession Date
New Home Walk-thru (Deficiency List)

Your Relationship with a Realtor
What can you expect from your Realtor?
Can a Realtor represent both Buyer and Seller?
If the Realtor does not represent you
Your Privacy

-How is my personal information collected?
-To whom may my personal information be disclosed ?
-Why is my personal information collected, used and disclosed ?
-Will my personal information be used for other purposes ?

Your Responsibilities as a Buyer





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