The reason why most Canadians purchase home ownership is because of pride. It is a investment into the future of your families security and stability. Ownership allows you be free of landlords, it allows you to reap any appreciation if you decide to make home improvements.
A recent trend that has spiked up sales in the condominium unit is due part to home prices increasing out of range. First time buyers seek this opportunity because ownership is achieved at lower prices while building equity. Many whom don’t spend as much time at home prefer the security benefits provided by the building.
Arranging financing for your home can be a complex process, with many variety of options to choose from. That’s why it’s important to talk to the experts. On this page I have gathered detailed information on home financing from TD Canada Trust. You’ll find professional advice and the tools necessary to make arranging a mortgage an easy and comfortable experience.
When you have found a home you are interested in buying, I will walk you through the process of drafting an offer to purchase. I will communicate the offer to the seller or the seller’s real estate agent for you. Some properties are in demand and you will not be the only interested party making an offer. I will assist you in generating an offer that is reasonable and protects your interests using specified terms and conditions.
An offer can be drafted with or without conditions; an offer without conditions is known as a firm offer and one with conditions is known as a conditional offer. A conditional offer represents the party with the placement of certain conditions on the purchase. Some of these conditions could be “subject to financing approval”, “subject to the strata council allowing pets”, “subject to the buyer’s house selling”, “subject to an approved home inspection”, among many others.
The seller may accept your initial offer, reject your offer or present a counter-offer. The counter-offer may differ from your original offer in respect to price, conditions, the closing date or any other items. Offers can be countered back and forth between the parties until one of you accepts or rejects, ending the negotiations.
There are many components of an offer that you should be aware of and understand. I will answer your questions and explain the entire process to you so that you are comfortable with the steps involved.
Mortgage lending is a highly competitive field. Information on mortgage rates, which can change daily, is available in local newspapers, through mortgage brokers, from individual lenders and of course through conventional financial institutions. When you are shopping for a loan, interest rates tell just part of the story. You will also need to study the various fees lenders charge and many mortgages today are almost custom-tailored to individual needs with many options available.
Ask your Agent
I can recommend lenders to check with prior to beginning any serious house hunting so you will know exactly what you can afford.
I have can help you sell your home, buy your home, or make an investment in real estate that pays your mortgage as well as you.
Helping people is what I am passionate about and I am equipped with a team of top producing professionals committed to serving you. I can offer you a prominent life long alliance not found at other brokerages. I am here to serve you.
I can help you save time and effort by dealing only with qualified buyers. Realtors have access to a pool of pre-screened and pre-qualified buyers who are serious about buying a home in your neighbourhood.