Buying
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When purchasing a home, you are faced with many, often costly, decisions. Finding that perfect home is not an easy task, and obtainig a mortgage loan can be a complex and tiring process. However, most home owners would say it is worth the effort.
My clients have benefited from significant savings on mortgages and attest to my dedication to facilitating their purchase and minimizing costs. Click here to see current mortgage rates that could save you money or allow you to purchase a larger residence.
Assisting you every step of the way, I'll 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. I'll help you prepare so that sellers perceive you as an informed buyer, help you locate and assess properties that match your specifications, and guide you through the many details associated with the actual purchase.
More importantly, I analyse 'All Active Listings' matching your criteria for your chosen neighbourhood and develop a report that highlighlights your selected candidates in the context of Price, Days on Market, Price Reductions, etc. and also points to other properties exhibiting an exceptional blend of features and value.
The results of my work not only inform you, but also, underline areas of savings. Markets are unsettled, prices vary widely based on the specific circumstances of individual Sellers. My WIN service approach doesn't leave anything to 'chance', rather I use a systematic analysis to find value for my Buyers. As evidenced by the Sample Report, I do the work to maximize your benefits and facilitate your choices.
Having lived in Vancouver for 10 years, I have kept a watchful eye on BC real estate market, with special emphasis, given recent developments. I know neighbourhood values inside and out. I will help you determine which properties are fairly-priced and in good condition before you start your search.
Your First Step…Define wants and needs
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 a needs vs. wants list. Everyone has a picture of their ideal home. This home would include all 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 area (downtown Vancouver, Burnaby, Port Moody); neighbourhood (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 my Special Reports section!
Your Next Step: Loan Pre-Approval
Once you've narrowed down your list, you're ready to take the next step in the purchasing process: getting pre-approved with a Vancouver mortgage company. While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford. When you're pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you've found a Vancouver home to purchase.
Take advantage of Sutton Member Program with the exceptional ' fixed rate/5 yr fixed term*' mortgage.
Pre-approval gives you substantial leverage: sellers immediately see you as a serious buyer. Not only will you know the exact price range you can afford, but you'll also be able to negotiate a better deal and move more quickly when you see a Vancouver house you like. Depending upon market conditions, a seller may lean towards an unconditional offer, so you'll have less negotiating power if you have to wait for mortgage approval. Banks and financial institutions have developed many programs catered specifically to home buyers. Once you review your needs and objectives with a lending officer, you'll be one step closer to purchasing your home in Vancouver.
Contact me and I'll be happy to refer you to a mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
You know what you want…let's get it!
It is a very time consuming process to view every home available that meets your needs. I can do much of the work for you, by establishing your needs, then reviewing a range of properties and advising you of potential matches. I have my finger on the pulse of housing trends and prices as well as access to the best possible resources and communication systems available today to help you locate homes that match your specifications. A comprehensive knowledge of the available homes in your neighborhood is one of my strongest assets. I sponsor your access to my Web Interactive Node (WIN) Office so that you can enter negotiations knowing market values, based on recent sales and similar listings, in your chosen geographic area.
Once you've been pre-approved for a mortgage, and know what price range you plan to stay within, I can help you determine which properties fit your requirements, using WIN and the (MLSR) Multiple Listing ServiceR system.
Start your search now - and view current listings!
I'm there to help
it is my job to guide you through and simplify this complicated process. Contact me today, together we will prepare a plan uniquely suited to your particular needs and goals. As my client,
You deserve Prime...
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