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trent hills real estate FAQs

Ready to get started with our team at Prata Hotte and Associates in Trent Hills Real Estate? This FAQ page is packed with information that will answer many of your questions and make buying a property in Trent Hills an easy journey.

When you’re ready to talk, please reach out via phone, email, or submit the form on our contact page. Let’s work together on buying and selling real estate in Trent Hills. Prata Hotte and Associates are here to help you find your dream home!

Trent Hills Real Estate, Northumberland pool in backyard with beautiful pants

Discover how Prata Hotte and Associates
will help you find your dream home in Trent Hills real estate

Your journey starts here!

To begin your journey in Trent Hills Real Estate, we take the time to learn what you really want in a home. We look at your needs and desires and help you determine the price range within which you should shop. We conduct a property assessment, then we show you properties in Trent Hills Real Estate that meet those criteria – including new listings the moment they come on the market.

As your agent in Trent Hills Real Estate, we look out for your best interests. For example, we provide you with an opinion of value, in-depth property details of each home you view, point out desirable features you may not notice, and identify potential concerns you may have overlooked.

Prata Hotte and Associates are by your side every step of the way in Trent Hills Real Estate. When you find a home you want in Trent Hills Real Estate, we will prepare and present the offer and negotiate skillfully on your behalf so you are buying a property at the lowest price possible.

Ready to Get Started in Trent Hills Real Estate? This website is packed with information that will answer many of your questions and make buying a property in Trent Hills Real Estate an easy journey.

When you’re ready to talk, please call, email, or submit the form below.

Let’s work together on buying and selling real estate in Trent Hills Real Estate. We can help you find your dream home!

Prata Hotte and Associates
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Selling your home

Selecting the right agent

There’s no doubt about it. Prata Hotte and Associates, your real estate agents, have a huge impact on whether or not your home sells quickly, how much you get for your property, and your experience throughout the process.

So you’d be smart to ask, “Why should I sell with Prata Hotte and Associates?”

The best way for Prata Hotte and Associates to answer that is in a Personal Consultation meeting. We will meet you at your home, explain how they work with clients, and give you an initial idea of what to expect in terms of selling price and timing. This meeting will give both parties an opportunity to get to know each other, for Prata Hotte and Associates to explain our skills and experience, and for you to ask questions and see if there is a good fit. There is absolutely no obligation to proceed.

In the meantime, here are a few highlights of what to expect from Prata Hotte and Associates as your real estate agents:

  • We listen carefully to your needs and goals, and keep those top-of-mind throughout the process.
  • We are accessible.
  • We are never more than a phone call or email away when you have questions or concerns.
  • We provide you with practical suggestions on how to prepare your home so that it impresses and excites buyers.
  • We recommend a listing price that’s the highest possible, without discouraging buyers.
  • We prepare a game plan to promote your property to qualified buyers to ensure it sells.
  • We prepare the promotional materials, including pictures and property description.
  • We create an excitement in the marketplace about your listing.
  • We tell our other private clients about it.
  • We spread the word to other agents.
  • We work with you to schedule showings and open houses, with as little inconvenience to you as possible.
  • When someone makes an offer on your property, we skillfully negotiate so that you get the best price and terms.
  • We take care of the dozens and dozens of details involved in selling a home, so you don’t have to worry about them.
  • We help to ensure everything goes smoothly between signing the offer and closing the sale.
  • You want your house to sell quickly and for the highest price possible.
  • You also want the process to be trouble-free. That’s what Prata Hotte and Associates do for clients every day!

To find out more about why you should sell with Prata Hotte and Associates, please submit the form below or call or email them to schedule a Personal Consultation.

Setting your price

You obviously want to sell your house for the highest possible price. You may even have a number in mind. But, how do you determine if that number is reasonable? You may be concerned that:

  • If you list your house too high, few buyers, if any, will see it.
  • If your price is too low, you could end up leaving thousands of dollars on the table.

Don’t worry. We are experts at creating a pricing strategy that will pique the interest of qualified buyers – and set the stage to get you the highest sale price possible. We are also a specialist in the local market. We know what properties like yours sell for, and can get yours sold at the high end of that range.

We begin by getting to know your property and all its desirable features. Then we make some calculations to determine its Current Market Value. That value is based, in large part, on what similar houses in the area have sold for recently.

Of course, buyers won’t pay for the sentimental value you place on your house. But special features such as hardwood floors, a newly renovated kitchen or bathroom, or a beautiful backyard patio can have an impact on how quickly a property sells and for what price. We will help you understand all the factors that go into setting the list price, and ensuring it is just right for the marketplace and your goals.

Curious as to what your house is likely to sell for in today’s market? Please submit the form below or call or email me for a no-obligation Personal Consultation. I’ve got the answers for you.

Attracting Buyers

When you list your house, it must attract the attention of qualified buyers eager to get into a property like yours. Otherwise, your house may take longer to sell and you may not get the price you expected.

As experts in the local market, Prata Hotte and Associates can get the word out about your listing to all the right people. We know how to attract serious buyers — so a good offer comes in quickly.

To achieve that success, Prata Hotte and Associates will implement the appropriate marketing plan. After all, there’s more to selling a house than hammering a For Sale sign on the front lawn. We’ll work closely with you to create a marketing plan which may include some or all of the following:

  • Taking pictures and gathering the details on your property;
  • Writing a compelling property profile and creating effective marketing materials;
  • Uploading your listing to MLS – the Multiple Listing Service that real estate agents and buyers use to search for properties;
  • Placing advertisements in print or on-line publications buyers use to shop for houses;
  • Showcasing your listing on my popular website;
  • Leveraging the internet and social media to promote your listing;
  • Scheduling and promoting an Open House to attract a multitude of buyers.

In addition, we meet with buyers regularly. In fact, the moment your house is listed we get in touch with everyone we know who is looking for a property like yours, and encourage them to schedule a viewing. Prata Hotte and Associates also taps into our network of other real estate agents so their clients know about your property as well.

Our job is to get the right buyers to see your house, fall in love with it, and make a good offer.

Want to learn more about how we will aggressively promote and market your house? Please submit the form below or call or email me for a no-obligation Personal consultation.

The sooner we start, the sooner your house will be sold – and for a top price.

Handling Viewings

Private viewings and open houses provide opportunities for buyers to view your property and get a sense of what it is like to live there. Ideally, you will want them to be impressed by what they see — and motivated to make an offer.

As your real estate agent, we will ensure we maximize the potential of every viewing and open house. To accomplish that, we advise you on how best to prepare your property, Prata Hotte and Associates market it to qualified buyers, and then, at viewings, draw their attention to the great qualities of your house.

When it comes to scheduling, we will coordinate with you to select days and times that are as convenient as possible. Obviously, we encourage you to be as flexible as you can, as that will enable more buyers to see your property. Weekends, in particular, are popular for viewings.

Don’t worry about all the details. Prata Hotte and Associates will take care of all aspects of scheduling viewings, as well as planning and hosting open houses.

Although we do most of the work, there are a few things you can do to make viewings more successful:

  • Make sure your house is neat and clean.
  • Remove personal items such as family pictures. This makes it easier for buyers to imagine themselves living in the house.
  • Find a place to go, such as a park or shopping mall. Buyers are more comfortable if they can view the property without you there.
  • If possible, remove your pets. You can take them for a walk, or to a local pet sitting service or kennel.
  • Ensure the walkway leading up to your house is clear.

We realize viewings and open houses can be a little inconvenient. As your real estate agent, we will do my best to minimize the disruptions. Prata Hotte and Associates will focus on bringing in serious buyers, rather than those who are merely curious. This speeds up the process and increases the likelihood of a buyer seeing your property, becoming interested, and making an offer.

To sell your house quickly, and for the highest price possible, it is crucial that viewings and opening houses are done right. Want to learn more about my approach? Please submit the form below or call or email me today to schedule a no-obligation Personal consultation.

Dealing With Offers

When selling your house, there are few things more exciting than receiving an offer. That means someone is interested in your property and has prepared a formal offer to buy it.

What is an offer, exactly?

It’s simply a legal document that shows the price the buyer is proposing to pay, which may or may not be the same as your listing price. An offer will include other details, such as the requested closing date, and may also include one or more conditions, such as ‘conditional on the property passing a home inspection.’

Ideally, when you receive an offer, you will want to sell your house to that buyer for the highest price possible. In addition, you’ll want to make sure there are no potential problems that might prevent the deal from closing —such as the buyer being unable to arrange financing.

Prata Hotte and Associates realize this may sound complicated. Don’t worry. As your real estate agent, We’ll take care of all the details. For example, weI will:

  • Review the offer with you and explain everything clearly.
  • Give you my professional assessment as to the quality of the offer. If there are things that concern me, we’ll point them out to you.
  • Advise you on whether to accept the offer, reject the offer, or make a counter-offer.
  • Prepare a counter-offer, if necessary, that gets you a better deal, without risking the sale slipping through your fingers.
  • Skillfully negotiate with the buyer on your behalf, so you sell your house for the highest price possible.
  • Prepare all the necessary documents, and work closely with the buyer and his or her agent, to make sure the transaction goes through smoothly.
  • Communicate with you throughout the entire process. You’re never in the dark when you work with me.

Selling your house for the best price possible is my expertise, especially in this local market.

Want to discuss how much you may be able to get for your house? Please submit the form below or call or email me for a no-obligation Personal consultation.

Closing the Sale

There are few things we enjoy more than telling a client, “Your house is sold.” That means we have found them a qualified buyer, got them the price they wanted, and negotiated a great deal.

That doesn’t mean my work is finished. Far from it.

As your real estate agent, we’ll work closely with you to ensure the deal is finalized and that your move goes smoothly.

We’ll take care of the details. For example, if there are any conditions on the offer to buy your property, such as “passing a home inspection”, we’ll coordinate with you and the seller’s agent to ensure that the condition is satisfied and the deal closes.

We’ll also be there for you, as your real estate expert, up to the day you move – and beyond. We provide you with the names of recommended lawyers, contractors, movers, etc. from my network of reputable professionals and companies. We’ll also clearly explain what to expect leading up to closing day and give you advice as to how to prepare.

At Prata Hotte and Associates, our goal is simple: To make your house sale and move a positive experience.

Want to learn more about how we can help you sell your property, for a top price, while making the process easy for you? Please submit the form below or call or email me to schedule a no-obligation Personal consultation.

Curious about how much your home would sell for in today’s market?

Please click here to complete the form and the team at Prata Hotte and Associates would be happy to send you a free home evaluation.

At Prata Hotte and Associates, we  understand that you are thinking of selling your home. Regardless of the reasons why you are selling, our clients usually have one goal: To achieve the best possible price, in the shortest amount of time, with the most favourable terms.

Our experience tells us that you need to address 6 issues to best achieve this goal. The 6 key issues include:

  1. Choosing the best agent for the job
  2. Pricing your property right and the first time
  3. Preparing your home for sale
  4. Implementing a quality marketing plan
  5. Showing your home to maximize any opportunity
  6. Negotiating a successful offer

Selling your home can be a stressful and exhausting process — but it doesn’t have to be — not when you have professional career agents who are committed to working in your best interest only.

If you have any questions or you would like clarification about any of these steps, please do not hesitate to contact us.

It is important to understand that only the market determines the ultimate value of your home. Choosing the optimal list price is essential to maximizing your home’s value.

Pricing your home right the first time will result in:

  • more exposure,
  • more showings,
  • more offers
  • ultimately the highest price for your home

If you price too low, you risk not getting as much as you can for your property.

If you price too high you risk losing potential buyers who may think your property is out of their price range, and you help your competition sell faster.

Determining the optimal list price is in part simple math, but for the most part it is a strategic process that requires extensive market knowledge and research. An in-depth Comparative Market Analysis (CMA) will tell you what similar properties have sold for recently, but to effectively price your property, it’s equally important to consider every similar home on the market to understand exactly what your competition is. In addition,
expertise in both the local and national market conditions is paramount to arriving at the optimal list price.

For your no-cost, no-obligation CMA (Comparative Market Analysis) and opinion of value using our comprehensive pricing strategy, please contact us today!

Pricing your property competitively from the start will generate the most activity among brokers and buyers.

  • A property generates the most interest within the real estate community when it first goes on the market.
  • The number of showings is greatest during this time — if the property is priced at realistic market value.
  • Starting too high and dropping the price later misses the excitement and generates less activity.
  • It may even become necessary to drop the price below market value to compete with new, well-priced listings.

The six steps of selling your home

Helping you with the sale of your home.

Placing your home on the market requires objectivity and potentially significant preparation. As your chosen real estate professional, We will guide you through the preparation process to help you:

  • Appreciate the impression your home will make on potential buyers.
  • Define improvements that you can undertake to sell your home faster and at the best possible price.
  • Outline suggested interior and exterior preparations for cleaning, repair and organization.
  • De-clutter and depersonalize your space to achieve the broadest appeal.
  • Arrange furniture to make rooms appear as spacious as possible.
  • Connect to professionals for preparation assistance such as painters, cleaners, contractors, carpenters, repair people, home stagers, and more.
  • Create a mood ideal for showcasing your home such as playing relaxing background music, lighting a fire, adding plants and flowers, maximizing lighting and fine-tuning the temperature.
 
Ask for help!
We can help you see your home through the objective eyes of a prospective buyer and suggest preparations to make the right impression. Put my expertise to work for you and learn more about these steps in your home sale:
  1. Preparing
  2. Listing
  3. Negotiating offers
  4. Pricing
  5. Marketing
  6. Closing

Helping you with your home sale – listing

Entering into a Listing Agreement is the first formal step in marketing your home to prospective buyers. As your chosen real estate professional, we will:

  • Explain the Listing Agreement document, a contract that commits Royal LePage to market your home for a specified period of time in exchange for a marketing fee or commission, paid upon successful closing of your home sale.
  • Discuss the marketing fee and the specific value you will receive in exchange for that fee.
  • Outline the details of the agreement including the asking price, a description of the property, inclusions and exclusions, annual property taxes, and any rights of way, easements, liens, or charges against the property.
  • Request any required supporting documents such as a property survey, property tax receipts, deed or title search documentation.
  • Ask you to authorize your mortgage lender to verify your current mortgage details, where applicable.
  • Request other documentation such as expenses related to heating, electrical and water consumption as well as receipts for any home improvements to assist your home sale.

Helping you with your home sale – pricing

Determining the right asking price is the most critical factor to the success of your home sale. As your chosen real estate professional, we will:

  • Help you understand current market conditions and how they will impact your home’s asking price.
  • Prepare a market analysis to give you an appreciation of what comparable homes in your area have recently sold for.
  • Assist you in understanding the marketability of your home’s location, size, style and condition.
  • Explain how pricing appropriate to market value will help make your home more marketable, exposing it to more qualified buyers while generating the best offers.
  • Clarify the importance of capitalizing on the early activity associated with new listings by pricing your home appropriately when it first goes on the market.
  • Help to create value and future negotiating power through chattel inclusions and exclusions.
  • Work with you to develop a pricing strategy and determine an asking price that will sell your home in the shortest amount of time at the best possible price.
Helping you with your home sale – marketing A comprehensive marketing plan, customized to your home, will give it maximum exposure and the attention it deserves. As your chosen real estate professional, we will:
  • Prepare a personalized marketing plan containing all activities intended to market your property to prospective buyers and their real estate representatives.
  • Place your home on the Multiple Listing Service®, or MLS®, making it accessible to all real estate professionals and their clients, unless you choose to list your home exclusively with Royal LePage.
  • Provide national and international exposure for your home by placing it on both the MLS®, and Royal LePage websites – two of the most visited real estate websites in Canada.
  • Provide local exposure for your home with a lawn sign, open houses, print and online promotions.
  • Showcase your property through print and web-based marketing tools which may include property feature sheets and brochures, “Just Listed” flyers and postcards, virtual slide shows, web tours, email and social marketing.
  • Network with other real estate professionals and my database of clients where applicable, to provide incremental exposure to your home.
Helping you with your home sale – negotiating offers Upon receipt of a valid offer to purchase, there are several considerations and negotiating nuances to understand before you provide acceptance. As your chosen real estate professional, we will:
  • Clarify all elements of the offer including price, deposit, financial terms, inclusions and exclusions, the closing or possession date and any conditions that apply.
  • Help determine an appropriate response within the timeframe required, either accepting or rejecting the offer, or developing a counter-offer.
  • Set a course of action for any counter-offer terms such as adjusting the offer price, inclusions and exclusions, the closing date, or removing conditions.
  • Manage all offers and any counter-offers, negotiating to get you the best possible deal.
  • Ensure you understand and agree to all of the offer terms before you provide acceptance.
Helping you with your home sale – Closing Your home sale is completed on closing day when ownership is officially transferred to the buyer. As closing day approaches, there are a number of tasks to complete:
  • Hire a legal professional to represent your interests and manage closing documentation.
  • Satisfy any conditions you may be subject to in the offer.
  • Arrange for your self-move requirements or obtain estimates from reputable moving companies and book as far in advance as possible.
  • Contact utilities to have meters read on closing day and coordinate cancellations, transfers and change-of-address notification for medical, financial and contracted services, licenses, subscriptions, memberships, and personal mail.
  • Organize the connection of services and utilities at your new home.
  • Coordinate with your lawyer the receipt of compensation for prepaid utility expenses and the payment of real estate and legal fees from the proceeds of the sale.
  • Meet with your lawyer to sign required closing documentation to discharge any mortgages, transfer the deed, and to provide the keys for the buyer.  

Buying your home

Do you have a personal real estate agent?

If you’re planning on buying a home, you may have already done some shopping around on your own. Perhaps you’ve checked out a few open houses or called the number on a For Sale sign to schedule a private viewing of that property.

Yes, you can do all of that on your own, if you have the time and expertise. However, statistics prove that you’ll be more successful in finding your dream home at the right price with your own personal real estate agent.

 

Your real estate agent works for you

A real estate agent, especially one who knows the local market well (like we do), can help you find and buy your ideal home, quickly, and make the entire process go smoothly for you. During a viewing, your real estate agent will give you the inside scoop on that property, so you know the full story. Your real estate agent will also point out desirable features, and potential ‘issues,’ that you might otherwise miss.

When it comes time to make an offer, your real estate agent will present and negotiate it on your behalf. If you don’t have your own real estate agent, you would have to deal directly with the seller’s agent, who is legally obliged to work in the seller’s best interests – not yours.

Bottom line: Your own personal real estate agent is there for you, every step of the way. At least, that’s how we work with our clients.

 

What to look for in a real estate agent

When buying a home, you want a real estate agent who…

  • Takes the time to understand your needs and goals, so you have a true partner in your home buying journey.
  • Explains everything clearly and answers your questions, so you’re never in the dark.
  • Has expertise and a track record of success in the local market.
  • Knows how to find great properties in your price range.
  • Will alert you to new listings, quickly, so you get the jump on those opportunities.
  • Will advise you on the best price to offer for the home you want.
  • Will prepare and present the offer, and skillfully negotiate such things as price, conditions, closing dates, etc. so you get the best deal.
  • Will save you potentially thousands of dollars by ensuring you don’t overpay for the property you want.
  • Will recommend reputable home inspectors, movers and other professionals you may need.

Not every real estate agent offers all of these services. My clients say that I do. They also tell me how much they appreciate my professionalism, expertise and accessibility.

 

Next steps

The best way to select the right real estate agent, is to meet with him or her in person. Ask questions. See if there is a good fit.

To schedule an appointment with me, please call or email. If it’s more convenient for you, submit the form below and we’ll get back to you.

 

Viewing homes

As your real estate agent, my most important job is to make the home shopping process pleasant and rewarding for you.

We do that in a number of ways.

We regularly recommend properties for viewing that closely match your needs and wants, and are within your price range. That spares you the frustration of visiting homes that aren’t suitable.

We make sure you don’t miss opportunities. When a desirable property suddenly comes on the market, you’re alerted.

We help you schedule viewings that fit your schedule, so there’s little if any inconvenience for you.

Before you view a property, we provide you with in-depth details on the home, so you can make an informed decision. This includes closing dates, market value, and more. Later, if you have questions, we get the answers for you.

We also give you the scoop on the neighbourhood, so you get a clear sense of what an area is like in terms of lifestyle, safety, schools, etc. You can count on me to steer you away from undesirable areas, and point out only those we suspect you’d like.

When you find a property you like, we give you my honest, professional recommendation as to how well the home meets your needs and wants. You won’t have to make such an important decision without my expert advice.

As your real estate agent,  we are committed to getting you into the right home, and we are with you every step of the way.

What to look for when viewing a property

Here are a few questions and ideas to consider when viewing homes to help make the process easier and more productive:

  • Does the home have your ‘needs’ features (those features you must have)? (e.g., number of bedrooms, closet space, kitchen size, etc.)
  • Does the home have any of your “wants” features (those features you’d like to have but would be willing to forgo)? (e.g., large backyard deck, spacious family room, etc.)
  • What is the general condition of the home? (Are there signs that the owners have kept up with repairs and maintenance?)
  • Will the home need any major repairs, remodeling or renovations? Is there anything, such as the furnace, that may need to be replaced soon?
  • What do you like most about the home?
  • Is there anything about the home you don’t like? Can that be changed with a remodeling or renovation now or in the future?
  • Take a walk around the neighbourhood. Are the homes well-kept, indicating pride of ownership?
  • Do you like where the home is situated in the neighbourhood?
  • Does the neighbourhood have what you want? (e.g., access to public transit, shopping, local parks, etc.)

Viewing properties should never be a frustrating ordeal. It’s our job to help make the process easy and productive for you, so you can find the home you want.

Ready to get started? Call or email and let us and let us know more about the kind of home you’re looking for. Or, submit the form on our contact page and one of our realtors will get back to you.

Closing the sale

There are few things we enjoy more than saying to a client, “You’ve got the home!” That means that the seller has accepted your offer, conditions have been waived, the closing date has been set, and you’ll soon be preparing for moving day.

Just because the purchase has been made doesn’t mean my work for you stops. On the contrary. There are a myriad of other things we’ll do to ensure the process goes smoothly.

For example, we’ll take care of many of the administrative details on your behalf. We’ll work with the seller’s agent, your lawyer, and your mortgage lender to ensure that all the necessary paperwork has been completed and submitted.

Don’t worry about finding a good real estate lawyer, insurance agent, moving company, etc. We are well-connected in the local real estate scene and can personally recommend reputable professionals and companies to help you.

If at any time leading up to moving day you have a question, problem or concern, we’ll be there to help. You can count on us to be your real estate agent before, during and after you cross the threshold into your beautiful new home.

If you have questions about the home buying process, please feel free to call or email or submit the form below.

Pride of home ownership is indeed one of life’s greatest joys and biggest accomplishments. This is an exciting time! When considering buying a home, even if it is your first home purchase, our experience tells us that most buyers typically have three goals in mind:

  • Find the right neighbourhood to call home
  • Ensure all possible homes in the neighbourhood are considered and nothing is missed
  • Negotiate a fair price that not does exceed market value

The home buying process can be broken down into six easy steps:

  1. Choosing the best agent for the job
  2. Getting started
  3. Determining your budget and obtaining a mortgage pre-approval
  4. Deciding where and what to buy
  5. Making an Offer to Purchase and satisfy conditions
  6. Preparing to move in

If you have any questions or you would like clarification about any of these steps, please feel free to contact us.

Making an offer

When you view a home on the market that you really want, you can hardly wait to be handed the keys. In fact, you may worry that the property will somehow slip through your fingers. Don’t be. You’ve got experts by your side. Us, the team at Prata Hotte and Associates. Our job, as your real estate agent, is to ensure you get that home – and at a price that works for you.

The first step is preparing the Offer. This is the document I present to the seller that basically states the price you’re offering, as well as any conditions.

The price we go in with is critical. You want it to reflect the true market value of the property so the seller will take your offer seriously. On the other hand, you don’t want to go in too high and risk overpaying for the home.

Don’t worry. We know how to prepare a winning offer and get you the property at the lowest possible price. In fact, we look after your interests throughout the entire process.

 

How the process works

When you decide to make an offer on a home, here’s what typically happens:

  • We’ll recommend a price that has the best chance of being accepted by the seller, without over-paying for the home.
  • Obviously, sellers prefer offers that have no conditions. However, we may suggest a condition, such as passing a professional home inspection, be included for your protection. We’ll talk about that.
  • We’ll prepare the necessary documents and present your offer to the seller and his or her real estate agent personally.
  • If the offer isn’t accepted, or if the seller makes a counter-offer, we’ll work with the seller’s agent, skillfully negotiating on your behalf to make a deal.
  • We’ll communicate with you throughout the entire process. You’re never in the dark when you work with me.
  • Once the seller agrees to a deal, We’ll help lead you through removal of any conditions and closing the deal. Then, the home is yours. Congratulations!

We realize that making an offer can seem like the nail-biting part of the process. It doesn’t have to be. That’s the advantage of selecting a real estate agent who, like me, puts clients first. When you go after a property you really want, you can take comfort in knowing you have an expert on your side… someone who knows how to get that home for you.

Have questions about making an offer? Please reach out via phone, email or by clicking here for our contact form.

Get a mortgage pre-approval

An important ingredient in a successful home search is knowing how much you can afford. You don’t want to fall in love with a property only to find out it’s outside your price range.

That’s why we recommend getting a Mortgage Pre-Approval. This is a document from your bank or other lender stating how much of a mortgage they are willing to give you. There are two advantages to getting this pre-approval:

  • It gives you the peace-of-mind of knowing you can afford homes you view on the market, and won’t have problems arranging financing.
  • It’s a sign to sellers that you are a serious, prepared buyer – which gives you the edge when making an offer.

You can arrange for a Mortgage Pre-Approval with your bank or other lender, or by working with a good mortgage broker. We are well-connected in the local real estate scene, so if you want me to recommend a reputable broker or lender, please contact us.

How much home can you afford?

Banks and lenders use specific criteria to determine how much of a mortgage they’re willing to offer you. They look at your income, expenses, credit history and employment status, as well as the down payment you plan to make on a home. It may seem like a scary process, but it is actually straightforward. You can usually get a Mortgage Pre-Approval in a day. You’ll be glad that you did.

By knowing what you can afford, you can confidently shop within that price range. For example, if you qualify for a $250,000 mortgage, and you have another $100,000 available as a down payment, you can look for homes in the $350,000 range.

Have questions about arranging financing? Please contact us via phone, email or the contact form.

The six steps of buying a home

Helping you with your home purchase — financing

Organizing your finances is the critical first step in your home purchase:

  • Consider the one-time costs associated with a home purchase, including a down payment, legal fees, taxes and moving expenses.
  • Understand ongoing monthly costs, including mortgage payments, insurance, utilities, property taxes, maintenance and, if applicable, condo fees.
  • Take into account the equity you may have in your current home and the applicable mortgage options available for your next move.
  • Pre-qualifying for a mortgage gives you the comfort of knowing how much you can afford and what your monthly payments will be.
  • A pre-approval from a mortgage lender protects you against interest rate increases for a given period during your home search.
 
Ask for help!

I can help provide you with tools and resources to organize your finances. Put my expertise to work for you and learn more about these steps in your home purchase:

  1. Financing
  2. Home search
  3. Making an offer
  4. Needs and wants
  5. Viewing homes
  6. Closing

Helping you with your home purchase — needs and wants

With an appreciation of what you can afford, determine your needs and wants within your home purchase price range:

  • Consider your current lifestyle as well as any lifestyle changes you foresee longer term.

  • Select an urban, suburban or rural location that best serves the needs of your evolving lifestyle.

  • Choose neighbourhoods in close proximity to the amenities that are most important to you like schools, shopping, entertainment, recreation and transportation.

  • Consider your commute times to work, school, friends and family.

  • Determine the size of home you require, such as the minimum number of bedrooms, as well as any other space requirements, like room for a home office.

  • Understand the home features most important to you, such as additional bathrooms or a large yard.Decide on a property type that suits your lifestyle, needs and finances whether condo, townhouse, single or multi-family dwelling.

Helping you with your home sale – home search

Begin your home search when you know what you need and want, and what you can afford. As your chosen real estate professionals, we will:

  • Provide access to both MLS© listed properties and properties listed exclusively with Royal LePage.

  • Send you listings of the properties that match your specific criteria.

  • Ensure you receive new listings of properties that match your criteria as soon as they become available on the market.

  • Supply supplemental neighbourhood information like historical property values for the area, property taxes, schools and public transportation.

  • Help you hone your home search criteria, as required, with an appreciation for current market conditions.

  • Prescreen and preview the homes that best fit your criteria.

  • Show you the properties that you are interested in viewing.

Helping you with your home sale – viewing homes

When viewing properties you are interested in, it is important to remain objective. I will help you understand the importance of looking beyond surface aesthetics at:

  • A home’s exterior features from the foundation to the walls, the roof, the eaves and downspouts, drainage, windows, doors, fencing and landscaping.

  • A home’s interior fittings such as walls, floors, outlets and switches, lighting, kitchen and bathroom fixtures, and appliances.

  • A home’s heating, cooling, plumbing and electrical systems.

  • Visible signs of problems such as water or pest damage.

  • The benefits of having all of the above investigated thoroughly by a qualified home inspector.

  • Noise levels from neighbouring properties, the street, cars and public transport, and where applicable, highways, railways and airports.

  • The ability for you to live comfortably, according to your pre-determined needs and wants, with available space for your furnishings and storage requirements.

Helping you with your home sale – making an offer

There are a number of considerations to make before the offer is written for your next home. As your chosen real estate professional, we will guide you through the offer process to help you:

  • Appreciate what comparable houses are selling for, how current market conditions can impact your offer, and where applicable, whether there is any competition from other interested homebuyers.

  • Understand the benefits of investing in a qualified home inspector who can expose property deficiencies and who may also provide you with an estimate on their cost of repair.

  • Determine any offer conditions such as a satisfactory home inspection or arranging financing, and the potential impact of such conditions on the acceptance of your offer.

  • Sort through the key elements of your offer including price, deposit, financial terms, inclusions and exclusions, and your closing or possession date.

  • Manage all offers and any counter-offers, negotiating to get you the best possible deal.

Helping you with your home sale – Closing

Your home purchase becomes a reality on closing day when ownership is officially transferred to you. Before and on closing day, there are a number of tasks to complete:

  • If you are renting, give notice to your landlord and arrange for the return of your deposit.

  • Confirm your home purchase with your mortgage lender and finalize your mortgage details.

  • Hire a legal professional to represent your interests and manage closing documentation.

  • Obtain home insurance and notify your lawyer and mortgage lender of the selected insurer.

  • Arrange for your self-move requirements or obtain estimates from reputable moving companies and book as far in advance as possible.

  • Coordinate cancellations, transfers and change-of-address notification for medical, financial and contracted services, utilities, licenses, subscriptions, memberships, and personal mail.

  • Organize the connection of services and utilities at your new home.

  • Meet with your lawyer on closing day to sign required mortgage and property closing documentation, pay associated balances and fees, and collect the keys to your new home.

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