Let Me Help You Every Step Of the Way
When purchasing a home, you are faced with a multitude of decisions. Finding that perfect home is not an easy task, and obtaining a mortgage loan can be a complex and tiring process. Once you have made the commitment to reach that home-purchasing goal, though, the rewards you can achieve are unquestionable.
Assisting you every step of the way, I will make the process of purchasing a home in the Lower Mainland easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale in the Lower Mainland that match your specifications, and guide you through the myriad of details right through to the actual purchase.
Having sold homes in the Lower Mainland for over 10 years, I have my finger on the pulse of the Lower Mainland's real estate market, and know neighborhood 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
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 would like to live. Be specific.
Develop a needs versus 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 is 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 are less likely to be caught up in the excitement of the pursuit. You will 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 (Vancouver, Burnaby, Coquitlam, Port Moody); neighbourhood (older and settled or brand new). Check out the neighbourhoods you are 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 are 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 have narrowed down your list, you are ready to take the next step in the purchasing process, getting pre-approved with a mortgage company. While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford. When you are pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase.
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 will also be able to negotiate a better deal and move more quickly when you see a house you like. Depending upon market conditions, a seller may lean towards an unconditional offer, so you will 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 will be one step closer to purchasing your home in the Lower Mainland.
Contact me and I will 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.
Let Me Find the Perfect Home for You
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 and access to the best possible resources and communication systems available today to help you locate homes on the real estate market that match your specifications. A comprehensive knowledge of the available homes in your neighborhood is one of my strongest assets.
Once you have been pre-approved and know what price range you plan to stay within, I can help you determine which properties fit your needs and wants.
Start your search now - and view my current listings!
I Will Help You Every Step Of The Way
As a Real Estate Professional and also a REALTOR® with years of experience and a proven track record, it is my job to guide you through this complicated process, from beginning to end. Contact me today, together we will prepare a unique system to suit your particular needs and goals. From helping you find your dream home to closing the deal - and every small or large step in between - I will be there to ensure your journey to life behind a new door is a smooth one!