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Harold and Shirley Brock

Real Estate Buying Resources

Buying a Home Doesn’t Have to Be an Intimidating Experience

The real estate buying process is just like planning a wedding. If done correctly, it can be a very rewarding experience. The key to any successful process is clear communication from both sides. Real estate is no different. My goal is to make the buying process as positive and stress-free as possible for you, so you can focus on enjoying your experience, and ultimately your new home.

Real Estate Mortgage  

Obtaining a Pre-Approved Mortgage

Having a pre-approved mortgage will give you the confidence of knowing exactly what you can spend on a home before you start looking. You will also be protected against rate increases while you look for your new home.

A Mortgage Specialist will answer your questions and help you determine which financing terms and options are right for you. The Mortgage Specialist and Real Estate Professional work as a team to help you find the right home and select the best financing.

Finalizing Your Mortgage

Once you’ve found the home you want to purchase, there are some documents you’ll probably need in order to finalize your financing. These documents may include:

  1. A copy of the real estate listing of the property. If the home is still to be built, the mortgage lender will need to see the architect’s or builder’s plans and details on lot size and location.
  2. A copy of the offer to purchase or the building contract, if this document has been prepared.
  3. Documents to confirm employment.
  4. Income and source of pre-approval.
  5. Notice of assessment from CRA

If you have a pre-approved mortgage, it’s a simple matter of finalizing a few details, which your real estate mortgage specialist will explain to you

Real Estate House Hunting Tips

Below is a list of tips that will make your house hunting experience as enjoyable as possible:

Location Counts

It’s very important to think about the proximity of your potential new home to your daily necessities, such as your job or schools, as well as to undesirable factors, such as a commercial property.

Make A List

Consider your top needs and wants. Prioritize them to save yourself time and stress during the house hunting process.

Do Your Homework

Learn about current market trends, house prices, and which homes are on the market in your area.

Get Pre-Approved

A mortgage is based on several financial factors, which can be very difficult to judge. Take the guesswork out of the financial uncertainty and find out how much you’re qualified to borrow before you begin shopping.

Use a Checklist

When you have viewed several properties, the details can become fuzzy. Ask me for a personalized checklist, with room for notes, to take with you to each home that you view, instead of to relying on your memory alone.

Wear Comfortable Clothing

Instead of torturing yourself and being uncomfortable through potentially many homes in one day, wear comfortable clothing and sturdy shoes so that you can take your time in each home.

Be Prepared to Make an Offer

Do not put yourself through the process of searching unless you are sure that you are financially and emotionally ready to buy.

Relax

Buying a home is a major life-changing decision, but be sure to unwind and get perspective after a day of searching. I want to ensure that your move as positive and stress-free as possible for you. Clear communication, on both sides, will be important throughout the process.

My goal is to find and purchase just the right property for you!

If you have any questions about the real estate buying process, contact me anytime. I’ll be happy answer any of the questions you may have. 

Check out Joe’s blogs

705.733.5821

info@josephtalbot.ca

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Whether you're interested in moving to Clearview, Wasaga, Collingwood, or Blue Mountain, let Joseph's years of real estate and contracting experience work for you to help you get the best deal, hassle and stress free. 

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