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Buying A Home

It takes experts to buy a home.

Buying a home is a big business transaction. That’s why it’s so important to select, in advance, an experienced team of experts and professionals you can trust. These skilled and knowledgeable individuals can vary, but usually include the services of a REALTOR®, a lender, a lawyer, a home inspector and an insurance agent.

REALTOR® is a licensed real estate professional who is a member of a local real estate board as well as the Canadian Real Estate Association (CREA) and the Ontario Real Estate Association (OREA). This individual has successfully completed an intensive course of study and has skills, knowledge and experience that most buyers and sellers don’t have. He or she must adhere to provincial law and abide by a National Code of Ethics, ensuring you a high level of service, honesty and integrity. The REALTOR® you select should be someone that knows the neighborhood you live in or want to live in and who can provide you with sound, effective advice. A REALTOR® also acts as a mediator during the real estate transaction and can advice you on when to bring in the other experts or professionals.

Few people buy a home for cash. Most home buyers usually combine savings with money borrowed through a financial arrangement called a mortgage. Before looking for a lender, ask your REALTOR® to explain the many mortgage options available today. Your real estate professional will assist you to obtain a “Pre-qualification certificate” giving you an advantage in negotiations, and peace of mind, knowing you can comfortably afford the home you are looking at.

Whether you are buying or selling, a lawyer will represent your interests. When an agreement is reached, your lawyer will ensure you receive valid title to the property and that it is clear of any registered claims. He or she will also calculate any taxes and adjustments that will compensate the seller for money already paid on services and other matters related to the property.

Home Inspector
As a buyer, you can avoid expensive surprises by bringing in a home inspector as a condition of your offer to purchase. The older the home, the more likely there will be problems. Being aware of any structural defects, will help you decide whether to buy the property at all, or negotiate a lower price to compensate for anticipated major repairs.

Insurance Agent
Creditors and mortgage lenders, almost without exception, require insurance on the home you buy. This insurance must be in place before any purchase can be finalized. Although you may be able to negotiate a better rate using the same insurance company you have other policies with, it still pays to shop around.

Buying A Home

Newest Listings

Price: $ 369,900

304 Platten Blvd, Port Perry
Patricia D. Mapplebeck, M.V.A.

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Price: $ 479,900

18 Liberty Lane, Kawartha Lakes
Patricia Prentice

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Members Of: Durham Region Assoc. of Realtors * Toronto Real Estate Board – MLS Ontario Real Estate Association * Canadian Real Estate Association * Real Estate Council of Ontario

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