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've made the commitment to reach that home-purchasing goal, though, the rewards you can achieve are unquestionable.
I will help you determine which properties are fairly-priced and in good condition before you start your search.
1. 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 Vancouver area in which you'd like to live. Be specific.
Develop a needs vs. wants list. Everyone has a picture of their ideal home. Begin the list with items you absolutely need like adequate room, garage space and number of bedrooms.
How much space do you really need? 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 to support your lifestyle and needs? 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.
2. Your Second Step
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 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.
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.
3. Let Me Find the Perfect Vancouver Home for You
It is a very time consuming process to view every home available that meets your needs.
As a real estate agent, I work with you and 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.
Start your search now - and view my current listings!
I Will Help You Every Step Of The Way!
It is my responsibility to guide you through this complicated process, from beginning to end.
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!