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.
Buying a home is an important decision, both financially and emotionally, but the home buying process need not be overwhelming. To set you on the right path, I have compiled a thorough guide to ensure you are confident and well-informed in your home buying journey.
Your First Step
Your first step in the home-buying process is to define the reasons why you want to purchase a new home.
Before we look at homes in person, we will discuss your homeownership goals and desires, preferred neighbourhoods, price range and timeline.
I will help you prioritize which features are most important to your lifestyle, whether it is highly- rated schools or proximity to certain amenities such as parks, health care or recreation facilities.
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.
All these factors will influence the way you experience your new home, so ensure you're well-acquainted with the surrounding area before purchasing.
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 Vancouver 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.
Contact me and I'll be happy to refer you to a Vancouver 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 Vancouver real estate market that match your specifications. A comprehensive knowledge of the available homes in your Vancouver neighborhood is one of my strongest assets.
My strategic negotiation skills are critical to you securing the best possible price for your future home. At that critical time, I will provide you with all your options and I will explain the purpose for each of the clauses in the Offer to Purchase to include the best outcome for you in terms of payment arrangements and conditions.
Once you've 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, using the (MLS) Multiple Listing Service system.
Start your search now - and view my current listings
I Will Help You Every Step Of The Way
As a top Vancouver 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.