We're here to guide you through every twist and turn of the buying process, so that you can sleep easy at night (in a home that you love).
When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.
While at your side each step of the way, I will make the process of purchasing a home 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 that match your specifications, and help you through the myriad of details attending the actual purchase.
Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the online tools available to locate them
I have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search my listings here at my website.
If you're a first time home buyer in Ontario you have many financial options available to you when it comes to buying your first home. As your real estate agent, I will help guide you through this process with available resources and key contacts to make the home buying process easy and simple.
When you make the important decision to buy or sell a home, I am committed to going the extra mile to ensure that all of your needs are successfully met in a professional and honest manner. For Service and Commitment, let me help guide you with your next purchase or sale. I make myself available t all times, My website is here to help you 24 hours a day. You can search listings.
Buying any piece of real estate, whether it's for personal use or an investment, you need a realtor will be there for you every step of the way. From the first showing to negotiations and through final closing.
This is a federal program that allows first-time homebuyers to withdraw up to $35,000 from their Registered Retirement Savings Plans (RRSPs) to use towards their down payment. The withdrawn amount must be repaid over a 15-year period.
In Ontario, first-time homebuyers may be eligible for a rebate of the provincial land transfer tax, which is paid when buying a property. The rebate can significantly reduce the amount of land transfer tax you need to pay.
If your down payment is less than 20% of the home's purchase price, you will typically need to get mortgage loan insurance. This insurance protects the lender in case you default on your mortgage payments. The two main mortgage insurance providers in Canada are the Canada Mortgage and Housing Corporation (CMHC) and Genworth Canada.
This program provides financial assistance to low- and moderate-income first-time homebuyers for necessary repairs, accessibility modifications, and renovations to make a home safe and healthy.
Some municipalities in Ontario offer their own homebuyer assistance programs, including down payment assistance, grants, and tax incentives. These programs vary by location, so you should check with your local government for details.
Various organizations and non-profits offer educational workshops and counseling services for first-time homebuyers. These resources can help you understand the home buying process, budgeting, and financial planning.
f you have a sufficient down payment (usually 20% or more), you can obtain a conventional mortgage without the need for mortgage loan insurance.
Whether your first time home buyers or seasoned real estate investors, I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.
