Unfortunatly we all have to pay taxes and when it comes to the purchase of a home the taxes can be substantial. So let's take the time to examine what taxes might be applicable to your home purchase. Up until the introduction of the HST, most buyers were pretty comfortable understanding the closing costs associated with purchasing a home.

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Starting to think about the next step, does it include buying a home. Are you financially ready for home ownership. Let's dissect the road that needs to be travelled before home ownership is part of your everyday life.

We are going to give your finances a complete work up to ensure that you have the most information possible to allow you to make the best decision in terms of buying your new home.

First step is to determine your monthly household expenses. You need to know how much money you are spending each month, you want to be as precise as possible, having accurate numbers will determine if you will be able to become a homeowner.

Calculate your household budget.

Another key to determining your ability to purchase a home is calculating your net worth. Your net worth is what is left over once you have subtracted your total liabilities from your total assets.  This information is crucial and will allow you to have a open and honest conversation with your lender. As well it really will give you an insight into your financial well being.

Calculate your net worth.                                                                  

You have now started down the road to gathering information about your financial well being and are on your way to exploring home ownership. For more information or to have any questions please fill out this form.

So what is a condition when it comes to a real estate transaction? To the point a condition is broadly defined as a stipulation in a contract/agreement that provides for a consequent result on either the occurence or non occurence for a specified event.

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1-You will get my Personal control of all matters related to
the sale of your home.

2-You will recieve a personally researched and prepared
Comparative Market Analysis to assist in determining the
optimum listing price for your home.

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It would be great if the only cost associated with buying a home would be the sale price but it just happens that there are others costs associated with home buying and we call those closing costs. These expenses are incurred by the buyer and are necessary to complete the purchase but are outside the purchase price for the property.  Let's review some of the different types of costs associated with closing.

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A REALTOR’S TRUE VALUE lies in the SERVICES we provide:

Our true mandate now is to guide and protect our Clients. To make sure they don’t get sued; To make sure their possessions are protected; To keep their family members safe; To make sure they don’t pay too much or sell for too little; To make sure the Purchase Agreement protects whichever side we are representing; To make sure they are aware of their best financing options; To educate them about the neighbourhoods, the amenities, the not so obvious problems with homes or areas, etc. We know where to find exactly what they need and want and we take all the financial and personal risk for them. We have real value. We earn our Fees.

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Having the right lawyer working for you while you are trying to close one of the most important transactions of your life is crucial. The question remains where do I start in trying to find the right lawyer to represent me.

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When getting your home ready for sale there are many hurdles to jump over, however just prior to listing and getting your home on the market the idea of staging your home should cross your mind. Here is a quick list of 5 benefits of staging.

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Many people often ask what should be my first step in preparing to buy a home. Lots of people new to the process love to surf MLS, visit open houses, tour upcoming neighborhoods and all of these are activities that need to take place. Step one should always be to visit your banking profesional or mortgage broker and get yourself pre approved for a mortgage.  With a mortgage pre approval, a licensed mortgage specialist can do a more complete verification prior to sending you shopping for a home and with that done, the dollar figure you are shopping with is actually what you spend.

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