As the season start to become cool and damp, there is five quick tips to get your home ready for fall/winter and help with heating costs and potentially larger maintenance work and

Dated: April 2 2021
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If you’re thinking of buying your first home? Here’s what you need to know and steps to take when you’re first starting out.
Falling in love with a house you can’t afford can be heartbreaking. It’s best to avoid disappointment by first getting a pre-approved mortgage, before you start looking for your new home. That way you know your budget and what you can afford.
Sit down and make a list of must-haves and nice-to-haves. Be realistic, but be clear about the features you can’t live without. How many bedrooms do you need? Bathrooms? Do you want a home office? A garage? How about a big backyard? Hardwood floors? Eat-in kitchen? Consider your lifestyle and your stage of life. If you’re planning kids in a year or two, the studio loft might not be your best bet.
Living in an area you like is as important as buying a home you love. Do you want a busy urban lifestyle, a house in the ‘burbs, or a quiet place in the country? Would you like to walk to work or are you okay with a longer commute? Do you need to be close to good schools? Recreational facilities? Shopping? It’s all about decisions you need to make.
Go to open houses and ask the right questions. Visit mls.ca. Check the classifieds. Drive around the communities you like looking for For Sale signs. Talk to your REALTOR® about your needs and start looking at properties. Being a first time buyer you want to take your time to research.
Put together the right group of experts to help you buy. Start with a REALTOR® you trust, then look for a reputable lender or mortgage broker, a lawyer, a home inspector and an insurance broker. Your REALTOR® works closely with all of these professionals, and will be happy to recommend people you can depend on.
You’ve found the perfect place – now it’s time to make an offer. An offer to purchase includes the purchase price you’re offering, chattels to be included in the purchase (like appliances or light fixtures), the amount of the deposit, the closing date and any other conditions.
As your REALTOR® I help you prepare your offer, and present it to the vendor. This offer is either accepted it or countered with another offer (which asks for a higher price or different terms). You can accept or reject the counter offer. If everyone agrees, the home is yours. If not, you can make another offer, or you may have to keep looking.
Once you’re approved, you’ll need to decide what type of mortgage works best for your needs. Will you go with a fixed or variable interest rate? Will your mortgage be closed or open? What will your amortization period be? Will you make payments monthly, biweekly or weekly? Your mortgage broker or lender can help you find a mortgage that suits your needs – and saves you the most money in the long term.
Real estate is about service first "this is your journey". Buying or selling a home with Kim, you can expect excellent professional & personable service. ....
As the season start to become cool and damp, there is five quick tips to get your home ready for fall/winter and help with heating costs and potentially larger maintenance work and
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Attending an open house is a great way to check out what is for sale, and also a chance to interact with the hosting agent. That interaction and attending an open house can get you more information
If you’ve decided to buy a home. It’s important you understand some of the potential closing costs, in addition to the price you’re paying for the property.Most people who are