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Sep 17

Ready to become a home owner?

  • September 17, 2018
  • Julie Jeffery

Ready to become a home owner but not sure what the steps are?

First things first: get pre-approved

We are here to help. And did you know that the pre-approval process takes less than one hour?

First let’s start a mortgage pre-approval. It’s important to know how your income, credit score, and amount of down payment impact the purchase price of the home you can afford. We will provide a list of required documents as well.

We will work together with you and discuss mortgage options and the type of interest rate – fixed or variable and we will source the right interest rate for your financial and personal situation. The mortgage application will be submitted to a lender along with the supporting documents.

Working with a skilled and experienced realtor

We can also connect you with a skilled and experienced realtor. Did you know that as a home buyer you do not pay any real estate fees? None! The seller of the home pays the realty fees. This is the biggest purchase of your life – it’s the time to work with an expert!

With the help of a realtor and your mortgage pre-approval you will be ready to find the right home. When you find that perfect home you will be ready to write an offer to purchase, it’s important to include conditions like financing and a home inspection – once accepted by the home seller – we will get to work on your mortgage approval.

When the mortgage process is complete we will let you know that you are ready to release the financing condition, your realtor will work with you to release the home inspection condition and you will be able to celebrate buying your first home.

Meeting with a real estate lawyer

The next step will be meeting with a real estate lawyer to sign the mortgage and land titles documents. As the possession date nears your lawyer will work with the seller’s lawyer to complete the transfer of ownership and on the possession date your realtor will provide you with the keys to your new home!

It’s important to know that when you purchase a home you must be available to meet with the lawyer in person. So plan ahead in terms of vacations or working gout out of town. You will need to have two valid pieces of ID as well. So make sure your passport or driver’s licence is up to date and valid.

Our preferred partners – finding a great painter, handyman, or moving company

After many years of providing mortgage services we have developed a list of preferred partners and would be happy to provide a referral – some of the best in their industries – including a real estate lawyer, home inspector, renovation companies, painters, interior designers, and moving companies.

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It’s our anniversary. 🥳

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In bad news, we went to Kananaskis to celebrate yesterday and had a beautiful lunch and afternoon together. We left the kids at home, babysitting the puppy. Vivian was not happy about being left behind. When we came home, she stared us down and stood in the middle of our bed and peed! 🤪 She’s been house trained for six months so quite a statement of defiance. #marriage #work #life #thepuppyisnaughty
      Well fall is has officially arrived! So have histo Well fall is has officially arrived! So have historically low interest rates. 🍂📉

But a mortgage decision is about far more than the rate. If you are looking at mortgage options here are the 3️⃣ most important things to know and discuss with a mortgage professional. 🙂

1️⃣ Talk about the future. Picture the next five years. What life or health or work or economic events might impact your home ownership plan? These can be truly happy or sad events. Anything that would mean you need to sell the property. 🍂

2️⃣ What are your mortgage professionals thoughts on fixed rates vs variable rates? This is a debate, it’s important and it’s a complex discussion. Here’s a tip! They need to be able to explain why lenders only advertise fixed rates? Hint...it’s not for the the mortgage holders benefit! 🍁

3️⃣ What type of mortgage rate does your mortgage professional have on their personal mortgage? And why? 🌾

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      Interest rates are at historic lows! If employment Interest rates are at historic lows! If employment, savings and credit scores are in good order and you are ready to own a home it’s a great time to buy. The decision to buy is a big one. So let’s start with a pre-approval. We will find your perfect home buying budget and make sure you have room to continue saving and to continue enjoying life! We don’t ever want a client to be in over their heads with a mortgage payment. 💙
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