CENTURY 21 Millennium Inc., Brokerage*
- 57 Broadway
Orangeville, ON L9W 1J8
A Fresh Take on Real Estate!
Orangeville is my home! I have lived here nearly my whole life... minus a few short stints in Shelburne, Paris, ON, Waterloo, Barrie and Brampton... and I am now a resident of Amaranth. I have grown up here attending public school and highschool within Orangeville. I absolutely love the Dufferin County area and I'm always eager to show people what amazing things this area has to offer.
I have chosen to come back to raise my young family in the Orangeville area due to the many amenities, wonderful people and very central location to major centres like Brampton, Toronto, Mississauga, Milton, Guelph, Barrie, Cambridge/Waterloo/Kitchener.
As a CENTURY 21® Real Estate professional, I am dedicated to providing you with the highest quality service possible. My personal knowledge of the local Real Estate market is combined with the power of the CENTURY 21 brand - the most recognized name in Real Estate today.
Let me make listing your home as stress free as possible with my many contacts with local service providers and advanced marketing plan, I will make sure you have your house sold in the shortest time period and for the best price possible.
I am also eager to assist you in finding that dream home in a neighbourhood that is right for you, and in the price range that you want. And as always, referrals are also greatly appreciated!
I look forward to working with you!
First Time Buyers Guide
I have compiled a handy reference guide to take first time home buyer's through the process of becoming home owners. It can be a tad overwhelming, but with the right knowledge the process can be a lot more fun.
Step 1: Pre-Qualification
It is best to meet with a mortgage lender and find out up front how much of a loan you can pre-qualify for. This will give you a better idea of the price range to shop for and will give you peace of mind that you are not stretching yourself beyond your budget. Most mortgage lenders/brokers will provide you with a written pre-approval that will also allow you to lock in for a pre-determined interest rate for a certain number of days (usulally 30-90 days).
Having a mortgage pre-qualification also helps when negotiating an offer for a home. Sellers are much more responsive to serious buyers who have pre-qualification in hand from a lender.
Step 2: Find a Real Estate Lawyer
Making connections with a real estate lawyer up front will allow you to have a great reference should you have any legal questions regarding properties you may be interested in and will help you to be ready when you are ready to close the deal on your dream home.
Step 3: Know what you want
Making a "wish list" of what you want and need in a home goes a long way when starting your search. This takes some careful planning. Once you know what you are looking for, your real estate sales representative will begin searching for your dream home! Some things to consider might be:
- price range
- number of bedrooms and/or bathrooms
- finished vs. unfinished basement
- proximity to work, schools and/or amenities
- fixer upper vs. move in ready
- outdoor space
Step 4: Get Professional Representation
Hiring a real estate professional will ensure that each step in the home purchasing process is as stress free as possible. Your representative will be there to provide you with expert market information and will be your skilled negotiator in getting your dream home for the right price.
By signing a Buyer Representation Agreement, you will be hiring a licensed sales representative to act in your best interests throughout the home purchasing process.
Please refer to more detailed information on how a licensed real estate sales representative can assist you and also on real estate commissions at: http://www.reco.on.ca/buyer-seller-news/do-i-have-to-sign-a-buyer-representation-agreement/ and http://www.reco.on.ca/buyer-seller-news/real-estate-commissions-and-fees-may-vary/
Step 5: Put in an Offer
Now that you have found your dream home, your real estate professional will assist you with putting in an offer on the property. They will note any issues that may affect title and will recommend that the offer include certain conditions to protect your interests.
One thing to consider is the amount of deposit funds that you will include in your offer. The deposit communicates to the Seller your commitment to fulfilling your obligations of the contract resulting in a successful closing. It also shows that you are comfortable with a certain level of risk by submitting funds until the deal closes.
There is no magic number in terms of the deposit amount compared to the purchase price. Many times the current market conditions will help to dictate this (e.g. a larger deposit may assist your offer being accepted in a competitive market).
The deposit amount is something you should consider when starting your house hunt, as you will need to submit the funds usually by certified cheque or bank draft along with your offer or shortly after acceptance, depending on what you have agreed to within the offer itself.
For more info please refer to : http://www.reco.on.ca/ask-joe-question/how-much-of-a-deposit-should-i-provide-the-seller-when-buying-a-home/
Step 6: After your offer is accepted
Once your offer has been accepted by the Seller you will now be responsible for meeting any conditions that were included in the offer. (e.g. financing, home inspection)
You may need to confirm financing with your lender by submitting the signed Agreement of Purchase & Sale. Your lender may then request an Appraisal on the property as part of the qualification process.
You may also have to schedule a home inspection. Your real estate professional may be able to refer you to a number of reputable home inspectors in the local area. A home inspection could potentially save you lot's of money in the long run by making you aware of potential issues with the property. Becoming aware of any structural damage to the home could prevent you from being liable for any repairs in the future.
If there are any issues with any of the conditions you or the seller have outlined in the Agreement, you will need to speak with your real estate professional and/or your lawyer about your options.
Once all conditions are met, your real estate professional will have you sign either a waiver or a fulfillment of conditions form. After this your offer will become firm!
Step 7: Planning your move
You may need to notify a landlord of your wishes to vacate the property. Refer to your current lease regarding notification requirements.
You may wish to attend your new property a number of times prior to moving in to measure for furniture/appliances, etc. Your real estate professional has likely ensured that you are allowed a certain number of visits for this purpose within the Agreement of Purchase and Sale.
For more information regarding additional costs to buying a home please refer to: http://www.reco.on.ca/buyer-seller-news/understand-the-full-cost-of-buying-a-home/