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As Your Buyers Agent I Will...

  • Represent your best interest.
  • Inform you on recent market changes.
  • Show you loyalty, and confidentiality.
  • View any properties with you.
  • Be available at all hours of the day.
  • Send you up to date listings.
  • Supply & prepare all necessarily documents.
  • Negotiate best terms, conditions & price on your behalf.

Helping You Is What I Love To Do

Whether you’re Buying, Selling, or Investing. 

I'm here to support and guide you through to the finish line.

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Process in Purchasing a House

1.  Get Pre Approved 
Call your lender and simply book an appointment to get pre approved for a mortgage.
This will help you better understand what's your budget.

2.  Find An Agent

Your agent should be someone who you can trust and someone that will work hard for you! They will guide you through the process, negotiate on your behalf and will take care of all of the necessary documents.

3.  Find A Property

Your agent will view houses with you and point out different things that you should be aware of. Don't be afraid to view plenty of properties with your agent before you make any decisions.

4.  Write An Offer

Your agent will help you prepare an offer. Your offer can be conditional to mortgage approval, home inspection and many others. It will also indicate whats included in the property and your possession date. Your agent will present the offer with your deposit to show you are a serious buyer.

5.  Negotiation

The seller will decide to accept, reject or counter your offer. You can negotiate by raising your offer or changing conditions.

6.  Accepted Offer

Once the offer is accepted by both parties. You will begin to satisfy the conditions on the offer.You will apply for the mortgage and book a home inspection for the property, etc. If you are unsatisfied with the outcome, your deposit gets returned to you. If you are satisfied the sale is final.

7.  Purchase House Insurance

Your lender will require you to gain home owners insurance for the purchase of your house. It is always a good idea to shop around for best rates.

8.  Closing

Before your possession day, you will meet with your lawyer to transfer the property to your name, receive your keys and pay your down payment as well as any other applicable closing fees that the lawyer may need.

9.  Possession Day

Time to move in.

Helping You Is What I Love To Do

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Closing Costs For Buying Property

Set aside about 2%-2.5% of the purchase price of your property to cover closing expenses.

Down Payment
The portion of the purchase price that you upfront yourself.

Legal Fees
You will be required to retain a lawyer to act for you in the purchase and mortgaging of the property, and you will be responsible for payment of all related fees and disbursements.

Land Transfer Tax
The province of Manitoba charges a one-time tax based on a percentage of the purchase price of the property.

Interest Adjustment Costs
Most lenders expect the first mortgage payment one month after purchasing. If you close mid-month, however, some lenders will expect the first payment in 2 weeks time, or at least the interest accrued during that period. When arranging your mortgage, ask how interest is collected to the interest adjustment date.

Property Tax & Utility Bill Adjustments
The purchase price of a resale home is always payable "subject to the usual adjustments" at closing. This means that any amount that the seller has already prepaid will be adjusted so that you pay the excess amount back to the seller, and vice versa. The most common adjustments occur on property taxes and utility bills that have been paid for ahead of time.

Home Owner Insurance
Home owner insurance protects you in case of fire and certain other disasters. Your lender requires you arrange property insurance for your home's replacement value. The insurance must be in place before your lender advances the mortgage funds.

Home Inspection
A home inspector checks that everything in the home is in good working order. If a roof needs repairs, you want to know about it right away. A home inspection helps you make a more informed decision about buying a home. At this point, you can walk away from the sale if you are not satisfied.

Property Appraisal
Your bank will have hired an independent appraiser to determine the value of the property and whether it meets its lending criteria. This may or may not be required depending on the type of property being purchased.

Property Survey
Required by the financial institution for mortgage approval, and by your lawyer for transfer of ownership. The offer to purchase should indicate whether the seller or you will upfront the necessary expense to obtain the appropriate certificate.

Title Insurance
Title insurance is an insurance policy that protects you, the home owner, against challenges to the ownership of your home or from problems related to the title to your home. Talk to your lawyer to see if a title insurance policy is right for you.

Default Mortgage Insurance Premium
Your lender requires this coverage if your down payment is less than 20% of the purchase price. This premium can be added to your total mortgage balance.

Mortgage Life Insurance
Unexpected health or employment changes can affect your income and your ability to afford your home. Consider applying for insurance when you set up your mortgage. There are several options that can help protect you and your family's financial future if you’re diagnosed with a critical illness, pass away, lose your job or become unable to work due to a disability.

For more Information or questions on the costs of purchasing property. 
Contact Me Today!

Helping You Is What I Love To Do

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