You've Decided to Buy a Home!

Buying a home is more than looking at houses. It's finding the right home, at the right price, in the right location. Hopefully, with a minimum amount of time and inconvenience. The best way to achieve these objectives is to work with a professional realtor who understands your needs and wants, your time frame and the financial boundaries to work within.

Selecting a Sales Associate
It is important that the salesperson understands your needs. A good salesperson will define your needs before they start to show you homes. Questions you should ask a salesperson when making your selection:
  • Will you be representing my interests?
  • Do you have access to M.L.S. information?
  • Would you provide market evidence to support the price?
  • Will you look after the details to closing and possession?
  • Can you be contacted at any time?
As a buyers agent, the salesperson's main functions include providing information on the property and the area, negotiating price & terms and arranging a source of financing if needed. Let me do the searching for you! The best buys are not always in the newspaper ads. In fact, most opportunities are on "hot sheets" available every morning to agents with access to M.L.S. information. Once you connect with a salesperson they can do a more complete search for you.
Buyer's Contribution
To effectively search for listings, you will need to provide the following details to your agent:
  • Property needs.
  • Suitable location.
  • Likes and dislikes on each property
Working together as a team, with a professional salesperson you respect, should achieve those objectives you seek - the right home for your family. I would be more than happy to assist you in this process!
Establishing a Market Value
Market value is based on what others have been prepared to pay for a similar property, under the same market conditions after reasonable marketing exposure. Market value is a fair price for both buyer and seller at the time. You may of course pay more than established market value if your desire for the property warrants it, and in a hot market this is more common. Conversely, you should not expect to pay less than established market value unless the property is being sold under duress.

Qualifying For Your Mortgage
Once you've made up your mind to buy a home, the first question that comes to mind is, "How much can I afford?" The financial aspects of buying a home do not need to be confusing. I can help arrange to have you pre-qualified for a loan before you start shopping. Most lending institutions will only allow approximately 30% of a person's income to support a mortgage and will not allow more than approximately 40% of income to support a mortgage together with other debts. The amount of money you qualify for, plus the amount of cash you can put down, will equal the amount you can afford to spend on a home. For all your mortgage financing questions, please see the Mortgage Information page.

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"Andrew worked hard to find us the right home."
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