First-Time Home Buyer
Making the decision to purchase your first home can be both exciting and terrifying at the same time. There are lots of things to think about and questions to ask before you make this decision. Thats where the team at CENTURY 21 All Points comes in. We can help you understand what you need to know, the questions you need to ask, the resources that you need, and most importantly, how much you can afford. This should be an exciting time in your life, let us help take some of the stress out of it for you!
Are you ready to buy?
Owning your own home is a big decision and it's one that will be with you for many years to come. You need to ask yourself if you are ready to take on the financial burden of a mortgage and property taxes as well as the time and effort associated with maintaining a home and property.
What kind of home can I buy?
One of the very first steps you need to take in making a decision to purchase a home is figuring our how much the banks are willing to lend you in terms of a mortgage. You need to understand if there are any financial skeletons in your closet that will prevent you from buying a home. There is no point looking at houses that you are unable to get financed for. We will recommend a Mortgage Professional who can assist you with this step.
What do you really WANT in a house vs what do you really NEED?
This is always the part that is hard for buyers to decide. You need to look at what are the most important things to you in purchasing a home and what are the things you can live with.
Are you someone who is handy and therefore willing to accept a house that requires some work? Or are you looking for something that is ready to move into? Do you want something with minimal upkeep required?
Where do you want to live? Is it important to be close to your work for other family? What specific amenities in a community or neighbourhood that you want?
We can help you evaluate what you need and match that to what you can afford.
How do we help?
You need a good REALTOR® to work with you to ensure that your needs are being met, to find you the right home for you at the right price for you and to help you navigate the paperwork, inspections and more.
When you hire our Team to help you find your first home, we will take the time and use our experience and knowledge of the local market to ensure that you get a home that you can afford and that meets your needs.
We will help you keep your wants and needs top of mind when looking at homes so emotions don't cloud your judgement. Since we are not emotionally connected to any one property, we are able to help you look at things objectively so you are making the best decision for you and your family.
Once you have made a decision on a property we will help you determine the best price and conditions to offer and assist with negotiating on any counter offers. We will make sure that you are kept informed all through the process of the offer and acceptance.
Once you have an accepted offer, we will put you in touch with all of the resources you will need to assist in the process. Our in-house Client Care Co-ordinator will assist you with all of the paperwork throughout the process from the time the offer is made through to Closing Day.
If you do not have one, we will recommend a Property Lawyer who will review the contract and handle all of the details through to closing such as transferring title and handling the transfer of all funds. A good Property Lawyer can save you lots of time and effort if any issues arise.
Additional resources we will recommend include Building Inspectors, Water and Sewer Inspectors, Insurance Brokers, electricians, roofers, and so much more. Having been in this business for more than 30 years we have people that we rely on and trust to ensure that our clients best interests are always top of mind.
We will handle making arrangements for inspections and guide you through the process of deciding how to handle any deficiencies that may come from them. And we will be there for you on the day of closing to do the final pre-closing inspection with you to ensure that everything is satisfactory and to provide the keys once the property is closed.
And it doesn't stop there! We believe in staying in touch with our clients, in making sure that you are happy with your purchase and to assist if things come up after closing. And of course, we will be here when you decide it's time to move on!
Contact us for more information about first time home purchasing.