Buying Basics.

You need a good agent who will work hard for you. Our real estate team is dedicated to helping you find the right property at the best price. We want you to find the home or land that will make you happy and successful in real estate ownership.

When you hire us to help you buy your property, we want to know what you want and how much you can afford. Then we'll find a way to merge these two priorities and find a place that you'll enjoy owning.

It can be discouraging to find that your salary won't stretch as far as the property you want to own. However, sacrificing a huge part of your income just to pay the mortgage can very quickly make home ownership a burden rather than a point of pride.

Your debt-to-income ratio is something that lenders take very seriously. Your overall debt should not be more than 40% of your income, and your housing debt should not be more than 32%. What 32% of your income will buy depends on where you want to live. In rural areas for example, it can buy a very comfortable residence and ample acreage. In highly sought-after urban areas however, it may not even buy a 400-square-foot bachelor suite.

Keep your objectives in mind when visiting a property. Sometimes the idea of owning a property can overwhelm your practical sense, so keep your feelings in check. Keep a list handy of the features that you need and want, and judge each home by the list instead of by details that could distract you from your goal. When you're alone with your agent, you can go over the pros and cons of each property. We can help you stay on track while still keeping our eyes out for a great property.

We'll prepare the paperwork and go through it with you before submitting it. Remember, the seller may reject or counter your offer, so even at this late date, avoid setting your heart on the property you hope to own. You'll probably have to write a deposit check to the seller's broker that proves the seriousness of your offer.

If appropriate, a home inspector will check for signs of harmful materials like asbestos, lead paint and mold. They'll also check for evidence of pests, faulty wiring and leaks. This is a crucial part of the home purchase. Not getting an inspection done means that you could be stuck in a home with a bad case of black mold and no recourse other than to pay for its removal. Inspections will cost a few hundred dollars, but again, are more than worth it in the end. There are several inspectors in the area that we'd be happy to recommend.

We'd be happy to do this with you to make sure that everything agreed upon is completed prior to the final signing.

From the first interview that determines your requirements to the moment that you receive the keys, we can help you with the complicated process of buying property. Don't hesitate to contact us to find out more about how we can make the buying process easier!