Are you thinking about buying real estate in Duncan or the Cowichan Valley in BC?
Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial information to helping you find the home that best suits you and your family. For your convenience, we also offer hot new listings as soon as they hit the market based on your search criteria. I pride myself on repeat business and hope you'll come to understand why.
Here is how I can help
As your agent, I will:
- Assure that you see all properties in the area that meet your criteria.
- Guide you through the entire home buying process.
- Explain financing alternatives and direct you to the best possible financing sources.
- Liase with lenders so your're sure the appropriate information is available to lender.
- Make sure you don't pay too much for your new home and to help you avoid costly mistakes.
- Explain and write your offer to purchase and ast as a mediator between you and the seller.
- Let you know about and estimate all costs of purchase before you make a commitment.
- Keep you up to date with the progress of your transaction through to closing.
- Assist you with all the particulars of moving into your new home.
Before You Start Looking For Your New Home:
- Check your credit rating, straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a financing program that meets your needs and get pre-qualified.
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
Closing Costs to Expect:
- Lawyer or Notary Fees and Expenses: searching title, investigating title, drafting documents, land title registration fees.
- Survey Certificate (if required).
- Costs of Mortgage, including: mortgage company's Lawyer/Notary, appraisal (if applicable).
- Home Insurance Premium.
- Property Transfer Tax: 1% on amounts including and up to $200,000 and 2% on the amount exceeding $200,000.
- GST (Goods and Services Tax): charged on purchase of new homes or extensively renovated homes.
- Mortgage loan insurance Canadian Mortgage and Home Corporation (CMHC) Mortgage Loan Insurance
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