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You guys are great and thank you for understanding my credit problems and helping me finance my home, most other companies I’ve seen do not offer the level of service as you guys do. I had an excellent home buying experience, and will definitely recommend you to my friends and family.

    -Jeffrey Grove, Hamilton

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Your Home Buying Team Print E-mail

Purchasing a home requires more than just the buyer and the seller. You will need the help and services offered from home-related professionals. Let us help you find what’s best for you!

The Realtor:

A realtor can make the home buying process a lot easier by doing a good amount of research for you. A realtor is a certified real estate agent who is aware of the latest properties by keeping track of the Multiple Listing Service (MLS) and other sources. He/she should be able to negotiate terms and conditions of your purchase with the seller's agent or with the seller directly. The realtor's commission is usually split between the buyer's agent and the seller's agent. A realtor will screen available properties that most closely meet your requirements and will also arrange to view them with you at your convenience.

The Lawyer:

Your lawyer will make sure that the home that you purchase is legally yours. When you buy a house, you’re also buying the legal rights of ownership. Your lawyer should conduct a title search to ensure that the seller is the true owner of the property. The lawyer should also obtain all important documentation including a compliance Letter, which acknowledges that no outstanding legal claims are in effect and a Tax Department release verifying that property taxes are completely up to date. The lawyer takes care of the transfer of ownership from seller to buyer, the registration of the mortgage, and ensures that all mortgage terms and conditions are met. The lawyer must contact you and be present when you are signing any legal documents. Lastly, he/she coordinates the closing of the purchase transaction with the lawyer(s) for the seller of the house.

The Mortgage Lender:

We can help you find a lender who will give you the best rate, best suitable for your needs. The mortgage lender will want to be sure that the mortgage you are requesting corresponds to the value of the property you intend on purchasing. The mortgage lender will set out criteria that you will need to meet to qualify for a mortgage loan.

Appraiser:

Appraisers will assess property value for the lender. An appraiser is hired to conduct an inspection of the property to be purchased. The appraiser will provide the lender an opinion about the market value of the house to be purchased, which can be compared to the purchase amount.

Home Inspector:

The home inspector (not provincial licensed in most cases) will inspect the property for major flaws. The results are presented in a written Home Inspection Report. The Home Inspector will identify the quality of the house and any improvements that have been made overtime. He/she will also note any specific flaws in the home and their impact on the value of the property. The home inspector will then provide an estimate of the cost to correct any identifiable flaws in the home.

Builder's Representative:

The builder representative arranges the sale of new homes to the buying public. Should you decide to purchase a new home from a builder, you will have to deal with a builder representative. He/she will provide information to buyers on the house models, lots, costs of purchasing, municipal procedures and requirements, New Home Warranty programs, etc.

 



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