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The Dela Cruz team aims to efficiently and effectively help buyers to find their home. We work with Sellers to execute their plans and reach their objectives when selling. Let our experiences benefit you. Call us now to discuss or meet. Fe: 416-476-8899 Jojo: 647-296-6767 Helen: 905-598-2739
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First Time Buyers
Buy smart with a step-by-step first-time buyers guide to figuring out how much you can afford, finding the right home, making an offer, and more.
Experienced home buyers know that there’s more to look for than a good neighbourhood and a sturdy foundation. They shop with their hearts, their heads – and with the expert advice of a real estate professional. Before you get caught up in the excitement of searching for the perfect home, here are some savvy steps to follow.
1. Know how much you want to spend
Don’t get caught in that trap of finding a perfect home that you can’t afford. Do your homework and define your budget. Get a pre-approved mortgage or consulting with your lender of choice, and keep your eye on the market, since any changes could impact what you can afford.
2. Scope out the neighbourhoods
Before you start looking at individual homes, figure out which neighbourhoods you would prefer to live in. How close are schools? Stores? Access to highways and public transit? These all have an impact. Also, check common areas in a community like parks and playgrounds – they can say a lot about how the residents feel about their neighbourhood, so look for tell-tale signs of neglect or proud upkeep. Your agent can also let you know how well certain neighbourhoods are selling, which is a good indicator of where people want to live.
3. Make a list
Smart shoppers never head to the grocery store without a list and neither should you when you head out to an open house. Organize your thoughts on paper and come up with a master house wish list that you can refer to. Divide it up into must-haves, would-be-nice items and deal breakers. Carry this list with you so that you can compare homes on the basis of your personal wants and needs.
4. Find a home inspector
Even before you locate your ideal home, have a home inspector at the ready. He or she may even be able to offer you some pointers for things to look out for when you first see a place.
5. Take your time
Don’t try to squeeze more than four viewings into a single day – it can be more confusing than convenient. Take photos and make note of the pros and cons after viewing each property so you can take a look at the next home without struggling to remember details about the one before.
6. Street sense
Be sure to ask about mutual driveways, parking, zoning bylaws and upcoming construction. You may be in a neighbourhood that is about to be receiving power line upgrades or road repairs that can wreak havoc on getting from point A to point B after you move in.
7. Be a legal eagle
Ask for a survey of the property and take a good look at it. Fences may not be on actual property lines and right-of-way issues may come into play in the future with the sale of the home next door. Don’t just rely on your judgement; hire a lawyer to inspect all of the paperwork related to a prospective purchase and to advise you.
8. Get a second opinion
If you’ve found a home that really appeals to you, show it to someone else like a good friend or relative. Let them do all the talking in case they see something you hadn’t noticed. Having someone who isn’t personally vested in the property can give you the objective opinion you need before you make your decision.
9. Think it through
In a hot market, it can be hard not to make an immediate offer. While that may work in most cases, be sure to step back, pull out your list and carefully gauge if this property meets all of your must-have criteria. Savvy househunters say that when you find the right property, you can feel it down to your bones. If that’s the case for you, see if you can wait a day (or a few hours) before making an offer. The only thing worse than buyer’s remorse is letting a dream home get away.
All information displayed is believed to be accurate, but is not guaranteed and should be independently verified. No warranties or representations of any kind are made with respect to the accuracy of such information.
Not intended to solicit buyers or sellers, landlords or tenants currently under contract.
The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.
Copyright 2021 by the REALTORS® Association of Edmonton. All Rights Reserved. Data is deemed reliable but is not guaranteed accurate by the REALTORS® Association of Edmonton.