BuyingLet Me Help You Every Step Of the Way.When purchasing a home, you are faced with a multitude of decisions. Finding that perfect home is not an easy task, and obtaining a mortgage loan can be a complex and tiring process. Once you've made the commitment to reach that home-purchasing goal, though, the rewards you can achieve are unquestionable.
Assisting you every step of the way, I'll make the process of purchasing a home in Vancouver easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I'll help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale in Vancouver that match your specifications, and guide you through the myriad of details attending the actual purchase.
I have sold homes in Vancouver now for 16 years. I will help you determine which properties are fairly-priced and in good condition before you start your search. Your First StepYour first step in the home-buying process is to define the reasons why you want to purchase a new home. To stop paying rent? To start building equity? To have a place of your own? To raise a family? To move up to a bigger house?
Determine the style of home you prefer and the Vancouver area in which you'd like to live. Be specific.
Develop a needs vs. wants list. Everyone has a picture of their ideal home. This home would include all the features you not only need, but have long desired. However, when it comes time to buying a home, these desired features constitute additional costs. While it's nice to think about having an artfully landscaped backyard, or built-in appliances, these are usually considered luxury items, which can add considerably to the price of your property. Begin the list with items you absolutely need like adequate room, garage space and number of bedrooms. How much space do you really need? Does your situation require a one-level home, or are stairs acceptable? Basic needs should be considered first. After these have been established, you can consider additional features if you can manage these benefits financially. With such a list in your hands, you're less likely to be caught up in the excitement of the pursuit. You'll have a good idea of what you want, the features within your price range, and whether or not you can afford those additional items.
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (downtown Vancouver, Burnaby, Port Moody); neighbourhood (older and settled or brand new). Check out the neighbourhoods you're considering, and ask around. What amenities does the area have to offer? Are there schools, churches, parks, or grocery stores within reach? Consider visiting schools in the area if you have children. How will you be affected by a new commute to work? Are there infrastructure projects in development? All of these factors will influence the way you experience your new home, so ensure you're well-acquainted with the surrounding area before purchasing. To learn more about what to look for in a new neighbourhood, please visit my Special Reports section! Your Next Step: Loan Pre-ApprovalOnce you've narrowed down your list, you're ready to take the next step in the purchasing process: getting pre-approved with a Vancouver mortgage company. While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford. When you're pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has pre-approved your loan before you've found a Vancouver home to purchase. Keep in mind that the bank or financial insitiution will usually have conditions to this approval which will need to be met once an offer is accepted.
Pre-approval gives you substantial leverage: sellers immediately see you as a serious buyer. Not only will you know the exact price range you can afford, but you'll also be able to negotiate a better deal and move more quickly when you see a Vancouver house you like. Depending upon market conditions, a seller may lean towards an unconditional offer, so you'll have less negotiating power if you have to wait for mortgage approval. Banks and financial institutions have developed many programs catered specifically to home buyers. Once you review your needs and objectives with a lending officer, you'll be one step closer to purchasing your home in Vancouver.
Contact me and I'll be happy to refer you to a Vancouver mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for his/her clients. Let Me Find the Perfect Vancouver Home for YouIt is a very time consuming process to view every home available that meets your needs. I can do much of the work for you, by establishing your needs, then reviewing a range of properties and advising you of potential matches. I access to the best possible resources and communication systems available today to help you locate homes on the Vancouver real estate market that match your specifications and a fairly comprehensive knowledge of the available homes in your Vancouver neighborhood .
Once you've been pre-approved and know what price range you plan to stay within, I can help you determine which properties fit your needs and wants, using the (MLS) Multiple Listing Service system.
Start your search now!! I Will Help You Every Step Of The WayAs a Vancouver Realtor with years of experience and a proven track record, it is my job to guide you through this complicated process, from beginning to end. Contact me today, together we will prepare a unique system to suit your particular needs and goals. From helping you find your dream home to closing the deal - and every small or large step in between - I will be there to ensure your journey to life behind a new door is a smooth one! |
Irene Hamming
Let's discuss your next home sale or purchase, with no obligation.
Give me a call at 604.805.8803
RE/MAX CREST REALTY 3rd 1195 West Broadway, Vancouver, British Columbia, V6H 3X5 Cell: 604.805.8803, Office: 604.602.1111, irene@irenehamming.com
The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.