Buyer Package

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Buying With A Realtor® Finding the right REALTOR® You want to the right home, in the right location, at the right price - and you want to do it quickly, with minimum hassle. The best way to do that is to work with a "Fulltime" Professional Realtor® who understands your wants and needs, your time frame and your financial boundaries. Why shop with a REALTOR®? You'll save time. A Realtor® can pinpoint homes that fit your needs and dismiss those that don‘t. You benefit from an experienced negotiator. Your Realtor® will manage your offers and counteroffers, ensuring that you get the best possible price for your home. You'll get the up-to-date, right information. Your Realtor® knows the neighborhood and can give you accurate information on local real estate values, taxes, utility costs, services and amenities. You can always count on great advice. Because your Realtor® is familiar with the entire home purchasing process, he or she can advise you of your legal and financial options, and recommend appraisal, home inspection and contracting services. You get the above valuable services of a Realtor® when a Buyer Agreement is signed. However, if you do not wish to sign an agreement, we can still service you as a valued customer and a "Service Note" can be used instead to clearly define the responsibility and position of the Realtor®. Choose a REALTOR® who meets and understands your needs Here are a few questions to ask yourself to determine if the Realtor® is right for you: Will the Realtor® be representing in my best interests? Does the Realtor® have access to MLS information? Will the Realtor® be able to provide market evidence to support the price? Will the Realtor® look after all my closing and possession details? Can the Realtor® be contacted at any time of the day/night? Is he or she a "Full time Professional"? If he or she is not, ask them "Why not"? Working with a REALTOR® As a home buyer, you must Work with your Realtor® to find the home that's right for you. Communication is key - tell your Realtor® what you want, and be specific. Offer a detailed description of your property needs and wants. If you will absolutely not consider a house without a hardwood floor, say so. And if air conditioning is a "nice to have" rather than a "must have," communicate that, too. Be specific about where you want to live. If you refuse to live outside a certain area, it might take longer to find you a home, but your Realtor® will know not to waste your time with anything not in your chosen neighborhood. Tell your Realtor® what you can afford. He or she can help you get a pre-approved mortgage from an experience mortgage broker now base on your price range. Communicate your likes and dislikes for each property you see. It will help your Realtor® narrow down the possibilities. Commit to ONE Realtor®, he or she is your partner in the home buying process. OA SL Respect and perform the terms of the Purchase/Sale and Buyer agreements. Keep an open mind. Realtors® know about those charming little areas that you‘ve never even heard of. You might your dream home in a completely unexpected place.
Buyer Net Sheet Purchased Price of New Home $ Remarks/Notes COST Deposit $ Amount varies Legal Costs (varies/approx) $ Title Search, Obtaining Tax Certificates, Utility Arrears Certificates, Sheriff’s Certificates, Building, Zoning Compliance Reports, Subdivision Compliance Report, Status Certificate (for Condominiums), Couriers, Photocopies, Mail, Fax etc. Adjustments (various/varies) $ Pro-rated: Property Taxes, Mortgage Interest Adjustment, Utility Bills, Mortgage Insurance $ Condominium Fees etc 5% down @2.75% (applies with less than 20% down) 10% down @2.00% 13% HST on Mortgage Insurance Fees $ 15% down @1.75% 20% down @1.00% Appraisal for Mortgage Insurance (approx) $ Amount varies Land Transfer Tax $ Land Transfer Tax $0-$55,000 @ 0.5% $55,001- $250,000 @ 1.0% $250,001-$400,000 @ 1.5% $400,001 or more @ 2.0% T otal $ C ondo Elevator Booking Fee (approx) $ - Amount varies Home Inspection $ Amount varies Home Insurance $ Amount varies Moving Cost $ Amount varies Miscellaneous $ Amount varies $ - - Mortgage $ Mortgage will be based on amount of $ Plus Deposit $ - @3.99% closed/5 yrs, amort 25 yrs, mthly P&I = $ Plus Equity (savings, RRSP etc) $ Plus: Insurance $ - Final Purchase price of Home $ - Approx Closing Cost (2.0% of Pur/Price) $ OA SL
Page 1 and 2: Home Buyer Package Courtesy Of: Oma
Page 3 and 4: Company Mission Statement RUN WITH
Page 5 and 6: About Larissa As a Realtor® that y
Page 7 and 8: Historic Sales Data OA SL
Page 9 and 10: The Offer Process OA SL
Page 11: Price vs. Activity Definition of Ma
Page 15 and 16: Tips For Buying 5. Learn about the

Buyer Package

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