Your Hedge against Inflation
Reasonably stable mortgage payments
Excellent Investment Vehicle

When is the Right Time to Buy?
Are you staying in the area?
Is a job transfer imminent?
Interest rates have an Impact.

How to Qualify for a Mortgage
Income Requirements
Salaried Employee
Hourly Employee
Commission or Salary plus Commission Employee
Your Employer pays a bonus
Part-time or Casual Employee
Self-employed
How important is your Credit Rating?
You have encountered Financial Difficulties
Check your Credit Rating
You don’t have a Credit Rating
Amount of Down Payment Required
Make your Offer Conditional
Free Mortgage Consultation

What Does it Cost to Buy a Home?
Closing Costs
Do your Homework

Tips for Negotiating the Best Price
Get a Pre-Approved Mortgage
Get the Most Recent Sales
Three Important Influences
-Location
-Condition
-Real Estate Market Conditions
Sellers Real Estate Market
Buyers Real Estate Market
Stable Real Estate Market
Competing with other buyers
What is the Sellers Motivation?
How much should I offer?
What is the amount of deposit required?
Comparable sales for town homes and condos
How important is an inspection?
Buying an acreage
Buying a New Home
Do a Walk-thru on Possession Date
New Home Walk-thru (Deficiency List)

Your Relationship with a Realtor
What can you expect from your Realtor?
Can a Realtor represent both Buyer and Seller?
If the Realtor does not represent you
Your Privacy

-How is my personal information collected?
-To whom may my personal information be disclosed ?
-Why is my personal information collected, used and disclosed ?
-Will my personal information be used for other purposes ?

Your Responsibilities as a Buyer