Found 21 blog entries tagged as buying a home.

When it comes to real estate transactions, understanding the importance of a home appraisal is a cornerstone for informed decision-making. Whether you're purchasing a new home or refinancing your existing property, a home appraisal plays a pivotal role in ensuring fair value assessment. In this comprehensive guide, we'll demystify the concept of a home appraisal, its mechanics, and the benefits it offers. If you're new to the world of real estate, fret not – we'll break down the differences between a home appraisal and a home inspection, equipping you with the knowledge you need.

What is a Home Appraisal?

A home appraisal is a professional evaluation of a property's value, conducted by a licensed appraiser. Unlike a home inspection that focuses…

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Buying a home in a seller’s market can be a challenging task, especially when faced with multiple offers on the property you desire. However, with the right strategies and a solid understanding of the process, you can increase your chances of securing your dream home. In this blog post, we'll provide practical advice for home buyers, specifically tailored to the unique conditions of a seller’s market. Get ready to navigate the competitive landscape and come out on top!

Get Pre-Approved and Set a Budget

Before diving into the home search process, it's crucial to get pre-approved for a mortgage and determine your budget. This will not only help you understand your financial limitations but also demonstrate your seriousness to sellers. Having a…

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Welcome to the exciting world of homeownership!

As you embark on this thrilling journey, we've crafted a checklist to guide you through the process. Let's dive in and make your dreams of owning a home a reality!

Get your finances in order

Take a close look at your finances and create a budget. Determine what you can comfortably afford, considering mortgage payments, insurance, taxes, and maintenance costs. A solid financial foundation sets the stage for a successful homeownership adventure. Check out our mortgage calculator.

Save for the down payment

Start saving specifically for your down payment. Every dollar counts, so create a savings plan and watch your down payment fund grow. The more you save, the closer you get to unlocking the door…

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St. John’s is a vibrant city, full of culture, natural beauty, and - plenty of homes for sale. Whether you’re a first-time buyer or looking to upgrade, there are a variety of properties available to suit your needs. However, buying a home can be a complex process, with many factors to consider. That’s why we’ve put together this comprehensive guide, to help you navigate the world of homes for sale in St. John’s.

Homes for Sale in St. John’s

Before we dive into the details of buying a home, let’s take a closer look at the homes available for sale in St. John’s. The city is home to a wide range of properties, from cozy bungalows to sprawling estates. Some of the most popular types of homes for sale in St John’s include single-family homes,…

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The real estate industry has always been known for its traditional ways, but in recent years, technology has started to disrupt the way things are done. From virtual tours to online marketplaces, technology is transforming the real estate industry in exciting ways, making it more efficient and accessible for buyers and sellers alike.

One of the most significant impacts of technology on real estate is the rise of online marketplaces. Platforms like RE/MAX and Realtor.ca allow buyers to browse listings, schedule tours, all from the comfort of their own homes. This convenience has led to a rise in virtual home buying, with buyers sometimes purchasing properties sight unseen.

Another way technology is changing the game in real estate is through…

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While technology has certainly made the real estate industry more efficient and accessible, REALTORS® still play a crucial role in the buying and selling process. Here are a few reasons why a REALTOR® is still important:

Personalized expertise

REALTORS® bring a level of personalized expertise to the table that technology cannot match. They can provide insights and guidance based on their experience and knowledge of the local market, and can tailor their advice to each individual client's needs and preferences.

Negotiation skills

Negotiating the sale or purchase of a home can be complex, and having a REALTOR® with strong negotiation skills can make all the difference. They can help clients get the best…

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Is buying a home all about the money? You may be led to believe this, but what about factors like conditions, personal offer letters, and the closing date? Sellers often need to consider things past finances when making the decision about which offer to accept.

The reality is, navigating the offer process for buyers can be stressful and putting in the highest offer doesn’t always guarantee the home will be yours. Under seller’s market conditions, when there’s more demand than inventory supply, it’s likely buyers will need to consider more than a full-price offer to increase its desirability.. With this in mind, let’s examine what else sellers look for when weighing the value of an offer.

“There have been several cases where our clients have…

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As a first-time homebuyer, navigating the Canadian real estate market can be a daunting task. With fluctuating interest rates and housing prices, it’s essential to do your research and be prepared before making any significant investments. Here’s a guide to help you buy your first home in today’s market.

Determine your budget

Before you start looking for a home, it’s crucial to establish your budget. You should consider your income, debts, and other monthly expenses when determining how much you can afford to spend on a home. Experts suggest that your monthly mortgage payment should not exceed 30% of your income.

Check out our mortgage calculator!

Save for a down payment

Typically, you need a down payment of at least 5% of the…

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Buying or selling a home is one of the biggest financial transactions most people will make in their lifetime, and choosing the right REALTOR® is crucial to ensure the process goes smoothly. With so many REALTORS® out there, it can be difficult to know where to start. Here are some tips on how to choose one that's right for you.

Do your research
 Start by researching REALTORS® in your area. Look at their online presence, read reviews, and ask for recommendations from friends and family. You can also check with your local Chamber of Commerce or Better Business Bureau to see if there are any complaints or negative reviews.

Look for experience
When choosing a REALTOR®, it's important to look for someone with experience in the type of property and…

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Difference between banks versus mortgage brokers

When looking for a good mortgage rate, there are two main options: going directly through a bank or working with a mortgage broker. Each can be a good option, depending on your financial situation. So how do you decide which one to try? Let’s look at the difference between banks versus mortgage brokers, their pros and cons, and how to figure out which is best for you.

The Difference Between Banks Versus Mortgage Brokers

The big difference between a bank and a mortgage broker is that a mortgage broker can provide you with mortgage products from several different lenders, while a bank can only give you the mortgage option from their own company. Mortgage brokers have access to a variety of lenders and rates, which means…

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