When you are buying a home you want the best listings, fast and accurate information, and a trusted guide to getting you the home you want for the best price.
A wide range of decisions goes into purchasing a home, whether it is your first, starter home, or the “forever” home you have dreamed of for years. Taking into consideration location, style of home, neighborhood amenities, your income, market trends, and the needs of your family, The Hilson Team helps you find a house that will be home for years to come.
A real estate sales representative is a professional who can save you time and trouble. And possibly even a lot of money. You see, real estate sales representatives have the home buying experience most people lack. They know all of the steps and they are good negotiators who will work on your behalf.A sales representative will:
If you've decided to do some renovations on your home to make it more sellable, it's time to look for a credible contractor. Before anyone begins work on your home, it is important to do your homework.1. Ask for Referrals
♦ When you're interviewing contractors, ensure their credibility. Contact their references. Ask to see some samples of the contractor's work and speak to his clients to ensure that they were satisfied with the price, length of time in which the project was completed and overall, how the project was handled. Also, check with your local Better Business Bureau.
♦ Once you have the names of a few contractors that look promising, arrange to get estimates from them. By arranging for three quotes you'll get a good idea of the costs and quality of work.
♦ When going over the project with your contractor, ensure that he understands your needs and your budget. Each contractor will have a different idea on how to approach the work and they should inspect your home before giving an estimate. If contractors are bidding based on an architect's plans, be certain that they have detailed their approach to the job based on the drawings.
♦What's more, if there is a significant difference in the price, ask the contractors to explain their estimates. And keep in mind that the lowest price is not always the best. A price that's too low may mean that the contractor has undercut to get the project and then may submit additional project costs once the project is underway. As well, a high price doesn't always mean that you're getting gouged. The contractor may have budgeted for higher quality materials and may offer workmanship that is of overall better quality.
♦ In every case, before you sign the contract, be certain that it is as detailed as possible to the point of noting the specific finishes and brand names of the products to be installed.
The true test for a buyer is "What else can we buy for the same or less money?"
In short, a lender is anyone who will give you money. There are private lenders and institutional lenders, like banks and credit unions. Even your brother-in-law can be your lender. Of course, when you're looking for a lender, you' re looking for a long-term relationship and terms and rates which are beneficial to you.
You really have a few options. You should go to a mortgage broker who will search the mortgage market for the best rates and conditions based on your circumstances. Usually the broker is paid by the lender without cost to you. However, the cloudier your credit history, the more likely there will be a fee! A good mortgage broker will be connected to all major lenders through the mortgage market.
You can also do your own search. With a good credit history, it's really not that complicated. Pick up your newspaper and you'll see what the different lending institutions are offering. Find the institution you feel you would be most comfortable with, and one that offers the terms and conditions you're looking for. Then, go in person and negotiate your best deal. We'll go into more detail about this process in the arranging a mortgage section.
During the buying process, you may need the services of a sales representative, a contractor, an appraiser, a lender, a mortgage broker, a lawyer, a home inspector or an insurance broker. The Hilson Team explains the roles of each of these experts and helps you determine whether they are a necessary part of your buying process.
Contact The Hilson Team today about real estate home buying and selling in Milton. Ontario! They will assist you in choosing the perfect house within your budget, while still focusing on your needs and wants in a home.
This is a person who will do the leg work in finding the institution which offers the mortgage terms and conditions that are right for you. Much like an insurance broker, this professional works for you and can offer you an unbiased referral. Although most brokers are paid a finders fee by the lender, some will charge 2% of the total mortgage to find you a lender.
A lawyer is there to represent your interest, and to process the documentation required. The legal aspects differ from province to province. Your sales representative can recommend lawyers to advise you on the steps to be taken before the keys to your new home are presented to you. A lawyer helps ensure you are protected!!!
Have the home inspected! Whether you make it a condition of purchase or not, having the property pre-inspected by a qualified home inspector will give you the added confidence that you've made the right decision. Be very careful to verify the qualifications of your home inspector because there are no government standards or licenses for home inspectors. Some home inspectors in Canada do not have any form of accreditation. For your protection make sure your home inspector is a member of (PACHI) or (OAHI). This is your assurance that they have met their education requirements, have the experience and carry E & O Insurance.
You'll want to make sure your property and valuables will be covered. A broker offers independent advice and can save you time, trouble and money. Plus, the bank will insist that you carry full insurance since your property is used as collateral against your mortgage.
Starting the search for a new home as soon as your old home is on the market can be a key in making the transition from your old house to your new house. The Hilson Team will provide guidance in the preparation critical to maximize your home's market value, helping you make your home appealing to prospective buyers by comparing it to other homes on the market and sharing these findings with you..
The Hilson Team will offer assistance in showing the home, staging an open house, and advertising your home, which all contribute to a faster home sale. They will help you sell your old house and find the perfect new place to call home.
Please complete and submit the following Online Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.
To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person.
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REMAX Real Estate Centre Inc. Brokerage
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