Dawn McWhirter, Sales Representative A-309 Lakeshore Road West Oakville, ON L6J 1J9 Phone: 905-338-9000 Mobile: 289-242-1692 Email Dawn

SEARCHING FOR A NEW HOME?


Our commitment to you!

 

Getting Started: What are you looking for?


Whether you are a first time home buyer or you are entering the marketplace as a repeat buyer, you need to ask why you want to buy.

  • Are you planning to move because of a lifestyle change?
  • Is buying an option or a requirement?
  • Do you really know what you need and want in your home?

You'll save yourself lots of time and frustration if you make a list ahead of time. Consider such things as pricing, location, size, amenities (a pool or an extra large garage?) and design (one story or two, colonial or contemporary). Think about the features you must have, would like to have, definitely don't want and would prefer not to have. And finally, consider your needs in several years. Your goal is to find the right home for your family without falling in love with one that doesn't suit your needs. We can go through a Buyer's Questionnaire to assist in figuring out what type of home will be the right home.  We'll negotiate the offer, help you with financing and inspection matters, and make your dream become a reality.  

Our O


Steps to buying a home 

It's time to get started understanding the home buying process.  We'll take you through the planning process step-by-step, to help you determine which home is right for you.  Click on buyer road map.

  1. Determine your finances  - What can you afford?  Based on your down payment, income, existing debt, regular expenditures, and other key financial information, a mortgage specialist can help you determine how much you can afford to pay every month and the price range that works within your budget. We can help you find the right specialist. 

  2. Finding a real estate agent -  An agent to help you find your dream home is important to the home buying process. We will show you homes that match your criteria, guide you through the home buying process, and negotiate the best possible price for your home.

  3. Determine Neighbourhoods that fit - Once you have an understanding of your finances and budget for buying a home, you can work on figuring out which areas best suit your needs.  Do you require access to transportation, schools, proximity to highways and activities.  This will help determine which area will be fit you and your families needs and wants. 

  4. Making an Offer - After we find the home you've been looking for, we'll discuss current market conditions, what comparable homes are selling for and determing what other factors are important to you in the deal. Then we will draw up an Offer to Purchase to present to the Seller. 

  5. Retain a Lawyer - It is important to hire a lawyer who specializes in real estate.

  6. Arrange the Home Inspection - Once the offer has been accepted, a professional inspection is a good way to uncover any potential problems with the home.  If the home doesn’t pass inspection you can adjust or withdraw your conditional offer.

  7. Get the mortgage approved - With a copy of the signed Offer to Purchase and the necessary financial information, your mortgage specialist will submit your application to the mortgage lender. The lender will qualify the application and complete the valuation on the property you have purchased.

  8. Get Property Insurance - You’ll need to purchase property insurance that protects your home against fire and other damages.

  9. Check the Legal details - Once the deal is finalized, your lawyer will search the title and check if there are any outstanding items on the property such as taxes. 

  10. Complete the Paperwork - A few days before the close of the house, you will need to meet with your lawyer to complete the paperwork , pay the remainder of your down payment, legal fees, land transfer taxes and any additional costs associated with the closing. 

  11. Pick up the Keys - On closing day, once paperwork between lawyers have been exchanged you can pick up your keys and move in.... 

  12. First Time Home Buyers - There are different government programs that may be able to help with your first purchase of your home. 

    1. First-Home Buyer’s Tax Credit - assists first-time home buyers with the costs associated with the purchase of a home, such as legal fees, disbursements and land transfer taxes.  Here’s more information on the first-home buyers’ tax credit
    2. Land Transfer Tax Rebate of up to $2,000 may also available for first-home buyers in Ontario. Click here for more details.

Helpful Articles



In the following reports, you'll find the information you need to make a wise buying decision.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Halton or elsewhere in Ontario.

Below, select desired reports and complete the form provided. We will be happy to send you the articles that match your request. 

Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
But Do You Need It
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
Buying Your First Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
The Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
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