News Flash~ the market conditions are now more in balance. Check out the link below to a Buyers Guide I have created especially for you~a one-stop resource for everything related to buying a home. OR~ Scroll through the steps below for insight & sign up as a Preferred Buyer to hear first-hand of new listings. 

"Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.” -Franklin D. Roosevelt

Redefining YOUR Home Buying Real estate Experience

Step 1... So many great faces to choose from...

Let's be honest; there is a multitude of great Realtors® here in the Comox Valley to choose from. In fact, there are 167 to date. Why not interview a few to determine the best fit for you? It is one of the most significant investments you will likely make in your lifetime, right? Personality, availability, market knowledge, experience, and collegial relationships... all important to consider. Out of town? Consider a face time or Zoom Meet & Greet.

Step 2... Meet & Greet Date... Are WE a good fit?

Whether a 1st-time buyer or a seasoned investor, you will have questions... What is the market doing? What services do you offer? Will I be asked to sign anything? What do I need to know that I don't know? 

*Ask me for my cheat sheet of questions to ask when interviewing a Realtor® and always look at testimonials.

Step 3... “How much Dough do you have?”

There is an old saying in real estate ~ "How much dough do you have?" If your chequing account is flush, you are one of the fortunate few. For most, purchasing in today's market requires a mortgage, and you will have to jump through some hoops to determine your purchasing power. Start with your Bank and/or meet with a Mortgage Broker to get "Pre-Approved" for a mortgage loan. Obtaining a pre-approval letter is a valuable resource to submit with an offer IF you require a "subject to FIRM FINANCING." Your lender will usually hold a set interest rate/terms for 90-120 days while you start shopping.

*Ask me for some names of Mortgage Brokers that will impress.

Step 4... Wish List & Reality Check...

With budgets come compromise... Write down your wish list... location, property amenities and time frame for purchasing. Let's confirm that your expectations are in alignment with the price point. If your budget is Holiday Inn Express and you are shopping Hyatt... 

*Ask me for recent sales data showcasing property values ~ Don't just take my word for it. 

Step 5... Welcome to exclusivity...

Based on your wish list and budget, I will set you up on my Preferred Client Services Program (MATRIX). Your exclusive back door access to notifications of new listings and sales directly to your inbox while tagging me along the way. Now we both have eyes on properties within your search criteria without having to search When a property piques your interest~ text me. I will forward all the information... floor plans, zoning, video links, property disclosure, title, survey and, of course, my 2 cents on the property. 

*That is where my expertise, quick response time & solid communication comes into play... it is about to get serious folks. 

Step 6... Excuse Me... What does all this actually mean?

Glad you asked... Spending 30 minutes reviewing the documents you will be asked to sign in advance of making an offer will save time and stress. There are always legal forms and legislation changes.

*Let's review in advance... CPS, Disclosures, FINTRAC, Authentisign...

Step 7... Let's get out on the town.

A Realtor® you trust- check. Financing pre-approval letter- check. Understanding of market conditions- check.  Familiarity with documents you will be required to sign with an offer - check. Access to the new listings- check... Time to get out and look at properties. Be ready to hear my comments... the Good, the Bad, and the Ugly!  

* I may be dressed for success in heels and white but don't be fooled. If we have found a serious contender let's check out the crawl space... spiders and all. 

Step 8... Put a ring on it... The promise.

You are in LOVE & I have given the nod of approval on market value, location and re-sale. You are ready to make an offer. With the stars aligning, no one else has those same sentiments and we can prepare a civilized offer with civilized negotiations. If you are in competing bids... we redirect our approach. Time is of the essence, as is sharpening your pencil and balancing your risk tolerance. 

* This is where I earn my keep $ to advise you best and protect you.

Step 9... Acceptance, Counter or Rejected... Acceptance, please.

Once your offer has been accepted, you have a legally binding contract. Only the Buyer can collapse the offer during this period. This excludes Time Clauses (a lesson of its own). Congratulations!!!

* I will best advise you in writing a legally enforceable contract with your best interests foremost and utmost. 

Step 10... I Do Do Do... Due diligence.

Let’s look past the "love at first sight"  and bring in the experts for their approval...Building Inspectors, Lender Appraisers, Insurers and Lawyers.

 *I have you covered with detailed checklists, trusted suppliers and expert guidance. This is why you made the right choice to work with an experienced Realtor®

Step 11... Sign on the dotted line... Open the Champagne.

Once more set of signatures and the SOLD sign goes up,  bubbly is opened and you are legally committed to buying this property. No cold feet here folks. Time to book the moving truck. 

*Yours truly forwards the paperwork to your Lawyer and Lender who take things from here.

Step 12... Bring in the Suits.

You have officially removed your conditions to purchase, and documents have gone to the Lawyer and Lender. Within a week of you taking possession, an appointment is booked where the title of ownership documents & payment is coordinated. 

*Got questions I am still here on speed dial. 

Step 13... Can I have the keys?

You have your home insurance in place, moving truck on the way and your bank account looking less flush.  I will meet you at your new address with your keys on possession. 

*Any questions or concerns? I am still here on speed dial. 

No one likes 13 Steps... so I will surmise by saying “I am still here” to Redefine YOUR Home Buying Experience.

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MLS® property information is provided under copyright© by the Vancouver Island Real Estate Board and Victoria Real Estate Board. The information is from sources deemed reliable, but should not be relied upon without independent verification.