Dear buyer:

Please contact me for a no obligation and free interview to get information about market conditions, condominiums, homes, mortgages, conditional offer, choosing a location and ... Email: OR Cell: (647) 808-3450

Avoid following mistakes, contact me anytime to discuss these issues before wasting your money. Without a professional help buying a home might be confusing and frustrating, let me help you in this complex process. Remember using a realtor for buying a home in the majority of time is completely FREE. Reach me at 647-808-3450 and ask me any question.

We have created a program to assist you through the home buying process. Fit To Buy is a comprehensive guide to buying property. Read the guide online and watch helpful clips.

7 COMMON Mistakes By Home Buyers:

Mistake #1 - Not getting pre-approval for a mortgage before you start searching for a home.
Getting pre-approval for a mortgage will let you know in advance what you can really afford and then you can make a realistic search with a reasonable price range. It Also locks the interest rate for a period of time. With your pre-approval you can show seller your financial strength. Your agent helps you to get a pre-approval very quickly if you meet the mortgage requirements.

Mistake #2 - Not being honest with agent. Your agent must explain the buyer/agent agreement. If something is not clear, ask your agent for clarification. Ask your realtor for free One-on-one consultation to explain the whole process for you. This service is completely free.

Mistake #3 - Not taking the proper insurance for home. Make sure the insurance for the home covers your needs from the moment that contract has been signed. Also your lender will want to see your insurance coverage for the new home. Get it at the quickest possible time, so it doesn’t affect your moving and settlement .Ask your lender about additional insurance if necessary.

Mistake #4 - Failing to use the facts in negotiation process. Before making any offer ask your realtor to provide you a comparative market analysis, It lets you know what the sold price of the similar properties in the neighbourhood are, in order to know whether the asking price is reasonable or not.

Mistake #5 - Not asking for realtor professional resources
Your realtor is beside you in all your real estate needs in order to make your transaction more pleasant,, so ask him to refer you the loan brokers, qualified home inspectors, movers,...

Mistake #6 - Searching for a property without Buyer’s Agent.
Some people think if they don't use a realtor service in buying process they can save money. First of all in majority of the time buyer doesn't pay any commission and receives a free service and second, the agent can save thousands of dollar for buyer by finding the right property, by preparing the offer and negotiating for the price and conditions. Remember buying process needs professional knowledge and information and can be confusing and costly without a realtor.

Mistake #7 - Not estimate your current situation as an owner or renter
If you own a home and must sell this home before you buy a new one, Ask Your realtor to do a completely free of charge comparative market analysis to let you know how much your current home is worth. This allows you to know how much you can sell your current home for, before you go for a new one. If you are currently renting a home your expiry date gives you schedule for buying your new home.

And some tips to the BUYER ...
  1. Don't be emotional during the buying process. Make sure your decisions are being made based on the facts. Your realtor can provide you the necessary information and educate you in every step of the process.
  2. Don't be so friendly and close with the seller. don't discuss the property problems with the seller personally. Let your Realtor handle any potential issue.
  3. Make sure you have clear understanding about closing costs and adjustments.
If you have any questions, please call me at: (647) 808-3450

Buyer's Checklist:

Pre- approval. Determine how much you can afford by becoming pre-approved for a loan.

Determine When to Buy. Timing is very important. Your realtor can help you decide when to buy your home.

Determine What Kind of House You Need. Determine the number of rooms, number of bathrooms and square footage your family needs to live comfortably.

Location. Schools ,access to public transports, highwayand stores, are important factors to consider when deciding where to live.

Search for Homes. Work with your agent to determine the search criteria that best fits your needs.

Visit Homes. Your agent, Schedules appointments to visit the homes on the list.

Make an Offer.Your agent work with you to prepare an appropriate offer for the property you wish to buy.

If you have any questions, please call me at: (647) 808-3450

Contact Us Today!

Hallmark Realty Inc.
401 - 685 Sheppard Ave. East
Toronto, ON, M2K 1B6

Phone: +1 (647) 808 3450


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