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Tips for First-Time Home Buyers
Oct 09, 2013
1) Know how much you can afford.The true cost of a home beyond the purchase price includes land transfer tax in some provinces and utility connections. Calculate monthly expenses - mortgage payments, insurance,utilities, maintenance and property taxes.
2) Apply for a pre- approved mortgage so you can focus on homes in your price range. You will also have the power to make an immediate offer when you find the home you would like and it gives you an advantage if several buyers are interested in the same property.
3) Make sure you have the right team of experts. It should include a real estate agent who knows the area you are interested in. A lender or mortgage broker who can offer the right mortgage structure for you.A lawyer who will ensure that the property is "free and clear".
4) Although you may like the overall look of the house and the updates like brand new appliances and hardwood floors an expert home inspector will check the structural integrity of the furnace, air conditioner, plumbing and roof.