Take the stress out of buying your home by surrounding yourself with a team of experienced home-buying experts. In addition to your TD Canada Trust Mobile Mortgage Specialist, you'll want to add the following professionals.
Your realtor
It is not mandatory to use the services of a realtor when buying or selling real estate, but it is generally advisable to do so. Having your own realtor ensures that you have someone on your team looking out for your best interests during negotiations. Keep these tips in mind when choosing your realtor --
- Ask friends and relatives for referrals
- Be sure that you feel comfortable with the individual you choose -- you may be spending a lot of time together
- Look for someone with experience locating homes in your desired neighbourhood and price range
- Make sure your realtor has a good understanding of your needs before you start house hunting
Your lawyer or notary
When the time comes to make an offer on a home, you'll want to have your lawyer or notary review it. They will help to ensure that the offer includes all of the necessary information including, among other details, the following --
- The proposed purchase price
- A list of items (called chattels and fixtures) included in the sale
- Any conditions you may need to protect yourself, such as subject-to-financing and/or home inspection clauses
- The closing date for the sale of the property
Your home inspector
A clean bill of health from a qualified home inspector can provide a great deal of comfort when buying a resale home. A home inspection provides --
- A detailed assessment of a home's current mechanical and structural strengths and weaknesses
- A list of potential repairs that may need to be made
- A reasonable prediction about when repairs should be made
A good home inspection report can help you purchase a better-quality home and lead to greater enjoyment and satisfaction.
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