Let Me Help You Every Step Of the Way.
When purchasing a home, you are faced with a multitude of decisions. Finding that perfect home is not an easy task, and obtaining a mortgage can be a complex and tiring process. Once you've made the commitment to reach that home-buying goal, the rewards you can achieve are unquestionable.
Assisting you every step of the way, I'll make the process of purchasing a home in Abbotsford, easier, more enjoyable, less time-consuming and less expensive than if you undertook this challenge on your own. I'll help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale in Abbotsford that match your specifications, and guide you through the myriad of details attending the actual purchase.
Having sold homes in the Fraser Valley since 1989, I have my finger on the pulse of the Abbotsford real estate market, and know neighbourhood values inside and out. I will help you determine which properties are fairly-priced and in good condition before you start your search.
Your First Step
Your first step in the home-buying process is to define the reasons why you want to purchase a new home. To stop paying rent? To start building equity? To have a place of your own? To raise a family? To move up to a bigger house?
Determine the style of home you prefer and theFraser Valley area in which you'd like to live. Be specific.
Develop a needs vs. wants list. Everyone has a picture of their ideal home. Begin the list with items you absolutely need like adequate room, garage space and number of bedrooms. How much space do you really need? Does your situation require a one-level home, or are stairs acceptable? Basic needs should be considered first. After these have been established, you can consider additional features if you can manage these benefits financially. With such a list in your hands, you're less likely to be caught up in the excitement of the pursuit. You'll have a good idea of what you want, the features within your price range, and whether or not you can afford those additional items.
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (Sandy HIll, Bateman, McMillan, the Highlands); neighbourhood (older and settled or brand new). Check out the neighbourhoods you're considering, and ask around. What amenities does the area have to offer? Are there schools, churches, parks, walking trails or grocery stores within reach? Consider visiting schools in the area if you have children. How will you be affected by a new commute to work? Are there infrastructure projects in development? All of these factors will influence the way you experience your new home, so ensure you're well-acquainted with the surrounding area before purchasing. To learn more about what to look for in a new neighbourhood, please visit my Special Reports section!
Your Next Step: Loan Pre-Approval
Once you've narrowed down your list, you're ready to take the next step in the purchasing process: getting pre-approved with a local mortgage broker. I have several that I would be happy to recommend. While getting pre-approved may sound daunting, it usually just involves 10 - 20 minutes on the phone, getting an idea of what you can afford. When you're pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan (subject to certain verifications)before you've found a home to purchase.
Pre-approval gives you substantial leverage: Sellers immediately see you as a serious buyer. Not only will you know the exact price range you can afford, but you'll also be able to negotiate a better deal and move more quickly when you see an Abbotsford house you like. Banks and financial institutions have developed many programs catering specifically to home buyers. Once you review your needs and objectives with a Mortgage Broker, you'll be one step closer to purchasing your home in Vancouver.
I'll be happy to refer you to a local mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for you, the client.
Let Me Find the Perfect Abbotsford Home for You
It is a very time consuming process to view every home available that meets your needs. I can do much of the work for you, by reviewing a range of properties and advising you of potential matches. I have my finger on the pulse of housing trends and prices, and have access to the best possible resources and communication systems available today to help you locate homes in your neighborhood of choice. A comprehensive knowledge of the available homes in your preferred Fraser Valley neighborhood is one of my strongest assets.
Once you've been pre-approved and know what price range you plan to stay within, I can help you determine which properties fit your needs and wants, using the (MLS) Multiple Listing Service system.
Start your search now - and view my current listings!
Exclusive Buyer's Agent
As you know, I get paid for fulfilling your need for professional advice and service. Furthermore, I'm sure you can appreciate that nobody wants to work for free. Therefore, just to make sure I am giving advice to MY client and not another Realtor's client, I like to confirm that you have decided that I will be the Agent for your purchase. To this end, I have an Exclusive Buyers Agency agreement that outlines the services that I provide and how I get paid. (I would be happy to email you a copy)
As an Abbotsford Realtor with years of experience and a proven track record, it is my job to guide you through this complicated process, from beginning to end. While helping you find your dream home and every small or large step in between - I will ensure your journey to life behind a new door is a smooth one! Contact me today, and together we will prepare a unique plan to suit your particular needs and goals.