Buyers Guide 2019
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Buyer’s Guide
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Comprehensive Real Estate
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BUYER’S GUIDE
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JEN WARREN | BROKER
REMAX ESCARPMENT REALTY INC., BROKERAGE
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502 BRANT STREET, BURLINGTON, ON
[email protected]
905-407-3500
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Discover more about jen
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My passion for Real Estate comes from the love I have for our community. When I started my journey in Real Estate, my goal was simple… I wanted to ensure that the members of my community were treated honestly and provided the same great service during one of the most important investments of their lives.
SIZE DOESN’T MATTER
Whether you are renting a co-op or buying a mansion, I can help you price property, prepare your home for sale, find a property, negotiate deals, qualify buyers, acquire financing, find contractors, and more.
I LOVE THIS CITY!
As a 4th generation resident, I have a deep love for this city & it’s neighbourhoods. I approach both life & work with sincerity, honesty,
& compassion. To me, there is nothing more rewarding than seeing a client fall in love with his or her new home.
EXPERIENCE
For more than twenty years, I have been helping people rent, buy, and sell homes in this community. With a background in economics, and appraisal, I have an excellent understanding of the real estate market and I know what it takes to champion a client’s needs.
DEDICATED PROFESSIONALS
I am also backed by a team of dedicated professionals with specialized skills and knowledge to provide the most comprehensive service around.
BUYING A HOME?
Your satisfaction is my top priority! I will take the time to listen to your needs and desires and help you find a home and neighbourhood you love.
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Housing Expectations for 2020
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CREA publishes some great data every year in regards to housing expectations.
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Housing Outlook
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Existing Home Sales:
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to 530K
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Median Home Prices:
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up 6.2%
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Mortgage Rates:
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to 4.2%
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GDP Growth:
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to 1.7%
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Potential Speed Bumps
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Decreasing Inventory Supply
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Changes in lending restrictions
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Rising mortgage
rates
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Changes in consumer confidence
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* MANY REASONS FOR OPTIMISM
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All indications are that we have a housing shortage. If you look at population growth and job growth, it is clear that we are not producing enough affordable houses.
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7 Things to consider before buying a home
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Buying a home is a big decision to make, and can have an impact on a variety of areas of your life. Here’s our top 7 of our best suggestions to consider before committing to a purchase.
[/et_pb_text][et_pb_blurb title=”Before you buy, strengthen your credits score” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/beforeyoubuy-7things-img1.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]
Remember, higher credit scores will have lower down and monthly payments. This can represent tens of thousands of dollars in savings over the course of a mortgage.
[/et_pb_blurb][et_pb_blurb title=”Determine how much home you can afford, first” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/home-affordability-7things-img2.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” custom_padding=”|||” animation=”off”]
Buy housing that runs about two-and-one-half times your annual salary. Prior to looking at homes, speak with a reputable loan originator who can pre-qualify you.
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Think about your lifestyle, and how it is now. How it might be in 5-10 years? Will the location or property you are interested in still be adequate in that timeframe?
[/et_pb_blurb][et_pb_blurb title=”Don’t buy if you can’t stay put” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/remain-in-home-7things-img4.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]
If you can’t commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet.
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Make sure you understand all facets of the offer to purchase, and any counter offers you may receive from a seller. Speak with your buyers agent about any questions you have.
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A home inspector will provide you a detailed report of the property condition and outline repair recommendations. Get this ordered early so you have time to carefully review the condition of the home prior to removing contingencies.
[/et_pb_blurb][et_pb_blurb title=”Make sure you love your buyers agent” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/love-your-agent-7things-img7.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” animation=”off”]
A great buyers agent can take the stress out of a home purchase. The goal is to ensure you find the perfect property, get the best possible deal, and enjoy a worry free experience for the entirety of your purchase transaction.
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Purchasing a property VS Renting
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Which fits your style? Here’s a breakdown of some of the differences that effect whether it’s the right time for you to buy a home. Take a look at some of the categories, and ask yourself which side you fall under.
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Reasons to rent:
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I will be in my home for less than 3-5 years.
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I want to stay mobile or flexible.
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I don’t have time for home maintenance.
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My credit score is below 720.
[/et_pb_blurb][et_pb_blurb title=”Available Capital” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/finances.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” background_color=”#ffffff” border_color_all=”#dbdbdb” border_style_all=”none” custom_padding=”15px|8%|15px|5%” animation=”off”]
I don’t have enough money for a downpayment and closing fees.
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Reasons to buy:
[/et_pb_text][et_pb_blurb title=”Length” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/key-img5.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” background_color=”#ffffff” border_color_all=”#dbdbdb” border_style_all=”none” custom_padding=”15px|8%|15px|5%” animation=”off”]
I will be in my home for more than 3-5 years.
[/et_pb_blurb][et_pb_blurb title=”Lifestyle” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/curb-appeal2.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” background_color=”#ffffff” border_color_all=”#dbdbdb” border_style_all=”none” custom_padding=”15px|8%|15px|5%” animation=”off”]
I want to start building home equity.
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I have time and energy for home maintenance.
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I have little/no debt, and good credit.
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I do have money saved for a home purchase and repairs.
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8 Steps to buying a home
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Purchasing a home can be quite easy. If this is your first time you will find that there are only a handful of key decisions to make in order to hold the keys to your own home.
[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ module_class=”gd18-timeline gd18_sections” _builder_version=”3.0.105″ background_color=”#e8e8e8″ background_image=”https://assets.agentfire3.com/uploads/sites/21/2018/08/gd18_section_bk.png” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”0px|0px|0px|0px”][et_pb_row use_custom_width=”on” custom_width_px=”1023px” custom_padding=”0px|5%|0px|5%” background_color_1=”#f7f7f7″ padding_top_1=”20px” padding_right_1=”20px” padding_bottom_1=”20px” padding_left_1=”20px” module_class_1=”gd18-tl-content gd18_columns” module_class_2=”gd18-tl-gap–wrap gd18-gap-right gd18_columns” module_class=”gd18_blurb-images gd18_rows” _builder_version=”3.0.105″ background_color=”#ffffff”][et_pb_column type=”1_2″ _builder_version=”3.0.47″ padding_bottom=”20px” padding_left=”20px” padding_right=”20px” padding_top=”20px” background_color=”#f7f7f7″ parallax=”off” parallax_method=”on” module_class=”gd18-tl-content gd18_columns”][et_pb_text _builder_version=”3.15″ text_font=”||||||||” header_font=”||||||||” header_2_font=”||||||||” custom_margin=”||0px|” custom_padding=”||0px|”]
01
[/et_pb_text][et_pb_divider color=”#afafaf” height=”5px” _builder_version=”3.15″ custom_margin=”0px|||”][/et_pb_divider][et_pb_blurb title=”Pre-approval” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/pre-approval-img14.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_font_size=”14px” body_line_height=”2.1em” custom_padding=”||15px|” animation=”off”]Get pre-approved by a mortgage lender.
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02
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Select a professional and trusted buyer’s agent.
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03
[/et_pb_text][et_pb_divider color=”#afafaf” height=”5px” _builder_version=”3.2″ custom_margin=”0px|||”][/et_pb_divider][et_pb_blurb title=”Loan Terms” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/lender-advert-img15.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_font_size=”14px” body_line_height=”2.1em” custom_padding=”||15px|” animation=”off”]
Work with your lender to decide the right loan type.
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04
[/et_pb_text][et_pb_divider color=”#afafaf” height=”5px” _builder_version=”3.2″ custom_margin=”0px|||”][/et_pb_divider][et_pb_blurb title=”Go shopping” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/propertyshopping-img16.png” icon_placement=”left” image_max_width=”64px” content_max_width=”100%” module_class=”gd18-compact gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_font_size=”14px” body_line_height=”2.1em” custom_padding=”||15px|” animation=”off”]
Shop for the perfect properties to write an offer on.
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05
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Get an accepted offer on a property.
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06
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Complete all inspections, disclosures & terms.
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07
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Work with your lender to complete the loan funding process.
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08
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Your lawyer will close the property and have title transferred. ENJOY!
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What you don’t know about credit
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You‘ll need a credit report to make sure your score and reporting are accurate. Work directly with a lender on your credit score. They can help provide recommendations, work with scoring agencies, and improve your score when you obtain your loan.
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General Guidelines when it comes to a loan
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Higher credit scores have lower borrowing costs.
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Focus on your credit score long before your loan.
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Credit score differences add up to thousands of dollars.
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Pay close attention to your debt to income ratio.
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How your credit score effects you
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[/et_pb_text][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_circle_counter title=”BUYER BEWARE” number=”620″ percent_sign=”off” bar_bg_color=”#606060″ module_class=”guide-percent-circles” _builder_version=”3.15″ title_level=”h6″ title_font=”||||||||” title_text_align=”center” title_line_height=”1.1em” number_font=”||||||||” number_font_size=”24px” max_width=”60%” max_width_tablet=”115px” max_width_phone=”135px” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||0px|” custom_padding=”|||”][/et_pb_circle_counter][et_pb_text _builder_version=”3.0.105″ text_font=”||||||||” text_font_size=”14px” text_line_height=”2.1em” header_font=”||||||||” header_text_align=”center” text_orientation=”center” custom_margin=”||3vh|” custom_padding=”|||”]Subprime Mortgages are available, but carry high fees.
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Mimium score for a loan with good terms with low fees.
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Best loan programs and lowest borrowing costs on the market.
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Other useful information
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Points and Rate on a mortgage:
Borrowing money costs money. Loans require interest, which can be paid over time, or up front as additional points. Paying the interest ahead of time results in a lower overall monthly payment. This requires up front cash and is not a payment towards principal. Paying additional points is only recommended for purchases where ownership is long term.
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You don’t need a 20% down payment:
Traditional loans requiring 20% down are no longer your only options. Plenty of public and private lenders off er a variety of loan programs that can provide you a great loan with as little as 5% down. First-time homebuyers have additional government programs available.
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Why you need a buyers agent
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Purchasing a home actually involves a lot of legal contractual knowledge, organization and negotiating skill. Don’t jump into any deal without consulting an expert buyers agent who can get you the best possible results.
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A right agent can help with your purchase as well as recommend other trusted professionals.
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A local Realtor® will help you navigate the requirements of a written offer, as well as the complexities of closing of escrow.
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Home upgrades, repairs, and resale questions can be investigated anytime.
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Your agent understands factors that impact you, and can provide advice on when, and how to purchase.
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You can still continue to communicate with your agent long after the close of escrow.
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An expert in your desired neighborhoods will provide important details you may not know.
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What not to do when buying a home
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It is incredibly easy to mismanage funds or your alter credit and doing so during the loan and escrow period can greatly impact your both your borrowing costs and can even keep you from funding the loan in some cases.
[/et_pb_text][et_pb_blurb title=”Don’t apply for a new Credit Card” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/card-apply-img30.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-oversized gd18-whitebox_text gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_line_height=”2.1em” animation=”off”]
Don‘t apply for any unsecured debt if possible during the loan and escrow period.
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Nothing is set in stone until close of escrow. Do not make plans that cannot be cancelled if the deal fails to close.
[/et_pb_blurb][et_pb_blurb title=”Don’t buy a new car” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/carpurchase-img32.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-oversized gd18-whitebox_text gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_line_height=”2.1em” animation=”off”]
This will alter your debt to income ratio. Changes to your credit score of even a few points can mean thousands in fees.
[/et_pb_blurb][et_pb_blurb title=”Avoid changing jobs” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/changing-jobs-img33.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-oversized gd18-whitebox_text gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_line_height=”2.1em” animation=”off”]
Lenders are looking to see that you can show proof of job security. That new opportunity may need to wait.
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A significant portion of your score is how much available credit you have. Always leave open credit available to you.
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Make sure you stay on top of your credit card, car and any other monthly payments.
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You will need to provide your lender documentation of your finances. This will include things like savings accounts, or investments.
[/et_pb_blurb][et_pb_blurb title=”Don’t spend your savings” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/spending-savings-img38.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-oversized gd18-whitebox_text gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_line_height=”2.1em” animation=”off”]
Your lender will want to see that you have something set aside for a rainy day. Do not spend capital you have set aside for loan approval prior to loan funding.
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The home inspection
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For a new resale home purchases, aprofessional home inspection is recommended. The inspection will include but ay not be limited to the items outlined below.
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Appliances
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Plumbing
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Electrical
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Climate
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Ventilation
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Roof and Attic
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Foundation
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Building Codes
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Don‘t expect the report to catch every minor defect. The inspector is looking for serious problems that require repair, or will lead to serious problems if a repair is not completed in a reasonable time-frame.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”1023px” custom_padding=”0px|5%|9vh|5%” custom_margin=”|||” module_class_1=”gd18_counter gd18_columns” module_class=”gd18_rows” _builder_version=”3.0.105″ background_color=”#ffffff”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_counter gd18_columns”][et_pb_blurb title=”Pass or fail?” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/home-inspections.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]
A home inspection is just a report of the repairs recommended for the property. It is not a pass or fail test. However, some lenders do require certain repairs be completed in order to fund the loan.
[/et_pb_blurb][et_pb_blurb title=”Handling the repairs found in a home inspection” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/paper-trail-img37.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” custom_padding=”|||” animation=”off”]
A completed report can have an effect on the purchase price, your interest in the property, and which repairs need to be addressed prior to close of escrow. The seller may be willing to negotiate terms, and your lender may or may not require some repairs be completed in order to fund your loan.
[/et_pb_blurb][et_pb_blurb title=”Choosing the right inspector” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/opening-escrow-img17.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]
Home inspections can vary by company, as well as by inspectors individually. Always use a trusted recommendation for a professional that will give you the information you need.
[/et_pb_blurb][et_pb_blurb title=”Be there!” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/advocate-img24-60.png” icon_placement=”left” image_max_width=”60px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]
The day of the inspection, be present with your buyers agent and the inspector. This will help you understand the items that appear on the report, and will give you an opportunity to see the home through the eyes of an objective third party expert.
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Contract to close
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Once your offer is accepted, the buyers agent will help coordinate with everyone needed to make sure purchase requirements and all quoted time frames are met.
[/et_pb_text][et_pb_blurb title=”deposit funds” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/earnest-money-img47.png” icon_placement=”left” image_max_width=”100px” content_max_width=”100%” module_class=”gd18-oversized gd18-boxed-margins” _builder_version=”3.15″ header_font=”||||||||” body_font=”||||||||” body_font_size=”14px” body_line_height=”2.1em” background_color=”#ffffff” custom_padding=”40px|5%|25px|5%” animation=”off”]
This is a deposit that shows you are serious about the purchase. It is held in the escrow account, and is non-refundable after contingencies are waived.
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The inspection period will be specified in your accepted offer. During this time all property inspections, disclosures from the seller, and repair negotiations must take place.
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Approval for your loan will require an appraisal. Your lender will send a neutral third party to prepare a determination of it’s current market value.
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Homeowners insurance is often required to obtain your mortgage. you may already do business with an insurance broker, or you may elect to use one recommended to you.
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Title Insurance protects you the lender from the possibility that the title is not free and clear. It is typically a requirement for the loan.
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Just before closing, a final walk-through of the home will be conducted by you and your realtor. This is a check to ensure the condition of the property has not changed.
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You will want to double check the settlement statement carefully for the various items you’ll need to pay for at closing. Have funds ready for the amount required.
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Closing day is usually straightforward. You will typically need to bring your balance owing, your drivers license, and meet at the lawyers office. Your homeownership awaits!
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After the closing
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Despite closing escrow marking the end of the property purchase process, it also marks the beginning of an ongoing relationship. Keeping in touch with the agent allows you to continue to use this value able resource of information whenever you need.
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An ongoing relationship with my clients
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A fantastic agent focuses on a continuing relationship that offers you convenience, opportunity and value. You can always rely on your agent after the closing to help you answer questions about home ownership, provide resources, offer advice, and provide tools to ensure your home ownership experience is a positive one.
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Your referrals are key!
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Maintaining an ongoing client relationship is just part of an overall commitment to provide a level of service well above and beyond expectations. Your agent relies on word of mouth referrals for additional business, and good referrals allow the agent to devote more time to helping clients and less time to finding them. If your experience is amazing, be sure to tell your friends!
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Ask a question
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If you have a question, I would love to help answer it. I love working with buyers and helping them purchase their dream homes. If you’re looking to conduct your home search soon and find a new residence, please get in touch via the form below.
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