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WORK WITH ME

For Buyers

more than just

Opening Doors.

Searching for a new home should be a fun and exciting experience, but can often be overwhelming for many. Using a real estate professional such as myself can provide not only practical advice, but also emotional support throughout your home buying journey. As your advisor, I will guide you through the complexities of the home buying journey to help you make a confident, informed decision.

Here’s what they had to say…

“She is incredible at what she does and has so much passion. If you want to find your dream home with zero complications, she’s your girl.
Her extensive research and knowledge in the field is what makes her stand out from the rest.”

– Diana Kaczkowski (Buyer)

Real Estate Agent, Jacqueline Clement, working on a laptop

how it works

THE buying PROCESS

01
Getting Pre-Approved

Before you do anything else, if you think you are ready to buy a new home the first (and most important) step is to get pre-approved by a lender. Need some referrals? Send me a message on the "Contact" page and I'd be happy to send you some brokers my clients have enjoyed working with in the past. 

02
Choose your Realtor

Choosing the right Realtor® can be a daunting and intimidating venture. But remember, YOU are in the driver's seat.  Best practice is to gather referrals from your friends, family and online searches based on the area you are looking to buy, in and interview your top 3  (either in-person or by video call). Go with who you feel has the most knowledge AND you feel the most comfortable with.

03
The Consult

Otherwise known as a "discovery session" this is where you breakdown your needs and wants and ask any questions you may still have about the process. 

04
The Fun Stuff

Now that we all have a pretty good idea of what and where you are looking, it's time to hit the pavement and see some homes.  Remember to leave your emotions at the door and keep an open mind.

05
Offers

You've finally found "the one" and now it's time to submit your offer to purchase.  Remember to ALWAYS READ YOUR OFFER THOROUGHLY and ask any questions before you sign. 

06
Accepted Offers & Beyond

Once you enter into an accepted purchase agreement, the work does not stop there.  I will guide you through deposit delivery, fulfilling conditions, choosing a real estate lawyer, and, completing additional walkthroughs.  It is my job to ensure the house is ready for you to move in and to guide you through what to do if it's not.

Complete NEEDS & WANTS Checklist

Having a hard time narrowing down all the beautiful homes you see online?  I have spent my career developing this detailed checklist to help buyers better understand their expectations and avoid wasting hours of their time previewing homes that just don’t work. Download my free, comprehensive checklist to help you and your Realtor® get a clear understanding of what you really want in your new home.

I’M NOT A salesperson, I’m your advisor.

What makes working with me different?

Set Up a No Obligation
property Search

Don’t miss out on your dream home! Sign-up today to get notified before the competition? 

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Simply enter your criteria, hit SUBMIT and let me take care of the rest.


Learn More About Buying

Want to learn more about buying real estate in Dufferin County? Check out these articles and videos.

Should You Buy a Property that May Need Expensive Repairs or Upgrades?

Imagine you’re shopping for a new home and come across a listing that seems ideal. It’s in a...
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Should you Consider a Home Listed Above Market Value

Should You Consider a Home Listed Above its Market Value?

Many seemingly small things can be a big turn-off to prospective buyers. So, it’s wise to identify and fix these 5 issues when you list.
Continue reading
Navigating Real Estate Markets: Buyer's, Seller's, and Balanced Markets Explained

Navigating Real Estate Markets: Buyer’s, Seller’s & Balanced Markets Explained

In real estate, the terms “buyer’s market,” “seller’s market,” and “balanced market” are used to describe the conditions of supply and demand in the housing market. These conditions can greatly influence the dynamics of buying and selling homes so it’s important to understand what market you are in. In this post, I will explain how you can determine what type of market you are in and how that may affect you.
Continue reading

Have Questions About Buying?

Check out our FAQs for buying real estate in Happyville, USA.

Although historically in Ontario it is unlikely for a home to depreciate, it has happened twice in recent history during periods of recession.  When considering buying a home, it is important to consider your short and long-term goals as they could affect where you should buy and when.

Whether you buy pre-construction new build or resale, there is a lot to consider about what is the better value.  This will depend greatly on current market conditions and pricing structure of the new development.  New homes come with a slew of additional expenses above and beyond the obvious HST, land transfer tax, and other closing costs, such as paving the driveway, landscaping, fencing, and more.  With resale homes, on the other hand,  you have the choice of choosing one with a lower price tag to leave room for renovations/repairs, or choosing something that is  move-in ready. Recently, we have seen new developments that were priced so high buyers lost equity before they even took possession.

Well that depends on whether you are refering to a Real Estate Broker or Mortgage Broker.

Real Estate Brokers are real estate agents who have completed additional training and licensing requirements. They can work independently and hire other real estate agents to work for them.

mortgage broker acts as an intermediary between someone who wants to buy real estate and those offering loans to do so. Mortgage brokers help would-be borrowers find a lender with the best terms and rates to meet their financial needs. Think Costco or Winners vs. shopping at brand name stores. Mortgage brokers give you personalized service with more options and in many cases, better rates and contingencies.

Short answer, is no, but it depends on what purchase price you are looking at and whether you want an insured mortgage or not.  When putting less than 20% down you will require what is referred to as a “high-ratio mortgage” and mortgage insurance is required, but credit and purchase price do play a major factor. Down Payments are based mainly on purchase price for owner occupied purchases and are structured on a compacting tiered system:

$500,000 or less = 5% Down
$500,000 – $1M = 10% Down
$1M+ = 20% Down


Example:
On a purchase price of $800,000

5% of the first $500,000 = $25,000
+ 10% of the remaining $300,000 = $30,000

Total Minimum Downpayment = $55,000

In most cases, in Ontario, the seller is the one who agrees in their listing contract to pay the Buyer Agent commission, but not always.  It is important to discuss with your Realtor® any circumstances where you (as the buyer) could be required to pay. They should also be discussing any properties you request to see where you could be required to cover part or all of the buying agents commission, as this often leads many buyers to simply cross that property off their list.  These are including, but not limited to, For Sale By Owners (FSBO), off-market properties, or pre-construction.

What My Buyer Clients Have to Say

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