Home Buyer Consultation

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all the important points ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Who is a mortgage broker? ,[object Object],[object Object],[object Object],[object Object]

What will a mortgage broker do for you? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Free Unbiased Professional Advice

4.50 5.25 Variable Rate 5.95 8.30 10 Year Closed 5.80 7.65 7 Year Closed 4.99 7.20 5 Year Closed 4.85 7.04 4 Year Closed 4.99 7.04 3 Year Closed 4.99 6.55 2 Year Closed 4.35 5.30 1 Year Closed 5.90 6.35 6 Month LENDER’S RATE POSTED RATE TERMS

What are the mortgage options? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What you need to qualify for a mortgage? ,[object Object],[object Object],[object Object]

Down payment options ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Canada-Ontario Affordable Housing Program (COAHP) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Land Transfer Tax Refunds for First-Time Homebuyers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],$975 $2,000 $2,975 $300,000 $0 $1,725 $1,725 $200,000 $0 $ 725 $725 $100,000 Net Tax Payable Tax Refund Tax Payable Cost of Home

What will the Home inspector do for you? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What does it cost? house sold buyer and seller agents share the commission buyer does not have an agent, seller agents gets the entire commission commission paid by seller Buyer and seller agents share the commision paid by the seller FREE

PROVIDE EXPOSURE TO LISTED AND UNLISTED PROPERTIES PROVIDE A COMPARABLE MARKET ANALYSIS GIVE ADVICE AND COUNSEL WRITE THE OFFER WITH YOUR BEST INTERESTS IN MIND KEEP YOUR BARGAINING AND FINANCIAL POSITIONS CONFIDENTIAL PROMOTE AND PROTECT YOUR BEST INTERESTS AT ALL TIMES BRING ANY PROBLEMS TO YOUR ATTENTION NEGOTIATE THE BEST PRICE AND TERMS FOR YOU Buyer agent duties

B uyer r epresentation a greement RELATIONSHIP AGREEMENT ALLOWS US TO REPRESENT YOU NEGOTIATE ON YOUR BEHALF FULLY DISCLOSE INFORMATION

THREE TYPES OF HOME PURCHASE NEW HOME FOR SALE BY OWNER RESALE

New Home? do you need a buyer’s agent? buyers This sales rep seems really nice and honest, why do we need a Realtor?? builder sales rep Homer Builder What?? No Realtor?? Woohooo ! ! our secret is safe again!

For sale by owner? do you need a buyer’s agent? buyers They will give us a better price since they don’t have to pay a commission, why do we need a Realtor?? sellers We’ll get all the money in the world!

Resale Listing? do you need a buyer’s agent? buyers sellers seller’s agent These guys don’t have a Realtor, this should be easy! We love this house, now what ???

Time to Make an Offer ,[object Object],[object Object],[object Object]

All About Closing… ,[object Object],[object Object],[object Object],[object Object]

Closing Costs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],Closing Costs… continued

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Closing Costs… continued

Determine Your Wants and Needs Buyer questionnaire 10 minutes

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1. Home Buyer consultation (2 hours) Michèle Rowe Sales Representative

5. 4.50 5.25 Variable Rate 5.95 8.30 10 Year Closed 5.80 7.65 7 Year Closed 4.99 7.20 5 Year Closed 4.85 7.04 4 Year Closed 4.99 7.04 3 Year Closed 4.99 6.55 2 Year Closed 4.35 5.30 1 Year Closed 5.90 6.35 6 Month LENDER’S RATE POSTED RATE TERMS

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12. What Will Your Buyer Agent Do For You ?

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25. Determine Your Wants and Needs Buyer questionnaire 10 minutes