Cecil J. Avery, Joyce Travis & Chris Travis
Heritage River Realty Ltd.

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Cecil Avery 403-270-3050 | cecavery@shaw.ca

Joyce Travis 403-680-5020 | joycet@telus.net

Buying

Let us help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.


While at your side each step of the way, we will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. We will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.


We are always familiar with the current homes on the market, and we know neighborhood values well, so we can help you determine which properties are fairly-priced and in good condition before you start your search.

Your First Step

Your first step to buying a home is to first ask yourself why you want to buy a home: to stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."


Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.


Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.

Your Next Step: Loan Pre-Qualification

Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in a matter of minutes.


Call us and we will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.

We Will Find The Right Homes For You

Once you've been pre-qualified and know what price range you want to stay in, we can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them.


we have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search my listings here at our website.

We Will Help You Every Step Of The Way

We will help you complete your financing and inspections, and close on the transaction. Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.


OWNING A HOME:
PROS vs. CONS


 PROS

  • You have greater privacy and freedom, generally more space than in a rental property.  

  •  Real estate in most parts of Canada has been an excellent long-term investment and any capital gains you make on your principal residence are tax-free when you sell.

  • When the mortgage is paid off, you will own the house and the land. 

  • You'll be free to improve the house and garden to suit your tase and needs as they change over time. 

  • If family grows, you may be able to add rooms or make other changes neccessary to accomodate them, you may want to upgrade to a larger home using the equity you have built-up or you may keep this home as a revenue property and move to a second home. 

  • As you continue to own your home, you build up "equity" which is your ownership in your home. 

  • There is a "pride of ownership" and sense of having roots when you own your own home.


    CONS 

  • Your monthly payments will be higher than your present rental payments, especially if you only have a small down payment. 

  • You'll be making a long-term financial commitment, months or years. 

  • You'll be responsible for property tax and maintenance costs, if something breaks, it will be up to you to have it fixed. 

  • Maintaining and improving the property could take considerable time and effort. 

Data supplied by CREB®’s MLS® System. CREB® is the owner of the copyright in its MLS® System. The Listing data is deemed reliable but is not guaranteed accurate by CREB®.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.