HOMEFINDER SERVICE
•1. Step-by-step Process of Buying a Home
•a. Getting a Pre-approved Mortgage-tells you exactly how much you can afford and guarantees your rate for 90 to 120 days. Now, you can buy a home with the confidence of knowing you qualify. It also shows the Vendor that you are serious about buying the home and keeps you several steps ahead of others in the market.
As a Mortgage Broker associated with Mortgage Alliance, I can assist you with your pre-qualification and financing requirements (www.marisavmortgage.com).
•b. Preparation
Now that you know your price range, you can begin the search. First make a checklist of the type of home, location, inside and outside features, condition,etc. At this time, you should also decide on a lawyer so that he/she will be ready to check all legal documents.
•c. The Search, for house and agent
Using my services as your Buyer's Agent to work exclusively for you is very important at this stage. I will focus my search based on your pre-approved mortgage/ price range, house criteria and will look after your best interest. The Buyer Representation Agreement is a powerful contract which establishes the fiduciary duty of your agent.
•d. Making An Offer
If you have decided that this is the right home, we will discuss together the elements of your Offer. I will prepare a Comparative Market Analysis to help you make a decision on the "right price" and the necessary conditions that will be included, such as home inspection, and financing. I will personally accompany you during the home inspection. Once the conditions are met, we have a firm Offer.
•e. Closing the deal and taking possession
At this point, all documents will be forward to your lawyer who will coordinate with your Mortgage Broker/specialist and Seller's Lawyer on closing arrangements.
I will also closely monitor this. If you need assistance regarding Movers, I can also assist you.
My husband, Antonio Villarin is a real estate lawyer (www.amvlaw.ca) and once you have signed up with the Buyers' Program and have hired me as your exclusive Buyer's agent, you have the option of getting him as your lawyer if you don't have a lawyer working for you yet. He will also give you a step-by-step procedure of closing including title search, adjustment preparation, etc.
•2. Your Team Of Experts
Mortgage Adviser
Lawyer
Home Inspector
Insurance Broker
Buyers' Agent
•3. The Numbers are Important
Downpayment and RRSP
Mortgage-pre-approved amount
Closing Costs - I will provide you the exact amounts once you have found the house you want and even before we make an Offer
•4. Email Update System
Offer Accepted Date
Home Inspection Booked
Financing Approved
Waivers Signed
Copies Sent to Lawyer
5. Homefinder System
The criteria that you have established will be inputted into the system of TREB and all MLS listings that match your criteria are automatically emailed to you. You will receive fresh listings each day as compared to the www.realtor.ca which is 1-2 days late. You can view these online and choose the ones you want to visit. I will arrange and accompany you for all viewings. This will save you a lot of time and remove a great deal of stress from you.
6. One phone # for all information. You can reach me at 416- 890- 8098 for any inquiries. All information you provide is confidential as part of the fiduciary duty I establish with my clients as their Buyers' Agent.
7.GUARANTEED SERVICE
You can cancel anytime if you are not satisfied with my service, provided you inform me beforehand on the reasons and if not rectified within 2 days, we will put this in writing to formally cancel our Agreement. I am confident, however and based on my experience, you will be happy and satisfied working with me since I value all my clients and want them to consider me as their "Realtor for Life" . I also love working on referrals and repeat business.You can view "Testimonials" of some of my clients at the left side of my homepage.As an advantage, I am also a "Broker" which means I have pursued to take additional courses and exams to obtain this designation coupled with the number of years experience required. The "Broker" status is the ultimate designation in one's real estate career. Moreover, I am an Accredited Staging Professional (ASP) Realtor which means that if you decide to sell in the future I will offer you free advice on how to "transform your home into a house and make it into a product with the ultimate goal of selling it for top dollar at the shortest time possible."
PLEASE VISIT MY WEBSITE AT: http://www.marisavhomes.com/
http://www.marisavmortgage.com
MARISA VILLARIN,Broker, ASP,ASA
RIGHT AT HOME REALTY, INC., BROKERAGE
MORTGAGE ALLIANCE ELITE ASSOCIATES (license# 11325)
Direct Line:416-890-8098
Fax: 905-597-1988
Email: marisa.villarin@rogers.com
