HOME BUYING : STEP BY STEP                                                                                                            A 10  POINTS  ACTION  PLAN Step 1 Determining Your Housing Requirements Make the Decision to Buy,  Consider the reasons you want a new house and write them down. Go through Home Buyers Check list and Reality you should know page in this website,  If Home buying is a right Investment and choice for you. The house you that you can afford will meet your needs and space requirements.  A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.  CMHC provides helpful information and practical worksheets to assist you in determining your precise requirements in a home and for choosing your desired location. Step 2 Seek Professional Guidance                                                                                                          Look for the Realtor who is honest, knowledgeable, experienced, competent, confident and skilled negotiator. You need the services of a Competent Real Estate Professional to guide you through such complex transaction.  The R E A L T O R ? will be trained, licensed and have a good knowledge of local real estate conditions and its markets trend etc.  At this point please call me to discuss all the concerns  you may have and also to set an action plan.  Step 3 Knowing Market:                                    Home Hunting                                                                                           Begin the Home Hunting: Knowing Market My knowledge of the local market is an essential factor in the house search. Everything that happens in the housing market can have an impact on your home purchase. We help you track trends in mortgage rates, local housing prices and other key indicators to assist you in determining the best time to buy.  I then start to search all my resources for houses on the market that fit your most criteria. Then we together will have a showing of those houses  at a times that convenient to you.  Step 4 Calculate  Costs: Negotiate Deal Can you afford the type of home you have chosen?  You will have a practical work sheets and tools to help you calculate how much you can afford to spend. It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on. Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.    Step 5 Preparing an Offer Before making your final offer, find out what to include in your Offer to Purchase and what to expect once an offer has been made.   Step 6 Choosing Your Team of Professional There are a lot of people involved when you buy a home. We shall provide work sheets to help you choose the right people to meet your home buying needs. We shall assist you in finding from a Mortgage broker, Home Inspectors, Lawyer and finally a Moving Company/Mover..  Step 7 CMHC Mortgage Loan Insurance Don't let a down payment come between you and your home. Find out how you could qualify to buy your home with as little as 0-5% down with help from CMHC. The Mortgage broker can guide through the step. You will receive a "Good Faith Estimate" of closing costs at the time the loan application  Step 8 Inspection of house Before making your final committed contract, find out the condition on the house by going through the inspection process and getting it inspected by a qualified Home Inspector. Step 9 Closing the Deal    There are many small steps when it's time to close the deal. I will inform you all the facts and findings on the property to get you an informed decision and help you make sure nothing falls through the cracks. Also, tips to make moving day a smooth experience. At this point you will have an option to take a final Inspection of your Purchase.                                                 Step 10 Move In to Your New home                                                                                      Congratulations! On Closing day the lawyers will close the transaction and hand over the Keys to you. It is time to move into your new home  Enjoy this exciting time. Bellow is checklist to help you remember the numerous details that will make your moving day more  pleasant.     MOVING  PREPARATION                                                                                                              LEAVING ONE HOME FOR ANOTHER Making it Easier                                                                                         Moving can be as challenging as it is exciting. Moving is as hard for kids as well as it is for adults. They, too, are leaving behind familiar places and important friends. They, too, are starting over: seeking new friends and adjusting to a new home, neighborhood, and school. But because they're still learning how to socialize and how to effectively get their needs met, children need caring adults to listen and help them adjust to their new home, now more than ever.   If you're a parent contemplating a move, consider a move in three stages - before, during, and after- and thinking about your children's needs during each stage, you can make a big difference in how your kids feel about the move and how they adjust afterwords. BEFORE THE MOVE: Preparing                                                                                        Involve your children about the move, the more time they have to think about and prepare for the move, the easier it will be for them and you. Give your children a chance to express their feelings, and try to be honest about your own feelings. Most children will feel some anger, sadness, or worry about the move. These responses are natural, and kids who have a chance to express them will work through their doubts more easily. Gently tell your children about any sadness you may feel about leaving or uncertainty about a new home, job, or city. This will reassure them that they aren't alone in having worries or concerns. Help older children prepare a list of phone numbers and addresses of close friends, relatives, and other important people in their lives. Knowing they can stay in touch with these people is an important part of a successful move.   If your kids are old enough, let them participate in decision-making. Have the kids keep a notebook of potential new homes with the positives and the negatives listed. If you are able to, before you move take your children to your new home and explore the new neighborhood and town or city together. If this isn't possible, take pictures of your new home, the schools your kids will attend, a nearby park, and anything else that would be interesting to them. Call the principal of your children's schools, and try to set up a meeting with their teachers or, if they're in junior high or high school, guidance counselor. The new school may even be able to give you names of students in your child's class who live near your new home. If so, you may want to drop by to meet them and their families before you move in. On The Day Of Moving                                                                                                        Consider having a sitter or friend watch your infants or younger children. Let the younger kids label their own boxes, so they'll be immediately recognizable coming off the moving van, Prepare a "ready box" to be first off the truck; stock it with all essentials, such as snacks, kitchen items, bathroom toiletries, etc. Put a set of bedding, towels, and personal items, Child's dresser drawer to speed bed making and settling-in on the first night in your new home, Plan a simple celebration for your first night in your new home. Order in pizza or have an inaugural barbecue to "break" your new home in. Remembering What's Important                                                                                Throughout the move, try to stick to your routines. Stay as upbeat and calm as you can; a good plan make this possible. Your own mood will impact other family members, especially babies, who are particularly sensitive to their mother's feelings. With older children, it's important to be honest about some of the uncertainties you have, but also to be generally optimistic about the move and the positive ways it will affect the family. Involve your kids in the packing. Older kids can put their own belongings in boxes, and kids of all ages will enjoy decorating the boxes containing their things. Doing so will also make finding your children's things easier once you're at the new house!   Help your children say good-bye to the important people in their lives. For their Friends, ask pizza or make-your-own sundae party is a fun way to celebrate the Friendship. An album or poster with photos of good times together will add to the Celebration. Expect the unexpected: few moves go smoothly, anticipate trouble (predict it!) and have a positive, "can do" attitude. AFTER THE MOVE: Getting Settled                                                                                  Don't spend too much time unpacking - at least not right away! Sure, the essentials are important to unload and you want the house to feel settled. But wait on the less important stuff. In the first few days, take time to enjoy your new home with your family. Take walks. Check out local restaurants and take-out spots. Introduce yourselves to your new neighbors. Spend time at the park. Be on the lookout for neighborhood kids, and helps introduce your children to them. Let your children have some input in planning on the new house, especially in choosing things to buy for their rooms. Even if you don't follow through on their ideas, it's important to listen to what they think. Be tactful if you choose another option, and let some decisions be entirely up to them-for example, the placement of their bed or the color of the rug or paint in their bedroom. For children and adults, it takes time to feel at home. With your understanding and patience, your children will be reassured that, after a while, things will get easier; everything won't feel so new; and that home is, after all, wherever the family is. FOR DIFFERENT GROUP OF CHILDREN       PSYCHOLOGY OF MOVING                                                                                     One of the most important issues to anyone with kids is their reaction to the news that they're moving and their adjustment to the new home. Being informed is very important to children. One of the worst mistakes we can make as adults is to assume that kids don't care or won't understand the details. Keeping them "in the loop," consulting them about choices whenever possible, and including them in the family game plan will work wonders toward their adjustment. Preschool children                                                                                      Kids under the age of six may worry about being left behind, or being separated from their parents. If you go on an orientation or house-hunting trip beforehand without the children, it's important to reassure kids this age that you will be back; bring something unique back to them from the new town. It's also very important for them to express their feelings and fears about the move. Give them a job to do ? have them be responsible for boxing up their favorite toys, and "labeling" their boxes with crayons and stickers.  Ages 6 to 12 Elementary age kids are usually most concerned with how the everyday routines of their lives are going to change. Showing them pictures, videos and magazines of their new home will help a lot, especially if you can find new places in advance for the things they like to do. If your child takes dance lessons, find and share information about the new dance studio she can go to. If he takes karate, or plays soccer or baseball even if her favorite thing to do is the park or the pizza parlor, find these places in your new neighborhood, get brochures, pictures or videos. Teenagers Teenagers are most concerned with fitting in. They may react angrily to the move, even insist they're not going. This is usually due to the total lack of control they have over everything important in their lives - friends, school and jobs - being disrupted. These children can be very worried about making new friends, and what will be different in the new school. They are curious about the clothing, hairstyles, bicycles, cars, etc. that kids in the new city will have. Pictures of all these things are very helpful, so if you take an orientation trip is sure to take many detailed Photos/ videos of the schools they will be attending Avoid any surprises by having choosing me as your real estate professional, I will guide you through the necessary steps. Rely on my expert advice to keep you well informed and prepared. It's just one more way that I will starve to take the anxiety out of buying your dream home. Count on my Skills, Experience and Outstanding Performance. You are thinking of a Real Estate Transaction, No matter what locations or budget you may have in your mind and you are interested in, We, a team of competent professionals, extend our expertise, connections, power and services to your benefit.   You may have many questions to be answered. Please browse all the other links and respective pages to justify more facts and findings to your advantage at time of your buying or selling a Real Estate in Canada.   If You are a New Comer to Canada or First Time Buyer: CMHC-The Newcomer's Guide to Canadian Housing and Buying Step by Step are the most informative sources for New  Immigrants and First Time Buyers when buying a home in Canada. Please contact me for a copy of the Guide or Download the .pdf file.  Click:  New.Immigrant.Housing-Guide + HomeBuying.StepByStep   I F  Y O U  A R E  B U Y I N G:   Please Click:  Buyers_Page : Property_Buyers_Requisition   I F  Y O U  A R E  S E L L I N G : Please Click: Sellers_Page : Property_Sellers_Requisition