INFORMATION FOR BUYERS

We're glad that more people are becoming curious about this market! It's an exciting and rewarding situation, with interesting old homes in good condition, new luxury developments, plucky condos downtown, and well-planned family residences with lasting financial and utilitarian appeal.

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THE HOME BUYING PROCESS

As you begin to think about buying a home, you're probably acutely aware that this is likely to be your greatest investment ever (short of children or a good marriage), and you might be wondering if there's anything you really need to know as you go into this process. This is where your real estate professionals come in. With the help of a trained agent, you can come out on top of a closing that might otherwise have pushed your retirement ahead a decade! This happens all the time to buyers, who are left reflecting on the relatively small commission that would have brought a Realtor into the bargain to help them.

If you'd like to know about the home buying process, we'd love to tell you all about it.

SEARCHING FOR A HOME

Despite (and perhaps because of) the great selections in homes in this area, buyers are having a difficult time zeroing in on the home or property that is uniquely appropriate for their needs.

Just remember: Browsing the listings for months is one way search out the deals, but weighing the investment potential of each property can be difficult, and many homes for sale are never listed publicly.

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5 REASONS TO BUY YOUR HOME WITH A REALTOR®

1) Get access to all the listings.

2) Know all the facts on properties you are interested in.

3) Negotiate with the help of a real estate professional.

4) Finance your home faster.

5) Make a solid investment that pays off down the road.

New homes for sale hit the market daily. As your representative, we'll be in regular contact with sellers and other real estate agents to ensure you see all the newest listings right away, whether or not they're made public. Often, our clients can put in offers with little or no competition and walk away with an impressive deal on the property of their choice. Your agent will also make sure you see only the properties that meet your needs and investment preferences, so that you don't spend time on listings that aren't of interest. As you compare the best deals, we'll provide you with important information about the home, its neighborhood, zoning issues, utilities, and nearby plans for development.

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Many real estate transactions include an extensive negotiating process, and as your buyer's Agency it will be Our job to represent you here and get the best deal possible. We'll also attend property inspections, make sure any and all agreed-on repair work is carried out, and handle paperwork related to the sale. We can also help set up the financing for your invesment, and work directly with a broker to provide you with a seamless service package.

HOME BUYER'S GLOSSARY

AMORTIZATION SCHEDULE

The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.

Equity

The process of determining the market value of a property.

Mortgage

A mortgage that can not be prepaid or negotiated for a set period of time without penalties.

Closing date

The date on which the new owner takes possession of the property and the sale becomes final.

Collateral

An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.

Deposit

A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.

Equity

The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.

Term

A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.

Term

The period of time the financing agreement covers. The terms available are; 6 Month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.

WORK WITH US

Ashley & Jeff are an award-winning, husband-and-wife real estate team with CENTURY 21® Fusion, dedicated to helping the families of Saskatoon find their dream homes.