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.
We work closely with two local brokers.
1. Deanna Williams-CIBC-you can find out more about Deanna here:
Deanna Williams Bio
Buying a home is one of the biggest investments most of us will ever make, and I'm here to help you make the most of this considerable investment. I look forward to working with you to assess your real estate financing options. Whether you'd like to buy your first home, renovate an existing property, or leverage the equity you've built, I'm here to discuss strategies and products available to you.
Beyond the basics of borrowing you may want to consider the bigger picture, such as do you have the most efficient borrowing solution in place to meet the needs of today and tomorrow? I’m committed to understanding your unique needs and helping you translate that into the right solution to meet them.
My goal as a CIBC Mortgage Advisor is to help you obtain flexible and affordable access to the money you need. From mortgages and lines of credit to personal loans and secured borrowing, I can help find the solutions that will meet your needs.
Over the past 20 years with CIBC, I have had the privilege in assisting clients with their financial needs. I hold designations in Cana dian Securities, Professional Financial Planning, and Canadian Investment Funds and enjoy providing custom tailored solutions that align with the diversified needs of my clients.
Please feel free to contact me at (403) 783-7501 for all of your Mortgage needs.
I'm here to provide you with one on one, no obligation advice. As your single point of contact, I’ll help make the mortgage financing process convenient for you, as well as discuss flexible solutions that take your lifestyle into account.
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 our 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.