Buying your Home
Guiding and educating you through the home buying process
“Tell me your Dreams, I will make it a reality and put your heart in a good home.”
Few joys can match the pride of owning the roof over your head, but you will have to make some sacrifices. There’s the obvious financial responsibility, but your home will also require constant care. That’s what real pride of ownership is all about.
CHIs right now a good time to buy? Markets go up, markets go down and even the smartest experts can’t accurately predict when a market will peak or bottom out. If you’re buying a home as a long-term investment (and for long-term enjoyment), you should be protected from short-term changes in the market. Pick a home that meets the needs of you and your family. Then you’ll enjoy living in your investment as it grows in value.
Decide what you want to buy. Nowadays, there are many different types of homes to choose from. Without the help of a REALTOR®, you may end up in a neighborhood that doesn’t suit your needs. Take a minute to reflect on your lifestyle, and based on that, decide what best fits you. To help, we’ve broken down the most popular housing options here. CLICK HERE TO DOWNLOAD MY COMPLETE BUYING GUIDE
Do you really need to take that with you? A new home is a new lease on life, and a chance to liberate yourself from stuff you simply don’t need. If you haven’t used it or worn it in the last year, you probably don’t need it. Have a garage sale, or give it to charity.
Once you move in
The boxes are mostly unpacked and you’re settling in nicely. You will now feel a strange urge to begin making changes and improvements right away. That old carpet has to go, a bigger deck would be great for entertaining… slow down! Take time to get a feel for your new home, and more importantly, your new budget. CLICK HERE TO DOWNLOAD MY COMPLETE BUYING GUIDE
What you need to know about the Canadian First-Time Home Buyer Incentive
The federal government launched a new national program on September 2, 2019, that it says will help thousands of families across the country buy their first home. Aptly named the First-Time Home Buyer Incentive (FTHBI), the program offers eligible buyers up to 10% of a home’s purchase price to put toward their down payment, thus lowering mortgage carrying costs and making homeownership more affordable.
But before you put your real estate agent on speed dial and start browsing the MLS listings, there are a few things you should know about the FTHBI. First, you might not qualify, since the program is limited to a specific subset of first-time homebuyers. Second, the Incentive is not free money, but a form of loan from the Government of Canada which will eventually need to be paid back, possibly at a large premium.
The specifics of the FTHBI are a bit complicated, so we’ve broken down the main points to help you figure out whether you can access it and, more importantly, what the potential pitfalls could be if you do.
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St. Catharines, ON. L2R 7L9
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KRIS VRCEK - BROKER
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