Buyers

Before viewing houses, pre-approved home buyers meet with me for a “counselling session” to make sure they understand every aspect of the process, including negotiating and closing costs. When it’s time to offer, I’ll do an analysis to ensure fair market value. My clients know they can call at any time and that I am looking for homes that suit their needs.

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Our Home Buying Process

1. Consultation for Home Buyers

Are you buying a house in Regina or the surrounding area? You may want to jump right in and start going to open houses. However, prior to starting the physical home search, I ask that buyers meet with me for a “buyers’ counselling session.” During this meeting I explain what you can expect during the home buying process and what's going to happen during every step. We discuss when we will look at homes, what kind of homes you want to see and we’ll talk about the home inspection, negotiating and closing costs.

2. Mortgage Pre-Approval

Home buyers should get pre-approved first so that they know exactly what they can afford. If you don’t it could lead to disappointment if the houses you view are outside your actual price range, and no one wants to have their time wasted like that. Even if you’re certain you qualify, getting a pre-approval from a Regina mortgage broker can streamline the process and make sure there are no disappointing surprises. 

3. View Listings

Once we’ve had our “counselling session” and you’re pre-approved, then we can begin to look at houses. I encourage buyers to use any of the available platforms when looking for Regina MLS listings. Some of the main platforms are Realtor.ca or Point2Homes but right here at KelseySmith.ca is a wonderful place to start your search. 

4. Making An Offer

When you’re ready to make an offer, we’ll discuss the offer itself, conditions and possession day. Most importantly, I perform a market analysis on the home to make sure you’re paying fair market value. Remember that home buyers are not responsible for their agent’s commission. It is predetermined between the sellers’ agent and seller. This has no effect on the buyer. Using me to purchase a home is a free service to the home buyer.

If you are buying a home you should have a realtor who can show you houses--some don't make it to public listing sites like Realtor.ca and you could be misisng out--and who can negotiate and handle the complex paperwork you'll need, as well as make sure you're getting a fair deal. Often people ask this question because they are worried about paying a real estate agent's fees, but there is no cost to the buyer to retain an agent. The agent is paid through the a commission arranged with the sellers. 

There is no right answer to this question! If the first home we view meets your needs and you want to buy it, you're under no obligation to look at others. Conversely, if you see twenty houses and still don't feel like any of them are right, it's okay to keep looking. A home is a major investment and you want to make sure you're making the right choice for you. Talk to your real estate agent if you're worried you can't decide or "just want to get it over with." Keep in mind though that if you're seeing dozens of houses and none are what you're looking for you should talk to your real estate agent to make sure they are finding the right sort of properties to show you.

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