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Before viewing homes, I offer a "buyer consult" to ensure they understand every aspect of the home buying process, including the benefits of a pre-approval, negotiations and what they can expect for closing costs. My home buyer's guide has a ton of excellent information designed to inform and set you up for home buying success. I look for properties that suit my client's needs and respect financial limitations. My clients have confidence knowing they can call me at any time. 

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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 scheduling viewings. However, prior to starting the physical home search, I ask that buyers meet with me for a “buyer consult session.” During this meeting, I explain what to expect at every step while home buying. We discuss the criteria of your dream home, what defects are important to look for when viewing homes and everything else from the home inspection, to negotiations and how to choose your real estate lawyer. 

2. Mortgage Pre-Approval

Home buyers should get pre-approved first so that they know exactly how much house they can afford. If you don't have a pre-approval, when you find the perfect home you could become disappointed to learn that someone else bought it while you were waiting for your pre-approval or to learn that you were looking outside your affordability.  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. It also makes the mortgage approval process much faster and less stressful for you! 

3. View Listings

Once we’ve had our “buyer consult” and you’ve received your pre-approval, we can start looking at homes seriously. 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. As your Regina real estate agent, I will also search for and send you listings that meet your needs. Once we have a handful of possibilities picked out, I will schedule the viewings on your behalf and we will go house hunting together.  

4. Making An Offer

When you’re ready to make an offer, I will explain to you the terms and conditions and legalities of the contract. Most importantly, I perform a comparative market analysis on the property to ensure you pay no more than fair market value and ideally a little less than that! I will help you formulate a strong offer that has the most likeness to be accepted by the sellers. Remember that using a buyer's agent is a free service to you as a home buyer. The commissions for a buyers agent are paid for by the seller. 

James & Taylor

“

I highly recommend Kelsey Smith for the purchase of your next home! She always had loads of listing to send to us. When we found one we wanted to look at, she would get a time booked in right away. Everything went so smoothly, we couldn't of asked for a better experience buying our first house. Not even mentioning the smoking deal Kelsey got us!!

Merv M

“

Kelsey was professional even when I told her that I was interviewing others. Ultimately the way Kelsey handled herself was exactly what I was looking for in a real estate agent.

Kelli Knight

“

I am so glad that I made the choice to use Kelsey Smith as my agent. She went above and beyond all of my expectations in every way possible. She worked tirelessly to make sure I got see all the houses I needed to see (which was a lot!), going through more than 5 offers on different houses, and had endless patience to help me find my perfect home. I have never seen anyone with more patience and willingness to work hard to make sure my needs are met. Even after the sale was 100% complete, she is still helping with different aspects of owning my home! This shows how much she cares about her clients. She has an extremely high level of knowledge, and her integrity and professionalism are second to none. She always had my best interests in mind, even if it meant advising me to walk away from a sale. She held my hand through every step of buying a new house, so I didn’t have to worry about a thing as she was on top of everything. Even helping me with the fears of buying and owning my first home! I would recommend Kelsey Smith to anyone, as I know they will be taken care of and in good hands. Thanks to Kelsey, I own my dream home and I am so happy!

Swaby Family

“

Professional, diligent, innovative and personable are just a few words we would use to describe Kelsey. Kelsey was our Realtor for the purchase of our first home. She explained each step of the real estate purchase process, and even provided us with a Buyer’s Guide booklet, which not only had the different stages of the buying process, but also had contact information for possible services we would need as new home owners. 

We are new to Canada with young children and Kelsey gave us suggestions for family-friendly neighbourhoods. She noted our search criteria, and never bombarded us with houses that did not match our criteria. We felt like she actually took the time to make sure what she was sending us matched our criteria. If there was a house that she thought would be nice for us, but did not meet our criteria exactly, she would send it to us and explain why she thought it could work for us. Kelsey did not try to get us to just buy a house, and she never tried to get us to settle, she worked really hard to make sure that we bought a house we loved. 

Whenever we looked at a house that we ended up not making an offer on, Kelsey would always offer encouraging words and let us know the right house will come. After weeks of looking with no success, Kelsey offered to send a mail out to house owners in our desired neighbourhoods. She wrote the letter and went house to house to deliver. 

We can’t stress it enough – Kelsey worked hard to ensure we got a house we loved. For the house we ended up buying, Kelsey fit us in for a showing on a very busy evening for her - even though it was a last-minute request, and we had previously told her we would stop house hunting for 2017. She worked late into the night to get us the market assessment so that we could decide how much to offer for the house. During negotiations, there were issues with some appliances and she listened to our concerns and relayed them to the sellers’ Realtor. She was able to negotiate a deal that was fair to us.

After closing, Kelsey checked in to see how things were going and even arranged to remove junk left behind by the previous owners. We are very pleased to have had Kelsey as our Realtor. If we ever decide to sell and/or buy again, we would use her for our Realtor again. We highly recommend her!

Remember that homes come with necessary maintenance and no property is perfect. Chances are you will have to clean the gutters or do some other repair type maintenance to the property upon move in. However, if something is wrong with any of the major structural systems like the sewer lines, furnace, air exchanger, shingles or chimney; you may have a right to negotiate or walk away from the purchase if you feel it’s too much to take on.

No, but you should know that you aren’t saving any money by buying privately. Regardless of if you are buying on MLS Regina or buying privately you should still seriously consider having a home inspection and a Professional Home Appraisal done. When buying privately, you should know that you run the risk of making an oversight that could have been avoided if you had your own advocate & real estate professional providing guidance.

There are huge benefits to owning both kind of these properties. Condos in Regina serve great purposes for all kinds of people. They are low maintenance, super convenient and you can buy them brand new! Single family homes offer other awesome benefits like having your own lot, being able to have 16 dogs (if you want) and not being within ears distance of a neighbor.

5% of the purchase price is the minimum amount needed to buy a home in Regina. So if you are buying a $300,000 home, you will need at least $15,000.

There are so many ways you can prepare to buy a home in Regina. My advice would be set up a buyer consult with myself or your Regina mortgage broker. The real estate agent will be the person you spend the most time with and they communicate the most with all the other service providers you will work with such as a home inspector, lawyer and mortgage broker. The mortgage broker will be the first person to tell you what you can afford.

As your Regina real estate agent, before you make an offer on any property, I will preform a comparative market analysis to determine what the fair market value of the home is. By making dollar adjustments based on certain value factors against the property you like and others that have sold or are currently available on MLS Regina, I will be able to help you determine what dollar amount you should offer for the home and what price you should avoid paying.

Using a Regina real estate agent when you are buying a home is a free service, the agent is paid from a portion the sale proceeds the seller receives when you put a new mortgage on their property. The commission is pre set by the seller and the seller’s agent before the property is listed on MLS Regina and has no affect on the sale price.

Using a Regina Realtor® when buying a home will relieve so much of the uncertainty buyers can have while going through the process. We represent people who are buying homes every day. We are versed in contractual law; negotiations and we know what defects to look for when viewing homes for sale in Regina. Realtors® are meant to be an asset to you while buying a home.

The average person looks at less than 20 Regina homes for sale. If you are specific about your new home’s criteria, you should be able to look at 20 MLS Regina listings or less.

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