Buyers

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. 

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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