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Rob

Buying With Rob

I understand there are several factors to evaluate in buying your dream home. It takes a lot of time, effort and money. Let me take any worries away and energetically assist you on this exciting journey in finding you the right home at the right price.





FIRST TIME BUYER STEPS

1. START SAVING

The sooner you start saving for a new home whether first-time buyer, or experienced, the better. First-time buyers should also be aware of some of incentives provided, such as ; Home Buyers Plan (HBP), First Time Home Buyer Incentive (FTHBI), First Time Home Buyer’s Tax Credit (HBTC) and First Home Savings Account (FHSA)

3. FIND A REAL ESTATE AGENT

You need a trustworthy real estate agent who will be your personalized home-buying guide as you search for home new home. They will help you find the right home, negotiate a great price and look out for your best interests.

5. MAKE AN OFFER

You found your home, now time to make an offer. Again, your agent provides guidance on the amount of offer, critical dates, and any conditions/stipulations to be included in offer to protect your best interests. EX. Home Inspections

7. ENJOY YOUR NEW HOME!!!

2. GET PRE-APPROVED FOR MORTGAGE

There is a difference between pre-approved and pre-qualified. Pre-qualify is a simpler process to give you an estimated mortgage amount but no guarantees from the lender. Pre-approval is a more complicated process and time consuming with the lender but well worth the e ort.

4. START THE SEARCH

The journey begins! You and your agent begin to search, discuss and set up showing appointments.

6. PREPARE FOR COSTS TOWARDS AND ON CLOSING

Such costs may include home inspection fees, mortgage fees, legal fees,land transfer taxes, moving costs, remainder of down payment etc...
What is the Home Buyers' Plan (HBP)?

What is the Home Buyers' Plan (HBP)? The Home Buyers' Plan (HBP) is a program that allows you to withdraw from your registered retirement savings plans (RRSPs) to buy or build a qualifying home for yourself or for a related person with a disability.

First Home Savings Account (FHSA)

First Home Savings Account (FHSA) A first home savings account (FHSA) is a registered plan allowing you, as a prospective first-time home buyer, to save for your first home tax-free (up to certain limits). You can open an FHSA starting April 1, 2023.

First-Time Home Buyers’ Tax Credit (HBTC)

First-Time Home Buyers’ Tax Credit (HBTC) For the 2022 and subsequent taxation years, the Budget proposes to increase the amount used to calculate the HBTC to $10,000, which would provide a tax credit of up to $1,500 to eligible home buyers.

The First-Time Home Buyer Incentive

The First-Time Home Buyer Incentive The first-time home buyer incentive A new program helps to make homeownership more affordable. The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.

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