{"id":3133,"date":"2017-01-07T08:27:22","date_gmt":"2017-01-07T08:27:22","guid":{"rendered":"http:\/\/www.montreal-realestate.ca\/english\/?p=3133"},"modified":"2019-04-04T11:51:26","modified_gmt":"2019-04-04T11:51:26","slug":"first-time-home-buyer-101","status":"publish","type":"post","link":"https:\/\/www.montreal-realestate.ca\/english\/first-time-home-buyer-101\/","title":{"rendered":"How To Be a First-Time Home Buyer"},"content":{"rendered":"

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By Jennifer Lynn Walker <\/span><\/p>\n

When most of us think of buying our first home, we have a picture of it in our minds. It may have a traditional white picket fence or a modern black door. As much as visualization can be a great place to start, there’s much more to consider. Buying a home is probably the biggest investment you\u2019ll ever make. As exciting as it can be, it\u2019s important to be prepared so you don\u2019t end up overwhelmed or facing unexpected problems. <\/span><\/p>\n

A mortgage pre-approval is fundamental<\/b><\/p>\n

During a pre-approval, the bank will analyze your income versus your debt load and let you know how much they are willing to lend you. Once you\u2019ve received a pre-approval, you\u2019ll know your budget and sellers can have confidence that any deal you make won\u2019t fall through. <\/span><\/p>\n

Depending on your personal financial situation, most banks will require a minimum downpayment of five percent. If you want to avoid paying mortgage insurance, you\u2019ll need a down payment of 20 percent or more. <\/span><\/p>\n

A good real estate broker smooths a complicated process <\/b><\/p>\n

The intricacies and pitfalls of real estate can be overwhelming. Real estate brokers know the market and have professional liability insurance. They\u2019ll show you what has sold and for what price so you can assess a property\u2019s market value. They\u2019ll also draft contracts and negotiate on your behalf. And they\u2019ll coordinate the work of other professionals such as notaries, banks, inspectors, and tradesmen during the process. A good broker is important because knowing the process and having the right mindset is imperative to being legally protected and getting the best deal. \u00a0<\/span><\/p>\n

A \u2018wants and needs\u2019 list helps avoid impulse buying<\/b><\/p>\n

Before you start looking, write out your list of wants and needs in order of priority. Knowing what you can \u2014 and can\u2019t \u2014 live without will help you make decisions more quickly because you\u2019ll already understand where you can compromise. Being clear about your intentions from the start helps you avoid potentially disastrous impulse decisions.<\/span><\/p>\n

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MEET JENN<\/h1>\n

Real Estate Broker & Educator<\/h4>\n

Jennifer Lynn Walker has specialized in buying and selling both residential and multiplex properties since 2003. She’s built a strong network of specialist, to give her clients a seamless experience throughout the real estate journey. Founder of\u00a0Montreal Real Estate Investor\u2019s Group, and Jolly Green Homes.\u00a0\u00a0<\/em>How can I help you today?<\/a><\/strong><\/p>\n

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Due diligence prevents unpleasant surprises <\/b><\/p>\n

Costs and conditions change dramatically from property to property so it\u2019s important you do your research. Aside from the mortgage, your monthly costs include heating, electricity, fees (ie: condo fees), and taxes. Be sure you know what these will be. Other things to check out include the neighbourhood\u2019s crime rate, schools, right-of-ways, neighbours, environmental conditions, and traffic. Understand that buying a condo means you are buying part of the condo association and how it\u2019s run. Get to know their budget, expenses, and upcoming projects. \u00a0<\/span><\/p>\n

Buying within your means ensures you won\u2019t be house-poor <\/b><\/p>\n

It may be tempting to buy your dream home at first but be mindful to not overstretch your finances. Living in a home that eats up more than its fair share of your monthly income is stressful. Instead, defer the dream and buy a house where you can build your equity. Then sell within five or 10 years when you are prepared for a larger house and mortgage.<\/span><\/p>\n

Don’t forget about closing costs <\/b><\/p>\n

These can really add up. On average, there will be your notary cost, the inspection, adjustments at the time of sale, moving costs, and don\u2019t forget land transfer fees, our Quebec \u201cWelcome Tax\u201d that can add up to thousands of dollars.<\/span><\/p>\n

Buying a home is a process you\u2019ll likely only do a few times in your life. Slow down, be prepared, and then have fun with it. Your dream home is out there waiting for you, whenever you can get to it.<\/span><\/p>\n

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 <\/p>\n

This article was featured in:<\/p>\n

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By Jennifer Lynn Walker When most of us think of buying our first home, we have a picture of it in our minds. It may have a traditional white picket fence or a modern black door. As much as visualization can be a great place to start, there’s much more to consider. Buying a home […]<\/p>\n","protected":false},"author":2,"featured_media":8536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"By Jennifer Lynn Walker <\/span>\r\n\r\nWhen most of us think of buying our first home, we have a picture of it in our minds. It may have a traditional white picket fence or a modern black door. As much as visualization can be a great place to start, there's much more to consider. Buying a home is probably the biggest investment you\u2019ll ever make. As exciting as it can be, it\u2019s important to be prepared so you don\u2019t end up overwhelmed or facing unexpected problems. <\/span>\r\n\r\nA mortgage pre-approval is fundamental<\/b>\r\n\r\nDuring a pre-approval, the bank will analyze your income versus your debt load and let you know how much they are willing to lend you. Once you\u2019ve received a pre-approval, you\u2019ll know your budget and sellers can have confidence that any deal you make won\u2019t fall through. <\/span>\r\n\r\nDepending on your personal financial situation, most banks will require a minimum downpayment of five percent. If you want to avoid paying mortgage insurance, you\u2019ll need a down payment of 20 percent or more. <\/span>\r\n\r\nA good real estate broker smooths a complicated process <\/b>\r\n\r\nThe intricacies and pitfalls of real estate can be overwhelming. Real estate brokers know the market and have professional liability insurance. They\u2019ll show you what has sold and for what price so you can assess a property\u2019s market value. They\u2019ll also draft contracts and negotiate on your behalf. And they\u2019ll coordinate the work of other professionals such as notaries, banks, inspectors, and tradesmen during the process. A good broker is important because knowing the process and having the right mindset is imperative to being legally protected and getting the best deal. \u00a0<\/span>\r\n\r\nA \u2018wants and needs\u2019 list helps avoid impulse buying<\/b>\r\n\r\nBefore you start looking, write out your list of wants and needs in order of priority. Knowing what you can \u2014 and can\u2019t \u2014 live without will help you make decisions more quickly because you\u2019ll already understand where you can compromise. Being clear about your intentions from the start helps you avoid potentially disastrous impulse decisions.<\/span>\r\n\r\nDue diligence prevents unpleasant surprises <\/b>\r\n\r\nCosts and conditions change dramatically from property to property so it\u2019s important you do your research. Aside from the mortgage, your monthly costs include heating, electricity, fees (ie: condo fees), and taxes. Be sure you know what these will be. Other things to check out include the neighborhood\u2019s crime rate, schools, right-of-ways, neighbors, environmental conditions, and traffic. Understand that buying a condo means you are buying part of the condo association and how it\u2019s run. Get to know their budget, expenses, and upcoming projects. \u00a0<\/span>\r\n\r\nBuying within your means ensures you won\u2019t be house-poor <\/b>\r\n\r\nIt may be tempting to buy your dream home at first but be mindful to not overstretch your finances. Living in a home that eats up more than its fair share of your monthly income is stressful. Instead, defer the dream and buy a house where you can build your equity. Then sell within five or 10 years when you are prepared for a larger house and mortgage.<\/span>\r\n\r\nDon't forget about closing costs <\/b>\r\n\r\nThese can really add up. On average, there will be your notary cost, the inspection, adjustments at the time of sale, moving costs, and don\u2019t forget land transfer fees, our Quebec \u201cWelcome Tax\u201d that can add up to thousands of dollars.<\/span>\r\n\r\nBuying a home is a process you\u2019ll likely only do a few times in your life. Slow down, be prepared, and then have fun with it. Your dream home is out there waiting for you, whenever you can get to it. <\/span>\r\n\r\nJennifer Walker has been active in Montreal Real Estate since 2003. She founded the Montreal Real Estate Investor\u2019s Group, which has more than 1,150 members. She specializes in buying and selling, eco-friendly homes, and helping real estate investors.\u00a0<\/span><\/i>For more articles and e-books and to sign up for her newsletter, visit her online at: www.montreal-realestate.ca.<\/span><\/i>","_et_gb_content_width":"","sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-selling"],"yoast_head":"\nHere Are New Home Buying Tips For Montreal's First Time Home Buyers<\/title>\n<meta name=\"description\" content=\"Buying a home is probably the biggest investment you\u2019ll make. 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