THE HOME BUYING PROCESS
Your step-by-step guide to purchasing a home with confidence.
Buying a home is one of the most significant decisions you’ll ever make. The choices you make during this process will shape your future, impacting your lifestyle, financial well-being, and overall happiness. That’s why having the right REALTOR® by your side is essential.
We would be honoured to assist you in finding the perfect home and to be your REALTOR® of choice. Our role is not just to facilitate a transaction, but to guide you through every step - asking the right questions, weighing your options, and ensuring you make informed, confident decisions.
The most valuable quality a REALTOR® can offer is empathy. You deserve a professional who prioritizes your needs over a commission - a trusted advisor who listens, understands, and puts your best interests first.
At Century 21 Seller's Choice, we’re here to guide you every step of the way.
Why choose us?
We're not just here for the transaction.
We're here to listen, guide, and help you make smart, informed decisions with empathy and care.
Initial Consultation
We’ll start by meeting to discuss your needs, wants, and goals. During this time, we’ll also review your financial situation to help determine your qualifications and clearly define our agency relationship.
Get Pre-Approved
You'll meet with a mortgage lender to review your finances and secure a pre-approval letter, this will help clarify your budget.
Shop for a Home
We'll begin touring properties that fit your criteria. You'll gain a better understanding of the current market, and we'll arrange viewings of homes that align with your lifestyle and budget.
Find the Right Home & Make An Offer
We'll perform a comparative market analysis to ensure it's priced appropriately. Then, we'll craft and submit a strong well structure offer that reflects both market conditions and your best interests.
Present & Negotiate Offer
Your offer will be presented to the seller. If accepted, we'll move forward by signing the purchase agreement and submitting your deposit to secure the home. We'll work together to negotiate the best possible outcome.
Inspections and Disclosures
We’ll review the property condition disclosure statement provided by the seller. We’ll also schedule a professional home inspection to assess the home’s condition and identify any potential issues.
Negotiating Inspection Results
After the inspection, we'll review the findings and if necessary we'll negotiate repairs or adjustments to the agreement.
Finalizing Mortgage Approval
You'll submit any final documents required by your lender to move forward, we'll ensure that everything is completed accurately and on time.
Appraisal and Underwriting
If required by the lender, a home appraisal will be completed. During underwriting, your loan application and documents will be reviewed. Additional documentation may be requested at this stage.
Loan Commitment
Once underwriting is complete and all conditions are satisfied, you’ll receive your official loan commitment and final financial approval.
Removing Contingencies
We’ll ensure all contract contingencies have been addressed, including inspection outcomes and financing approvals. Any amendments needed will be signed at this stage.
Securing Home Insurance
You’ll select a homeowner’s insurance policy and provide proof of coverage to your lender and lawyer before closing.
Signing Closing Documents
As closing day approaches you'll meet to sign all required documents including mortgage paperwork and legal disclosures.
Down Payment & Funding
Your lender will send the mortgage funds to your closing lawyer. You'll also provide your down payment at this time, bringing everything together for a successful closing.
Close Transaction
Once the title is transferred and the deed is officially recorded, the keys are yours! You now take possession of your new home and can start this exciting new chapter.
LETS GET STARTED!
CENTURY 21 Seller’s Choice Inc.
The Local Experts
136 Crosbie Rd - Suite 202, St. John’s, NL
(709) 579-0021
sellerschoice@century21.ca
Independently Owned and Operated. ®/™ trademarks owned by Century 21 Real Estate LLC used under license or authorized sub-license. © 2020 Century 21 Canada Limited Partnership © 2020 Century 21 Canada Limited Partnership
The trademarks MLS®, Multiple Listing Service® and the associated logos identify professional services rendered by REALTOR® members of CREA to effect the purchase, sale and lease of real estate as part of a cooperative selling system. The trademarks REALTOR ® , REALTORS ® and the REALTOR ® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license. This listing content provided by REALTOR.ca has been licensed by REALTOR® members of The Canadian Real Estate Association. Not intended to solicit properties currently listed for sale or buyers under contract.
Century 21 Canada Limited Partnership currently has franchise opportunities available in select markets across Canada. The intent of this communication is for informational purposes only and is not intended to be a solicitation to anyone under contract with another real estate brokerage operation. This e-mail message contains confidential information intended only for the use of the individual or entity named above. Any unauthorized use or disclosure is strictly prohibited. If you have received this communication in error please immediately delete the e-mail and either notify the sender at the above e-mail address or by telephone.
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