When you begin your search, remember to compare each property according to your standards and your priorities as determined in your wish list. By investing time and thought in choosing your property, you can find a home with the most functional fit for your lifestyle.

Charles's expert knowledge will help you select the property that meets your needs. He will also advise you on financing options and recommend other professionals such as building inspectors, lawyers and notaries public who needed to complete the sale.

Get Pre-Approval
An Mortgage pre-approval not only helps you determine what you can reasonably afford, but also improves your status as a buyer. In a hot market such as we are experiencing now, an offer placed by a pre-approved buyer is attractive to a seller because it minimizes the risk of the sale falling through because of a lack of financing. It saves everyone time and money.

Pre-approval of a mortgage is when your lender has reviewed all your financial information and has determined the maximum amount of money you can borrow. Many banks and financial institutions are competing for your business so it makes sense to shop around for a mortgage. Most lenders will reduce their posted interest rate so don't be shy about bargaining. Your ability to bargain for a low rate and a flexible mortgage will often depend on how much business you have with the institution. You can contact banks and credit unions directly, or work with a mortgage broker. A broker will help you find a lender and the best mortgage package.

Searching for a house
Charles will give you a list of properties for sale that fit your requirements and setup appointments to view houses.

Found your dream home
Once you found the perfect home and are ready to make an offer. Charles will present your offer to the seller, who will accept, reject or make a counter-offer.

Completion
Once your offer has been accepted, Charles will help you navigate through the contracts and agreements with a minimum of hassle, always there to explain your options and address any questions that you may have. He will also guide you through or suggust professional to help you deal with the final steps of legal requirements before the completion of the transaction. Such as:

• Pay the deposit
• Have the home inspected
• Satisfy the conditions and subject clauses
• Finalize your mortgage
• Purchase Homeowners' Insurance
• Hire a lawyer or notary public

With Charles, you can be sure that your new home purchase will be in the best possible hands.