Mel McCartney

(403) 875-5284
Mel McCartney
Phone:(403) 875-5284

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Buying

Let Me Help You Every Step Of the Way.

When purchasing a home, you are faced with a multitude of decisions.  Finding that perfect home is not an easy task, and obtaining a mortgage loan can be a complex and tiring process.  Once you've made the commitment to reach that home-purchasing goal, though, the rewards you can achieve are unquestionable.
 

Your First Step

Your first step in the home-buying process is to define the reasons why you want to purchase a new home.  To stop paying rent? To start building equity? To have a place of your own? To raise a family? To move up to a bigger house?
Determine the style of home you prefer and the  area in which you'd like to live. Be specific.

Develop a needs vs. wants list.  Everyone has a picture of their ideal home. This home would include all the features you not only need, but have long desired. However, when it comes time to buying a home, these desired features constitute additional costs. While it's nice to think about having an artfully landscaped backyard, or built-in appliances, these are usually considered luxury items, which can add considerably to the price of your property.
 
Begin the list with items you absolutely need like adequate room, garage space and number of bedrooms. How much space do you really need? Does your situation require a one-level home, or are stairs acceptable? Basic needs should be considered first. After these have been established, you can consider additional features if you can manage these benefits financially. With such a list in your hands, you're less likely to be caught up in the excitement of the pursuit. You'll have a good idea of what you want, the features within your price range, and whether or not you can afford those additional items.
 

Your Next Step: Loan Pre-Approval

Once you've narrowed down your list, you're ready to take the next step in the purchasing process:  getting pre-approved with a mortgage company.  While getting pre-approved may sound daunting, it actually just involves getting an idea of what you can afford.  When you're pre-approved, this means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you've found a  home to purchase.
 
 

 

Let Me Find the Perfect  Home for You

It is a very time consuming process to view every home available that meets your needs. I can do much of the work for you, by establishing your needs, then reviewing a range of properties and advising you of potential matches. I have my finger on the pulse of housing trends and prices and access to the best possible resources and communication systems available today to help you locate homes on the real estate market that match your specifications.  A comprehensive knowledge of the available homes in your neighborhood is one of my strongest assets.
 
Once you've been pre-approved and know what price range you plan to stay within, I can help you determine which properties fit your needs and wants, using the (MLS) Multiple Listing Service system and set up a search based on your specific criteria. This then sends you an email notification every time a property that matches your search, lists giving you an advantage, as the MLS.ca info is 2-3 days delayed! Also, for any search, we can set it up, to show you sold listings aswell, with sold price - and allows you to keep a better eye on the market for the  areas you are considering.
 
 

Start your search now 

I Will Help You Every Step Of The Way

Data supplied by CREB®’s MLS ® System. CREB® is the owner of the copyright in its MLS® System. The Listing data is deemed reliable but is not guaranteed accurate by CREB®.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
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.