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Marion Lahey

, REALTOR®

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Marion Lahey

Hello, I'm Marion and I'm a REALTOR®

CELL: (250) 300-3730   |   SEND AN EMAIL

 Are you searching for your dream home? Are you buying your first home or maybe downsizing? Buying or selling a property, regardless if you are a first time home buyer or have lived in your home for many years, can be stressful. 

 

First time buyers - How much can you afford? A pre-approval for your mortgage amount will tell you the monthy payment that you can afford to re-pay. 

                         - How much do you have for your downpayment? A minimum 5% downpayment is required; however, with a larger downpayment, you will either reduce the amount of monthly mortgage repayment or be able to afford the home you desire. 

                         - Are you aware that you will require additional money for closing costs i.e. lawyer fees, property transfer tax, inspection, appraisal etc

Current home owners - regardless of whether you are buying a larger home or downsizing your existing home, you have lots to think about.                             

                               - How much is my home worth in today's market? Have a Comparative market Evlauation done to establish a current market value.

                                - Do I have enough equity in my current home to buy a bigger home? Have a chat with your lender to find out if your existing mortgage is transferrable, assumable or how much would a penalty cost you if you paid off your existing mortgage. Has your home been used as collateral for a LOC or other loans/

                               - Do I qualify for a larger mortgage amount? Talk to your current financial institution or a mortgage broker to have you pre-approved. 

 

Buying or selling is time consuming and detailed, talk to licensed professional to assist you in all your real estate needs. 

 

A property search will define the home you want, in the area you have chosen to live in, determined by your affordability factors. Let the search begin!