The province of Alberta boasts a beautiful city named Calgary, which is one of the most prosperous cities in Canada. Its population continues to grow rapidly, yet the real estate market offers competitive home prices despite the number of home shoppers. Many are attracted to the area because of its majestic scenery, numerous job opportunities, affordable living costs, and friendly residents.

Buying a home is an adventure. It is also a simple process if you break it down into a few, easy to follow steps.

Your home purchase is an investment in you and your family’s future prosperity. Following some simple home buying guidelines will assure your success.

These six home buying steps will prove invaluable in your search for Calgary homes for sale.

Step 1. Set Up Initial Conference With Your Realtor

A realtor is a tremendous asset throughout the home buying process. Set up an initial meeting and discuss the details prospective properties must have. Your agent has experience in the real estate profession. They know many aspects of the market an average home buyer does not.

A real estate agent will prove invaluable in your home buying experience. Your realtor needs all the details you can provide in order to find suitable prospective properties. A home purchase is a large investment. You want to give the process the time and effort needed.

Step 2. The Required Steps to Make Financial Arrangements for Your Home Purchase

Your realtor can offer guidance. Mortgage brokers are known to offer more choices for financing than banks. Interest rates may be variable or fixed. Be sure to find out all closing costs, along with any prepayment penalties on your loan beforehand.

Interest rate lock-in is most always an option. Ask the lender if there are any fees associated with this service.

Step 3. Searching for Properties

Now you begin the fun process of home shopping. Your realtor will compile a list of prospective properties. As new properties are introduced into the market, you will also be informed of those. In the process, you will eliminate some homes, and create a list of the homes you like most.
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Do not get discouraged if you do not find a house immediately. You want to view several properties. Then you will be sure to find the perfect home.

Step 4. Make an Offer on the Property

Once a property is selected, the selling history is researched and compared with similar sized properties in the area. This helps you determine an offer price. Your offer will include specific terms and sale conditions, your offer price, and an adequate amount you are willing to pay as a deposit to secure the home.

Once the offer is prepared, your realtor will present it to the seller. If the offer is accepted, the seller and buyer will sign and execute the offer. If a counter offer is submitted, you will then evaluate and decide if you accept. If so, the counter offer is then signed by both parties.

Step 5. Satisfying the Conditions of Sale

Your realtor will now gather all that is needed to satisfy the terms and conditions of the offer. Usually a home inspection is performed, and you will need to provide necessary documents for the mortgage broker. When the terms and conditions are met, the home is removed from the buyer’s market and listed as sold.

Step 6. The Possession of the Home

The overall process from offer to possession can take 30 to 60 calendar days. The attorney will handle the final documents and closing legalities. You will need to make arrangements for providing the down payment amount. You will need to purchase homeowner’s insurance and provide proof of insurance to the lender.

During this time, make arrangements for having your mailing address changed to the new residence. Plan for the utilities name change from your old residence to the new one. Your realtor will schedule a walkthrough with you on the day you take possession to make certain everything is up to par.

After that, you can move in and start enjoying your new home right away!

In Calgary Tom Sherry serves as one of the top real-estate agents. You learn more about buying Calgary homes for sale. Do it right search listings and book a viewing at http://CalgaryHomes.pro