An experienced and successful realtor since 1994 Friendly, competent - never any pressure - service Specializing in listing and selling homes anywhere in the Lower Mainland, offering options on commissions and service The goal: To sell your home with the maximum exposure while you save big on commissions, preserving as much of your equity as possible

Selling more listings than 99% of realtors in the Fraser Valley Real Estate board See what others said about my service Keep more $$$ Save on commissions View our Listings Graph of the Strength of the Real Estate Market & Monthly Stats . USEFUL LINKS City of Surrey Municipality of Delta Surrey School District Surrey Public Library Weather in the Lower Mainland BC Ferries Small Claims Court

Buying a Home - Page 2 . Thinking of Buying? Make at least 3 offers Once you've seen enough homes, select the three most desirable ones and make an offer below true market value on the most desirable home. Base your offer not on the list price, but on the market value of the home as derived by an accurate Comparative Market Analysis (CMA). If you can't buy the home at, or below, market value, then make an offer on the 2nd most desirable home and then on the third. It's a lot of work for both the buyer and the realtor, but this way you are assured that you didn't pay any more than you had to. If you are unsuccessful with your offers, go back to the 1st home, improve your offer and try again. As your realtor, it is of paramount importance to me to help you buy your next home at the lowest price possible. The Most Common Mistakes You Can Make  When Buying a Home Avoid them So That You Don't Pay Any More Than You Have To. Mistake #1 Lowest possible interest rate not guaranteed First things first. Before you go even start looking for a new home, get pre-qualified, so you know how much home you can afford to buy. Second, negotiate hard (or choose a mortgage broker) to get the lowest possible rate. Ask to have your rate guaranteed in writing for 60 or 90 days or longer. If rates go up, you still get the low guaranteed rate. If rates go down, you get the new low rate. It doesn't costs you anything and you know that on completion date you'll have the best possible interest rate. If you don't have the interest rate of your mortgage guaranteed, can cost you dearly over the life of your mortgage. (A mortgage of $120,000 at 6.25% instead of 6% will cost you $5,400 more over 25 years !!!) Mistake #2 Basing you offer entirely on the asking price Never base your offer on the list price alone. Before making any offers find out the market value of the property by asking your realtor to provide you with a Comparative Market Analysis (CMA). Then offer a little less than fair market value. Depending on how a property is priced, you may get a good deal if you pay full price,or you may pay too much if you buy it at $15,000 below list price. . Mistake #3 Not thinking resale It may the furthest thing from your mind when buying a home, but the decisions you make the day you buy the home, will either pay dividends when you sell, or will come back to haunt you. The statement "you make the most money the day you buy the home" is very true. A home may be a roof over your head, but it is also the biggest investment most people will make in their lifetime. Think about it: Will it be easy to sell four years from now? Mistake #4 Buying on emotions rather than on intellect Most people buy on emotions (curb appeal, firtst impressions, cleanliness e.t.c.) rather than on intellect (going beyond the surface and seeing the true potential of the home). Once they buy, they try to justify an emotional purchase with logic. It just doesn't work. Big mistake! . Mistake #5 Having many realtors showing you homes There is nothing wrong with shopping around. But once you talked with a few realtors and discussed your real estate needs with them, pick one. Just one realtor that you feel comfortable with and you feel will represent your interests the best and in an unbiased way. Then give that realtor your business. Be loyal to the realtor and the realtor will be loyal to you. It is a big mistake to say "I'll give my business to the realtor that will find me the house". How about if a realtor that just showed you a home knows that another home that you viewed with another realtor is a better deal. Can you really expect the realtor to recommend that other house, knowing that if you buy it, he/she will receive no compensation at all for all the time, money and effort that was spent on you? Can you see the conflict of interest here? It's unreasonable to expect an unbiased opinion from someone that has a vested interest in a particular property. If you have more than one realtor showing you homes, in reality you have nobody trully and totally working for you, representing your interests. Mistake #6 Buying without knowing the market Are we in a Sellers, Balanced or Buyers Market for the type of home you are interested in? Is the market on an upswing or downswing? In the area of your interest, how much demand is there for the style of home that appeals to you? While in some areas basement style homes are a hot buy, in other areas two-storeys on crawlspace are more desirable. Think about it as a number of small real estate markets within a big one. Once you find a good home at a reasonable price, should you move quickly and snap it up or would it be better to negotiate long hoping for a better deal? You will profit from an unbiased opinion. That's why it pays to work with only one realtor (see mistake #5 above).

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