10 steps to buying your home


1. Figure out how much house you can afford
  • Calculate your monthly income and debt.
  • Check your credit report and FICO score.
  • Use FrontDoor’s mortgage calculator.
  • Figure out your down payment.
2. Get pre-approved for a mortgage
  • Choose a type of mortgage.
  • Speak to at least five lenders and mortgage brokers.
  • Shop for the best interest rates and programs.
3. Determine what you want and need in a home
  • Choose a location (sown tow, suburbs, rural(
  • Choose a type (single family, townhouse, condo)
  • Choose a price range.
  • Choose a size.
  • Choose an architectural style.
4. Research your target neighbourhoods
  • Look online for information on schools, crime rate, traffic and zoning.
  • Determine your work commute.
  • Scout local amenities, such as parks, shops and restaurants.
5. Work with a buyer’s agent who knows the neighbourhood
  • Get referrals.
  • Consider working with an exclusive buyer’s agent.
  • Interview at least three agents.
  • Look for experience and good chemistry.
6. Search for homes in the MLS and For Sale By Owner (FSBO)
  • Browse listings online.
  • Ask your agent to set up tours of homes that fit your criteria.
  • Check local newspapers.
  • Attend open houses.
7. Research each home you want to buy
  • Ask your agent for comps to estimate the property’s fair market value.
  • Ask the seller’s reason for selling.
  • Review all property disclosures.
  • Find out about liens, easements or other restrictions.
8. Make an offer and negotiate
  • Determine the purchase price.
  • Include contingencies, such as financial, inspection or purchase.
  • Spell out any special requests and repairs you want included in the sale.
  • Determine an earnest money amount.
  • Define a move-in date.
  • Once both parties agree to the terms, sign the Purchase and Sale Agreement.
9. Finalize the deal
  • Get the house appraised.
  • Get a professional home inspection.
  • Consider getting inspections or structural engineering, roof and termites.
  • Use the appraisal and inspection reports to re-negotiate if necessary.
  • Choose a home insurance company.
  • Complete the loan process with the lender.
  • Do a walk-through inspection prior to closing.
  • Set aside cash for the closing costs and down payment.
10. Close the purchase
  • Review the settlement document at least 2 days before closing to see how funds will be collected and distributed.
  • Get a cashier’s check for the amount you need to bring to closing, including the down payment and closing costs.

Looking to Buy?

Whether you're a first time home buyer or an experienced investor, I'm committed to guiding you through the buying process. There are many important questions to consider when purchasing a home. Avoid time-consuming and costly mistakes and put my experience to use.

To get the ball rolling, all you need to do is fill out the form below or simply get in touch and I will help you find your dream home!

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Mehdi Moosaei Royal Pacific 
550-650 West 41st ave Vancouver BC V5Z 2M9 

Mobile: 604-339-1633 Phone: 604-266-8989 Fax: 604-266-8829 Email: