WORK WITH US
In the world of real estate, individual needs, expectations, and experience levels vary greatly. If you are seeking a dedicated, empathetic, and tailored approach to meet your unique requirements, we believe we could be the perfect match for your real estate journey.
Here’s what they had to say…
“I recently worked with Keri and Erika to purchase a rental property in Edmonton. As someone from out of town, I appreciated the insight they were able to provide on the Edmonton market and ultimately led me to make a purchase I was 100% comfortable with. Would definitely rely on them again! “
– TOM ZIELINSKI, CALGARY AB (BUYER)
Buying a home is one of the most significant purchases in a lifetime. It is essential to have an experienced agent in your corner, always looking out for your best interest. A buyer agent's fiduciary responsibility is to represent the buyer and to ensure that they are protected.
Being pre-approved, unlike being pre-qualified means you've actually been approved by a lender for a specific loan amount, this will help you in our negotiations and lend for a speedier more fluid close. You can do this with your preferred lender or we can connect you to a great mortgage broker that can look after your needs.
Before you begin your search, take the time to ask yourself key questions that will uncover your real estate preferences. Pinpoint the big picture items you can't budge on. Next, make a list of features your dream house would ideally have.
With your mortgage pre-approval in hand it's time to start shopping. Let us do the grunt work, this process is meant to be fun for you!
We've found the house! In today's market when the demand is so high it's important to act fast, we will make sure you have put your best foot forward and that you have your i's dotted and t's crossed.
This is where we review all aspects of our offer, negotiating with the sellers.
We will ensure you have everything the lenders may need to solidify your new home. This is when we secure home owner's insurance to protect your newest asset.
We will schedule a thorough inspection of your potential new home. During which we will be there to support you and the inspector.
This is your final step in formalizing your purchase!
Here we are again, to take the stress from your shoulders so you can enjoy the day you've been waiting for. Crossing the threshold into your new future.
Must-Have Guide!
Make informed decisions as you navigate what’s likely the biggest and best investment of your life.
Our mission is to alleviate your stress and ensure a smooth transaction process, shouldering the responsibilities on your behalf. Let us take care of the details.
Buying and selling isn’t about our timeline; it’s about yours. We’ll ensure that we get you from point A to B on schedule (or sooner!) and that we remain focused on your goals the whole way through. And when you get distracted by shiny things, we’ll bring you back on track.
Some say it’s lacking in business, and for us it’s one of the cornerstones of our working relationship with you. We’re in the people business and what’s more personal than helping you with the place you call home? We promise to be genuine with you the whole way through. You’ll get to see us for who we are – caring, kind, fun, knowledgeable, loyal, and consistent.
It shouldn’t be the exception, but rather the rule. Being honest, ethical, having grace, respect, and being accountable to you and our actions are key for us. After all, we both like to be able to sleep at night!
We believe every person, regardless of background or financial standing, deserves dignity, respect, and a place to feel at home. You can be comfortable around us, you are appreciated, and we will never judge you. Our choice in who to work with is based on two things: 1) Be a nice human. 2) Have your pre-approval. We are committed to treating all of our clients with genuine hospitality.
We know you’re likely coming to us with experience and/or knowledge (or sometimes just a list of questions, which is great too!), and we want you to know that when we work together, we’ll always include you as part of the team and decision making. We want to fill the void that so many financial transactions are missing – transparency. To us, if we aren’t open and honest with you, there is no trust.
We are delighted at the potential to work with you! Doing your due diligence on your desired outcome is the first step in the right direction!
While homes in the greater Edmonton area, generally tend to appreciate in value over time due to factors like urban development and economic growth, it’s important to note that real estate markets can be subject to fluctuations. Various elements, such as shifts in the local economy, changes in housing demand, and market trends, can influence property values. While depreciation is less common in stable markets, it’s still possible for a home’s value to decrease temporarily due to these factors. Staying informed about the local real estate landscape and working with experienced professionals can help mitigate risks and make well-informed decisions.
An older home can offer exceptional value comparable to a new home for various reasons. Firstly, the established location of an older home often provides proximity to well-established communities, schools, and amenities. These features can be hard to replicate in new developments. Secondly, older homes might have larger lots and mature landscaping, providing a more spacious and serene environment. Additionally, the craftsmanship of older homes can be of high quality, with unique architectural details that might not be found in newer constructions. Renovations and upgrades can also modernize an older home, often at a more affordable cost than buying new.
New construction offers a range of compelling benefits that make it an attractive choice for homebuyers. Firstly, new homes are built with the latest materials and construction techniques, ensuring energy efficiency, better insulation, and modern amenities that may align with current lifestyle needs. They often come with warranties that cover structural elements and appliances, providing peace of mind for homeowners. Customization options allow buyers to tailor the design, finishes, and layout to their preferences. Additionally, new construction homes usually require minimal initial maintenance and repairs, saving both time and money.
Both have benefits in their own way and finding the right fit for you is what is key.
A mortgage associate plays a pivotal role, serving as a vital intermediary between homebuyers and lenders. Their primary responsibility is to connect potential homebuyers with suitable mortgage options from a variety of lenders, including banks, credit unions, and alternative lending institutions. Mortgage associates assess individual financial situations and goals, offering tailored advice to help clients make informed decisions. By leveraging their extensive network and industry expertise, these associates negotiate competitive interest rates and terms on behalf of their clients. Additionally, associates handle the mortgage application process, navigating the complexities of paperwork and ensuring compliance with regulatory requirements.
Ultimately, a mortgage associate’s role is to simplify the mortgage journey, secure favorable financing, and provide invaluable support to homebuyers as they achieve their homeownership or investment dreams.
Yes, homeowners in Canada can choose to pay their property taxes and home insurance on their own. Property taxes are typically paid directly by the homeowner to the municipal government. Many homeowners choose to set up a separate savings account to ensure they have the funds available when the property tax bill is due.
Similarly, home insurance is a requirement for most mortgage lenders and is typically paid by the homeowner. It covers the cost of repairing or replacing the home and its contents in case of damage or loss due to unforeseen events like fire, theft, or natural disasters. Most insurance companies take this as a monthly automatic payment (yearly premium).
While it’s common for homeowners to pay these expenses directly, some mortgage lenders offer the option to include property taxes in the monthly mortgage payment through an escrow or impound account. This way, the lender collects the funds and pays the bills on behalf of the homeowner.
Ultimately, whether homeowners choose to pay property taxes and insurance directly or through an escrow account depends on their preferences and the options offered by their mortgage lender.
The mortgage approval and financing process duration in Canada can vary based on several factors, including the lender, the complexity of the application, and the current market conditions. On average, the process can take anywhere from a few days to a few weeks. Here’s a general breakdown of the timeline:
Pre-Approval (Optional): Getting pre-approved for a mortgage can typically take a day or two. This step provides you with an estimate of how much you can borrow, helping you set a budget for your home search.
Submitting an Application: Once you’ve chosen a property and have a purchase agreement in place, you’ll submit a mortgage application to the lender. This step usually takes a few hours to a day.
Document Verification: The lender will review your application and request various documents to verify your financial information, employment, credit history, and more. This stage can take several days, depending on how quickly you can provide the required documents.
Underwriting: The lender’s underwriting team will evaluate your application, documents, and property information to determine the risk and whether to approve the mortgage. This process typically takes around 5 to 10 business days.
Appraisal: If required, the lender may order an appraisal to assess the property’s value. The appraisal process usually takes around 5 to 10 business days.
Final Approval: Once all the information is verified and the underwriting process is complete, the lender will provide a final mortgage approval. This can take a few days.
Mortgage Offer and Acceptance: The lender will provide a mortgage offer detailing the terms and conditions. After you review and accept the offer, you’ll sign the necessary documents. This step can take a few days.
Funding: The lender prepares to fund the mortgage. This can take a few days to coordinate with various parties involved.
Closing: The mortgage funds are disbursed to the seller, and the property ownership is transferred to you. The closing process usually takes a day or two.
Keep in mind that this timeline is approximate and can vary. It’s advisable to work closely with your mortgage broker or lender to understand the specific timeline for your situation and to ensure a smooth and timely process.
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