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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As Calgary, Bearspaw, Springbank, Rocky View MD, Elbow Valley Estates, Heritage Pointe, Md of Foothills real estate expert, it's Mikes job to guide you, from beginning to end. 

He will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, you and Mike will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell Mike a bit about your situation below. He'll get right back to you. There is absolutely no charge, and he offers this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
First Time Buyers >The Perfect House

Home buyers must often deal with deferred maintenance or repairs. For example, you may have found a terrific house and like many competent home buyers, you included a structural inspection contingency in your purchase agreement. What happens when you find out that your "perfect" house needs some work? Do you ask the sellers to pay for the repairs? Before you answer "yes", there are some important considerations.

Some contracts require that all of the home's systems, such as plumbing, heating, electrical and central air conditioning, be in working order. In this case, the sellers may be obligated to repair any problems with these systems. Leaky roofs, damp basements, or other structural problems may not be covered, however. If you ask the sellers to make these types of repairs, you may void the contract by doing so. The sellers might prefer to negotiate the repairs to keep from losing the sale. If there are other buyers waiting in the wings with back-up contracts, you run the risk of losing the home.

See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia
Q 
Nearly every state has a mandate for seller disclosure. What must a seller disclose?

A 
The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Mike Hornby, REALTOR®, real estate agent and broker for Calgary, Bearspaw and Elbow Valley Estates, Alberta home listings, property and land for sale - NUMBER1EXPERT

Mike Hornby
ReMax Real Estate Central

206 2411 4th St. NW
Calgary, Alberta, T2M 2Z8
Cell: 403-870-8009
Fax: 403-284-4923
mikehornby@NUMBER1EXPERT.com

Mike has been selling in Calgary, Bearspaw, Springbank, MD of Rocky View, Elbow Valley Estates, Heritage Pointe, MD of Foothills areas for over a decade. He has helped hundreds of clients purchase and sell their homes, through his efforts Mike has recieved many Re/max awards, including induction into the Re/max Hall of Fame and Platinum Club status. Contact Mike today! 403-870-8009



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