The reason you have come to this website, is one or more of the following:
a) You may be planning to buy a home in the future
b) You may be planning to sell your home in the future
c) You may like to know how much you can afford to buy a home.
d) You have been referred to my website and want to know the contents.

Whatever your reason, you are here and I would like to give you some valuable information. All my clients have thanked me for sharing with them the principle of Home Buying Financial Needs Analysis - an independent and systematic diagnosis to find out what value of home you need to look for.

What is Home Buying Financial Needs Analysis?

As you know, when you go to your doctor for an annual health exam, you do not want it, but you need it, and hence you go to find out how your health is generally. During that time, some issues may come up which you were not aware about and therefore you can take steps to correct any health problems.

Similarly, every person planning to buy or sell a home needs to know their financial health condition in order to make the right decision. Therefore, it is necessary at the time of buying your home to arrange a check up of your financial health. This type of a check up will identify whether you have any wide gaps in your financial health and thereby take remedial measures to ensure you do not have a a financial emergency after buying or selling your home.

To arrange a time for me to do a free of cost, no obligation financial needs analysis, please send me an email with Home Buying Financial Needs Analysis in the subject line. I guarantee you that you will thank me for having advised you to carry out a Home Buying Financial Needs Analysis prior to buying a home.

Please note: You will receive a $300 gift certificate or FREE staging for carrying out the home buying or selling financial needs analysis. A win-win situation I offer my clients.

[By the way, there is another check up you need to do if you are planning to buy a home or a car. This is known as Clean Bill of Wealth and I can discuss with you separately. This involves doing a check of your credit report (history) to find out the contents and how they could be affecting your getting a loan approved at a lower rate of intrest. You will not believe the secrets that are revealed during this research and that will truly astound you. For example, if you have not checked your credit bureau records for a long time, you might be surprised to note who is doing a credit check on you without your knowledge, which credit company or vendor has not updated your payment records, etc., which is affecting your beacon score and that in turn affects the rate you are charged when you go for a loan, or to buy a car, or for a mortgage, etc. Having the highest beacon score, means having a Clean Bill of Wealth, which you can use to your advantage at the right time.

Now if you have come to my website because you are planning to buy, sell or rent a freehold townhome, free hold town house, semi, detached, condo townhomes, cottage, apartment, etc. or any property in real estate Ontario, having a mortgage pre-approval is the first step and the best thing you could do. The advantages of having a written mortgage pre-approval (which by the way, is free and puts you under no obligation to buy, sell or rent!! In fact, you receive a $300 gift certificate just for doing the pre-approval through me as a licensed Mortgage Agent) are as follows:

1. You are able to lock in the best rate and therefore would know what your monthly budget would be approximately, once you own a home. Your realtor® can assist you in this regard.
2. You are able to know how much amount the financial institution will loan you when you are buying (or when you are selling and then buying) and therefore can decide on how much you should pay for the home you are going to see.
3. You have a secret weapon in your pocket to be used when the time comes to negotiate with the seller through your realtor, the lowest price for you. Once the seller knows you have a mortgage pre-approval, most often then not, you stand at an advantage as compared to someone who does not have a mortgage pre-approval.
4. The last but, not the least advantage is that when the mortgage specialist is taking your information to do a credit analysis and decide on the best mortgage rate for your personal situation, something might crop up which you were not aware which could have been keeping your beacon score down. At the time of obtaining the credit report, you can come to know this information and fix it, if required. And if not required, you just get a "clean bill of wealth", to get the best possible mortgage rate. Isn't this what you actually want when you are planning to buy, sell or rent a property?

For more information on obtaining a Clean Bill of Wealth, please contact me or your financial advisor. You will be pleasantly surprised!