Barbara Ann Kisiloski Life's greatest reward comes from helping others

Barbara Ann Kisiloski

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Purchase Process

The purchase of a home can be an overwhelming process. Your real estate agent will help with everything from acquiring financing, to finding the right home, to ensuring a smooth closing, and beyond.

Since purchasing a home is likely the largest purchase you will make throughout your life, your real estate agent will enlist the services of trusted professionals such as a home inspector, a mortgage professional, a lawyer or notary, and an insurance broker, to lead you through each step of this process.

Mortgage Professional or Lender Representative
You can acquire mortgage financing through a variety of institutions including banks, trust companies and credit unions. It makes sense to research different lenders because terms and options will vary. Your friends, family and real estate agent will be able to provide a reference for a reputable mortgage provider.
You need a lawyer or a notary to protect your legal interests, such as ensuring the property you are thinking of buying does not have any building or statutory liens, or charges, work or clean-up orders associated with it. Your lawyer will review all contracts before you sign them, especially the Offer (or Agreement) to Purchase. Having a lawyer/notary involved in the process will give you peace of mind and ensure that things go as smoothly as possible.
purchase processHome Inspector
You should consider having the home inspected regardless of whether it's a resale or a brand new home, by a knowledgeable and professional inspector. Again, your real estate agent or mortgage professional will be able to refer you to a reputable home inspector.
The home inspector's role is to inform you about the property's condition. The home inspector will tell you if something is not functioning properly, needs to be changed or is unsafe. You will also be informed of repairs that need to be made and, quite often, made aware of past problems.
Insurance Broker

An insurance broker can help you with your insurance needs, including property insurance. Lenders insist on property insurance because your property is their security for your loan. Property insurance covers the replacement cost of your home, so premiums will vary depending on the home's value.

The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Real Estate Board of Greater Vancouver (REBGV), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the REBGV, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the REBGV, the FVREB or the CADREB.