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The following article was published in our article directory on February 5, 2011.
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Steps to Take and Things You should Know when Buying a Home in Toronto

Article Category: Real Estate

Author Name: Paul Stephens

If you are interested in buying a home in Toronto, Canada, it will serve you well to read the rest of this article. Below are the steps you need to take and things that may prove to be of help to you to be able to successfully purchase a house.

Determine Your Financial Position

The first thing you need to do once you decide that you want to take your pick among homes for sale in the Toronto area is to determine whether you can afford to buy your own house. There are a couple of things you need to do here, one of which is to obtain a credit report. A bad credit score can affect your chances of getting a good deal especially when you're applying for a mortgage loan. If you discover that you aren't scoring too well, make the necessary reparations to make your score go up. If, however, your standing is okay, the other thing you would have to factor in would be the cost of buying a house. Understand that aside from the down payment, there are also closing costs that you need to be on the lookout for.

Know What You Want

Aside from being aware of your financial standing, you should also have an idea as to what house you would like to purchase. Are you interested in condos, lofts, or townhouses? Would you like a bungalow or a two-story house? To determine the perfect kind of home for you, consider your needs and wants, and do some research.

Apply for a Loan

Go to your bank, provide them with the required documents, and then apply for a mortgage loan.

Get in Touch with a Realtor or an Agent

The best way to be able to get a credible agent is to ask for referrals from people you trust - like family and friends. If, however, you weren't able to obtain any, the next best thing would be to make a beeline for an agent affiliated with or employed by a tried-and-tested real estate company, such as Remax.

Once you found a real estate agent, the next thing to do would be to provide him or her with details such as where you would like to live, the type of house you would like to purchase, and how much the bank is willing to lend you.

Deal with the Seller

Once your agent has found you a house, you are now ready to deal with the seller. First, ask for a Disclosure - this is basically a list composed of the things that need to be repaired or are not in top condition in the house. If you are still interested after the "revelation", proceed with making an offer by drawing up a contract. If you have come to an agreement you and the seller should affix your signatures on the document. A point has to be made here: when drawing up an agreement, make sure that you include a clause that lets you walk away from the deal should the home inspection reveal problems you are not willing to handle. If there are no problems, then there's nothing left to do but the last step, and this is:

Settle Closing Costs

Part of settling closing costs is picking an insurance company and having the property insured. Insurance costs will be added to the closing costs which include legal fees, fire insurance, and taxes. To pay, you only need to go to the office tasked with handling the closing and then give your payment in cash. You don't have to worry about the mortgage since the bank will be the one that will wire the money to the office.

Keywords: Toronto, real estate, condos, lofts, remax, realtor, agent, homes, sale, Canada

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