Steps of your purchase
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1
Bank pre-authorization
This step is essential to :
- Ensure that you obtain the lowest mortgage interest rate, between the rate in effect at the time of acceptance of the promise to purchase and the rate you have reserved.
- Give you an undeniable advantage when negotiating, especially in the case of multiple offers.
- Enable you to draw up precise mortgage scenarios (budget).
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2
Identification of needs and CCA
At this stage, we establish your search criteria: the price based on the pre-approved amount, the type of property (house, condominium, land...), divided co-ownerships, undivided co-ownerships, multiplexes, small farms, etc. The next step is signing the purchase contract if you wish to be represented and guided (See articles for a comparison between being represented or not by a broker)
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3
Search
I'll program a personalized search based on your criteria, and you'll receive an e-mail with all available properties matching those criteria.
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4
Seller's declaration and document analysis
When a property description captures your interest, we'll examine together the Seller's Declaration (SD) and the documents available at this stage.
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5
Visits
Once the virtual selection has been made, it's time for the physical visits.
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6
Promise to purchase
Drafting of the promise to purchase and its appendices. If you are represented, as recommended by Quebec law, you will benefit from my strategic advice on the drafting of contract clauses. My mission will be to protect your interests by negotiating the best possible terms for you.
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7
Completion of conditions
I undertake to follow every step of all conditions up to the notarized deed at the notary's office.
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8
After-sales service
I remain available at all times after the sale to answer your questions or help you in any way I can.