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The Home Buying Process

Before You Buy a Home, A Checklist

The time has come and you are ready to buy for first or next home-sweet-home for yourself or an investment.

Before you start your search, review this checklist, which we hope will help you prepare your budget and guide you on your way to financial success in this and future real estate transactions.

1. Reduce Debt & Increase Credit Score: 

Before you start looking for your next home you should request a credit report. This will give you a starting point on understanding your credit score before you request a loan. Your credit score will influence the interest rate of your loan.

2. Save Money to Set Yourself Up with a Large Down Payment:

 Before starting your home search, it's important to get advice from a qualified lender about what you can afford and the minimum down payment required with new rules in Canada. You'll want to save and get as close to possible to this amount as soon as possible. This may allow you to get a better mortgage rate and you may qualify for special programs like the First-Time Home Buyers Plan or other financing options. 

3. Keep a Conservative Budget

: It’s just not the list price that is included in the purchase. Keep in mind there are inspection fees, title insurance, legal fees, moving expenses, and typically new furniture purchases that you should prepare for in advance. Along with the initial closing costs and moving expenses, you should also be aware of your monthly budget moving forward. With homeownership comes property taxes, condo fees, home repairs, and more. You want to make sure you are prepared for future budgeting as well. 

4. Get Pre-Approved

Your pre-approval can help if you are putting in an offer against someone who is not... makes you look like a more ready-now buyer. Your pre-approval is based on your actual income, debt, and credit history. This is different from pre-qualification, which is how a lender determines how much you can afford.

5. Set Your Home Buying Budget

By getting your finances in line before your first home showing you know the price range of a home that you can actually afford. It is important to set a realistic budget that fits your income level and characteristics you want in a home. 

6. Find an Agent You Trust

An agent will be able to guide you along the way and educate you in the home buying process. Also, keep in mind an agent usually is very well connected to the other professional advisors you will need before closing day. 

As you begin the process to find your next home checking these items off your list will provide you with a more successful home buying experience. Our team is here to help you! Let us know the area and/or neighbourhood you are looking to live along with your top needs our team of professionals will assist with finding your next home.

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Newest Listings in Nova Scotia

4 Beds 2 Baths 202414369 MLS
Welcome to 34 Nightingale Drive (“Birdland”), located in the highly sought-after neighborhood of Rockingham. This fabulous 3-bedroom, 1.5-bath home, just shy of 1700sqft, is uniquely situated on the edge of Tremont Plateau Park. This home has everything you could possibly want, with modern updates and a large, tranquil backyard,making it the perfect blend of private paradise and family living.Step inside and you are instantly greeted by beautiful hardwood floors and a large open-concept living space, including the kitchen, dining room, and living room. Thecustom kitchen is fresh, bright, and perfectly designed with optimal function and aesthetics in mind. It features a large island with seating, downdraft venting, amicrowave drawer, and stunning quartzite countertops. Patio doors off the dining room lead you to the beautifully landscaped backyard. The 20’x14’ composite deck andlarge yard, which adjoins a treed park space, provide maximum privacy and adventure space.Head upstairs to find three generously sized bedrooms, a 5-piece main bath, and plenty of storage. The lower level offers access to the attached garage, a family den(which could serve as a 4th bedroom if needed), a super cute and functional laundry room, walkout access to the backyard, an “office” or mudroom space, and a secondbathroom. The attached single-car garage is heated and spacious.This well-established neighborhood boasts mature trees and generational living. With a 25-minute drive to the Halifax International Airport, 17 minutes to thechildren’s hospital, and just 2 minutes to grocery stores and major amenities, this location is ideal for anyone! Don't miss the chance to make 34 Nightingale Drive your new home.

34 Nightingale Drive, Halifax

3 Beds 2 Baths 202414274 MLS
Check out this fantastic Fairview family home! This amazing 3 bedroom 2 full bath home is sure to please the pickiest of buyers. Immaculately maintained this home has great curb appeal the moment you pull up to the driveway. There is a large front porch and when you enter the home you will be greeted with gleaming hardwood floors, large living room with working fireplace, large updated kitchen with loads of cupboard and counter space, with access to the newer side wraparound deck overlooking the lovely fully fenced back yard. There is a formal dining room and a spacious bedroom on the main level. The secondary main floor bedroom was converted to a den to allow access to the HUGE upper floor addition featuring an enormous 2nd bedroom with loads of storage space! The main level also features a lovely Hollywood bathroom with air jet soaker tub for relaxing after a long day! The lower level of the home features a spacious rec room with walkout to the back yard, another spacious bedroom, 3 piece bathroom, large laundry area and utility room as well as storage room providing ample storage for the entire family. There is additional storage in the shed located in the back yard as well! This home is located centrally in very popular Fairview, close to schools, major transit routes, shopping, entertainment, recreation, highways, bridges, hospitals & just about everything else you can think of! Call today for your private viewing before this one is gone! Offers must be submitted to the listing agent by Monday June 24th by 11AM.

82 Adelaide Avenue, Halifax

3 Beds 4 Baths 202414247 MLS
Welcome to 832 Wisteria Lane, a stunning executive bungalow located in the highly sought-after St. Margaret's Village subdivision. This impeccably maintained home offers just under 3,400 square feet of luxurious living space, with 3 bedrooms, and 4 bathrooms. Built in 2004, this gorgeous home features a variety of recent upgrades, including a brand-new roof, three ductless heat pumps, and a high-efficiency tankless hot water system which provides on-demand hot water for radiant heating and household use. The open-concept kitchen and living area provide the perfect space for entertaining, while a large lofted family room overlooks from above and offers flexibility for numerous applications. Most interior spaces are adorned with gleaming hardwood and ceramic tile flooring, creating a warm and inviting ambiance. A propane fuelled back-up generator ensures that your family remains safe and comfortable even during times of inclement weather. The exterior of the property is equally impressive. Enjoy the exceptionally manicured grounds from the comfort of the front deck and pergola, or entertain guests on the multi-tiered rear deck, which offers unique spaces for dining and socializing alike. The fully furnished walkout basement offers versatile space that can be adapted to suit a variety of functions. The dedicated walkout even offers the possibility of secondary suite applications. The heated attached double garage features recently installed epoxy flooring, and the large exterior shed and provides convenience and additional storage flexibility. Located within minutes of local schools, grocery stores, restaurants, and cafes, this home is perfectly positioned for convenience. St. Margaret's Bay offers a plethora of recreational opportunities, including boating, cycling, beaches, and more. With easy access to Highway 103 and a brisk 20-minute drive to Halifax, this location is ideal for those seeking both tranquility and accessibility.

832 Wisteria Lane, Upper Tantallon

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