Hi {first_name},

I still remember the look of shock on Deb and Ali’s faces when they were hit with $3700 in

closing costs they had no idea were coming.

They were one of my first Buyer clients when I started in Real Estate a number of years

ago. I hadn’t properly prepared them for their house hunting journey to come. And so their

joys of finally becoming new home owners were quickly hit with a cold dose of reality.

Since then, I’ve made it my mission to have home buyers like you completely armed and

ready with knowledge.

What You NEED to Know Before Buying Your Next Home:

1. How much you can afford

Having a pre-approval for a mortgage adds to your negotiating strength. In fact -

some Sellers even request you add proof of pre-approval to an offer to purchase

their home. It’s a crucial first step to home-ownership that saves you the time and

heartache of finding a home you love but can’t afford.

Pro Tip:

Use a mortgage broker to help get the best mortgage for your needs. Most people go

through the bank where they have their chequing or savings account, simply

because they don’t know any better. In my next email I’ll tell you why I choose a

broker over a bank rep, all day every day. I think you’ll find it a really useful read!

2. You need a reserve for closing costs

The big ones include land transfer taxes and legal fees, among a host of others like

mortgage insurance, utility hookups, and moving costs. A safe reserve is about 2-4%

of the purchase price of your home; so if you’re looking at properties around $300

000, that’s about $6 000 - $12 000 in closing costs.

3. I'm here to protect you.

What happens if you need to sell your current home before closing on a new one? Or

if a home inspection turns up a leaky A/C unit and you the Seller can’t decide who’s

to pay to fix it? A savvy Realtor guides you through your options and negotiates

powerfully on your behalf. They protect you from potential legal trouble with a

thoroughly crafted offer to ensure your best interests are properly secured.

Have any questions? That’s what I’m here for. Feel free to contact me via email or my direct

line below.

Always happy to help,

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PS – Remember to look out for my next email where I’ll fill you in on why you should always

shop for a mortgage through a Mortgage Broker. It’s a must-read when shopping for a new

home.

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