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Is This Your First Time?

Deciding to purchase Rocky Mountain House Homes for Sale can be a very scary decision, and overwhelming to say the least. Having a trusted advisor in your corner from the beginning is the best first step to take when you decide to become a home owner. It is your right and responsibility to yourself to find the realtor ® best suited for you. The associates at Clearwater Realty to would be happy to meet with you, find out what you need and want, and fit you with a hand picked realtor ® that best suits you. You can interview as many associates as you like until you find just the right one; ask them what their areas of expertise are, how they go the extra mile for their clients, and how much experience they have in this local market.

Once you choose the associate you wish to work with, that realtor should present you with some informational paperwork known as a consumer relationship guide. It will explain to you the role of your agent and the responsibilities they have as your representative. They should also be going over a buyer brokerage agreement with you which outlines specific roles and responsibilities of both parties, and solidifies the working relationship; your agent is committing to work for you and with your best interests in mind, and you are agreeing to allow your agent to work for you. These are both mandatory forms in our industry, if you are not being presented with them, ask your realtor why?

The next best step for you is to make an appointment with your financial institution or mortgage broker of choice. Have your financial information organized and ready to take to this meeting. This may include T4’s or notice of assessment from the previous calendar year, most recent pay stubs, and loans or credit card debt etc. Anything to give your lender the most accurate picture of your financial standing. From this information your financial advisor may offer you a “pre-approval” monetary range in which you are safe to start your house hunting. This range is very important for you and your realtor ®, you don’t want to look at homes that are out of your reach…especially if you fall in love with something you can’t afford. So, this base line allows you to shop within your means to find your perfect home.
Now it’s time to start looking! Take this price range, as well as your wish list (do you want to be in Rocky Mountain House or on an acreage in Clearwater county, do you need a garage, how many bedrooms, how many fireplaces, walk in closet, ensuite??) back to your Clearwater Realty advisor and let the house hunt begin!! Your realtor ® takes care of booking all showings for you, on properties listed with any brokerage, and will take you on guided tours of each property that peaks your interest. You work together with your realtor ® to narrow your choices until you find just the right home.

Rocky Mountain House Homes for Sale–Your DREAM Home

You’ve found your dream home!! How exciting, so let’s write an offer on that Rocky Mountain House Home for Sale. Expect a lot of paper work here…but don’t worry your agent will explain everything to you in a way that you can understand it and move forward with confidence. There are conditions to discuss in order to protect you in your purchase, for instance, you will be advised to have a home inspection conducted on your home of choice to ensure there are no hidden defects in the home. This is a cost beared by the purchaser so budget between 500-800 for this inspection. There are also financing conditions, water tests, and other conditions that may need to be satisfied before your purchase is finalized. Your agent will assist you in booking and taking the steps to meet any conditions put in place. Your agent will help you to pick a price, based on comparable sales in the area, and will take care of negotiating with the seller so that you pay the best price possible for your new home!

Once all the conditions have been satisfied and you are confident in your purchase, your sale will be firmed. At this point all documents are forwarded by your realtor ® to your lawyer of choice for finalization. Your lawyer will contact you about 10 days prior to possession to sign any documentation needed on their end.
This is a good time to be calling service providers to ensure utilities are hooked up on time, and finalizing your home insurance policy for possession date. Your Rocky Mountain House Homes for Sale associate will remind you of these details along the way.
Here we are…the big day, moving day! If everything goes well between all parties, funds will be transferred from the lender to your lawyer, who will forward funds to the seller’s lawyer, at which point the keys are considered releasable and your agent will get the phone call indicating possession can take place. This usually happens by noon on “closing day”. Your associate will phone you as soon as this happens and meet you at your new home with your keys!

It’s a good idea to do a “walk through” of the property the day before possession with your realtor ® to ensure that everything looks as it did when you wrote your offer. You also have 24 hours after possession to ensure everything is in working order, so it’s a good idea to turn on the oven, run the washing machine and dryer through a cycle etc.
Moving is a lot of work, so you probably won’t hear from your agent for a few days just to give you time to settle in, but expect a follow up call just to see how your doing and how it feels to own your first home! Quite frankly, at this point in the process your agent will probably be expecting an invite to your house warming, the relationships built during this process are usually long-lasting, don’t be surprised is your realtor ® becomes a close friend after all is said and done 😉
That’s about it in a nutshell…..it pays to hire a knowledgeable and trustworthy Clearwater Realty associate to guide your through this process, and as a buyer…there is no fee to you for utilizing this guidance through the process!
We look forward to helping you find your first Rocky Mountain House Home, we’re here for you every ‘real estate’ step of the way!!