ideal  (aɪˈdɪəl)
     adjective
          - of the highest quality or excellence
     noun
          - a pattern or model of ethics

Ideal Home Financing

Mortgage Team

 

Office: 780-628-6451
Fax: 780-628-6681
Toll Free: 1(855)85-IDEAL (43325)

 

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Buy A New Home
Home Buying Process
Documentation Required
No Down Payment
First Time Home Buyer
Self Employed
Credit Issues
FAQ's
Questions To Ask Your Broker

Buying

Let us help you every step of the way. When looking to buy Edmonton real estate, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home.

 

It is not always an easy task to find a home, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with your home-purchasing goal, the rewards are unquestionable.

 
While at your side each step of the way, we will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own.

Your First Step

Your first step to buying a home is to ask yourself why you want to buy a home. To stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."
 
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.
 
Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.

Your Next Step: Loan Pre-Qualification

Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with an Edmonton mortgage broker. A mortgage broker can take your application one time, but deals with every bank and sends your application to the bank that will approve your home financing and give you the lowest interest rate.
 
This is a simple process that can be done when you call us at (780) 628-6451 and we can get the information on the phone or set up an appointment to meet to discuss your needs. You can also apply online in a matter of only a few minutes!

Find The Right Homes For You

Once you've been pre-qualified and know what price range you want to stay in, you can start looking for the right home for you.

 

Start that search at ForSaleNow.org where you will find: 

  • All homes for sale in Edmonton listed on the MLS® but with over 300% more information
  • The most advanced home search tools available on the internet
  • Multiple pre-defined searches for the most popular criteria
  • A list of all foreclosures and fixer-uppers to get the best deal
  • It’s free to use and once you find a home you like you can click ‘Contact About This Listing’ to take the next step

Go to view the properties that interest you

Contact a Realtor to act as a buyers representative on your behalf when buying a home.

 

  • A Buyers Agent is bound by fiduciary duties to represent YOUR best interest only. Not the interest of the seller.
    Thereby ensuring the best possible outcome for the buyer.
  • A buyers agent is paid by the seller NOT the buyer. There is no cost to the buyer for this service.
    Why wouldn’t you choose to have professional representation at absolutely NO ADDITIONAL COST to you.
  • A qualified buyers agent has knowledge of the local market conditions and nuances and can be of great value
    to a buyer that is not familiar with a certain area or the details of completing a successful transaction.
  • A buyers agent will guide you through the buying process and work on your behalf facilitating inspections,
    contract compliance, full disclosure and coordinate the closing with the attorney, avoiding delays and potential legal issues.
  • A Buyers Agent will work diligently to find a home that meets your specific criteria. The agent will do all the searching and filtering for you, saving you time and money.
  • Your agent will provide you with easy access to showing appointments and assist you in evaluating the properties
    of your choice.
  • Since the economic breakdown of 2008 using a Buyers agent has never been more valuable to the buyer. Buying
    foreclosures and REO properties are now a very risky game for the buyer. All properties are sold AS IS and require
    a good amount of due diligence to confirm their true value and protect the buyer from situations they may not be
    familiar with in such an untraditional marketplace.
  • Remember, an agent works on commissions and does not get paid if they fail to complete their job duties.

 We can refer you to a buyers agent to help you with this step if you do not have a buyers representative.

We Will Help You Every Step Of The Way

We will help you complete your financing and close on the transaction. Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.
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