I am exclusively working as a Buyer's Agent so that buyers can have the best representation and information available to them at all times.

Questions?  Ready to hire me to represent you?  Please contact me at mike@findcalgary.com or 403.554.2284

Looking forward to hearing from you!
 

Before you start shopping...

#1 Get pre-approved prior to shopping (not pre-qualified)
Visit your financial or lending institution prior to home buying. Quickly, you’ll know the amount of mortgage you’ll receive. Be sure to get a mortgage commitment in writing. Most importantly, you’ll tell sellers that you are a serious prospect. You’ll have less negotiating power if you have to wait for mortgage approval.

#2 Develop a needs vs. wants list
Now that you know how much of a mortgage you are approved for, develop a list.  Begin with items you really need like adequate space, garage and number of bedrooms. For most people, basic needs should be considered first. After that, you could consider additional desires, if you can manage these benefits financially.  Also be sure to consider your future needs as it may be less expensive to meet these needs now, rather than moving up a few years later. 

#3 Be aware of your hidden costs
There is more to a home than simply the mortgage. You will be responsible for other items including mortgage insurance, appraisal fees, legal fees, inspection fees, transfer taxes, title insurance, inspections, etc.  Preparing for this in advance will save you from surprises.

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Buying Guides

6 Mistakes to Avoid When Trading Up to a Larger Home

6 Mistakes to Avoid When Trading Up to a Larger Home Unlike the experience of buying a first home, when you're looking to move-up, and already own a home, there are certain factors that can complicate the situation. It's very important for you to co ... more

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6 Must-Know Mortgage Facts

6 Things You Must Know About Mortgages Before You Buy Mortgage regulations have changed significantly over the last few years, making your options wider than ever. Subtle changes in the way you approach mortgage shopping, and even small differences ... more

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8 Simple Secrets to Avoid Costly Mistakes Buying Your Dream Home

8 Simple Secrets to Avoid Costly Mistakes Buying Your Dream Home So you've finally decided to buy your next home. Problem is while you were making up your mind, other fence sitters jumped into the home market too. Now you may be facing some competit ... more

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9 Buyer Traps to Avoid

9 Buyer Traps and How to Avoid Them No matter which way you look at it buying a home is a major investment. For many homebuyers however, it can be an even more expensive process than it needs to be because many fall prey to at least a few of the man ... more

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How Much are Closing Costs?

How Much Should I Expect to Pay on Closing Costs? Whether you're looking to buy your first home, or trading up to a larger one, there are many costs – on top of the purchase price – that you must figure into your calculation of affordabi ... more

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How to Stop Paying Rent

Stop Paying Rent – A guide to becoming a homeowner rather than a home-renter From basement suites to full houses, renting is a huge business in this country. If you currently rent, you know that paying out those hundreds of dollars every month ... more

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Save Thousands When Buying

Saving Money – A guide to saving thousands of dollars when buying a home Buying a home is one of the most expensive purchases you'll ever make, and by following some simple guidelines you can stand to save thousands of dollars. If you're like ... more

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