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359Buyerâs Guide</a></li></ul></div></div> <div class="mainWrapper row" id="contentId_1632213349955"><div class="row sect"><div class="container"><div class="grid-row"><div class="col-left-l"><div class="contentBlock myBlock _customContent" id="cBlock_1632914835743"><div style="position: relative;"><p>As your personal guide and trustworthy agent, I strive to give you the best of the best. In the years that Iâve spent in the industry, homebuyers have always asked me âWhat do I need to do when I buy a house?â. Iâve composed a step-by-step guide that organizes the buying process to make buying a house simple and fun!<br><br></p><h1><strong>Step 1: Decide to Buy </strong></h1><p>Before you even go looking for a home, you have to understand your needs. Think about the type of place youâre looking for. Are you looking for a lot of bedrooms and washrooms for your family? Do you want a pool in the backyard? Do you want to live close to a school or a mall? These are just some of the things you have to consider before start looking for a new home.</p><p>You also have to familiarize yourself with different types of ownership as well to help narrow down the perfect home. Freehold is when itâs all yours, a condo is when you take care of the inside and pay your fees to an association, and co-op is similar to a condo but you rent a unit in the building and pay maintenance and repair fees.</p><p>Once you have narrowed down some qualities, its time to go looking for a home!<br><br></p><h1><strong>Step 2: Hire an Agent</strong></h1><p>There are thousands of real estate agents how do you chose one thatâs right for you?</p><p>You have to pick carefully. They will be acting as your representative and you will need someone to look out for your best interests. You will need someone that you can trust and someone who understands what you want.</p><p>There are a few ways to look for your perfect Realtor, such as:</p><ul style="margin-left: 40px;"><li>Jot down some names and numbers that you find on âFor Saleâ signs</li><li>Ask friends and family for a recommendation</li><li>Visit one of the local offices in your area</li></ul><p>They have to be a trained professional who knows your area inside out. A great agent is someone who offers you quality services to help you accomplish your goal.</p><p><br></p><h1><strong>Step 3: Find your Home</strong></h1><p>There are many ways of finding that dream home! First, before you go shopping you have to make sure you are also financially ready. Make sure to have a budget when you go shopping. You can use my very handy affordability calculator by clicking <a data-cke-saved-href="mortgage-affordability-calculator" data-local-href="mortgage-affordability-calculator" href="mortgage-affordability-calculator">here</a>. </p><p>One thing to keep in mind is your down payments. This is a percentage of the total cost of a home that youâll need to pay. The more money you put down, the more youâll save on monthly payments and cost of borrowing. Another important aspect is getting pre-approved for a mortgage. When the lender approves you for a mortgage, it gives you an idea of how much you can afford to buy your new house.</p><p>Keeping these things in mind, you are free to go window shopping! You can go searching for houses according to the different neighbourhood surrounding you, check newspaper listings, websites, or even drop by any open houses that are being held in your area. Looking for houses can be really fun and exciting! You can browse listings using the smart listings search on my website, <a data-cke-saved-href="property-search" data-local-href="property-search" href="property-search">here</a>.</p><p><br></p><h1><strong>Step 4: Make an Offer Now</strong></h1><p>Now that youâve found the house that you are set on, itâs time to make an offer. Not all offers are the same and hereâs where your real estate agent comes in. They will help you with specific terms and conditions that will be specified in the offer like the price you want to pay, financing conditions, or other things like inclusions and exclusions.<
359/p><p>Not only is it about the price of the house but you have to carefully look at the other details included in this sale. Appliances, chandeliers, or even minor renovations can also be part of the deal. Shorter or longer closing dates can also be specified in the offer.</p><p>If there is something in the offer that doesnât satisfy the seller, counter offers or negotiations can also be presented to help get a price that you think is fair.</p><p><br></p><h1><strong>Step 5: Close the Sale</strong></h1><p>There will be closing costs associated with the sale that need to be paid either by or on the closing date. It can include mortgage application fees, inspections, and legal fees. But once thatâs taken care of, you get your new house.</p><p>Congrats, welcome to your new home! Youâre all ready to move in!</p></div></div></div><div class="col-right-s"><div class="contentBlock myBlock" id="wBlock_1641143833715" default-color=""><span class="iconWrapper"><div class="colorChange icon_style3 noBg icons-16481214766"><span> <a href="mortgage-calculator" title="Mortgage" target="_parent"><span class="_iconSpan"><i class="w4r-icon3-14"></i></span><h3>Mortgage</h3><p class="_iSubtext">Calculator</p></a></span></div></span></div><div class="contentBlock myBlock" id="wBlock_1641144714308" default-color=""><span class="iconWrapper"><div class="colorChange icon_style3 icons-1641144714308"><span> <a href="cmhc-insurance-calculator" title="CMHC Insurance" target="_parent"><span class="_iconSpan"><i class="w4r-icon3-5"></i></span><h3>CMHC Insurance</h3><p class="_iSubtext">Calculator</p></a></span></div></span></div><div class="contentBlock myBlock" id="wBlock_1641144813284" default-color=""><span class="iconWrapper"><div class="colorChange icon_style3 icons-1641144813284"><span> <a href="land-transfer-tax-calculator" title="Land Transfer Tax" target="_parent"><span class="_iconSpan"><i class="w4r-icon3-15"></i></span><h3>Land Transfer Tax</h3><p class="_iSubtext">Calculator</p></a></span></div></span></div><div class="contentBlock myBlock" id="wBlock_1641144923573" default-color=""><span class="iconWrapper"><div class="colorChange icon_style3 icons-1641144923573"><span> <a href="mortgage-affordability-calculator" title="Affordability" target="_parent"><span class="_iconSpan"><i class="w4r-icon3-9"></i></span><h3>Affordability</h3><p class="_iSubtext">Calculator</p></a></span></div></span></div></div></div></div></div></div> <div class="mainWrapper row" id="contentId_164716157406"><div class="row sectionTitle"><h2 class="title-161227111532212">Start Your Home Search</h2></div><div class="row sect section-16122711151490 _contentWidth" id="width-16122711151490"><div class="container content-16122711151490"><div class="grid-row"><div class="col-12 fullWidth"><div class="contentBlock myBlock" id="wBlock_161227111444817" default-color=""><div class="cSearchbar searchbar-161227111444817"> 360 <div 361 data-idx-component="W4RSearchBarComponent" 362 data-idx-props="{"searchbarwidget":1,"searchmode":"buy","defaultsearchBy":"city","displayoption":"Y","imgwig_type":"single","w4r_photo_width":"100","userImg_unit":"%","w4r_photo_align":"center","w4r_photo_border":"solid","w4rphoto_border_color":"#4b4e52","idx_viewAll_width":"10","idx_viewAll_align":"left","idx_viewAll_font_size":"15","button_location":"above","arrow_location":"above","arrow_align":"left","ColumnCount":"1","search_hide_unselected_listings":"","ShowCount":"all","testimonial_raiting":"all","sortOrder":"Random","testi_source":"yes","reviewer_thumbnail":"yes","display_date":"yes","without_raiting":"yes","without_description":"no","load_more":"yes","yesNo":"on","index_file":"yes","buyrent":["buy","rent"],"sub_buy":["Commercial","Condominium","Residential"],"BuyType_Commercial":["Commercial\/Retail","Farm","Industrial","Investment","Land","Office","Sale Of Business","Store W\/Apt\/Office",""],"BuyType_Condominium":["Co-Op Apt","Co-Ownership Apt","Comm Element Condo","Condo Apt","Condo Townhouse","Det Condo","Leasehold Condo","Locker","Other","Parking Space","Semi-Det Condo","Time Share","Vacant Land Condo"],"BuyType_Residential":["Att\/Row\/Twnhouse","Cottage","Detached","Duplex","Farm","Fourplex","Link","Mobile\/Trailer","Multiplex","Other","Rural Resid","Semi-Detached","Store W\/Apt\/Office","Triplex","Vacant Land"],"sub_rent":["Commercial","Condominium","Residential"],"RentType_Commercial":["Commercial\/Retail","Farm","Industrial","Investment","Land","Office","Sale Of Business","Store W\/Apt\/Office"],"RentType_Condominium":["Att\/Row\/Twnhouse","Co-Op Apt","Co-Ownership Apt","Comm Element Condo","Condo Apt","Condo Townhouse","Det Condo","Leasehold Condo","Locker","Other","Parking Space","Room","Semi-Det Condo","Upper Level","Vacant Land Condo"],"RentType_Residential":["Att\/Row\/Twnhouse","Cottage","Detached","Duplex","Farm","Fourplex","Link","Lower Level","Mobile\/Trailer","Multiplex","Other","Room","Rural Resid","Semi-Detached","Store W\/Apt\/Office","Triplex","Upper Level","Vacant Land"],"totalbuyoptions":"37","totalrentoptions":"40","sub_totalrentoptions":"43","sub_totalbuyoptions":"40","countClassType":"3","listing_filter_type":"2","newmarket_w4rlistings":"Y","w4rlistings_feed_id":"39","show_newmarket_objects":"39","expandlistingType":"no","w4rauto_users_config_w4rlistings":"1","cntfilterfield":0,"cListing":"2","layout":0,"listing_group":"My Listings","showsearch":"on","selectedoption":"city"}" > 363 </div> 364 </div></div></div></div></div></div></div></div> 365<input type="hidden" id="idxListingWidget" value="">
366<input type="hidden" value="0" name="cntSearchWidgets" id="cntSearchWidgets" /> 367<input type="hidden" value="15" name="cntmapsection" id="cntmapsection" /> 368<input type="hidden" value="1" name="uniquecurrentsectionid" id="uniquecurrentsectionid" /> 369</section> 370 371<footer class="row footer-content "> 372 <div class="row footer-container"> 373 <div class="footer_Cwrapper "> 374 <div class="col-6" id="fl_ContactInformation"> 375 <div class="f-agent-info"><div class="col-5"><span class="agentSmallPhoto agnt_bg_img" style="background-image:url(https://d101qgvxw5fp3p.cloudfront.net/site/99004921/assets/uploads/agentphoto/webphoto_03082021122910.png);"><img src="https://d101qgvxw5fp3p.cloudfront.net/site/99004921/assets/uploads/agentphoto/webphoto_03082021122910.png" alt="Derek Cardona"/></span></div><div class="col-7"> 376 <h3>Derek Cardona</h3> 377 <p>Sales Representative</p><span class="w4r_f_contact_info "><p class="minfo_brokrg">Right at Home Realty </p><p>#30 - 480 Eglinton Ave. W., Mississauga, ON, L5R 0G2</p><p class="i"><!--googleoff: all--><span class="goff-e"> <i class="ico-email_icon_2" title="Email"></i></span><!--googleon: all--><a href="mailto:[email protected]">[email protected]</a></p><p class="i"><!--googleoff: all--><span class="goff-m"> <i class="ico-iphone" title="Mobile"></i></span><!--googleon: all--><a href="tel:4166029909">(416) 602-9909</a></p><p class="i"><!--googleoff: all--><span class="goff-o"> <i class="ico-phone_icon_3" title="Phone"></i></span><!--googleon: all--><a href="tel:9055659200">(905) 565-9200</a></p><p class="i"><!--googleoff: all--><span class="goff-f"> <i class="ico-fax" title="Fax"></i></span><!--googleon: all-->(905) 565-6677</p></span> 378 <div class="socialSet fcontct_sIcon socialSet rnd-cor vire"><a rel="nofollow" href="https://www.instagram.com/derekcardona" target="_blank"><i class="ico-instagram"></i></a></div> 379 </div> 380 </div> 381 </div><div class="col-6" id="fr_Pages"> 382 <nav class="footer-nav"> 383 <h3>Usefull Links</h3> 384 <ul><li><a class="elmNav " href="https://derekcardona.com/contact" title="Contact">› Contact</a></li><li><a class="elmNav " href="https://derekcardona.com/services" title="Services">› Services</a></li><li><span class="elmNav nocallback " title="About ">› About </span></li></ul> 385 </nav> 386 </div> </div> 387 </div> 388 389 <div class="row copyright "> 390 <div class="container"> 391 <div class="col-4 a"> 392 <a class="brandOwner" href="https://web4realty.com/?utm_campaign=https%3A%2F%2Fderekcardona.com&utm_medium=footer&utm_source=user_website" target="_blank"><img src="https://derekcardona.com//assets/images/logo-W4R-white-400X108.png" alt="Web4Realty"></a> 393 </div> 394 <div class="col-4 b"> 395 </div> 396 <div class="col-4 c"> 397 <a href="https://web4realty.com/?utm_campaign=https%3A%2F%2Fderekcardona.com&utm_medium=footer&utm_source=user_website" target="_blank"> Real Estate Websites by Web4Realty</a> | <a href="https://derekcardona.com/admin">Agent Login</a> 398 399 400 <p class="_termsOfUse"><span class="elmflinks termsBtn">Terms of Use & Privacy</span></p> 401 <div style="display:none !important;" id="board_website_terms"><h4>General Terms of Use</h4><p>Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern this siteâs ownerâs relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.</p> 402 <p>Listing Data were last updated: 2026-09-27 02:55:22</p> <p>Listing Objects were last updated: 2026-09-27T04:06:22.761685Z</p> 403<h4>Terms of Use & Privacy</h4> 404<ul> 405<li>The content of the pages of this website is for your general information and use only. It is subject to change without notice.</li> 406<li>Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.</li> 407<li>Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.</li> 408<li>This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than
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429cookies do not collect personally identifiable information and we do not combine information collected through these cookies with other personally identifiable information to tell us who you are or even what your email address is.</li> 430<li>We may provide statistical "ratings" information, never information about you personally, to our partners about how our clients and visitors, collectively. We do this so they too can understand how much people use their areas and our website in order for them to provide you with the best possible Web experience.</li> 431<li>We will only transmit or ask for personal information over secure Internet connections, using SSL (Secure Sockets Layer) encryption, the currently accepted standard for online security, and security keys.</li> 432<li>We may use your information to let you know of additional products and services which you might be interested. We may ask you for information about your interests so that both you and we can take advantage of the interactivity of the online medium, but you may always choose to respond or not, or opt out of future mailings.</li> 433<li>We will not share your personal information to any third party, unless requested in response to legal processes, such as a court order or subpoena.</li> 434<li>Whenever personal information about you is stored on our computers, that information is password-protected from unauthorized access or use. In addition, this information is kept on servers that are located behind a firewall.</li> 435<li>This website may contain links to other websites. We are not responsible for the privacy practices or the content of such websites.</li> 436<li>If we elect to change our privacy policy, you will be notified, and we will post those changes here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.</li> 437</ul> 438 </div> 439 </div> 440 </div> 441 <div class="container footer_realtorMsg"> 442 <div class="col-12 fullWidth"> 443 <div class="container realtorDescl_container below"> 444 <div class="realtorDescl_text"><p>IDX information is provided exclusively for consumersâ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS®.</p></div><div class="realtorDescl_image"><img src="https://dqf0wbfs64lob.cloudfront.net/73/logos/logo.jpg" alt="´"></div> </div> 445 </div> 446 </div> 447 448 </div> 449 450 </footer> 451 <div class="sitePowerbyPrint printOnlyDiv"> 452 <p><img src="https://derekcardona.com//assets/images/Logo-Master-color.svg" alt="Web4Realty" style="width:300px; display:inline-block;"></p> 453 <p>Real Estate Websites by <strong>Web4Realty</strong></p> 454 <p style="text-decoration:underline;">https://web4realty.com/</p> 455 </div> 456 <div class="myOverlay"></div><div id="_privacy"><button id="pfullScreen" class="pfullsc fsAnchorButton" title="Full Screen"><i class="ico-fullscreen"></i></button><button id="exitFscreen" class="pfullsc fsAnchorButton" title="Exit Full Screen"><i class="ico-fullscreen_exit"></i></button><button class="pclose fsAnchorButton" title="Close"><i class="ico-cross3"></i></button><h3></h3><div id="privacycontent"></div></div> 457 458 459 460 461 462 </section> 463 </div> 464 465<input type="hidden" value="CA" name="address_country_code" id="address_country_code" > 466<input type="hidden" value="1" name="w4rauto_users_config_w4rlistings" id="w4rauto_users_config_w4rlistings" > 467<input type="hidden" value="73" name="w4rauto_w4r_listings_feed_id" id="w4rauto_w4r_listings_feed_id" > 468 469<input type="hidden" value="" name="w4r_setUrlPath" id="w4r_setUrlPath" > 470
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512 513 514 515 516 517 <div class="fcta_buttons fcta_onebtn "> 518 <a class="fcta_left a" href="tel:" ><i class="ico-w4r_call2"></i><span>phone</span></a> 519 </div> 520 <div class="fcta_buttons_wrap"></div> 521<button class="pageUp _pc_ _mobile_" > <i class="ico-up-arrow-thick"></i></button> 522 523 524<div id="save_listing_popup" class="pophide newuiPopup plain noPadding onMheading" style="display: none;"> 525 <div class="panelInner"> 526 <header class="a"><h3><i class="ico-uicon-saved-search"></i>Save Listing Search</h3></header> 527 <form id="save_listing_form"> 528 <div class="form-controls f noMargin"> 529 <label>Name</label> <input type="text" value="" placeholder="Give your search a name..." 530 class="validate[required]" data-validation-engine="validate[required]" data-inside="yes" 531 id="nametemp" data-errormessage-value-missing="Give your search a name." 532 data-errormessage-custom-error="Give your search a name." /> 533 </div> 534 <div class="form-controls stay"> 535 <label class="fsCheck w4r_checkbox active"><i class="ico-checkmark"></i> 536 <input type="checkbox" name="send_alert" value="1" class="hidden" checked> 537 <i class="ico-bell-o2 nh ico-small"></i> Send me emails with new listings matching this search. 538 </label> 539 </div> 540 <footer class="right-txt edgy"> 541 <button type="submit" class="btn" id="save_listing_btn">Save Listing Search</button> 542 </footer> 543 </form> 544 </div> 545</div> 546<!-- 547 Code to get api keys of waiter & livechat 548 --> 549 550<!-- waiter snippet --> 551<!-- loading snippet --> 552<!-- saaschat snippet --> 553<!-- loading snippet --> 554
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