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257<li  class=" imgNot" id="w4r748"><a class="elmNav "  href="https://derekcardona.com/top-dollar-fast"  title="Top Dollar Fast"><span class="nv_text">Top Dollar Fast</span></a></li><li  class=" imgNot" id="w4r743"><a class="elmNav "  href="https://derekcardona.com/soldview"  title="SoldVIEW"><span class="nv_text">SoldVIEW</span></a></li><li  class=" imgNot" id="w4r617"><a class="elmNav "  href="https://derekcardona.com/free-home-evaluation"  title="Free Home Evaluation"><span class="nv_text">Free Home Evaluation</span></a></li></ul></li><li class="drop-menu  " id="w4r625"><a class="elmNav nocallbackClass  "   title="Mortgages" ><span class="nv_text">Mortgages </span></a><i class="ico-right-arrow-thin grey"></i><ul class="prehNav pull-right  _  " data-type="" data-space="___" data-imgwidth="auto"><li  class=" imgNot" id="w4r615"><a class="elmNav "  href="https://derekcardona.com/mortgage-hub"  title="Getting a Mortgage"><span class="nv_text">Getting a Mortgage</span></a></li><li  class=" imgNot" id="w4r626"><a class="elmNav "  href="https://derekcardona.com/mortgage-rate-comparison"  title="Mortgage Rate Comparison"><span class="nv_text">Mortgage Rate Comparison</span></a></li><li  class=" imgNot" id="w4r627"><a class="elmNav "  href="https://derekcardona.com/mortgage-rates-chart"  title="Mortgage Rates Charts"><span class="nv_text">Mortgage Rates Charts</span></a></li></ul></li><li class="drop-menu  " id="w4r620"><a class="elmNav nocallbackClass  "   title="Calculators" ><span class="nv_text">Calculators </span></a><i class="ico-right-arrow-thin grey"></i><ul class="prehNav pull-right  _  " data-type="" data-space="___" data-imgwidth="auto"><li  class=" imgNot" id="w4r621"><a class="elmNav "  href="https://derekcardona.com/mortgage-calculator"  title="Mortgage Calculator"><span class="nv_text">Mortgage Calculator</span></a></li><li  class=" imgNot" id="w4r622"><a class="elmNav "  href="https://derekcardona.com/cmhc-insurance-calculator"  title="CMHC Insurance Calculator"><span class="nv_text">CMHC Insurance Calculator</span></a></li><li  class=" imgNot" id="w4r623"><a class="elmNav "  href="https://derekcardona.com/land-transfer-tax-calculator"  title="Land Transfer Tax Calculator"><span class="nv_text">Land Transfer Tax Calculator</span></a></li><li  class=" imgNot" id="w4r624"><a class="elmNav "  href="https://derekcardona.com/mortgage-affordability-calculator"  title="Mortgage Affordability"><span class="nv_text">Mortgage Affordability</span></a></li></ul></li><li class="drop-menu  " id="w4r687"><a class="elmNav nocallbackClass  "   title="About " ><span class="nv_text">About  </span></a><i class="ico-right-arrow-thin grey"></i><ul class="prehNav pull-right  _  " data-type="" data-space="___" data-imgwidth="auto"><li  class=" imgNot" id="w4r614"><a class="elmNav "  href="https://derekcardona.com/services"  title="Services"><span class="nv_text">Services</span></a></li></ul></li><li class=" " id="w4r616"><a class="elmNav  "  href="https://derekcardona.com/contact"  title="Contact" ><span class="nv_text">Contact</span></a></li>                                </ul>
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341
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348          
349          <div class="agent_info">
350            <h2><span>Derek Cardona				<p>Sales Representative</p>               
351              </span></h2>
352               <p><strong>Right at Home Realty </strong></p>            <ul>
353              <li><i class="ico-iphone ico-medi"></i><span><a href="tel:4166029909">(416) 602-9909</a></span></li><li><i class="ico-phone3 ico-xsmall"></i><span><a href="tel:9055659200">(905) 565-9200</a></span></li><li><span><i class="ico-fax2"></i>(905) 565-6677</span></li>              
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358</div>
359 <div class="row banner-inner" id="page-title"><div class="container"><h2>Buyer’s Guide</h2><ul class="breadcrumb"><li><a href="https://derekcardona.com">Home</a></li><li><a href="buyers-guide">
359Buyer’s 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 I’ve spent in the industry, homebuyers have always asked me “What do I need to do when I buy a house?”.&nbsp;I’ve 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&nbsp;</strong></h1><p>Before you even go looking for a home, you have to understand your needs. Think about the type of place you’re 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 it’s 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 that’s 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 “For Sale” 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>.&nbsp;</p><p>One thing&nbsp;to keep in mind is your down payments.&nbsp;This is&nbsp;a percentage of the total cost of a home that you’ll need to pay. The more money you put down, the more you’ll 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 you’ve found the house that you are set on, it’s time to make an offer. Not all offers are the same and here’s 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 doesn’t 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 that’s taken care of, you get your new house.</p><p>Congrats, welcome to your new home! You’re 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"> 
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506    $(".firstTabLink").each(function(){
507        let id= $(this).attr('data-id');
508        let tabValue= $(this).attr('data-value');
509        $(this).click();
510    });
511  });
512</script>
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
555<script>
556  isLiveChatEnabled = 0</script>
vendor: 1 bytes, line 556
556
557<script>
558//this function to set min height of content to place footer always at bottom..
559function setWrapper_min_height(){try{var e=document.querySelector(".footer-content"),t=document.querySelector(".us_preheader"),i=e.offsetHeight,n=t ? t.offsetHeight : 0;if(t&&e){var o=i+n,r=window.innerHeight-o,c="",d="",s="",a=document.querySelector(".setwrapMinHeight");if(a)c=".setwrapMinHeight{min-height:"+(window.innerHeight-a.offsetTop-i-223)+"px;}";var h=document.querySelector(".favoriteListingsList");if(h)s=".favoriteListingsList{min-height:"+(r-h.offsetTop+10)+"px;}";if(document.querySelector(".listingMain"))d=".listingMain{min-height:"+(r-433)+"px;}";var m=document.querySelector(".min_height_injection");m&&m.remove(),500>r&&(r=500);var u="@media screen and (min-width: 1024px) and (max-width:5000px) {"+s+c+d+"}",f=document.createElement("style");f.classList.add("min_height_injection"),f.innerHTML=u,document.body.appendChild(f)}document.querySelector(".footer-content").style.display="block";}catch(err){}}
560setWrapper_min_height();
561</script>
561
562</body>
563<input type="hidden" id="listingPortal_status" value="0">
564<input type="hidden" id="show_contact_form_status" value="0">
565</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.