Register as a Preferred Client

Preferred Clients have exclusive access to thousands of additional properties, ability to watch for new listings and receive automatic notifications.
In order to access these features we must first verify your identity. By registering you gain access to features that will help you find your next home easier than ever.

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Buying Your Home

Buying a home is an exciting but often overwhelming experience, particularly if you are buying your first home. As your team of REALTORS®, The Grime Team can help you through the home buying process and assure that you find the right home for you, at the right price for you. The Grime Team offers dedicated Buyer Representatives who focus only on the purchasing side of your real estate transaction. That means they are working specifically to protect the interests of you, the Buyer, and not the seller. You can trust that we will do our best to help you purchase your new home for the best price!

Every home buyer has a number of concerns, all of which we can help you with:

Setting a Time Frame

There are a lot of variables in the home-buying process, which means the time it takes to find and buy your new home varies too. A typical home search process may take three to four months, including the mortgage approval process, comparing and evaluating properties, making an offer and the closing process.

The Lending Process

Perhaps one of the most intimidating aspects of buying a home is the mortgage approval process. We'll be here to help guide you through this, but there are many ways you can prepare early to make the process smoother. Start by making sure your budget is under control--make a list of all your monthly expenses, compare it with your income, and see if adjustments need to be made. You should also try to pay off small credit card balances. Start gathering documents you may need, such as income tax returns for the past few years, pay stubs, records of child support or alimony, bank statements for the past several months, and your credit report. Also, be sure to allow for closing costs. Getting several quotes will allow you to compare loans and get the best deal.

Determining How Much You Can Afford

A general guideline to consider is that mortgage payments should be about 26-28 percent of your gross monthly income. Existing debt is also considered in the mortgage process, and total debt payments (car payments, credit cards, student loans, etc.) should not exceed 40 percent of your gross monthly income. Click here to use this easy mortgage calculator to get an estimate of monthly payments.

Finding a Home That Meets Your Needs and Wants

Before you start looking at properties, make a list of "must-have" features along with optional features you'd like to have. "Must-have" features may include the number of bedrooms and bathrooms you'll need to accommodate your family, location (consider commute to work, which schools your children will attend, etc), lot size and special needs (handicapped access, etc). Optional features may include the architectural styling, bay windows, landscaping, etc. Having a clear idea of what you want in a home will help your REALTOR® find the perfect property for you.

Educating yourself about the home-buying process is key to getting a home you love and can afford. As your REALTOR®, we are here to answer any questions you might have and guide you through this process.

If you have questions, or would like more information about buying your next home, please fill out the form below or give us a call at 519-951-5151 or toll free at 1-800-268-2455.

Search for Your Perfect Home

All information displayed is believed to be accurate but is not guaranteed and should be independently verified. No warranties or representations are made of any kind. Not intended to solicit properties currently listed for sale. The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.