About Keara Gallant

1. **Finances:**

   - Review your budget and determine how much you can afford for a down payment and monthly mortgage payments.

   - Check your credit score and work to improve it if necessary.

   - Get pre-approved for a mortgage to strengthen your buying position.

2. **Determine Needs and Wants:**

   - Make a list of your must-have features in a home, such as number of bedrooms, location, and amenities.

   - Consider additional features that would be nice to have but are not essential.

3. **Research Neighborhoods:**

   - Explore different neighborhoods to find the best fit for your lifestyle and preferences.

   - Consider factors like school districts, commute times, safety, and nearby amenities.

 1.. **Find a Real Estate Agent:**       -Research and interview potential real estate agents who are familiar with the local market.   - Choose an agent who understands your needs and can guide you through the buying process.  

2. **Start House Hunting:**

   - Your agent ( Keara) will send you current listings and listings as they come on the market.

   -Keara will schedule viewings with  personal viewings of interested properties around your schedule or urgency Keara sees fit.

3. **View Properties:**

   - Visit potential homes and take note of their condition, layout, and features.

   - Ask questions about the property's history, maintenance, and any potential issues.

revisit and investigate the community.

1. **Make an Offer:**

   - Work with your real estate agent to craft a competitive offer based on market conditions and the home's value.

   - Include contingencies such as financing, appraisal, and home inspection.

   - Be prepared to negotiate with the seller to reach a mutually acceptable price and terms.

2. **Secure Financing:**

   - Finalize your mortgage application and provide any additional documentation requested by the lender.

   - Review and understand your loan terms, including interest rate, loan amount, and closing costs.

  3 **Home Inspection:**   - Hire a qualified home inspector to thoroughly evaluate the property for any structural or mechanical issues.   - Review the inspection report carefully and negotiate repairs or concessions with the seller if needed.  

4. **Appraisal:**

    - Schedule a home appraisal to ensure the property is valued accurately.

    - Review the appraisal report and address any discrepancies or issues that arise.

5. **Closing Preparation:**

    - Work with your real estate agent and lender to prepare for the closing process.

    - Review closing documents and ask any questions before the closing date.

    - Arrange for homeowners insurance and any necessary utilities to be transferred into your name.

6. ** day before closing**

    - Attend the closing meeting to sign all necessary paperwork and finalize the purchase.

    - Bring a certified cheque or arrange for wire transfer to Lawyers. 

7.**Closing Day:

-wait for the call from Lawyer or Keara that transfers have been processed and home has closed.

    - Receive the keys to your new home and celebrate your successful purchase!