Your Buyer’s Guide

Thinking about buying a home in Windsor? You’ve come to the right place. Christine Moretto’s goal is to help you make smart real estate choices. Buying a new home is a big decision, and there’s a lot you need to know before signing on the dotted line. In this section you’ll find information and advice about every step of the home buying process, from determining how much house you can afford to presenting an offer you can live with.

And when you’re ready to start your real estate search, count on Christine to show you the way. She will help you find the right home, in the right neighbourhood, at the best price.

Preparing to Buy

  • Different Types of Ownership

    Different Types of Ownership

    FREEHOLD, CONDO OR CO-OP? As you embark on your hunt for housing and begin perusing Windsor real estate listings, you will no doubt encounter a strange new lexicon. You’ll encounter words and acronyms like “chattel”, “estoppel” and “MLS”. And when it comes to types of home ownership, the words look a bit more familiar, but the…

  • Understanding Different Market Conditions

    Understanding Different Market Conditions

    HOW REAL ESTATE DEMAND IMPACTS YOUR BUYING STRATEGY Think back to high school economics. Remember those lessons on the laws of supply and demand, and how you swore you’d never need to know that stuff in the real world? Well, if you’re looking to buy a house, it could come in handy in the Windsor…

  • First Time Home Buyer’s Advantage

    First Time Home Buyer’s Advantage

    THE OWNING ADVANTAGE Two out of three Canadian families own a house – that’s one of the highest rates of home ownership in the world. And for good reason. Real estate is a great investment. And with increasing housing prices, it’s all the more important for first-time buyers to get a foot on the first rung of the property…

Organizing Your Finances

  • Preparing for a Down Payment

    Preparing for a Down Payment

    HOW MUCH WILL I INITIALLY NEED? You will need enough funds to cover your down payment and closing costs, as well as the remaining balance on the cost of the home. This can be sourced through financing or other means. A LARGER DOWN PAYMENT MEANS GREATER SAVINGS The money you pay up-front for a house…

  • Getting Pre-Approved

    Getting Pre-Approved

    WHY SHOULD I APPLY FOR A MORTGAGE PRE-APPROVAL? If you get pre-approved for home financing, you will: Save time by knowing what you can spend* on a home before you start looking Be protected against interest rate increases while you shop Increase your comfort level when shopping for a home GET PRE-APPROVED BEFORE SHOPPING, NOT…

  • Knowing What You Can Afford

    Knowing What You Can Afford

    HOW HIGH WILL MY MONTHLY MORTGAGE PAYMENTS BE? Knowing your affordable price range will bring your house hunting into focus. How much of a house you can afford depends on three things: How much you can afford for the monthly mortgage payment How much of the down payment you have available The amortization, or length…

  • Preparing Your Credit

    Preparing Your Credit

    An important step in securing mortgage financing is the credit check. As a routine part of the application process, the lender will order a copy of your credit bureau report. ACCESS YOUR CREDIT REPORT Because a credit report contains information about you, you have a right to inspect a copy of it. Equifax, one of…

Viewing Homes

  • Choosing a Neighbourhood

    Choosing a Neighbourhood

    When it comes to Canadian real estate we’re fortunate to have clean, livable cities, neat and attractive subdivisions, and neighbourhoods that are ideal places to live, work and play in. When it comes to finding the right community for you, it’s not so much a matter of finding a good community, as picking the best…

  • Ten House Hunting Tips

    Ten House Hunting Tips

    HIRE A REAL ESTATE AGENT Engage the services of a Royal LePage agent. As residential real estate experts, their wealth of experience, technical know-how and familiarity with the community will be invaluable, and is by far the most important house hunting tip you can employ. GET A PRE-APPROVED MORTGAGE Before you even consider looking at…

  • How Your Realtor Helps

    How Your Realtor Helps

    Think of your sales representative like a wilderness guide. Just as the wilderness guide keeps you on the right path and away from danger on a backwoods adventure, your real estate agent expertly navigates you through the complicated areas when buying a home and steers you clear of costly pitfalls. In order to practice real…

  • What to Look for at Open Houses

    What to Look for at Open Houses

    You’ve found a gorgeous home, in the right neighbourhood, at the right price, and it’s finally time to tour the open house. You are already picturing it as your own, and as you flit from room to room, you are mentally decorating and arranging your furniture. Slow down and take a deep breath! Did you…

Making an Offer

  • Elements of an Offer to Purchase

    Elements of an Offer to Purchase

    Putting it in Writing for the Seller After much deliberation, you have finally selected the home of your dreams. What now? Do you knock on the seller’s door with a sack full of cash and demand the keys? Not quite. Buying real estate isn’t like buying a pack of gum down at the variety store.…

  • Hiring a Legal Professional

    Hiring a Legal Professional

    Why You Need a Real Estate Lawyer When it comes to complex legal documents, it takes a pro to decode the legalese and ensure that the letter of the law is working to protect you and your finances. And when it comes to real estate transactions, there are plenty of those complex legal documents to…

  • Inspections and Appraisals

    Inspections and Appraisals

    Buying a home without having a professional house inspection is a little like buying a car when all you’ve done is kicked the tires. You need an expert to ‘look under the hood’ and find out if the home you fell in love with is really a peach, or if it’s a lemon. Think of…

  • The Basics of Negotiating

    The Basics of Negotiating

    So, you search high and low and finally settle on the house you want to call home. You sit down with your real estate agent and hammer out the fine points of the deal. The offer to purchase is typed, your agent presents your offer to the seller, and… oh no! Rejected! The nerve! Try…

Finalizing The Purchase

  • Land Transfer Tax

    Land Transfer Tax

    “In this world nothing is certain but death and taxes.” Ben Franklin knew that inevitability back in the 18th century. You didn’t really think you were going to get away purchasing something as valuable as a house without taxes grabbing a little of the action, did you? Of course not. The only question is how…

  • Closing Costs to Consider

    Closing Costs to Consider

    Buying a home can be hectic. You’re coordinating meetings, arranging for financing and the house inspection, and making moving plans – all this and more on top of your usual responsibilities. It can seem like you’re being pulled in a million different directions as you approach closing day and prepare to move into your new…