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Borden Military DND Relocation Realtor

The majority of Ed Smit’s business is from referrals & he strives to build strong relationships with all of his clients. Ed wants to be your REALTOR® and friends for life!

POSTED CFB Borden? I can help you find the home that is right for you and your family!

BEING POSTED?
I can find and refer you to an agent in the area of your posting that will take care of you and all your Real Estate needs! 

HOW TO BUY A HOME WHEN RELOCATING

Trust the Local Expert

With his extensive military relocation experience and military background, Ed is well equipped to assist you throughout your home-buying process. Ed  maintains an extensive list of DND-approved contacts for lawyers and home inspectors. Our service is designed to make your home-buying, or selling, process as smooth as possible.

When helping you relocate to a new home, we make sure that your top priorities are taken into consideration. For families, nearby schools and other neighborhood features are particularly important. We are happy to provide a list of options that can be tailored to your desired price range. The HomeLife Emerald Realty Team also helps with inspections, negotiations, and closings.

Century 21 Higher Standards™ Sales Representatives Know Communities

Your Local Real Estate Expert

Century 21 sales representatives live and work in the communities of buyers and sellers they represent. As a result, sales representatives know area market conditions, including price and availability and have access to current financing and mortgage rates to help ease the stress associated with buying or selling a home.

Century 21extensive training program also means sales representatives understand the legal complexities associated with a home purchase or sale, including titles, taxes, surveys as well as negotiable parts of a contract — all to help clients secure the best possible terms.

The Power of MLS®

Century 21 sales representatives have access to Multiple Listing Services (MLS), an electronic database which offers a host of information on a property, including detailed property features, real estate taxes, and the recent sale prices of homes — tools that can help determine the true value of a home. MLS® information is updated constantly; sales representatives have access to homes the minute they become listed in the system.

As your search begins, your Century 21 Sales Representative will want to know the answers to these questions:

Where have you selected to live?

What style of home do you wish to buy — Detached, Townhouse, Condo, etc.?

How much mortgage have you been pre-approved for?

Are there any special features or requirements you need in your home?

Based on your answers they will begin showing you house on the market that match those criteria. How quickly you discover the home your dreams will vary greatly, you could find it when you view that first home or you might look at a number of homes with none of them catching your interest. Rest assured, the home you’re looking for is out there, and when you find it, you’ll be ready to make an offer.

Your Century 21 Sales Representative will provide expert advice on how to prepare your offer but ultimately it’s your offer and all the decisions are yours.

Your Century 21 Sales Representative will arrange to have your offer presented to the Seller through the listing agent and advise you if they accept, reject or counter your offer and provide you with good advice you will need to proceed.

If your offer is accepted, the next steps are closing and moving into your new home once all conditions are met. If your offer is rejected and another offer was accepted, then it’s time to continue your search. If you offer is countered, you can accept their counter offer, reject it, or make a counter proposal of your own. Your sales representative will guide through each of these scenarios.

Once your offer has been accepted, your HomeLife™ Sales Representative, will monitor the progression of your offer, ensuring that all conditions are met on time and ensuring things progress properly until closing.

Ed Smit - Borden Relocation AgentEd Smit

Sales Representative
CENTURY 21 B.J. Roth Realty Ltd., Brokerage*

HOUSE HUNTING TRIP WITH HOMELIFE REALTY

Features of Your House Hunting Trip at Borden

  • Our Experienced Local Agents will communicate with you and your family to determine your exact needs.  We can communicate by phone, Skype or email.
  • All new listings that match your criteria will be automatically sent to you.  Follow up communication can further fine tune your needs and requirements.
  • We will book appointments for all of the properties that interest you, coordinate a home showing schedule and provide a list of recommended accommodations for your House Hunting Trip.
  • On arrival in Borden you will be given all the Listings that met your criteria and a List of Home Inspectors and Lawyers to assist in your purchase.
  • We will attend your home inspection with you and schedule two walk-through appointments of your purchased property before the closing date.
  • We can provide The Borden Family Resource Guide, school, recreation, and any other information if required.
Local Relocation Mortgage Broker

Posted to CFB Borden and want to buy and new home? Do you need a personal line of credit or help taking out a home equity loan or HELOC mortgages? At IRP-DND.COM, we want to help. Located in CFB Borden area, we serve Military Clients from across Canada.

We offer a variety of services for our clients, who range from first time home buyers to clients dealing with difficult rental properties and credit situations. With our years of experience in the mortgage business, we’re confident we can help you with your mortgage needs. 

Why Use a Mortgage Broker?
Mortgage Brokers are professionals whose primary knowledge and expertise is mortgages. Rather than working for one financial institution, we are independent and deal with many different financial institutions, including major banks, credit unions, trust companies and private lenders. This allows us to offer you more choices and more competitive rates. It also means our advice is impartial and based on your best interests! While you may not enjoy negotiating with financial institutions, that’s our specialty. We’ll make sure you get the most attractive offer to suit your individual circumstances. • We provide independent advice for you. • We are not tied to one lender exclusively. • You save time with one stop shopping, we deal with over 25 different lenders but work for you. • We negotiate on your behalf. • More choice means more competitive rates. • We ensure you are getting the best rates and terms. • Get expert advice! Our Brokers/Agents are licensed professionals and deal exclusively with home financing. • We provide you with access to special deals and add-ons. • We have access to traditional financing, ‘B’ lending or private financing where required. • No additional costs to you. • We provide you with ongoing support and consultation.
Steps to Obtaining a Mortgage
Step 1  Work with your Local Mortgage Broker  complete a pre-qualification appliacation.  Obtaining a pre-qualification will allow you to be the most prepared for your home buying experience.

Step 2   Home search Once you receive your pre-approved mortgage amount, work with a Real Estate Agent to find the best home for you within your budgeted price range.

Step 3   Make an offer     When you find the home you are interested in, your Real Estate Agent will provide you with the expertise and information you need to make the right offer and protect you from any potential risks or concerns through this process.  Together with your Real Estate Agent you will determine the best conditions to include in the offer; we highly recommend that this includes a financing condition; your Real Estate Agent will likely recommend additional conditions such as a home inspection and other items depending on the property itself.  At this point you will likely be asked to provide a deposit with your accepted offer.

Step 4   Get approved for your mortgage  Once you and the vendor have come to a conditional agreement, you will likely have a certain number of days to waive a financing condition.  For an approval we will require a copy of the accepted offer as well as the MLS listing of the property. While you are already pre-approved, it is important that you get a committed approval from a lender to ensure that both YOU and the PROPERTY are approved for financing.  This process may require an appraisal to be completed on the property, your Mortgage Agent will inform you of this based on the approval.

Step 5  Waive your conditions to make the offer a “firm offer” After you have satisfied all of your conditions including the financing condition, you will work with your Real Estate Agent to determine if you are going to waive your conditions and finalize the sale. Step 6 Sign your mortgage documents Depending on the length of time of your financing condition, you may sign the mortgage documents before or after you waive your conditions.  This is something you will discuss with your Mortgage Broker during the approval process.

Ed Smit - Borden Relocation AgentEd Smit

Sales Representative
CENTURY 21 B.J. Roth Realty Ltd., Brokerage*

 

Professional Home Inspections
When purchasing your new home you should have a Professional Home Inspection to prevent any unwanted surprises or expensive repairs.  Roger Frost is a Certified Building Code Official with the Ontario Building Officials Association.  Roger is also a Certfied Master Inspector with over 8,000 inspections performed.   Free Thermal Imaging included with every home inspection.  A 100% Money Back Guarantee, which is good for 30 days after you move into your new home.
Why You Need a Home Inspection
Buying a home is one of the largest investments you will ever make. It can be a complicated and stressful process. A home inspection by Napoleon Home Inspections will help you with this big decision by:  1. identifying any safety or health issues.  2. identifying components of the house that need maintenance, repair, or replacement.  3. providing you with a detailed report which delivers an accurate evaluation of the property’s condition. We are the Only Home Inspection Company in Simcoe County to offer a 100% Money Back Guarantee that is good for 30 days after you move in.
FREE THERMAL IMAGING
What is Thermal Imaging and How Does it Work? Thermal imaging is the use of a thermal camera to capture images which show differences in surface temperatures. These differences are shown by different colours on a colour scale. Any small differences in temperature can be the indication of moisture. It’s a good idea to check areas such as walls or ceilings near plumbing fixtures and areas around appliances. If a difference is detected, it can be measured with a moisture meter to see if there is moisture present. Thermal imaging is not an invasive test, and does not allow you to see through walls. Since it only detects differences in temperature, it isn’t detecting moisture directly—which is why it’s necessary to further investigate differences with a moisture meter. Also, it is not useful for measuring insulation problems because the indoor and outdoor temperatures may be very similar. For example, if the temperature indoors and outdoors is 70oF, it will not pick up any insulation problems because there is no temperature difference.