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Your Buyer’s Guide
Our comprehensive guide and expert resources will help you navigate the buying process every step of the way.
ABOUT US With 12 years of experience turning keys and dreams into reality, I’m your trusted guide through the sometimes murky—but always exciting—waters of real estate. Specializing in first-time home buyers and downsizers, I have a knack for simplifying the complex and matching people with homes that fit not just their needs, but their lifestyles. Whether you’re buying your very first condo or trading square footage for freedom, I can bring a calm confidence and a whole lot of heart to every transaction. Based in the GTA but always ready to hit the road, and believe that your perfect place could be just around the corner—or a few exits down the highway. Looking for someone who listens, leads, and delivers? You just found your match! Contact me TODAY! YOU CAN HAVE A VIDEO OF YOU HERE
www.francorealestate.com
1.855.555.55555
Jon Franco I’m your
Dream Home Matchmaker!
OUR SERVICE
NEGOTIATION AND TRANSACTION MANAGEMENT I’ll negotiate on your behalf to get you the best deal possible—whether it’s on the purchase price, contingencies, or repairs after an inspection. I’ll also handle all the paperwork, keeping everything on track so the process is smooth and legally compliant from start to finish. MARKET EXPERTISE AND PRICING GUIDANCE I’ll give you insights into the local market, including neighborhood trends, property values, and even school districts. I’ll guide you in making smart, competitive offers so you don’t overpay. ACCESS TO RESOURCES AND PROFESSIONAL NETWORKS I’ll connect you with trusted professionals, like home inspectors, mortgage lenders, contractors, and stagers, to make sure you have everything you need. Plus, I’ll give you access to the Multiple Listing Service (MLS), which means more options if you’re buying.
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www.francorealestate.com
1.855.555.5555
WHAT MAKES US DIFFERENT?
We go beyond traditional real estate services, offering personalized guidance, market expertise, and innovative marketing strategies. Our client-focused approach ensures smooth transactions, top-notch negotiations, and exceptional results.
OUR COMMITMENT , .
We prioritize our personalized service, and provide exceptional results.
CONTACT US
1.855.555.5555 info@francorealestate.com
Follow me: @francorealestate
WWW.FRANCOREALESTATE.COM
CONTACT US
For a FREE Consultation and Home Assessment Today!
CONTACT US
1.855.555.5555 info@francorealestate.com
Follow me: @francorealestate
WWW.FRANCOREALESTATE.COM
The 8 Steps to the Buying Process The buying process can be a lot to take in, with my years of experience and knowledge I’ll help turn the process of buying a piece of property into a smooth and successful (even fun) search for a new home that’s right for you.
123 ANYWHERE ST., ANY CITY FULL MLS LISTING HERE JUST LISTED
$1,000,000
4000 SQ FT
5 BEDROOMS
4 WASHROOMS
NEW LISTING
123 ANYWHERE ST., ANY CITY, ST 12345
2500 sq ft
4
3
FEATURES
FULL LISTING HERE
Amazing location in a safe, lively neighbourhood.
Close to public transportation, shopping and nightlife.
Pet friendly
24h Surveillance and security cameras
Pool, gym and party room
Free 24 parking
With our support, you’ll be prepared for negotiations and paperwork with confidence. From your first search to closing day, we ensure a smooth and successful purchase. Step-by-Step Home Buying Journey
With the right guidance and a skilled real estate agent by your side, you can navigate the process with confidence. This is a step-by-step guide from Daly Realty to help you through your home-buying experience. Find Your Dream Home
Are you Ready to Buy ? Buying a home for the first time is an exciting journey, but it can also feel overwhelming. Homes come in various sizes, styles, and price ranges. Knowing what you can afford at the beginning of your search saves you time and disappointment later on.
Find the Right Realtor ! Choosing a realtor is crucial! Look for someone with experience and a successful track record. A great realtor will listen to your needs and customize your search, providing relevant listings without overwhelming you. They’ll notify you immediately about great opportunities, allowing you to act quickly.
First Affordability Rule Lenders typically allow you to spend about 32% of your gross monthly income on housing costs, including property taxes, heating, and 50% of condominium fees (if applicable). This is known as the Gross Debt Service (GDS) ratio. Understanding this helps answer the common question, “How much mortgage can I afford?” Second Affordability Rule Your total monthly debt load shouldn’t exceed 40% of your gross monthly income. This includes housing costs and other debts like car loans and credit card payments, referred to as the Total Debt Service (TDS) ratio. Understanding Affordability !
Pre-Approval Benefits Getting pre-approved helps determine your budget and provides a written confirmation of your borrowing capacity. A mortgage broker can assist you in finding the best financial products at competitive rates. Get Your Mortgage Pre - Approval
Understanding Costs Upfront Expenses
Legal Fees
Down Payment
Inspection Fees
Taxes
Understanding Costs Monthly Expenses
Insurance
Mortgage/Condo Fees
Property Taxes
Utilities
Found a home you love! Congratulations! Now, it’s time to make an offer. Making an Offer
Here’s how we will assist you:
1. Research: We’ll gather all necessary information to make an informed decision. 2. Prepare the Offer: We’ll draft the offer to meet your needs. 3. Explain the Details: We’ll clarify every aspect of the offer. 4. Negotiate: We’ll present your offer and negotiate with the seller for the best deal.
After submitting your offer, the seller has several options: Negotiating the Offer 1. Accept Your Offer: Great news! 2. Reject Your Offer: This is rare, but if it happens, we’ll explore alternatives. 3. Counter Your Offer: Sellers often propose changes, especially to the price.
As you approach closing, be prepared for final payments, including mortgage application and legal fees. We’ll assist you with any conditions in your offer, such as financing and home inspections. A home inspection is crucial to uncover potential issues. We can recommend qualified inspectors to guide you through this process. Due Diligence
Meet with a Lawyer
If you haven’t selected a lawyer yet, now’s the time.
We can recommend trusted legal professionals.
Your lawyer will need various documentation to complete the sale, including:
Insurance Information Balance of your down payment Fees and any adjustments for taxes
Moving Day!
Congratulations!
On moving day, we’ll notify you once the funds have transferred and the keys are ready for pickup. It’s usually around noon, but stay flexible with your moving schedule. Ready to take the next step in buying your home? At Daly Realty, we’re here to guide you through every stage of the process.
FRONT & SPADINA View our Community THE WELL
Tour Model Suites from $1,850,000 Move in Ready
Contact Daly Real Estate for a Showing
The Right Mortgage Broker
We are “Online Mortgage Brokers”.
We combine Unparalleled Service with technology to streamline the entire process of getting and having a home loan so you save time, hassle and money for the entire time you have a home loan.
Why Choose Us
We assist clients seeking a streamlined process that minimizes effort, reduces stress, and leverages expert guidance to achieve better financial outcomes.
Fully supported end to end We manage the entire support and customer care program for our clients, ensuring consistently exceptional service at every step.
Dedicated Online Broker Here to support you long-term, providing consistent expertise as your needs and goals evolve—no need to re-explain each time.
info@therightmortgagebroker.com www.therightmortagebroker.com
1.800.690.2424 Book in a quick call
GIVE YOUR HOME THE NEW LOOK YOU DESERVE
T E M P O D E S I G N
Renovation Whole Spaces Offices Kitchens Washrooms
www.tempodesign.ca Email: info@tempodesign.ca Tel : 1.833.363.3333
Contact LOFTY Urban Living to view loft designs! info@lofty.com 1.800.333.LOFT
LOFTY Personal Urban Living This impressive, contemporary apartment features high lofted ceilings, an elevated bedroom and a sunny outlook into the treetops.
Unique KITCHEN CABINETS
We Consult, Design & Install
1.877.KITCHEN www.uniquekitchens.com
KEVIN LARSON WEALTH MANAGEMENT
CONTACT
KEVIN@WEALTHMANAGEMENT.COM 1.800.WEALTH WWW.WEALTHMANAGEMENT.COM
ergola
Build your any size PERGOLA Or RUUMS -CUBE BACKYARD STUDIO
www.tojaliving.ca
ARCHITECTURE DIGEST
FIND YOUR ARCHITECTURE GENIUS
Architecture is more than just buildings; it’s an art form that shapes the way we live, work, and interact with the world. Whether you're designing a home, renovating a space, or simply appreciating great design, finding your architectural genius means discovering what inspires you. Every structure tells a story—of creativity, culture, and innovation. Look around and observe the details: the curve of a staircase, the symmetry of a facade, or the way natural light transforms a room. Inspiration is everywhere, from historic landmarks to modern skyscrapers. If you dream of designing, start exploring different styles—minimalist, classical, industrial, or contemporary. Dive into the works of legendary architects like Frank Lloyd Wright or Zaha Hadid. Experiment with sketches, 3D models, or even small DIY projects to bring your vision to life.
www.architecturedigest.com 1.800.DIGEST1
Goodman & Asscociates
ARE YOU LOOKING FOR LAW FIRM?
Goodman and Associates Earns the Top 10 spot in Forbes Magazine.........as a “ Leading Business Law Firm”
Our Services:
Real Estate Law Corporate Law Tax Law Wills & Trusts Power of Attorney
1.800.LAWYERS
www.goodman.com
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