Is This The Market For You To Buy?

Because you're reading this, I know one thing about you... you are ready to start the exciting, but frought with potential danger, home buying process!

There's a lot to think about and consider these days. Where will the Toronto real estate market be headed in the next 1-3 years? What are house and condo prices doing? Is it a buyer’s or seller’s market now? Should I stay renting or start exploring my options?

These are all valuable, valid questions that you need to have the answers to.

That's why you're invited to a free Home Buyer Workshop which will educate you about the home buying market in Toronto, how the process of purchasing a house or condo works in a 'neutral' market (finally)and help you avoid making serious mistakes that could cost you thousands of dollars.

Avoid Making Serious Home Buying Mistakes...

Many Toronto house or condominium buyers have many fears and concerns when they start thinking about purchasing their new home. There's the neighbourhood to consider and how to buy in the right price range so they won't 'drown' in a mortgage payment.

Some buyers are concerned about what hidden costs there are when you purchase a home. Others are afraid of not being able to keep up the mortgage payments or losing their job.

Obviously there are many benefits to getting away from a rental situation or living at home... stop wasting money paying someone else's mortgage, improving their living environment and space or perhaps a move closer to work.

Often the goal is to final start building an asset... still possible even when the appreciation rate is slower than it has been in recent years!

Before you start actually looking for the home that you want to buy, you should get educated! Find out how the home buying process really works, learn how to "hire" a Buyer Agent, find out why getting a full pre-approval for a mortgage before starting to look is the smart thing to do.

Only then should you actually start going out with a Realtor to view potential houses or condominiums which might fit your needs!

Take a look at the video of some recent attendees...

Here's What You'll Discover At A Home Buyer Workshop

	How to best begin your home search to save you time, money and worry	I found it very informative and walked away with some myths dispelled, and new-found knowledge that I hope I can put into practice. The speakers were very knowledgeable and it was great to see different people speak in their experienced field. Scot
	How to avoid buying a "money pit" and ways to spot the 6 possible signs that could mean expensive, hidden trouble
	The critical questions to ask a Realtor before you "hire" him or her to be your Buyer Agent and represent you for what will likely be the biggest single purchase of your life. We'll also tell you the correct answers to expect
	The easiest and most accurate way to find out what you will get for your money in today's Toronto housing market
	The formulas that financial institutions use to qualify you for a mortgage so that you can 'crunch your own numbers'
	Why a verbal or written "Quick Qualifier" from a bank is not enough to guarantee that you can actually get a mortgage... and what you should get instead
	What three critical things you should do ahead of time to give you the edge in a multiple offer situation
	How to decide how much you can afford to pay for house or condo expenses on a monthly basis
	How to easily and confidently chose the right home for you when you're out viewing properties and how you'll be able to decide how much to offer to avoid overpaying
	Find out why using the listing agent to represent you is a definite conflict of interest... and why using the listing agent could result in you overpaying by several thousands of dollars. Learn the three critical reasons why you should avoid buying a home from the listing agent like the plague!
	Zero down payment options (yes there still are some available) AND why getting a 'Quick Qualifier' from a mortgage lender is not enough when arranging your mortgage financing. How to create a down payment even if you haven't saved a penny so far
	A detailed breakdown of closing costs you could expect to pay as a first-time buyer OR if you're buying your second home	The seminar helped get me off on the right foot. Buying a house for the first time is a learning experience that Sally greatly simplified for me. Cindy
	And finally... discover how to use free money from the Government to save thousands when you buy your first home, and what you can use this money for. You'll even learn the tips and techniques to use to get actual cash back from the Federal Government and from the lender at the same time.

In Our Current Toronto Market, There's Even More Things You Need To Know!

The Home Buyer Workshop is moderated by Thomas and Sally Cook, sales representatives with RE/MAX Hallmark Realty Ltd Brokerage and a mortgage lender plus a home inspector are guest speakers.

Here's a short list of what else you'll learn...

	The important definitions that relate to home purchasing so that you're able to speak the language to all the parties involved (buyer agent, mortgage lender, lawyer, home inspector, etc)	I was so impressed with the workshop that there are people in my office that are registering also. You will be seeing them soon. I found that all of you (the team) work very well together and I can relate to why you have done this. You were all very professional, sincere, honest, no pressure tactics, had excellent examples of real life scenarios (which hit the mark), have honed your skills, created a very good and informative web site and have become leaders rather than followers in your industry. Melissa
	A complete explanation of Buyer Agency... what a Buyer Agent should be doing for you in the transaction, how they get paid, why some agents are NOT motivated to get you the best price and what one extremely important question you should ask BEFORE signing any buyer agency contract
	What happens at a Buyer Consultation and what the pitfalls are if your buyer agent does not take the time to have one with you
	The difference between how much you can afford to pay and how much you want to pay monthly for house or condo expenses. Don't get caught eating Kraft Dinner every night so that you can pay your monthly mortgage!
	The specific benefits of filling out a 'Wish List' before you start looking at houses or condominiums to help you focus on and decide what type of home suits your lifestyle best
	Learn how to calculate 'Fair Market Value' and avoid overpaying even if you've fallen in love with the property
	What happens at a Mortgage Consultation... learn what your mortgage options are and how you can negotiate the absolute best rate
	What does the home inspector do? Why can some of them be a major liability to you? What should you be doing while the home inspection is going on?
	Hear real life examples of how the offer presentation process really works... what conditions in your offer are different between a house and a condominium and what $$ deposit you need when you present your offer
	Find out what lawyers do during the real estate transaction and when you need to get one involved in the process
	Once your offer is accepted, what needs to happen next... when do you assemble your down payment and when and where are all the documents signed?
	We will show you how to pay off your mortgage in just ten years without you making ANY lump sum payments whatsoever... our exclusive and trademarked Mortgage Terminator Program can save you between $80,000 and $140,000 of interest payments during the life of your mortgage and anyone can do it.

To Register For The Next Home Buyer Workshop...

Once you have registered, you will receive a pre-workshop package by surface mail or email giving you the exact location and a confirmation of your attendance.

Don't delay - there are only 15-20 seats available at each workshop location. We do reserve the right to limit registration at specific locations.

If you do have to cancel once you've registered, please notify us immediately to free up the seat for someone else. We'd be pleased to register you for another upcoming workshop. Please give us as much notice as possible so that we can invite someone from our waiting list to attend.

Do NOT register if you plan to purchase a brand new house.  This seminar is designed for the purchasing of a resale house or condo OR a brand new condominium!

There are other brief home buyer workshops out there which are nothing more than an opportunity for an agent to promote him- or herself!  This workshop is intensive and is designed for people who seriously want to improve their knowledge of house or condo buying in Toronto. 

The workshop is about 3.5 hours long with a break part way through.  If you can't spend the entire time at the workshop on a particular date, it may be better to reschedule.  You'd regret missing any part of it!

Our Next Toronto Downtown, Uptown, East, North York & Home Buyer Workshops

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