At Permack and Associates, our commitment is to make your home search as stress-free as possible. We offer unique market-intelligence, and our team of experts will work with you to determine what you can afford and where you should buy. Based on your needs, we will help you search for potential homes using all the tools available, including our industry-leading search tools. We have access to virtually every property for sale in the market, and we will find you the home you've been dreaming of.
Your home is likely to represent one of the largest investments in your life. In order to make sure the transaction goes smoothly it is of vital importance that you choose the right Real Estate Agent to represent your interests. The right agent will be someone whose experience and personality makes you comfortable, and who is familiar with the area you want to live. Our team has helped hundreds of families move. Find out more about who we are and how we can help.
Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, then discovering it is out of your price range. Speak with a Mortgage Broker to learn about the different financing options available to you. When you find the right lender, get the paperwork processed so you will be ready to buy once you find your perfect home. See our Financing Guide for details about understanding your purchasing power.
In order to make an educated purchasing decision, you need to know what is available and how much it is listed for. It's easy to browse all the active listings from my website. Once you have found some homes you like, save those searches and sign up for property watch so new listings will be emailed to you as soon as they hit the market. The best homes move fast. Make sure you're on top of the available inventory at all times so you do not miss out.
In order to determine the amount of home you can afford, a lender will use your debt-to-income ratio to determine how much of your pre-tax income you spend on debt. Your debt ratio will include monthly housing costs, car payments, credit cards, student loans, and any other instalment payments you may have. If you take on more debt before buying a home it will have an impact on the amount your lender will be willing to finance.
When getting ready to buy a home, start by making a wish list and setting a budget. We can help you choose a Lender to get you pre-approved for a loan, and then you're ready to start house hunting.
Search for your dream home from any device on our website.Start Searching
To keep focused on homes that are right for you, we will only view those properties that most closely meet your unique needs and interest. We will schedule times to look at homes and tour neighbourhoods so you can get an overall picture of your potential new neighbourhood. After each property viewing, we will discuss the positives and negatives about what we saw, and adjust our game plan as necessary. It is also likely that you will spend some weekend afternoons touring Open Houses on your own. We will always be in touch to talk about the properties you liked, and adjust our plans as necessary.
The home buying process is organic, and your needs and tastes may change as we go. This is perfectly normal, and we will work together to continually assess your situation.
Didn't see anything you liked right away? No problem! When you save a search on our site, any new homes matching your wish list criteria will be delivered straight to your inbox the moment they go up for sale.
Or, maybe you're just not quite ready to buy something. Listing Alerts are a perfect way to keep tabs on the market, and educate yourself about current market trends while you're waiting to buy.
We'd be happy to help you set up a custom search, or help you better understand what's happening in the market. Just give us a shout!
Click the icon when you find a house you love to save it in your favorites section and let us know you like it. Hit "See This Listing" or reach out to us directly to schedule an in-person showing. We're happy to walk you through the home and answer any questions, so you can make an informed decision.
When you find a home you love, we will help you submit an offer. We are skilled negotiators that know how to get you the best price and value possible. Once an offer has been accepted we'll help you navigate through inspections, appraisals, and closing in a stress-free way. We do all of this at no cost to you, the buyer, as we are compensated by the sellers.
COMPLETING YOUR PURCHASE
It can take 15-90 days to complete all the steps involved in a home sale, depending on the complexity of the transaction. We will work closely with everyone involved in the transaction to help ensure that it moves ahead as smoothly as possible.
• Explain to you in detail all steps that will occur and answer any questions you might have.
• Work with the Seller’s broker to see that they fulfil their responsibilities under the contract.
• Attend the property inspection and review your detailed report. Should you purchase a condo, we will review your condo documents together to ensure all paperwork is in order.
• Remove conditions and prepare paperwork to be sent off to our lawyer and mortgage broker.
• Stay in touch with your mortgage broker, conveyancing department, and lawyers office to help coordinate their activities and to keep the transaction moving forward.
• Communicate with you on a regular basis so that you can stay informed and as worry-free as possible.
• Provide resources for other after-sale homeowner needs.
Then it's time to get the keys, throw a housewarming party, and make lasting memories in your new home. We're so happy that you trusted us to help you through this exciting process.