B U Y E R S
P R E S E N T A T I O N
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A BOUT NASIRI GROUP WHAT SETS US APART Nasiri Property Group (NPG) was formed as a comprehensive real estate team that offers you the opportunity to consolidate your complex transaction under one ‘roof’. NPG’s commitment to you extends far beyond the realm of customer-service. As a team, NPG is always oriented towards innovation that drives the future of Real Estate, immersing itself within the latest technological advancements, market awareness, and business acumen. Our team members, lawyers, home inspectors, and mortgage advisors continually strive to position themselves as leaders within the community, in an effort to ensure that you are cared for throughout this process. NPG is designed with the client in mind. Today’s market needs people who are committed to providing a form of customer-service that is fully aware of not only the intricacies of the transaction, but the complexities of our clients’ daily-lives. Although this is a large and important transaction, this isn’t the only thing that is going on in our clients’ lives. Our clients are parents, children, employers, employees, and so forth, with a range of responsibilities that come along with it. This is why our team has always delivered ‘family-oriented’ service. In doing so, we focus less on treating the client(s) as customers who come in and out of our lives and more so as treating our clients like family – people we want to see happy, to grow with their loved ones in their new lives and spaces. We want to not only bring exceptional Realtors® to the table, but also recommend Lawyers, Mortgage Advisors, and Home Inspectors that we know will provide the same level of exceptional service and unfaltering expertise. That’s what makes NPG a comprehensive, power-house team. NPG’s commitment to you extends far beyond the realm of customer-service.
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NPG ADVICE ARE YOU DEALING WITH AN EXPERT? **Did you know that the average agent sells or helps clients buy only 6 homes per year? Did you know that 45% of real estate agents spend less than $500 per year on training and professional development. These are the facts, so how do you know if your agent is an expert when it comes to helping you buy a home? **Sourced by: N.A.R. National Association of REALTORSÂŽ 2015
BUYERS INFO THE BUYING EXPERIENCE 1. MAKING THE RIGHT CHOICE It is very important to evaluate yourself and your situation to help ensure that buying a home is the right decision for you. We believe in full disclosure and the importance of planning. Some questions you should ask yourself: What reasons are prompting you to move and what is your preferred timeline? Have you been through the pre-approval process? If so, what amount have you been approved for? When we find the right home for you, are you prepared to make an offer? 2. YOUR LIFESTYLE Deciding on what type of home you want to live in is just as important as deciding on where you want to live. For some, location is everything. For others, home details are everything. It is important that you decide what is most important for you and what type of lifestyle you truly desire. 3. LOCATION, LOCATION, LOCATION. Another important decision during the buying process is proximity to important things such as schools, work, grocery stores, and amenities such as shopping centres, restaurants, parks and recreation centers. These things define your lifestyle choice and are not only necessary, but convenient.
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NPG ADVICE EXPECTATIONS, NEEDS & WANTS By determining buyers’ expectations, needs and wants, and comparing them to what the market is showing, an expert will help find the ideal home for you. However, it is important to understand how we will be able to identify these factors.
THE RIGHT AGENT TEAMS ALWAYS OUTPERFORM Because we are an experienced, well-oiled team, we ensure our client’s expectations are always met. Real estate is so much more than just a job, it is our passion, and our duty is to provide all our clients with the necessary services to help them reach their real estate goals. Having the RIGHT AGENTS helps. IT ALL STARTS HERE... We strive to offer our clients excellent service, excellent communication, trusted advice and a personal touch. We truly believe in people, their dreams, and care about all of our clients, who we now consider our extended real estate family. KEEP THIS IN MIND WHEN LOOKING FOR AN AGENT... 1. EDUCATION The most important factor in choosing a real estate professional is his or her education in the real estate industry. Our professionals have advanced training and education, allowing them to be among the top agents in the world earning prestigious designations in the various fields of real estate. 2. EXPERIENCE AND EXPERTISE You want full-time agents who are familiar with your area and with the type of property you intend to sell. Does he or she employ a diverse range of marketing and advertising strategies? How tech-savvy is your agent? How many similar properties has he or she been able to help clients buy in the past? 3. AVAILABILITY AND COMMITMENT Your agent should be capable of prompt and decisive action during the course of finding your home. Does your agent make it a point to keep in touch with you constantly? Is your agent easy to contact in case of emergencies or even for the simplest questions? Is your agent available on the weekends or in the evenings when most buyers are out looking? 4. RAPPORT Does your agent take the time to listen to your goals and clarify your needs? Can your agent understand your unique situation and be genuinely concerned about the outcome of the process? Your listing agent will be your guide and partner in this crucial decision, so it is important to find one with whom you can get along. “FOR MOST OF US, OUR HOME IS OUR BIGGEST INVESTMENT. WHEN IT’S TIME TO BUY WE MAKE SURE YOU MAKE THE BEST DECISION IN PREPARATION FOR YOUR HOME. IN THIS BOOK YOU WILL FIND DETAILED INFORMATION ON HOW TO PREPARE YOURSELF TO BECOME AN EDUCATED BUYER.”
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NPG ADVICE REAL ESTATE AS AN INVESTMENT AND A HOME Everyone needs a home, however, one cannot overlook the importance of real estate as both an investment and a home. You simply don’t want to just live, but also build capital with something tangible, valuable and essential to life.
MORTGAGE
INFO
READY TO BUY YOUR HOME? GETTING STARTED You’ve decided you want to buy a home. Now what? The first – and most important step to the home buying process is financing. You can’t do anything until you know how much you can afford. To get started, you need to understand what lenders are looking for from a borrower. There are three main factors that help determine if you qualify for home financing: income, assets, and credit history. DIFFERENT TYPES OF MORTGAGES: Getting a mortgage is one thing. Getting a mortgage that best suits your situation is another. Some mortgages have less strings attached but have more strict stipulations, while others may be harder to get, but have more flexibility. It is important to have all the information about mortgages available to you before you decide to move forward in the purchase of a home. Find out how we can help you find the mortgage that best suits you. INCOME & ASSETS Most loan programs require the lender to verify all of your income sources. Typically you will need to provide pay stubs, your T-4 and copies of your tax returns. Lenders will also want to go through your assets and how much of a down payment you will have when determining your loan approval. CREDIT HISTORY All lenders review a borrower’s credit history to determine the type of credit used, the amount owed, and the borrower’s repayment history.
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NPG ADVICE TOURING HOMES IN PERSON AND ONLINE Some people look at several homes before finding just the right one, and others find “the one” immediately. Thanks to the Internet, you can streamline your search process significantly by checking out homes for sale online. You can visit open houses and preview everything that’s for sale in your market.
ONLINE FACTS & TOOLS LET’S GET ONLINE! Our team uses the Internet and all online tools to help find your next home. With more than 90% of buyers checking the web, getting online is the most effective and efficient way to search for homes. Our web presence and online network will help us find a home that best suits you! Below shows that 99% of people search for a home using three main search engines. We make sure to give you the widest possible access on these platforms.
81% 12% 6% *Sourced by: StatCounter Global Stats (www.gs.statcounter.com) 2017
S TE P S BU Y E RS TAKE WH EN S EAR C H I N G FO R A HOME INTERNET - 51% REALTOR® - 34% CALL ON YARD SIGN - 4% FRIEND/RELATIVE/NEIGHBOR - 4% OPEN HOUSE - 4% NEW BUILDER - 2% LOCAL NEWSPAPER/MAGAZINE - 1% KNEW THE SELLER - 1% **Sourced by: N.A.R. National Association of REALTORS® 2016
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NPG ADVICE PREFERENCES, QUESTIONS AND CONCERNS Throughout the search process, many questions will arise. Common preferences are floorplan/layout, local amenities, schools, crime level, demographics, quality of life, price range, age of home and more. These preferences should always be taken into account by your RealtorÂŽ to speed up the process and allow you to find the ideal home sooner rather than later.
M OVING CHECKLIST PREPARING YOUR NEXT MOVE IMPORTANT INFORMATION It is important that you use this checklist in order to be well-prepared when buying a home. The last thing you would want to happen is to move into a home without the necessities in life such as electricity, gas, water, or work/school related services such as Internet/phone, etc. Be sure everything is in order to keep things running smoothly during the buying process. If you need assistance, we are always here to lend a helping hand. It`s what we do! UTILITY PROVIDERS • Electricity Providers • Telephone Providers • Water & Sewage • Cable & Internet Providers • Gas Providers
PROFESSIONAL SERVICES • Broker • Accountant • Doctor • Dentist • Lawyer
GOVERNMENT INSTITUTIONS • Canada Revenue Agency • Post Office • Schools • Provincial Licensing • Library
BUSINESS ACCOUNTS • Banking Institutions • Cell Phone Providers • Department Stores • Financial Companies • Credit Card Companies
INSURANCE COMPANIES • Accidental Insurance • Auto Insurance • Health Insurance • Benefits Provider • Home Insurance • Life Insurance
CLUBS & MISCELLANEOUS • Country Club • Health & Fitness Club • Recreation Club • Book Club • Other Club
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NPG ADVICE WHO YOU WORK WITH MATTERS We want to point you in the right direction and provide you with a little bit more understanding of the process, the questions you should ask and what you should expect from an expert advisor. Remember, if they’re not experts, then they’re not qualified to help you find your ideal home.
BUYERS PREP BEING AN INFORMED BUYER You’re ready to buy - there’s a lot you can do to prepare. With so much information available at your fingertips, you may already be doing a lot of your own research. Here are a few things to keep in mind while you get started. DETERMINE YOUR PRICE RANGE The best place to start when buying a home is to find out how much house you can afford. One of our NPG agents can refer you to a mortgage broker who can assist you with determining how much of a down payment you can afford, comfortable monthly payment, and the type of loan that fits your needs best. Serious buyers who are highly motivated should go through the effort of getting pre-approved; not only will this allow you to focus your home search, but it will also position you as a serious buyer in the eyes of sellers when the time comes to make an offer. MAKE A LIST AND PRIORITIZE Imagine your ideal home and location. Now make a list of everything you envisioned, take that list and break it down from high to low priority. High-priority items are the things you cannot live without in your new home. (Large Bedrooms, Large Closets, High-end appliances, proximity to amenities and schools, etc.). Lower-priority items are those that are an added bonus, but not necessary. (Jetted-tub, landscaped yard). TOUR HOMES IN PERSON AND ONLINE Some people look at several homes before finding just the right one. And others find “the one” immediately. Thanks to the internet, you can streamline your search process significantly by checking out homes for sale online. You can visit open houses and preview everything that’s for sale in your market on one of our websites. C
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NPG ADVICE PURCHASE & SALES AGREEMENT Once an offer on a property has been made by a buyer and accepted by the seller, they enter into a legal contract known as a Purchase and Sale Agreement. This document outlines the specific terms and conditions of the transaction and is acknowledged by both parties by the signing of the document.
THE OFFER PROCESS MAKING AN OFFER NEGOTIATING THE RIGHT WAY We take the ethical responsibility of fairly negotiating contractual terms very seriously. It is our job to find a win-win agreement that is beneficial for our clients. You may even have to deal with multiple offers, so make sure that yours is strong if you really want the home. As your agents, we will guarantee a thorough and objective assessment of the home’s true value to help you make the right choice. THE INITIAL AGREEMENT AND DEPOSIT An effective agreement is a legal arrangement between a potential purchaser and the property’s seller. Laws vary but in order to be a legally binding agreement, the agreement may require consideration. This consideration (initial and additional deposit) is to be held in trust pending the fulfilment of conditions or contingencies in the effective agreement. KEEP WRITTEN RECORDS OF EVERYTHING For the sake of clarity, it will be extremely useful to transcribe all verbal agreements including counter-offers and addendums, and convert them to written agreements to be signed by both parties. We will assist you in drafting all the paperwork for your purchase and make sure that you have copies of everything. STICK TO THE SCHEDULE Now that you have made an offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations and also ensures that each party involved is not in breach of their agreements. During the process we will keep you constantly updated so you will always be prepared for the next step.
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TESTIMONIALS WHAT MY CL IE NTS SAY. . . “We are all moved in and somewhat unpacked, so we thought we’d take a few minutes to put some words together to thank you for your help...After much searching, we found our home as an available listing. The layout, location, and features were all ideal, and we felt that we needed to move quickly to make the purchase a reality. Your assistance throughout the entire process was excellent, from helping us to understand the transaction details, marketing our previous home successfully, and providing support in an efficient and timely manner. Your expertise went the distance to [make] our dream a reality, and gave us a new perspective on the level of detail and knowledge needed to make quality decisions in buying and selling real estate. In a difficult market, your perseverance and creative strategy, coupled with your friendly and helpful demeanour all combined to result in a successful and very satisfactory outcome. We are both quite happy to recommend your services to others we know, and are confident that your professionalism will continue to serve new customers in the future”
Allen & Brigitte Littlewood “Julie-ann was amazing to work with! My fiancé and I were lucky to meet her at a house she was showing in Kincora. We were extremely impressed with her right away as she was extremely professional and just great to communicate with. Calgary has a very busy housing market and of course the first house we liked had multiple offers on it! Julie-ann was great [at] letting us know what the process was during multiple offers and gave us great recommendations. With Julie-ann’s advice our offer was accepted and we got the house! This was our first one purchase and Julie-ann was very patient in showing us many houses we were interested in and communicated to us the pros and cons, making it a fun first experience. I highly recommend Julie-ann as she looks after your best interest and is great to deal with.”
Michael & Kristy Chan “I am grateful to have Julie-ann as my real estate representative. She presented herself in a very professional manner, took good care of my needs and showed me around all the houses tirelessly. It was my first time buying a house, Julie-ann was very kind and patient with me. She explained things very thoroughly and taught me a lot during the process. I really appreciated her help and how she treated me as one of her family [members]. I would highly recommend her to anyone who is selling/buying. Thank you very much Julie-ann! =) All the best!”
Wei Wei
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Canyon Creek Each office independtly owned and operated.
403.860.1210
www.NasiriPropertyGroup.ca