Marc's Best Tip

Like for any big purchase, it is best to PLAN FIRST.  Planning does not mean peeking at homes for sale on the Internet or going to the bank to see how much you can borrow.  The first thing I recommend you do is talk to a realtor and establish your Strategic Plan.

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I myself always recommend to clearly define your NEEDS, WANTS and NICE TO HAVES.  Since you've never owned a home before, this exercise can seem complicated, but My Diagnostics Survey is a perfect way of setting the tone for your plan of attack!  It takes 9 to 14 minutes to complete via email or smart phone and allows you to put some serious thought behind your big purchase and the lifestyle you are looking for.

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Never go to the BANK first to see how much you can afford.  Regardless of who you bank with for your daily transactions, each Bank has a group of Regional Mortgage Specialists that have the added expertise to guide you in structuring your loan properly and all of them work in direct collaboration with your Real Estate Broker to ensure your transaction will be successful in representing your interests.

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It is much more fun to shop for houses or condos once you've properly set yourself up!.  You will be in a more powerful position during negotiations unlike many first time buyers who did not take the time to build their file at the onset.

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Seek my advice should you or someone you know is planning to buy their first property, and be in good hands!