Bruce McCallum, REALTOR®

Homes In Victoria

Buying

While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details.
 
With special software tools at my fingertips, I am familiar with the current homes on the market so I can help you determine those properties that are fairly-priced and in good condition even before you start your search. In fact, I receive notices of new listings 12-24 hours before you can see them on Realtor.ca !

Your First Step: Loan Pre-Qualification

Too many families begin shopping for a new home first and when it comes time to purchase find out that they can't afford the home. Don't be disappointed! Figure out what you CAN afford firs, then go shopping. Get pre-qualified with a mortgage company.
 
Call me and I will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approvals for his/her clients.
 
Do you think 'Out of the box'? My all-time favorite strategy is to SELL first, then buy. Why? Selling first means you have money in the bank and know what you can afford. With cash in hand so to speak, you could be in a very strong position when it comes to writing an offer on that 'perfect' place. It's exactly what our family did and it worked great.

Why? What? Where? When?

Why? Ask yourself why you want to buy a home? To stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? To downsize?
 
What Kind? Next, list what kind of home you'd like. Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Do you want a newer home, or maybe an older one to fix up?  Be specific. Separate the "must haves" from the "want to haves."
 
Where? Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work?
 
When? Is moving just a thought or a dream? Or, must you move within 1, 2, 3, 6 months? Do you have an eye on a particular home and when it hits the market want to move quickly? I can help you prepare for all these scenarios.
 

I Will Help You Every Step Of The Way

I will help you find financing, search for homes using all the latest technology, suggest trust-worthy experts for inspections, explain and complete required paperwork, and, oversee the completion process for you. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful. So successful in fact, that you refer others to me!
Bruce McCallum, REALTOR®
Cell: 250-858-5762
Ofc Page: 250-477-7291