COMMON QUESTIONS
Home Buyer
How do I know if I’m ready to buy a home?
You’re likely ready if you have a stable income, manageable debt, and savings for a down payment and closing costs. If you’re thinking long-term, feel emotionally prepared, and are ready to invest in your future, it might be time. I’m happy to walk you through the steps to find out.
What’s the first step in the process?
The first step is a conversation. We’ll talk about your goals, budget, and timeline. Then, I’ll connect you with a trusted mortgage professional to get pre-approved, so we can start your home search with confidence.
How much do I need for a down payment?
The minimum down payment in Canada depends on the home’s purchase price. For homes up to $500,000, the minimum is 5%. For homes between $500,000 and $999,999, it’s 5% of the first $500,000 and 10% of the remainder. Homes over $1 million require 20%. A higher down payment can reduce your mortgage insurance costs and monthly payments.
What credit score do I need to buy a house?
Most lenders prefer a score of 620–680, but some insured mortgages allow for 600+. To access the best rates, aim for 680 or higher. Even if your score is lower, there are still options—we’ll review what works best for you and how to boost your score if needed.
How long does the process usually take?
On average, buying a home takes 30 to 90 days from mortgage pre-approval to closing. The timeline can vary based on your readiness, market conditions, and how quickly we find the right home—but I’ll guide you through every step to keep things moving smoothly.
Do I need to work with a Realtor?
You’re not required to, but having a Realtor on your side gives you expert guidance, market insight, and negotiation support—all at no direct cost to you as a buyer. I’m here to protect your interests and help make the process less stressful from start to finish.
Pre-qualification vs. pre-approval?
Pre-qualification is an estimate of what you might afford based on basic info. Pre-approval is more in-depth—a lender reviews your finances and gives you a confirmed loan amount. Pre-approval carries more weight when you’re ready to make an offer.
What should I look for when home touring?
Focus on layout, natural light, and overall condition. Check for signs of damage, the state of key systems (like plumbing and electrical), storage space, and how the neighborhood feels. Take notes and photos—I’m here to help you spot what matters most!
COMMON QUESTIONS
Home Buyer
What’s my home worth?
Your home’s value depends on factors like location, size, condition, and recent sales nearby. I’ll provide a detailed market analysis to give you an accurate, up-to-date estimate so you can price your home competitively and attract serious buyers.
How do I prepare my house to sell?
Start by decluttering, cleaning, and making minor repairs. Consider fresh paint and curb appeal improvements. I can recommend trusted pros for staging and repairs to showcase your home’s best features and help it sell faster and for more.
How long will it take to sell my home?
Timing varies based on market demand, price, and condition, but most homes sell within 30 to 60 days. I’ll help you set the right price and market your home effectively to attract buyers quickly
What costs are involved in selling a home?
Common costs include Realtor commissions, legal fees, any repairs or staging, and closing costs like taxes or liens. I’ll walk you through all expected expenses so there are no surprises and help you maximize your net proceeds.
Do I need to make repairs before listing?
Minor repairs and touch-ups can boost your home’s appeal and value. For bigger issues, I’ll help you decide what’s worth fixing versus what buyers might accept—so you get the best return without overspending.
Should I stage my home?
Yes! Staging helps buyers imagine living there by showcasing your home’s best features. It often leads to faster sales and higher offers. I can connect you with skilled stagers who fit your budget and style.
When do I need to be present?
You don’t need to be home for showings or open houses—most sellers aren’t. It helps to be available for important meetings, inspections, and the final closing, but I’ll handle the day-to-day so you can focus on other things.
What happens after I accept an offer?
Once you accept, the buyer typically schedules inspections and secures financing. You’ll work with your lawyer to handle paperwork and any conditions. I’ll guide you through these steps to ensure a smooth path to finalizing the sale.
Ready to Guide You,
Each Step of the Way.
As a dedicated realtor who knows the neighborhoods, understands the market, and puts your goals first, Kate is here to help. Whether you’re buying, selling, or just exploring your options, she’ll guide you every step of the way with honesty, insight, and local expertise. Let’s start your next chapter together.
SERVICES FOR
Home Buyers
Property Search and Showings
Help you identify properties that match their criteria, schedule showings, and provide insights on neighborhoods, schools, and amenities.
Market Analysis
& Offer Guidance
Advise on fair market value, help craft competitive offers, and guide buyers through bidding strategies in competitive markets.
Support Through
Closing
Coordinate with lenders, inspectors, and attorneys, ensuring all steps from offer acceptance to closing are smooth and legally compliant.
SERVICES FOR
Home Sellers
Home Valuation
and Pricing Strategy
Conduct a comparative market analysis (CMA) to determine a competitive and accurate listing price based on local market trends and recent sales.
Marketing and
Listing the Property
Creation of professional listings with high-quality photos, virtual tours, and descriptions, and promote the property through MLS, social media, open houses, and other channels.
Negotiation and
Transaction Management
Help handle offers, counteroffers,
and negotiations to get the best price and terms, while also managing paperwork, inspections, and closing processes.