Hi, Guest
RBC does a complete home visitation on your schedule - after hours, weekends, yadda yadda. Walk into your local branch and ask the info desk about speaking with a Mobile Mortgage Specialist.
The most painless 20 minutes regarding buying a house, EVER. be truthful and honest, and it makes the whole thing easy.
Closing costs, home inspection, down payment, lawyers fees (normally considered part of closing costs, but EXPENSIVE)... lotta stuff to factor in.
Plus, there's deposits on utilities (although Union Gas waived my deposit of 250+ when I agreed to pre-auth payments and 1 yr. equal billing), moving charges on existing utilities (Bell, etc), moving costs outright (rent a truck? gas? how many trips? use a trailer?).
Lots o stuff to remember, but it's worth it. We went through Century 21, signed a COST-FREE buyer agency agreement. This means the agent is your intermediary for all correspondence outside of the legal paperwork - price negotiations, anything left with the house, special considerations... and right up to the time they arrange for the final inspection. You can negotiate on built-in appliances or stuff to be left (dishwasher, air conditioner) right down to the blinds. We did!
Nate's right about appliances... we saved up enough cash to buy our new stove / fridge outright, then scored a deal on 1 yr old washer/dryer a couple of months later. I'd recommend not buying anything on payments, even with "no interest" for 2-3 years. These things tend to get away from you, and then wehn it comes time to have paid down the whole amount (even tho most don't) you're suddenly slapped with 3 years of interest on top of the purchase price... and that's AFTER taxes.
The most painless 20 minutes regarding buying a house, EVER. be truthful and honest, and it makes the whole thing easy.
Closing costs, home inspection, down payment, lawyers fees (normally considered part of closing costs, but EXPENSIVE)... lotta stuff to factor in.
Plus, there's deposits on utilities (although Union Gas waived my deposit of 250+ when I agreed to pre-auth payments and 1 yr. equal billing), moving charges on existing utilities (Bell, etc), moving costs outright (rent a truck? gas? how many trips? use a trailer?).
Lots o stuff to remember, but it's worth it. We went through Century 21, signed a COST-FREE buyer agency agreement. This means the agent is your intermediary for all correspondence outside of the legal paperwork - price negotiations, anything left with the house, special considerations... and right up to the time they arrange for the final inspection. You can negotiate on built-in appliances or stuff to be left (dishwasher, air conditioner) right down to the blinds. We did!
Nate's right about appliances... we saved up enough cash to buy our new stove / fridge outright, then scored a deal on 1 yr old washer/dryer a couple of months later. I'd recommend not buying anything on payments, even with "no interest" for 2-3 years. These things tend to get away from you, and then wehn it comes time to have paid down the whole amount (even tho most don't) you're suddenly slapped with 3 years of interest on top of the purchase price... and that's AFTER taxes.
Daily driver 1: 2007 Jeep Wrangler Unlimited Sport "S"
33" BFG Mud-Terrain KM2s, lots of Rough Country gear - bumper, 2.5" lift, swaybar disconnects, Superwinch 10,000lb winch, Detroit Locker in rear D44 axle, custom exhaust, K+N filtercharger, Superchips-tuned.
Daily driver 2: 2006 Subaru Legacy GT
COBB Stage 1+ package - AccessPort tuner, COBB intake and airbox. Stage 2 coming shortly - COBB 3" AT stainless DP and race cat, custom 3" Magnaflow-based exhaust and Stage 2 COBB tune.
33" BFG Mud-Terrain KM2s, lots of Rough Country gear - bumper, 2.5" lift, swaybar disconnects, Superwinch 10,000lb winch, Detroit Locker in rear D44 axle, custom exhaust, K+N filtercharger, Superchips-tuned.
Daily driver 2: 2006 Subaru Legacy GT
COBB Stage 1+ package - AccessPort tuner, COBB intake and airbox. Stage 2 coming shortly - COBB 3" AT stainless DP and race cat, custom 3" Magnaflow-based exhaust and Stage 2 COBB tune.