Frequently Asked Questions
Clear answers to the questions buyers and sellers ask most, so you know what matters before you commit.
Buyer FAQs
You can start viewing homes anytime, but without a pre approval you're browsing without confirmed numbers. Use the Mortgage Calculator to set a rough comfort range, then confirm it with a lender so your budget and timeline are real before offer day.
Budget for more than the down payment. Land transfer tax, legal fees, title insurance, closing adjustments, moving, and setup costs add up fast. Use the Land Transfer Tax Calculator and the Cash Needed to Close Calculator so you know your real cash required before you commit.
The steps are similar, but the risk checks change. Condos add a building and document review, while freehold puts more emphasis on the home's condition, systems, and ongoing maintenance. The Buyer Guide breaks down the key differences, what to watch for, and how it should shape your offer strategy.
Conditions should match what still needs confirmation before you go firm, like financing, inspection, or a condo document review. The Buyer Guide includes a clear checklist of common conditions and when each one protects you.
You'll deliver the deposit by the deadline in the agreement, complete any conditions, finalize financing, and finish any inspection or document review. Your lawyer will handle the closing process and required paperwork. The Buyer Guide includes a step by step timeline so you always know what happens next.
We base it on sold prices, not list prices. I pull recent comparable sales and adjust for layout, condition, parking, fees, and demand so you know what similar homes actually traded for before you commit to an offer.
Start with a monthly number you can live with, then work backward into a purchase price. Use the Mortgage Calculator to test down payment, rate, and amortization scenarios so you know what comfortable looks like before you get attached to a specific home.
Monthly costs are ongoing, like your mortgage payment, property taxes, utilities, and condo fees if applicable. Closing costs are one time costs to complete the purchase, like land transfer tax, legal fees, and closing adjustments. Use the Mortgage Calculator for monthly planning and the Cash Needed to Close Calculator to confirm your total cash required.
It depends on your monthly comfort number and your closing day cash requirements. Use the Mortgage Calculator to see how payments change with different down payments, then use the Cash Needed to Close Calculator to confirm you still have enough liquidity to close cleanly.
Stay out of the max approval lane, confirm your real cash needed to close, and never skip the key checks on the home. The Buyer Guide lays out the process, the number checks, and the showing and offer checklists so nothing gets missed when timing gets tight.
Seller FAQs
We start with comparable sales, then review current competition, and price based on how buyers are actually choosing at your price point. Pricing drives offers. Photos and presentation drive traffic. If you want a starting range first, use the What's my home worth? form, then we refine it into a pricing strategy tied to your timeline.
It depends on your price point, current competition, and how buyers are behaving right now. We choose the approach that builds leverage and attracts qualified buyers, without gambling the entire outcome on one night.
Often yes, but it should match the home and the price point. The goal is to make the home photograph well and feel easy to walk through. The Seller Guide breaks down when staging matters most and what typically creates the biggest lift.
We use a targeted prep plan: fix the obvious, remove distractions, and focus on what shows well in photos and walkthroughs. The goal is to reduce objections and build buyer confidence without over renovating.
Expect legal fees, moving costs, prep expenses like minor repairs or staging, and any lender fees tied to paying off or discharging your mortgage. The Seller Guide helps you plan ahead so you're making decisions before pressure shows up.
It depends on price, condition, and competition, but the first week is usually the clearest signal. We track showings, feedback, and comparable activity early, then adjust quickly if the market isn't responding.
We review the data early and make a targeted adjustment to pricing, presentation, or launch strategy to get traction back. The key is to respond quickly, not wait weeks and hope.
Price matters, but terms decide certainty. We look at deposit strength, conditions, closing date, and buyer flexibility so you can choose the offer that is most likely to close cleanly, not just the highest headline number.
An estimate is a starting point, not the final number. Accurate pricing comes from matching your home to sold comparables and current competition, then adjusting for condition, layout, upgrades, and buyer demand. Start with the What's my home worth? form, then Schedule a Call to confirm the pricing strategy.
You move into closing mode. Any conditions get satisfied, the buyer finalizes financing, the lawyers handle the paperwork, and we coordinate timelines so nothing gets missed. The Seller Guide includes a step by step overview from offer day through closing.