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FIRST TIME HOME BUYERS TAX CREDITS
2009 Federal Government Tax Measures with respect to Home Renovation Tax Credit, Home Buyers' Plan and First Time Home Buyers' Tax Credit
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LAND TRANSFER TAX REFUNDS FOR FIRST TIME HOMEBUYERS
This report sets out the requirements to qualify for and the procedures to apply for a refund of land
transfer tax on the purchase of a qualifying home by a first-time purchaser. Under certain
circumstances this refund applies on the purchase of either a newly constructed home or a resale.
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PURCHASE + IMPROVEMENT PROGRAM
Approved clients can now purchase or refinance a home and add the cost of repairs and/or renovations into one mortgage.
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THINKING ABOUT BUYING YOUR FIRST HOME?
There are a lot of things to consider when buying your first home. How long do you plan on living there? What kind of lifestyle are you looking for? What do you really need?
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TIPS FOR FIRST-TIME HOMEBUYERS
You're Ready to Buy Your First Home. So What's Next?...
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KNOW THE NEIGHBORHOOD
Learn as much as you can about a neighborhood's immediate future and long-range plans. You can print this checklist for quick reference and take notes when you talk to neighbors, local business owners, school officials and government agencies (such as zoning boards or planning commissions).
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KNOW WHAT YOU WANT IN A HOME
Define all the qualities of a home that are most important to you. You can print this checklist, fill it out, and refer to it when you see and compare homes. You may also want to give a copy to your agent. Think about which features you can live with or change.
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CONTINGENCIES & CONTRACT CONDITIONS
When you start negotiating to buy or sell a house, you should include standard contingencies, or conditions, in the purchase contract. You may also want to add unique contingencies depending on your circumstances. If a buyer doesn’t satisfy a contingency, the seller can cancel the contract and the buyer may be out the deposit.
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CLOSING COSTS
List of closing costs
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REAL ESTATE REPRESENTATIVE INTERVIEW
As a buyer, it's recommended to sign a Buyer Representation Agreement to work with a real estate representative. Before you sign the agreement, it's important to choose the right Realtor for you. The following questions will help you determine if the real estate representative is right for you.
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QUESTIONS TO ASK THE SELLER
If you know why a seller wants to sell, it can help you negotiate a better offer. The more motivated the seller, the more you can negotiate. It may take some finesse, but see if you can work these questions into conversation with the seller or the listing agent.
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QUESTIONS TO ASK WHEN SEEING A HOME
Take this checklist along when you visit a home and talk to the listing agent. Make note of your own observations, watch for defects, and ask about anything you may not see on your own.
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MOVING TIPS
Congratulations! You have closed on your new home and now are ready to move! Tips and Checklists so that you move is as organized and effortless as possible.
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HOUSE HUNTING CHECKLIST
Bring this list with you when starting your house hunting. Don't forget to bring your Buyer Agent along with you.
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SIX SIMPLE THINGS YOU CAN DO TO ENSURE A SMOOTH HOME PURCHASE
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:
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HOW NOT TO PAY TOO MUCH FOR YOUR HOME
Whether you are buying your first home, or your fifth, the process of buying a home is a detailed, time-consuming venture. At the same time, it’s an emotional period laden with difficult choices. You want to ensure that the home you purchase meets your family’s needs now, and in the future.
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AVOID THE MOST COMMON BUYER ERRORS
Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details. Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. Their home purchase turns into an expensive process. These errors generally fall into three areas.
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HOW IMPORTANT IS A HOME INSPECTION?
It has become quite common in recent years for offers to be conditional on the buyer arranging a satisfactory building inspection, failing which the offer may collapse...
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