How to Buy a Home?

There is a lot you have to consider

Financing
Overview
First Step: Receive Mortgage Pre-approval
Second Step: Mortgage Choices
Third Step – Lender Selection
House hunting
First Step – Create a Wish List
Second Step – Choose a Toronto or GTA Real Estate Agent
Third Step – Using the Internet to Search for Toronto Condos and Houses
Fourth Step – Real Life House Hunting
Offers
Making Offers
Provide a Deposit and Meet Conditions
Closing
Overview
Closing Costs When Buying Real Estate
Purchasing with BCR
Overview
What You Can Expect When You Purchase With BCR
Overview

Blog post

When your new condo or house needs financing, there is a lot you need to be mindful of. To obtain a mortgage, you will need to be qualified ahead of time. You’ll also have to make some crucial financing choices, as well as select a lender down the road. Steps to Buying a House or Condo.

First Step: Receive Mortgage Pre-approval

This section is at the beginning for a reason – the initial steps to buying a house or condo in Toronto is to determine the amount of a loan a bank can potentially lend you. To get a mortgage pre-approval, The lender will assess your debts, income, and down payment. It is prudent to thoroughly optimize your prequalification before looking at properties, and the best way to do so is to receive a pre-approval for a mortgage. If you are pre-approved, it will be articulated as such in writing (your pre-approval will be valid for 3 or 4 months). You will be required to show proof of income and have good credit history. If you are pre-approved, you will receive a guaranteed interest rate.
A pre-approval doesn’t guarantee the issuance of a loan. Lenders need to feel confident that the money they are giving you to buy a home matches the value of a property. Financial institutions in the city of Toronto ask for home appraisals by independent parties prior to the issuance of mortgage funds.
Receiving a pre-approval will tell you how much money you can expect to receive from a lender. In having such a figure, you’ll have a price range to work with when searching for Toronto or GTA homes. Your house hunting endeavors can be limited to homes within your reach. Pre-approvals also bypass the uncertainty and risk of financing after you discover the home of your dreams.

Second Step: Mortgage Choices

The intimidation of mortgages is understandable, particularly for new homeowners. After you receive mortgage prequalification, you’ll have some fundamental choices to make. These choices must be made before possession of a condo or house can be taken, and they involve interest rates, amortization, mortgage type, and mortgage terms. Keep reading to learn what these terms mean. Feel free to use our convenient mortgage calculator for an estimate of what your monthly payments could potentially be.

Amortization and Mortgage Term

The amortization period and mortgage term determine the amount of funds available to you (and subsequently, the cost of the property you’ll be able to purchase). These two factors also establish how much you can expect to pay each month.

Amortization

There are not very many people who can repay a whole mortgage principal within 5 years, let alone six months. To achieve this, you would have staggering monthly payments. To provide you with assistance, mortgage payments are calculated over a longer period – sometimes by as much as a quarter-century! You aren’t being lent money for one 25 year term – lenders are simply calculating a payment timetable to give you an idea of the length of time necessary to repay not just the principal, but the interest, too. Your mortgage will likely need to be renewed a number of times when the amortization is taking place. You can always adjust it based on your financial circumstances or market conditions. The longer an amortization period is, the lower single payments are – mind you, the longer the amortization is the more interest you will pay throughout the amortization period.

Mortgage Term

A mortgage term refers to the duration a lender will issue funds to you for – they can last from 6 months or as long as 5 and sometimes 10 years. At the end of the term, any outstanding amount is to be paid in full. Exceptions are made when new financing and terms are arranged.
It can be quite a challenge to choose a term for your mortgage. You need to be somewhat knowledgeable about marketplace trends, in addition to knowing how much risk you are willing to take. If you select a six-month term, and there is a drastic increase in interest rates within that period, would it still be feasible for you to afford a house or condo?

Payments

Many mortgage payments are comprised of 2 aspects: interest and principal. This type of payment is called a blended mortgage. Every payment made minimizes the balance owing on a mortgage – a payment portion is credited towards the principal. As time progresses, your payments for portions that minimize the principal balance will go up. The quicker the outstanding balance can be paid down, the less overall interest you will need to pay. A number of approaches can be used to repay your mortgage quicker. Some of them include payment acceleration (for instance, making biweekly payments rather than by monthly payments; or making 26 payments a year rather than 24) and making mortgage principal payments/pay-downs in one lump-sum. Your lender will be happy to develop a suitable strategy that accommodates your unique situation.

Interest Rates

Interest rates substantially influence the amount of money you pay in total for your property. This includes monthly payments, as well as payments made over your mortgage’s lifetime. Interest is defined as the price of borrowing funds. As the economy fluctuates, so, too, do interest rates. An interest rate established at the start of a term can make a big impact on what your monthly mortgage payments will be. There are a couple of fundamental interest rate types used for mortgage products: variable-rate and fixed-rate:
Variable-rate mortgage – you have a couple of variable-rate mortgage types to choose from. With the initial type, the portion of payments you make each month fluctuate with a financial institution’s prime interest rate. If there is an increase in rates, there will be increases in your payments, too. Likewise, if there is a decrease in rates, then your monthly payments will be lower. The other kind of variable-rate mortgage features an ongoing payment. However, the amount of money allocated to principal repayment (as opposed to the interest) of the mortgage is on par with the prime interest rate of the bank. If there are interest rate increases, payments made on the principal will be reduced while your interest payment amounts will go up.
Fixed-rate mortgage – basically, this entails being locked into one interest rate that will stay the same over your mortgage term. This approach fixes the portion of monthly repayments made towards the principal and interest in form of a fixed payment. Fixed-rate mortgages are ideal in economies where interest rates rise, since there is no risk of making larger interest rate payments on your part.

Mortgage Types

Conventional mortgages – Conventional mortgages are appropriately named since they’re the most popular kind of mortgage. A lender will issue you as much as 80% of the purchase price or appraised value of a home (choosing the lower of the 2 options). You would need to use your own funds for the remaining 20%, which will be the down payment on the mortgage.

High ratio mortgage – If you don’t have a down payment of at least 20% that is necessary to obtain a conventional mortgage, high ratio mortgages can get you as much as 95% of the property’s purchase price or appraised value. With that said, because you will be borrowing much more than 80% (which is standard), the government will insist on insurance for the mortgage against default. You will be responsible for paying the insurance cost. The amount will likely be a small percentage of the mortgage total, which will be added to its principal.

Home equity line of credit HELOC – In this scenario, instead of getting a conventional or high ratio mortgage, the lender will register a line of credit against the deed of your property. The maximum most lenders will lend on a HELOC will be 65% of the value or the purchase price of the home (whichever is lower). Some property owners will opt for this option since it offers lower monthly payments and as a result, higher cash flow on their investment properties, minimum payment on HELOC products is generally interest only. For example, if you borrow $300,000 in form of a HELOC at 3% interest rate, your monthly payment will be 300k x 3% = $9000/year making the monthly payment $9000/12= $750/month. If we were to calculate the monthly payment on the same amount for a traditional mortgage at the same interest rate and a 25-year amortization, the monthly mortgage payments would be $1.357/month.

Third Step – Lender Selection

There are all kinds of mortgages and lenders available, such as the following:

  1. Your bank: they hold onto your credit cards, bank accounts, and investments. If all of these things are in good standing, banks are more inclined to provide you with a decent rate.
  2. Mortgage brokers: a mortgage broker has connections to several lenders. Brokers will speak to lenders representing you in order to secure the best terms and mortgage rates possible. For the most part, banks pay broker fees, so this is an optimal approach to shop comparatively without personally doing all the running around.
  3. Lait Al-Masri with RBC: this bank has competitive mortgage terms and rates, and they don’t work with brokers. Lait has provided service better than anyone we have ever come across, and he is available when you need him (as opposed to the average mortgage broker working 9-to-5 hours). If you happen to use Lait, be sure to let him know that you were referred by Big City Realty.

Be mindful that not every choice must be made prior to your search for a new home. The most important step is to get pre-approved by a lender – when you are pre-approved, you can start searching! Information about the rate, term, and your lender of choice can be determined (and altered) after the purchase – and right up until just before the closing of your sale (which is the day the home officially becomes yours). The more knowledgeable you are about your choices, the more prepared you can be on that day.

How the Team at BCRCan Assist With Financing

  • Keeping it real: we will assess financial considerations and coordinate them with what you’ll be able to realistically afford. Strategies will then be developed to aid you in getting what you can afford.
  • Surprise-free: we will go over homeownership costs, guiding you through financing and mortgage waters.
  • We have the best partners: we will connect you with the best mortgage brokers and lenders in Toronto.
First Step – Create a Wish List

The intimidation of mortgages is understandable, particularly for new homeowners. After you receive mortgage prequalification, you’ll have some fundamental choices to make. These choices must be made before possession of a condo or house can be taken, and they involve interest rates, amortization, mortgage type, and mortgage terms. Keep reading to learn what these terms mean. Feel free to use our convenient mortgage calculator for an estimate of what your monthly payments could potentially be.

Amortization and Mortgage Term

The amortization period and mortgage term determine the amount of funds available to you (and subsequently, the cost of the property you’ll be able to purchase). These two factors also establish how much you can expect to pay each month.

Amortization

There are not very many people who can repay a whole mortgage principal within 5 years, let alone six months. To achieve this, you would have staggering monthly payments. To provide you with assistance, mortgage payments are calculated over a longer period – sometimes by as much as a quarter-century! You aren’t being lent money for one 25 year term – lenders are simply calculating a payment timetable to give you an idea of the length of time necessary to repay not just the principal, but the interest, too. Your mortgage will likely need to be renewed a number of times when the amortization is taking place. You can always adjust it based on your financial circumstances or market conditions. The longer an amortization period is, the lower single payments are – mind you, the longer the amortization is the more interest you will pay throughout the amortization period.

Mortgage Term

A mortgage term refers to the duration a lender will issue funds to you for – they can last from 6 months or as long as 5 and sometimes 10 years. At the end of the term, any outstanding amount is to be paid in full. Exceptions are made when new financing and terms are arranged.
It can be quite a challenge to choose a term for your mortgage. You need to be somewhat knowledgeable about marketplace trends, in addition to knowing how much risk you are willing to take. If you select a six-month term, and there is a drastic increase in interest rates within that period, would it still be feasible for you to afford a house or condo?

Payments

Many mortgage payments are comprised of 2 aspects: interest and principal. This type of payment is called a blended mortgage. Every payment made minimizes the balance owing on a mortgage – a payment portion is credited towards the principal. As time progresses, your payments for portions that minimize the principal balance will go up. The quicker the outstanding balance can be paid down, the less overall interest you will need to pay. A number of approaches can be used to repay your mortgage quicker. Some of them include payment acceleration (for instance, making biweekly payments rather than by monthly payments, or making 26 payments a year rather than 24) and making mortgage principal payments/pay-downs in one lump-sum. Your lender will be happy to develop a suitable strategy that accommodates your unique situation.

Interest Rates

Interest rates substantially influence the amount of money you pay in total for your property. This includes monthly payments, as well as payments made over your mortgage’s lifetime. Interest is defined as the price of borrowing funds. As the economy fluctuates, so, too, do interest rates. An interest rate established at the start of a term can make a big impact on what your monthly mortgage payments will be. There are a couple of fundamental interest rate types used for mortgage products: variable-rate and fixed-rate:
Variable-rate mortgage – you have a couple of variable-rate mortgage types to choose from. With the initial type, the portion of payments you make each month fluctuate with a financial institution’s prime interest rate. If there is an increase in rates, there will be increases in your payments, too. Likewise, if there is a decrease in rates, then your monthly payments will be lower. The other kind of variable-rate mortgage features an ongoing payment. However, the amount of money allocated to principal repayment (as opposed to the interest) of the mortgage is on par with the prime interest rate of the bank. If there are interest rate increases, payments made on the principal will be reduced while your interest payment amounts will go up.
Fixed-rate mortgage – basically, this entails being locked into one interest rate that will stay the same over your mortgage term. This approach fixes the portion of monthly repayments made towards the principal and interest in the form of a fixed payment. Fixed-rate mortgages are ideal in economies where interest rates rise since there is no risk of making larger interest rate payments on your part.

Mortgage Types

Conventional mortgages – Conventional mortgages are appropriately named since they’re the most popular kind of mortgage. A lender will issue you as much as 80% of the purchase price or appraised value of a home (choosing the lower of the 2 options). You would need to use your own funds for the remaining 20%, which will be the down payment on the mortgage.
High ratio mortgage – If you don’t have a down payment of at least 20% that is necessary to obtain a conventional mortgage, high ratio mortgages can get you as much as 95% of the property’s purchase price or appraised value. With that said, because you will be borrowing much more than 80% (which is standard), the government will insist on insurance for the mortgage against default. You will be responsible for paying the insurance cost. The amount will likely be a small percentage of the mortgage total, which will be added to its principal.
Home equity line of credit HELOC – In this scenario, instead of getting a conventional or high ratio mortgage the lender will register a line of credit against the deed of your property. The maximum most lenders will lend on a HELOC will be 65% of the value or the purchase price of the home (whichever is lower). Some property owners will opt for this option since it offers lower monthly payments and as a result a higher cashflow on their investment properties, minimum payment on HELOC products is generally interest only. For example if you borrow $300,000 in form of a HELOC at 3% interest rate, your monthly payment will be 300k x 3% = $9000/year making the monthly payment $9000/12= $750/month. If we were to calculate the monthly payment on the same amount for a traditional mortgage at the same interest rate and 25 year amortization, the monthly mortgage payments would be $1.357/month.

Second Step – Choose a Toronto or GTA Real Estate Agent

This section is at the beginning for a reason – the initial steps to buying a house or condo in Toronto is to determine the amount of a loan a bank can potentially lend you. To get a mortgage pre-approval, The lender will assess your debts, income, and down payment. It is prudent to thoroughly optimize your prequalification before looking at properties, and the best way to do so is to receive a pre-approval for a mortgage. If you are pre-approved, it will be articulated as such in writing (your pre-approval will be valid for 3 or 4 months). You will be required to show proof of income and have good credit history. If you are pre-approved, you will receive a guaranteed interest rate.
A pre-approval doesn’t guarantee the issuance of a loan. Lenders need to feel confident that the money they are giving you to buy a home matches the value of a property. Financial institutions in the city of Toronto ask for home appraisals by independent parties prior to the issuance of mortgage funds.
Receiving a pre-approval will tell you how much money you can expect to receive from a lender. In having such a figure, you’ll have a price range to work with when searching for Toronto or GTA homes. Your house hunting endeavours can be limited to homes within your reach. Pre-approvals also bypass the uncertainty and risk of financing after you discover the home of your dreams.

Third Step – Using the Internet to Search for Toronto Condos and Houses

94% of people in Canadause the internet to search for potential homes. Although there are an assortment of real estate sites to choose from, here are some resources you may want toconsider using:

  1. Realtor.ca: this is a site the Real Estate Association owns. It puts together properties on the market using a system run by agents –the Multiple Listing Services, a.k.a. MLS. The website seems to be on a 24 to 48-hour delay, based on what’s taking place on the market. Nonetheless, realtor.ca is a helpful tool to see what’s available.
  2. Customized listings: you can ask a Realtor to send you listings of Toronto condos and houses that are currently available based on the criteria you give him or her. Ask the real estate agent to connect you to Collab, as doing so, you will have the ability to control your searches. You’ll get notifications whenever new listings are available instantly based on your search criteria.
  3. BCR search tool: though this option is a bit biased, the aggregates condo and house listings straight from MLS every two hours or so. It contains much more details than what you will see on realtor.ca. It is easy to create a customized search that you will receive automatic listings for based on criteria you establish. As such, you won’t have to worry about missing listings.

Suggestions for Browsing Homes on the Internet

  • Be open-minded. Pictures do not always indicate what the interior actually resembles.
  • Don’t believe everything you read. If you see something along the lines of “ready for a personal touch,” odds are the property will need plenty of work. If you see a listing that says something like “dream home in Forest Hill for less than $600,000,” odds are the home is in the Forest Hill vicinity (as opposed to actually in Forrest Hill).
  • Don’t forget –sale price and asking price are two different things. The Toronto real estate market is hot, and as such, most homes tend to sell for much more than their original listing price.
  • If you are looking for a condominium, be mindful of what maintenance fees cover, as fees vary for each building. Low maintenance fees might result in higher monthly expenses if electricity and heat aren’t included.
  • Figure out how MLS listings are to be read –the acronym sums or elf may be confusing if you’ve never been on the site before.
Fourth Step – Real Life House Hunting

Here is your chance to feel out all the neighborhoods in Toronto. Feel free to refine your list selections and make queries. A selection list can be beneficial in determining which properties are worth visiting. Some potential homeowners have an intuition about their ideal home. Granted, they’ll be swayed by a home that satisfies their wants and needs. Nonetheless, the potential of intuition shouldn’t be underestimated.

Homes on the market can be visited either during an open house or with a realtor. Be mindful that not every property hosts open houses. As such, an agent may be your only way of seeing a condo or house. With this method, you schedule a certain time to see a place, as opposed to an open house containing a designated window for mass visits.

Suggestions for viewing condos and houses in person:

  • Have a plan: the city of Toronto is quite big, meaning that it is full of unique neighborhoods. Concentrate on visiting neighborhoods one-by-one when making your rounds. Factor in the time necessary for parallel parking before you visit a home.
  • Carpool: if you are visiting condos and houses with a realtor, they should be the ones behind the wheel: that way, you can concentrate on taking in the neighborhood your potential home is in. If you are attending an open house, consider biking or walking to it. Finding parking when an open house is in the area can be time-consuming.
  • Wear footwear that’s easy to slip on and off: you will be slipping your shoes on and off consistently, so bypass the trouble of tying up your laces each time. Make sure you have socks on when your shoes come off.
  • Assess the neighborhood, not just the home: go for a ride around the vicinity. Figure out where the schools, grocery stores, and parks are. Take a stroll around the block and see what your neighbors are like. Visit a nearby café, pub, or restaurant close to the home.
  • When house hunting, timing should be varied: while things tend to look better under the sun, it is crucial to see what the condo or house (in addition to the neighborhood) looks like at night, too.
  • Take the good with the bad: not every neighborhood is perfect, so you will need to find a way to figure out what potential drawbacks are. If the home you have your eye on is situated near railroad tracks, determine when trains are most active. If you’re considering buying a condo close to Queen’s Quay, take a walk there in the peak of tourism (and when it tends to be filled with rollerbladers, bikers, and people on foot the most).
  • Take pictures and notes: it is easy to forget individual aspects of condos or houses when you’re looking at multiple homes. We provide clients with iPads so that they are able to take photos and notes of each property visited. Be mindful that you probably won’t have permission to take pictures of people’s households, but it does happen. If you do take pictures, refrain from sharing them on the internet.
  • Overlook the grossness: you may be taken back by the ways people live. However, someone’s outdated preferences, insufficient housekeeping, or poor decorative style shouldn’t influence your opinion.
  • Don’t get attached to anything belonging to the seller: this is more prevalent than you may think. The way the condo or house looks with someone else’s things in it may not look the same with your furniture. Visualize what the place will look like after you have styled it.

How the Team at BCR Can Be of Assistance When You Are Shopping Around For a Home

  • We can help you find what you’re looking for with the strongest potential for a return on investment. We will collaborate with you to assess your wants, needs, and essentials. We will then put together a concept of what the investment property or home of your dreams entails.
  • We will stay abreast of properties on the market in the neighborhoods of Toronto you’re interested in. You will be sent listings every day of what’s out there so that you can see what’s happening (and be updated about any relevant changes).
  • We will accommodate your schedule when you’re on the hunt for a condo or house. We will bring you to any property on the market (and occasionally, properties that are not)!
  • We can help you preserve time. We will send you previews of what to expect from a property before you even visit it, saving you a lot of hassle and time. We can visit properties on your behalf and give you a live stream of what we see. Alternatively, we can record video for you to check the place out from any device at your leisure.
Making Offers

At some point, your search for a home will come to a stop. You might have located the perfect home that fulfills your needs and wants. The price is within your budget, and you feel a connection to it. The process of making an offer can be both nerve-racking and exciting. We will start things by putting together an Agreement of Purchase and Sale – a document that is legally binding. It chronicles particulars of the deal, including the amount you’re willing to pay for the home, inclusions you desire (dryer/washer, dishwasher), when you want the deal to close by (a.k.a. your intended date of possession), and conditions that must be met to secure the deal. Once your offer has been submitted, the seller has the option to either reject it, accept it, or respond with a counteroffer. When these negotiations are happening, you might have to make a few compromises, but a qualified realtor will endeavor to get what you’re asking for. If you find yourself a part of a bidding competition, ensure you know how to handle yourself and make an offer too enticing for a seller to pass up.

Provide a Deposit and Meet Conditions

Conditions are described as necessities outlined in the Agreement of Purchase and Sale which need to be fulfilled in order for a deal to be accepted. Your offer should include financing terms or conditions that allow your attorney to go over the legal aspects of the home. A property inspection will also be a part of those conditions. From there, a deposit will need to be submitted. In the city of Toronto, deposits tend to be 5% of a purchase price. This amount is held in trust and released when the sale closes. After the conditions are acknowledged, the agreement will be solidified. All you have to do is find out when the closing date is. In the meantime, start boxing your things up!

How the Team at BCR Help You Get the Home of Your Dreams Through Negotiation

  • We have the best negotiation skills in the business.
  • When it’s time to negotiate, we will protect you. We do not succumb to intimidation or pressure, nor will we make any moves that you don’t feel comfortable with.
  • We will go over any fine print meticulously. There won’t be any mysteries involved with legal obligations and financing. We will look out for your best interests. Some people see us as a shield of armor that can be worn in battle (in this analogy, the battle would be the purchase of your property).
Overview

After a deal is firmly secured (the seller and buyer have reached an agreement on terms and price; a deposit has been submitted; and there aren’t any more conditions that need to be waived), the process of closing begins. During this time, you will need to stay connected to both your attorney and lender – both of them will require plenty of details (and your money, of course).

The three days before possession becomes official are quite critical. You will need to issue a certified cheque for the remaining balance, sign documentation, and pick up the keys to your new home.

Closing is described as the period where possession and ownership of a home are transferred to you from a seller. It commences once all financial and legal commitments have been addressed. Purchase closing is a group effort: your attorney, lender, and yourself will be part of the deal’s closure.

Closing Costs When Buying Real Estate

When you’re going through the motions of purchasing property, you will need to determine how much it will set you back financially. Your accountants, realtor, and lawyer can be of assistance in determining cost estimates. You can anticipate paying for the following:

  • Down payment (minus any amount that has already been issued by way of deposit).
  • Taxes for land transfer.*
  • Fees for lenders, if applicable (application fees, appraisal fees, and the like).
  • Adjustments (a seller might have utilities, prepaid taxes, and similar expenses owing after the date of closing that must be reimbursed during closing.
  • Legal expenses (applicable taxes may apply).

*If you purchase property in Toronto, a municipal land transfer tax will need to be paid, along with whatever the land transfer tax is in the province of Ontario.

Your attorney will calculate any final amounts owing. You must present your attorney with a cheque (certified) for the complete amount prior to taking possession of the property.

Be mindful that there are a number of programs offered by the government that can help you save a lot of money in closing costs when selling real estate for the first time (we’re talking thousands of dollars).

Overview

Locating the perfect home is an important move. We can help you simplify the process from start to finish.

We are the team at Big City Realty. Hundreds of homebuyers in Toronto like you have been assisted by us. We work collaboratively, and as such, numerous styles and skillsets are at our disposal. Each member of the team has a unique schedule, meaning someone is working for you around the clock. We will coordinate you with a suitable agent who can help you obtain what you’re looking for.

What You Can Expect When You Purchase With BCR
  1. We will ensure that you purchase a home right for you.

Scary basements and dark corners do not bother us. We aren’t afraid to look in every nook and cranny because we understand what separates bad houses from good ones. Our objective is to safeguard buyer interests above everything else. Feel free to capitalize on our expertise in houses, condos, and neighborhoods.

  1. You will not pay more than you need to.

Is now the best time to make a purchase? Are there neighborhoods in Toronto that are particularly hot right now? Will the home you have your eye on be a worthwhile investment? We understand the Toronto real estate market, and we aren’t afraid to tell you the truth. You can make decisions based on our established experience – each agent at BCR is within the top 5% of realtors in the city. Best of all, our comparative three-way analysis helps you establish fair market value.

  1. Our negotiation strategies are advanced, which is beneficial in helping you obtain your dream home without breaking the bank.

We understand what is necessary to get the place you want. Luck isn’t enough. An offer can be made with confidence using our:

  • Negotiation experts (who are certified).
  • Strategies to win bidding competitions.
  1. Our attention to detail keeps you protected legally.
  • The due diligence we perform before any offers are made is extensive.
  • We endeavor to produce flawless documentation.
  • We provide progressive legal expertise and can help you decipher things in fine print.
  • We ensure that you are always abreast of what’s happening. For more information about our communication assurances, click here.
  1. Locating the home of your dreams is only the start for us.

From the moment you search for a home to well after you moved into it, you’ll reap the rewards of our associations with:

  • Mortgage brokers and lenders
  • Handymen
  • Movers
  • Lawyers
  • Home inspectors
  • Home service experts

The concierge from BCR