Advantages of Having a Buyer's Agent:

When you work with Jennifer Huseby as your agent, she will promote and protect your interests, give you her undivided loyalty, obey all lawful instructions from you, keep your confidences, exercise reasonable care and skill in the performance of her job and account for all money and property she handles for you.

♦ Agent Loyalty: Jennifer acts in your best interest at all times.
♦ Confidentiality: Jennifer keeps all of your personal information a secret.
♦ Full Disclosure: Jennifer tells you all information known about the properties in which you are interested.
♦ The Best Property: Jennifer finds the most suitable property for you.
♦ The Best Price: Jennifer is an expert in negotiation.
♦ The Least Time Spent: Jennifer locates and prescreens properties from the entire market.
♦ Minimum Inconvenience: Jennifer negotiates on the Buyer's behalf.

HOME PURCHASE CLOSING COSTS:

UPFRONT COSTS

• Appraisal Fee, if applicable
• Deposit with Offer
• Down Payment
• Home Inspection Fee
• Legal Fees & Disimbursements
• Property Tax Adjustment
• Property Insurance
• Survey or Title Insurance
• Property Transfer Tax (BC PROPERTY TRANSFER TAX): BC real estate buyers must pay a property transfer tax, which is calculated based on the following formula: 1% on the first $200,000, and 2 % on the remaining purchase amount. First-time buyers may qualify for a waiver on homes purchased for $475,000 or less, while the cut-off is $500,000 for other BC home buyers.You may qualify for a partial exemptionfrom the tax if the property has a fair market value less than $500,000.

OTHER COSTS

• Appliances if appliances are NOT included in SALE)
• Window Treatments
• Moving Expenses
• Renovations/Repairs
• Service Hook-up Fees

Home Buyer Plan

• Plan is for First Time Buyers or homeowners building their first home. Funds withdrawn from RRSPs are designated into a Home Buyers Plan account.
• Each RRSP owner can borrow up to $25,000 from their RRSP accounts.
• Funds not restricted for down payments only, can be used as part of closing costs or any other purpose.
• First payment not due until 2^nd year repayment is over a maximum of 15 years, not interest.
• Minimum payment due each year is 1/15 of original amount borrowed, if no payment made, added to income for that year.
• RRSP funds must be invested for a minimum of 90 days prior to withdrawal and must be used by October 1 of the following year

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