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This guide is designed to to identify all of the steps inthe home buying process so you can feel confident tomake informed decisions and know that we are withyou every step of the way. Please take time to reviewthis information. Every real estate transaction isunique, so you will most likely have questions that arenot covered here. We will assist you through eachstep, answer any questions, and help you find thatright home.THANK YOUFOR CHOOSING THE McKELVIE GROUP
CONTACT OFFICE 403 247 9988 WEBSITE www TheMcKelvieGroup com KELLY McKELVIE 403 804 7793 President Real Estate Agent Kelly TheMcKelvieGroup com JEFF MACKINNON 403 860 9525 Real Estate Agent Jeff TheMcKelvieGroup com PAUL MORRIS 403 804 6437 Managing Director Paul TheMcKelvieGroup com RICK EASTHOPE 403 999 1397 Real Estate Agent Rick TheMcKelvieGroup com JULIE BOUCHARD 403 835 0783 Real Estate Agent JulieBouchard TheMcKelvieGroup com JONN VANBRYCE 403 703 5668 Real Estate Agent Jonn TheMcKelvieGroup com JAS AMROK 587 447 8778 Real Estate Agent Jas TheMcKelvieGroup com RYAN HAWKINS 587 582 4590 Real Estate Agent Ryan TheMcKelvieGroup com JOYCE HUANG 403 971 1588 Real Estate Agent Joyce TheMcKelvieGroup com STELLA MINAE KECK 587 580 8543 Real Estate Agent Stella TheMcKelvieGroup com JULIE DOBSON 403 247 9988 Office Manager Julie TheMcKelvieGroup com TRACY KEEN 403 247 9988 Marketing Manager Tracy TheMcKelvieGroup com
THE HOME BUYING PROCESS
Pre ApprovalThe Home SearchWrite An OfferConditional SaleHome InspectionFinancingCondo DocumentsFirm SaleLawyerPossession
The most important step in buying a home is determining a realisticexpectation of what you can afford.The first step is getting pre-qualified for your mortgage.If you already have a Mortgage then you may want to speak with yourexisting financial institution about your financing options. Can youkeep or “port” the mortgage that you have now, or should you get anew one? Another option to the traditional lender is to acquire the services of amortgage broker. A mortgage broker can negotiate favourable termsand rates on your behalf, and typically work with a concierge oflenders including mortgage financing companies. The broker’s feesare paid by the lender when your mortgage is released.Once you have established a price range, the home search begins.PRE APPROVAL
Jeremy NagelCanada Mortgage Direct403-242-5547jeremy@canadamortgagedirect.comwww.jeremynagel.caShannon DeRosaCanadian Mortgage Lender Inc.403-805-6502shannon.derosa@cmlmortgages.comwww.shannonderosa.caCheryl SanguinettiThe Mortgage Gallery403-809-6217cheryl@themortgagegallery.cawww.themortgagegallery.caDanica De Souza Lead Mortgage PlannerMortgageLinePowered by Mortgage Architects403-837-7463Danica@mymortgageline.cahttps://www.mtgfairy.com/
Where do you want to live?Remember to consider schools, shopping, churches, communitycenters, transit, and transportation to work when considering acommunity.Make a Wish ListIt’s time to decide what you want in a new home. Make a list of things that are must haves and things that would benice to have in your new home, such as number of bedrooms,bathrooms, upgrades, yard, basement development, garage etc…To help you organize your home search we will set you up on acustomized search based on your specific criteria. All new listingswhich come on the market that meet your criteria will deliveredthrough e-mail. When you see a home that excites you, we will set upan appointment to view it immediately.THE HOME SEARCH
LET'S REVIEW1. Initial consultation in our office2. Get a mortgage approval to establish how much you can spend3. Determine your wants and needs4. Customized search5. House hunting
When we find the home that best suits you, then it is time to makean offer.Step By Step Negotiating Process1. Purchase Price2. Goods Included3. Possession Date4. Conditions5. DepositMAKE AN OFFEROnce the negotiations are successful and both the Seller and theBuyer have signed the contract, we have a conditional sale.This time frame is rarely longer than a week and this is the time thata buyer has to do their due diligence such as have their financingapproved for the sale and to have a home inspection done on theproperty.CONDITIONAL SALE
We recommend a home inspection of every home. Buying a home maybe one of the biggest investments that you will ever make and it isimportant to know the condition of the home you are purchasing.Home inspections are done to ensure that you receive an objective,professional inspection that is free from conflict of interest. That meansthe home inspector is working for you – not for your real estate agent.Home inspectors are not contractors and they do not benefit from thesale or repair of a home. Your inspection should be unbiased andobjective.Having said this, it is also important to remember if you are buying apre-owned home, it is not going to be perfect. There will be normalwear and tear that comes with a pre-owned home. There may be smallissues that need attention. This is to be expected. The spirit of a homeinspection is to identify the larger issues – the costly inspection issuesyou were not expecting that may affect your decision to purchase thehome. If a home inspection should show something unexpected andyou would like to proceed with the purchase of this home, we will workwith the sellers and their agent to try and come up with a mutuallyagreeable resolution.HOME INSPECTION
NIR REAL ESTATE INSPECTIONSIbrahim Karaibrahimovic403-919-3336Email: IB@nirhomeinspections.comhttps://nirhomeinspections.com/ODDS ON HOME INSPECTIONChris Odds403-667-4924Email: chris@odds-on-cahttps://www.homeinspectionscalgary.ca/CANPRO INSPECTIONS LTD. Larry Pineda403-630-6992Email: lpineda@canproinspections.cawww.canproinspections.caLANRON INSPECTIONS INC.403-870-3081Email: lanron@gmail.comwww.lanroninspections.comBOCC HOME INSPECTIONS LTD.403-585-6279Email: hello@boccinspections.comhttps://boccinspections.comJCHI HOME INSPECTIONS403-606-4546Email: jchihome@gmail.comhttp://www.jchi.ca/ENCOMPASS HOME INSPECTIONS LTD.403-800-4724Email: Info@EncompassHomeInspections.cahttps://encompasshomeinspections.ca/
The lender will require documentation to verify the informationprovided on the application. It will vary depending on your situation. If you are on salary or paid hourly and guaranteed hours you will needa current job letter and pay stub. If you are paid hourly and not guaranteed hours or paid commission,you will need to send in your last 2 years Notice of Assessments and/orT4’s, as well as a job letter and most recent pay stub.If you are self employed you would need to business license or articlesof incorporation along with 2 years financial statements, T1 generalsand Notice of Assessments. If your down payment is from savings in your bank account, providethree months of bank statements. The statements must state youraccount number and name.If your down payment is from investments (RSP, GIC, Stocks, Bonds),provide three months of account statements with name and accountnumber showing.FINANCING
If your down payment is a gift, provide a copy of a gift letter and proofthat the gift has been deposited into your account.If you are separated or divorced you would need to provide theagreement.You will be required to provide a personalized void cheque from theaccount you want your payments to come out.Please note this is a standard list of documents, however the lender mayrequire more documents. If you already own a home and plan onkeeping it you will need to provide current mortgage statement,property tax statement and lease agreement if you plan on renting it.
When buying a condo, you willwant to review the documentpackage and examine all aspectsof the condominium complexyou are buying into. You may want to consider usinga professional who will assist youin this process.CONDODOCUMENTS
CONDO DOCS REVIEWJames Lam403-998-7888 Email: condodocsreview@gmail.comCDIC INSPECTIONS403-228-6770Email: nina@cdicinspections.comwww.cdicinspections.comCONDO CHECK403-509-2250 Toll Free: 1-866-929-2462Email: intake@condo-check.comwww.condo-check.comCONDO MAX403-278-7310 Email: jj@condomax.infowww.condomaxinc.com
A FIRM SALEOnce all conditions have been satisfied you can now "waive" orremove the conditions. When this happens, you now have a Firm Sale.CONGRATULATIONSAll the legal paperwork should be done through a lawyer who doesconveyancing - the legal side of buying & remortgaging property.Inform them that you have bought a home and when you will bemoving. They will tell you what they need from you, and you will becontacted 1 to 2 weeks prior to your possession date. Once you havechosen your lawyer, please contact your realtor and your financialinstitution with the name and phone numbers.LAWYERS
RON THIBEAULTLeClair Thibeault Barristers & Solicitors106, 2411 - 4th Street NW, Calgary, AB T2M 2Z8Phone: 403-245‑3500Fax: 403-245-3357Legal Assistant: Corinne LavelleEmail: CorinneL@calgarylaw.comhttp://www.calgarylaw.com/RYAN MACKAYDiamond & Diamond Lawyers106, 8060 Silver Springs Blvd. NW, Calgary, AB T3B 5K1Phone: 403-800-8000Fax: 403-800-9000Email: albertadeals@diamondlaw.cahttps://diamondlawab.ca/real-estate-dev/ MARTIN ARKELLArkell Law4620 Manilla Road SE, Calgary, AB T2G 4B7Phone: 403-531-4155 Fax: 403-532-2350 Email: martin@arkell-law.comhttps://www.arkell-law.com/LAWYERSCHARLES HOTZEL AND ASSOCIATES520, 1110 Centre St NE, Calgary, AB T2E 2R2Phone: 403-270-0660Email: info@hotzel-law.comAssistant: Shauna McIlmoyleEmail: shauna@hotzel-law.com
As soon as you know your moving date, you will want to arrange foryour mover or truck rental. To help ensure a smooth move, one of the best things that you can do isto make a master checklist of things that you will need to do.MOVING CHECKLISTArrange for a moving Company (We recommend getting 3 estimatesand reading reviews).Arrange for house and contents insurance, and send a copy to yourlawyer.Set up house taxes T.I.P.S. with the city of Calgary.Advise the post office of your new address & effective move-in date.Set up your telephone.Set up your gas.Set up your electric.Set up your cable TV & internet.Change address with banks & credit card companies.Change your vehicle registration & insurance.Change your address with schools, clubs, doctors, dentists & vets.Here are some important things to remember:
SHAW CABLE………………….….. 403-716-6000TELUS…………………………….…...403-310-2255ATCO GAS………………………......403-245-7888ENMAX……………………..……......403-310-2010T.I.P.S. City of Calgary…………..403-234-7480WEBSITES: www.calgary.ca - The City of Calgary Websitewww.cssd.ab.ca - Calgary Catholic School Boardwww.cbe.ab.ca - Calgary Board of EducationIMPORTANT PHONE NUMBERS
On possession day we will meet you at your new house.At this time we will do a walk-through and make sure that everything is inworking order and in the same shape as it was when you made the offer.Make sure that you check everything at this time, including all electricalappliances, the fireplace, toilets, jetted tubs, air conditioning and thefurnace, and make sure that everything is in proper working order. Ifsomething is not working, please tell us so that we can contact yourlawyer.Also need to make a note that although the time on the purchasecontract says that possession is at noon, keys cannot be released to thenew owners until the sellers' lawyer has received all the funds for thesale. On rare occasions, there can be a delay, and because of this, it is nota good idea to have a moving company or cleaning company booked tobe at the new house for noon. Once the lawyers have called us with thisinformation, we hand the keys over to you.NOW THE HOUSE IS YOURS!POSSESSION DAY
Even though you have moved into your new home, our job is notfinished. If you ever have any questions or concerns, please call us. We wantto make sure you are happy in your new house, and we want to dowhatever we can to make that happen.WELCOME TO YOUR NEW HOME!
Jeff MacKinnonC: 403-860-9525O: 403-247-9988E: jeff@TheMcKelvieGroup.comwww.TheMcKelvieGroup.comTHANK YOU! Thank you again for choosing us to assist you in the purchase of your new home.
Jeff MacKinnonREALTOR®jeff@themckelviegroup.comFormer sportswriter Jeff MacKinnon became a realtor in 2016 afterspending more than two decades tapping out stories for newspapers andmagazines across Canada covering every sport imaginable.Jeff hails from Dryden, Ontario and became a Calgarian in 2000. Alongwith playing hockey since the age of three, he took part in baseball andfootball growing up and reached the university level in his favourite sport,basketball. He has covered the NHL, CFL, many Canadian curlingchampionships, the chuckwagon races and rodeo at Stampede; andWorld Cup speed skating, luge and skiing competitions. Among his manymemorable experiences as a writer was the night he frantically scribblednotes for a deadline story while caught in the middle of an off-ice brawlbetween the Thunder Bay Senators and Muskegon Fury in the UnitedHockey League days.Clients often comment on Jeff’s respect for deadlines, his attention todetail and his ability to tell it like it is.Jeff's interest in real estate took off in 2009, when he and his wife Pamelabought two investment properties in Calgary – which they still manage.He is dad to two amazing daughters, and the whole family loves to travelwhenever possible. He's constantly begging them to come out to thedriveway and shoot hoops and sometimes they humour him and do sofor a few minutes.Jeff tries to get in a 45-minute walk each day, reads as much as timeallows, plays the saxophone and also obsesses daily about the holes in hisjazz collection. He owns golf clubs but they always have more dust onthem than dirt unfortunately. As a realtor he prides himself on honesty, loyalty and accessibility. If you want to talk about real estate or just want to vent about why yourfavourite team is horrible, you can reach him at 403-860-9525.
CLIENT REVIEWS"I chose Jeff to be my realtor, because he was so genuine. He helpedme through the sale of my townhouse, and the purchase of mycondo. He was so positive and helpful throughout the wholeprocess. I would recommend Jeff anytime." - Patricia"We’ve recently fully moved into our townhouse and are more thanhappy with it! Jeff helped us find our home and the amount ofpatience and hard work Jeff has put into making sure we are happywith our purchase is more than what we could ask for from arealtor! I am truly thankful for all of his help and I wouldrecommend him to anyone!"- Reiann"As a first time home buyer, everything felt so intimidating andoverwhelming at the same time. I could not have asked for a betterrealtor to help me through each step of the purchase process and Inever had any trouble reaching him regarding even the smallestquestion or concern. I can't sing his praises enough and hope moreindividuals hoping to buy properties in Calgary have the chance towork with him."- Donovan"Jeff was great he took care of everything and kept me very wellinformed though the entire process. I was very happy with how hemade the process and transaction so simple for me. I would behappy to recommend Jeff to anyone who is looking for a realtor."- Cam
CLIENT REVIEWS"I lucked onto Jeff while searching for a new condo/home in theCalgary area. New to Calgary, and searching on my own, Jeff wasvery supportive, patient and helpful. He knows Calgary and thesurrounding area well and was able to keep me pointed in the rightdirection. My budget was very low, but Jeff's efforts were consistentwith a client looking for a multimillion dollar home; always availableto answer questions and take me to viewings no matter how faraway."- Julie"Jeff is exactly what one wants in a Realtor. He is very personable,honest, and sincere, and always punctual. My husband and I werenew to the area so were very happy to connect with Jeff. Hisknowledge and patience were exactly what we needed while wefamiliarized ourselves with Calgary. He quickly understood ourneeds and helped us find exactly what we were searching for in anew home."- Pamela"My partner and I purchased a townhouse in Calgary and could nothave done it without the guidance that Jeff provided. He wasextremely responsive to our questions (as this was our first timebuying, we needed a lot of help) and through all of the informationand insight he provided, we found our perfect home."- Kaysha
IMPORTANTFORMS