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HOME BUYERS GUIDE 2022 - KELLY -

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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

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KELLY McKELVIE………………….........(403) 804-7793President, Real Estate Agent ….... Kelly@TheMcKelvieGroup.comPAUL MORRIS…………………................ (403) 804-6437Managing Director……….….................Paul@TheMcKelvieGroup.comRICK EASTHOPE…………………..............(403) 999-1397Real Estate Agent ..……………..............Rick@TheMcKelvieGroup.comJULIE BOUCHARD….…..……….............(403) 835-0783Real Estate Agent ..…………................ JulieBouchard@TheMcKelvieGroup.comJONN VANBRYCE….…..…………...........(403) 703-5668Real Estate Agent ………..…................ Jonn@TheMcKelvieGroup.comJAS AMROK..........….…..………….......... (587) 447-8778Real Estate Agent ………..…................ Jas@TheMcKelvieGroup.comRYAN HAWKINS.........….…..………....…(587) 582-4590Real Estate Agent ………..…................Ryan@TheMcKelvieGroup.comALAN GHIMIRE ..........….…..…………... (403) 816-9431Real Estate Agent ………..…............... Alan@TheMcKelvieGroup.comJULIE DOBSON….…..…………..............(403) 247-9988Office Manager..………..……............... Julie@TheMcKelvieGroup.comTRACY KEEN………………….…................(403) 247-9988Marketing Manager…………............... Tracy@TheMcKelvieGroup.comCONTACTOFFICE: 403-247-9988 FAX: 403-775-5203WEBSITE: www.TheMcKelvieGroup.com

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THE HOME BUYING PROCESS

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Pre ApprovalThe Home SearchWrite An OfferConditional SaleHome InspectionFinancingCondo DocumentsFirm SaleLawyerPossession

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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

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Shannon DeRosa Canadian Mortgage Lender Inc 403 805 6502 shannon derosa cmlmortgages com www shannonderosa ca Cheryl Sanguinetti The Mortgage Gallery 403 809 6217 cheryl themortgagegallery ca www themortgagegallery ca Jeremy Nagel Canada Mortgage Direct 403 242 5547 jeremy canadamortgagedirect com www jeremynagel ca Julie and Andy Jeffrey DLC Elevation Mortgage Calgary 403 828 8832 julie elevationmortgage ca andy elevationmortgage ca https elevationmortgage ca

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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

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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

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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

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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

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HOME CRAFTERS INC 403 292 1600 Toll free 1 888 881 8191 Email info homecrafters net www homecrafters net PILLAR TO POST 403 660 7678 Toll free 1 800 294 5591 Email bob pozniak pillartopost com www pillartopost com calgary LANRON INSPECTIONS INC 403 870 3081 Email lanron gmail com www lanroninspections com CANPRO INSPECTIONS LTD Larry Pineda 403 630 6992 Email lpineda canproinspections ca www canproinspections ca BOCC HOME INSPECTIONS LTD 403 585 6279 Email hello boccinspections com https boccinspections com JCHI HOME INSPECTIONS 403 606 4546 Email jchihome gmail com http www jchi ca ENCOMPASS HOME INSPECTIONS LTD 403 800 4724 Email Info EncompassHomeInspections ca https encompasshomeinspections ca

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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

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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.

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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

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ALBERTA CONDO REVIEW 403 498 7853 Email info albertacondoreview com https www albertacondoreview com contact 8 CDIC INSPECTIONS 403 228 6770 Email nina cdicinspections com www cdicinspections com CONDO CHECK 403 509 2250 Toll Free 1 866 929 2462 Email intake condo check com www condo check com CONDO MAX 403 278 7310 Email jj condomax info www condomaxinc com

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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

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LAWYERS RYAN MACKAY Diamond Diamond Lawyers 106 8060 Silver Springs Blvd NW Calgary AB T3B 5K1 Phone 403 800 8000 Fax 403 800 9000 Email albertadeals diamondlaw ca https diamondlawab ca real estate dev MARTIN ARKELL Arkell Law 4620 Manilla Road SE Calgary AB T2G 4B7 Phone 403 531 4155 Fax 403 532 2350 Email martin arkell law com https www arkell law com ALI TISDALL Kahane Law Office 7309 Flint Road SE Calgary AB T2H 1G3 Phone 403 225 8810 Fax 403 225 8289 Email info kahanelaw com https kahanelaw com RON THIBEAULT LeClair Thibeault Barristers Solicitors 106 2411 4th Street NW Calgary AB T2M 2Z8 Phone 403 245 3500 Fax 403 245 3357 Legal Assistant Corinne Lavelle Email CorinneL calgarylaw com http www calgarylaw com

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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:

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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

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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

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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!

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THANK YOU! Thank you again for choosing us to assist you in the purchase of your new home. Kelly McKelvieC: 403-804-7793O: 403-247-9988E: Kelly@TheMcKelvieGroup.comwww.TheMcKelvieGroup.com

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Kelly McKelvieREALTOR®kelly@themckelviegroup.comKelly has been a licensed REALTOR® since 1998, and is the TeamLeader and President of The McKelvie Group. Not one to sit back andwatch idly as her team has evolved into the top producing businessthat it is, Kelly works day in and out to ensure that all is runningsmoothly and all clients are taken care of in line with the highstandards of the group. With enumerable accolades includingCharmain's Club which recognizes the top 1% of all Royal LePageagents in Canada, there is no one more qualified to handling anytransaction than her. When asked what she enjoys most about whatshe does: " Successfully finding solutions to challenges for her clients-whether it is finding the right home, getting a home sold for the bestprice, overcoming obstacles during the negotiation process to close adeal, nothing is more satisfying than finding a solution that works foreveryone." A firm advocate of always doing what is right for the client,customer service is paramount to Kelly and it is this doctrine that isdistributed to the work ethic of the entire team.A mother of two, and grandmother of 4, Kelly enjoys splitting her timebetween business and watching her family grow. Travel is a keyelement in Kelly's life, which in turn gives her the distinct advantage oflearning other cultures and how to effectively manage transactionswith the international client.There is no listing or purchase too small or large for Kelly and herteam. Each client is treated equally and can expect to benefit from theexperience and customer service of The McKelvie Group.

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CLIENT REVIEWS What did we do well EVERYTHING They say you never get a second chance to make a first great impression and Kelly never needed one I knew she d be the one I would hire the moment she came to the house for the first interview Daniel C Kelly and her team are really kind and professional in their job They know the market and customers needs They would collaborate with customers to get the best result for their sales My sale with Kelly s firm was a desirable experience I would definitely recommend Kelly s team to my friends and those who have a plan to sell or buy a new home Ahmad Kelly was a great communicator during the process and very patient in allowing us space to make decisions Barry A Amazing job with social media photos and video Very good communication Really enjoyed working with Kelly Her energy and customer service are fantastic Patrick T Kelly did a great listing presentation Very professional Listing process went very smoothly Great photographer Julie was prompt with instructions throughout the process Debra

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CLIENT REVIEWS What did we do well Everything from start to finish Great experience What could we do better Nothing that I can think of If we ever sell in the future we would have no problems calling The McKelvie Group Thanks Kelly Peter and Diane B What did we do well We felt very supported by Kelly and her group They answered all of our questions and guided us in both selling our home and buying a great new home We couldn t have done it without her What could we do better I can t think of anything that didn t go well Erin Anthony P Kelly was prepared right from the get go She had all the stats and information ready for our first meeting We were very impressed The process was spectacular Kelly and Julie led the way so we just had to show up to sign documents and it was done RD The power of the Mckelvie Group Working with Kelly was an absolute pleasure She s an experienced professional who knows the market and communities she works in The best part is that when you hire Kelly to sell your home you get an entire team to support you throughout the process The Mckelvie Group exceeded my expectations and I m thrilled with the sold sign on my front lawn I highly recommend the team to anyone looking to buy or sell in Tuscany With gratitude Linda Linda

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IMPORTANTFORMS

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