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Everything first-time and repeat buyers need to know about finding, financing, and purchasing a home in Bowmanville and across Durham Region.
Buying a home is one of the biggest financial and lifestyle decisions you’ll ever make. Whether you’re a first-time buyer or moving up to your next property, understanding the process will help you feel confident every step of the way. As a REALTOR® in Bowmanville and the Durham Region, here’s my step-by-step guide to making your home buying journey smooth and successful.
1. Get Pre-Approved for a Mortgage
Before you start house hunting, speak with a lender or mortgage broker.
A pre-approval tells you how much you can afford.
It shows sellers you’re a serious buyer.
It helps you budget for monthly payments, closing costs, and other expenses.
2. Define Your Needs & Wants
Think about what matters most to you in a home:
Location: Do you prefer Bowmanville, Courtice, Newcastle, or Oshawa?
Home Type: Condo, townhouse, semi, or detached.
Must-Haves: Number of bedrooms, bathrooms, garage, backyard, or proximity to schools.
💡 Tip: Make a “must-have” list and a “nice-to-have” list to stay focused during showings.
3. Partner with a REALTOR®
A REALTOR® is your advocate throughout the process. I’ll help you:
Access the latest MLS® listings and off-market opportunities.
Arrange showings that fit your schedule.
Identify potential issues before you fall in love with a property.
Negotiate the best price and terms for you.
4. Start House Hunting
This is the fun part! We’ll tour homes that fit your criteria. During showings, pay attention to:
Condition of the home and potential repairs.
Neighbourhood feel (parks, schools, shopping, transit).
Long-term resale value in Bowmanville & Durham Region.
5. Make an Offer
Once you’ve found the right home, it’s time to make an offer. I’ll guide you through:
Drafting the Agreement of Purchase and Sale (Form 100).
Deciding on conditions (financing, inspection, status certificate for condos).
Negotiating price, closing date, and inclusions.
6. Complete Due Diligence
After your offer is accepted:
Home Inspection: Ensures the property is safe and sound.
Lawyer Review: Your lawyer checks title, taxes, and legal paperwork.
Finalize Financing: Your lender confirms details and prepares mortgage documents.
7. Closing Day
On closing day:
Your lawyer transfers funds and registers the property in your name.
You get the keys — and your new home is officially yours! 🎉
✅ Final Thoughts
Buying a home in Bowmanville or Durham Region doesn’t have to feel overwhelming. With the right guidance, preparation, and support, you can find the perfect home that fits your needs and budget.