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THE
NAKED HOMEOWNER
Real Estate Guide for Buying or Selling Houses in Canada
TABLE OF CONTENTS

INTRODUCTION

PART I – LAYING THE GROUNDWORK

THE PRODUCT

THE MARKET ENVIRONMENT
 Buyer’s Market / Seller’s Market / Balanced Market / Determining The State of The Market

PART II – THE SELLING PROCESS

ONE: ISSUES FOR THE SELLER
The Need to Sell / Mortgage Status / Current Home Condition / Cost of Selling

TWO: ESTIMATING VALUES & THE DECISION TO SELL
Steps to Reaching an Estimate / Calculation of Estimated Net Proceeds of a Sale / Mortgage Eligibility / Drawing Conclusions / The Decision: To Sell? or Not Sell?

THREE: LET’S LIST!
Timing / Private Sale? Or Retain A Realtor? / The Realtor Selection Process

FOUR: THE LISTING AGREEMENT
 Listing Price / Listing Duration / Commission Structure / Chattels and Fixtures / Signatures and The Property Condition Disclosure

FIVE: YOUR RESPONSIBILITIES
 Preparation for Sale / Staging Your Home / Standing By for Showings / Open Houses / Contact Availability /

SIX: THE MARKETING PROCESS
 Signage / Floor Plans / Photographs / Website / Brochure / Advertising

SEVEN: THE MARKET REACTION
 The First Two Weeks / Frequency of Showings / Realtor Feedback / Early Positive Signals / Early Negative Signals / Price Adjustment?

EIGHT: THE OFFER!
 Understanding The Offer / Price / Deposit / Inclusions / Completion, Possession, and Adjustment Dates / Conditions of Offer / Time Frames for Acceptance / Responding to The Offer

NINE: THE ROAD TO ACCEPTANCE
 Removal of Conditions / Inspection Results / Extension of Date for Condition Removal / Firm and Binding Agreement! / Conveying Title / Vacant Possession

THE SELLER’S 10-MINUTE SUMMARY

PART III - THE BUYING PROCESS

TEN: THE DECISION TO PURCHASE
 A Good Time to Rent? / The Case for Buying a Home / Size of Mortgage

ELEVEN: ISSUES FOR THE BUYER
 The Market Environment / Defining Your “Needs” / Defining Your “Wants” / Your Budget / Realtor or No Realtor?

TWELVE: SELECTING A REALTOR

THIRTEEN: YOUR SEARCH
 Your Approach / Narrowing The Focus

FOURTEEN: YOUR OFFER
 The Price / Deposit / Inclusions / Dates / Seller’s Covenants / Conditions

FIFTEEN: THE NEGOTIATIONS

SIXTEEN: SATISFYING THE CONDITIONS
 Buyer’s Conditions / Seller’s Conditions / Buyer’s Inspection Condition / Selecting a Home Inspector / Inspection Process / Buyer’s Financing Condition

SEVENTEEN: THE DEAL IS MADE!.

EIGHTEEN: THE FINAL DETAILS

THE BUYER’S 10-MINUTE SUMMARY

PART IV – ADDITIONAL INSIGHTS
 Agency Relationships
More on Mortgages
Buying Mortgage-Free
The First-Time Home Buyer
Buying or Selling a Strate Home
Buying A Newly-Constructed Home
Your Home as an Investment

POSTSCRIPT

APPENDICES
1. Realtor Rating Worksheet
2. Commission Side Letter
3. Calculation of Net Proceeds of Sale
4. Gross Debt Service Calculation
5. Total Debt Service Calculation

Chapter Sixteen

SATISFYING THE CONDITIONS

Both Buyer and Seller must keep in mind that:

A contract which has been accepted and signed by both parties is NOT final and binding upon either of them, until ALL conditions which were in the contract are satisfied, AND removed within the time frame set out in the contract.

As a Buyer, you must be as diligent in removing your conditions on a timely basis, as you were in negotiating the contract itself. Your considerations will include:

  • Buyer’s Conditions
  • Seller’s Conditions
  • Buyer’s “Inspection” Condition
  • Selecting a Home Inspector
  • Inspection Process
  • Buyer’s “Financing” Condition


The Naked Homeowner takes you through each of these key steps to ensuring that you are wise to proceed with your selected home purchase, while ensuring that you, and not the Seller, retains control of the process.

BUY THE NAKED HOMEOWNER! It will assist you in achieving a clear understanding of this important stage in the purchase process!




Real Estate Guide
The Naked Homeowner
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Concise step-by-step understanding of the residential real estate market.
Author Peter Dolezal paperback (softcover)
ISBN 1-4251-2521-2
Published by:
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Trafford publishing

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