Buyers Guide - Stouffville Realtors

Buyers Guide

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When you choose The Real Estate Ramani Team you receive the benefits of years of experience in the real estate industry. It’s the difference between hiring an average real estate agent and having your own personal guide who is there for you throughout the entire process of buying a home. Here is how the process works:

Step 1: Decision to Buy

Before you even go looking for a home, you have to understand your needs. Think about the type of place you’re looking for. Do you need 3 or 4 bedrooms and washrooms for your family? Do you want a pool in the backyard? What about location? Do you want to live close to school or shopping? These are just some of the things you have to consider before you look for a new home.

Types of Ownership

You have three basic options for buying a home. One will be best for you and your family:

  • 1. Freehold – you buy a house and own everything.
  • 2. Condo – you own the inside and pay the condo association to take care of the exterior and grounds.
  • 3. Co-op – similar to condo ownership, except you rent instead of buy, and pay a fee for repairs and maintenance.

After choosing the option that suits you best, it’s time to go home shopping, and it’s best to have professional help.

Step 2: Hire an Agent

There are thousands of real estate agents in the GTA, so how do you choose one that’s right for you? You need to shop for agents as carefully as you do for homes. This person or team of professionals will act on your behalf, so you need someone who is very knowledgeable, experienced, and above all, trustworthy.

Don’t settle for less than trained professionals who know how to negotiate the win for you in the current market conditions without over bidding. The differences between a mediocre and a great real estate agent are results, exceptional services,and personal assistance.

Step 3: Find your Home

Let’s locate your dream home! First, before you go shopping, make sure you are financially ready. You should have a definite budget in mind when shopping. To help you determine how much home you can afford, click here to use our handy home loan affordability calculator.

How much money can you afford to put down? Try to put as much down as you can. For example, a ten percent down payment is good but if you put twenty percent down or more, your payments will be lower and you may not have to pay for lenders mortgage insurance (which adds to your total costs). Also, getting pre-approved can eliminate many home shopping headaches and surprises, and greatly simplify the process.

Now comes the fun and exciting part, shopping for homes! You can search for homes online, check newspapers, and go to local open house events. But it’s so much easier to check out our Real Estate Ramani smart listings here on our website. Just click here to get there, and start your property search now!

Step 4: Make an Offer

Now that you’ve found the house you love, it’s time to make an offer. Not all offers are the same and here’s where your real estate agent comes in. The Real Estate Ramani Team helps you with all the terms and conditions like the price you want to pay, financing terms, and things like inclusions and exclusions. Most importantly we help you win without over paying!

Step 5: Closing Time

In order to finalize the sale, a closing has to be scheduled. Certain costs must be paid ahead of time or on the day of closing, movers need to be organized, arranging of the keys etc … The Real Estate Ramani Team is there for you at closing time to guide you through the process, and before you know it, you will be ready to move in to your new home.


Imraz Ramani Real Estate Realtor

RE/MAX West Realty Inc., Brokerage

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    Alyssa Notta
    Alyssa Notta
    gayathri krishna
    I would like to thank Imraz and his team for the all the work they have done to make our dream come true. What ever I have put down here is very much less than what you guys as a team did. Appreciate all your help. Above and Beyond As a first time home buyers, we had so many questions and concerns, Imraz was so patiently guided us when is the correct time to go ahead and always provided right information and helped us in making our decision. He and his team worked tirelessly to get our things organized and sorted even after our deal was closed. He and his team was always ready to get the necessary information that we requested.They just exceeded and went beyond our expectations through this process. I will recommend him to anyone who is looking for a property
    gayathri krishna
    shatrav tej
    For a first time home buyer, Toronto's real estate market can be really intimidating. Having already done considerable online research, I still had several unanswered questions and was looking for a professional to talk to. This is when I met Imraz who gave me an insider's perspective of the market and the things to be aware of when purchasing. Since I wasn't in a rush, Imraz took the time to show me tens of properties over the course of a year so I have considerable information to make the right choice. He was always enthusiastic even after a long day's work and loaded me with information during every visit. The relation Imraz builds with his clients is truly appreciative. Over the past year, Imraz has provided me several friendly and personal pieces of advice but at the same time made sure I was never compelled or rushed to make a decision. After my offer has been accepted for a property, the admin team has been prompt in their emails with documents and follow-ups to ensure a smooth closing. With the quality of service I received, I've recommended Imraz to several of my friends and their friends who were looking to both buy or rent properties. I would definitely recommend the Ramani group for anyone hoping to get into the real estate market.
    shatrav tej
    Elsie Xynos
    Working with Imraz Ramani and his team was an awesome experience! Selling your home is always a stressful time, full of questions and worry and decisions. Imraz took the time to truly listen to our needs and worked with us to create a sales strategy that was best for us. He went above and beyond the standard realtor expectations, worked tirelessly to get my Mom's condo ready to sell and made sure we were kept in the loop every step of the way. The condo sold in less than two weeks at significantly above the asking price .I would highly recommend working with Imraz Ramani. He is honest, hard working and passionate about what he does! ~ Elsie & Mary
    Elsie Xynos
    We highly recommend Imraz and his entire team. Having dealt with a number of realtors now after a long home search, he is a cut above the rest. Imraz was recommended to my husband and I through friends. From the moment we met him, he was professional, precise and always generous with his time. My husband and I were first time home buyers, and Imraz took his time explaining the process to us right from the outset. We went for a few home viewings over the course of a month before we realized we hadn’t talked “money.” Imraz quickly told us that his job was to find us a home we liked, and that was it. No complicated talk of contracts or money... The good: Irma has a wealth of experience, is patient (can’t emphasize this enough), respectful of time, detail-oriented and thorough. He has a calm demeanor and isn’t aggressively trying to ‘make a buck.’ The great: Imraz and his team take care of details from start (viewing the home) to finish (moving in to your new home). They continue to follow up one year on after we’ve bought the home, to check-in if there’s anything we need. Imraz is quick to respond to questions we may have, even though we are no longer his “client.”
    3G Farms
    From start to finish Imraz and his team were there handling all the small details. Professional and attentive to any concerns we had, which were addressed straight away. Thank you for delivering on everything we agreed to and providing an easy and smooth transition from selling to buying our new home. Highly recommend if you are looking for a realtor who is not just professional, and has your best interest in mind, accurate and will deliver, then Imraz is that guy.
    3G Farms
    Rehana Karmali
    Dear Imraz, my wholehearted thank you to you and your team for,  not only renting out the River City property in such an amazingly short time, but the manner in which you took on the entire process. It was simply superb! You communicated with the old tenant to ensure that her move out was smooth. You identified the maintenance work that needed to be done and oversaw the maintenance through your resources. You worked with the new tenant and made sure that he moved in without any issues and he was happy. And finally, during this entire process, you kept us informed and sought our approval before any expenses were incurred. I have done many real estate transactions over the years and I must tell you that I have never come across an individual who is as professional and caring as you. You can rest assured that I will be conducting all my future transactions through you. I will also recommend your team to my family and friends. Once again, thank you for your fantastic service. I wish you and your team lots of success in the future. With Best Regards - Azim and the Karmali Family
    Rehana Karmali
    Tasnim Shariff
    We’ve used Imraz’s services multiple times and will continue to do so in the future. They are friendly, quick to respond, and knowledgeable. I highly recommend him and his team for your real estate needs.
    Tasnim Shariff
    Alexey Shumkin
    From start to finish, Imraz and his team have taken full accountability of the process. From the first consultation, until the end of our move, every step of the process was treated with utmost attention to detail and thorough follow up, making the whole experience for us completely headache free and a breeze! Having met with multiple realtors at the start of our sale, Imraz stood out amongst all others by not only having a most thorough home evaluation and pricing model, but the best and most competitive sales strategy to stand by his numbers. Imraz inspired confidence by going far and above our expectations in his marketing, customer outreach and sales exposure approach. With undiminishing enthusiasm, Imraz was there for us every step of the way, hour of the day and day of the week! Imraz and his team took the time to explain every detail of the process, and prepare us for everything to come ahead! We were a first time home seller and found the entire experience of working with Imraz and his team an absolute pleasure! Imraz and his team have not only met, but exceeded every expectation we had going through this process. I would not only recommend Imraz and his team to family and friends, but look forward to working with them again in the near future!
    Alexey Shumkin
    Nevin&Nadir Kassam
    It is our absolute pleasure to have the opportunity to recommend Imraz Ramani, a truly exceptional real estate agent. It is rare in this day to find a person with an impeccable work ethic, who is hard working, honest, and who possesses a sincere desire to deliver exactly what his clients are searching for. If these are the qualities you seek in a realtor, you have found them in Imraz. Imraz provides the highest quality of service, is extremely well versed in the industry as a whole, and brings remarkable knowledge of the Ajax/Pickering market. During our extensive search for a realtor, Imraz diligently strove to present us with endless ideas on ways to maximize the sale of our house, always maintaining an enthusiastic approach and outlook. He arranged for the upgrades to our house, physically helped us de-clutter our home of 25 years worked hard every day to sell our house. He staged our house with class, so much so that it sold in 1 week for 99.9% of asking. His experience was also evident in how he approached the negotiations of sale where his level headed approach got us exactly what we wanted. In addition, he has numerous contacts that makes selling your house an easy and wonderful experience. We whole heartedly recommend Imraz with reservation. He is the best, he will sell your house and you will have a smile throughout the whole experience
    Nevin&Nadir Kassam