Looking into Buying a Home?

I WANT YOU - to be represented by a Buyer's Agent.

Buyers in today's real estate market now have the ability of receiving the same information, loyalty, and service that previously was only offered to sellers of homes.

Buyer representation is an entitlement that normally costs nothing out of pocket.

Buyer Agency:
What I will do for you as your Buyer Representative

  1. Protect your confidentiality. No one will be entitled to know your secrets, personal information, motivation and urgency for buying or financing unless you give permission to do so.

  2. Familiarize you with the home buying process so you will be prepared and comfortable with moving ahead once you have found the home you would like to purchase.

  3. Commit to searching out homes that fit your needs and preferences. I will search the MLS at least twice daily for new listings, price changes, and BOM's that are worthy of your attention.

  4. Arrange for you to have access to all MLS data, including street addresses of all new and changed properties that fit your criteria.

  5. Arrange for showings of property per your instructions.

  6. Share information that I know or hear about regarding a property you are interested in--listing and previous sales history, how long on the market, price adjustments, research sale prices of comparable homes in the neighborhood.
  7. Share information that I receive regarding the seller's urgency and motivation to sell--you will know the difference between fact and heresay.

  8. Direct you to professionals associated with the buying process should you require it: mortgage brokers, lawyers, contractors, etc. I recommend only those who have received high marks for their service to previous clients of mine.

  9. I will keep track of your money, paperwork, and performance dates related to the sale.

In summary, as your Buyer’s Broker, I will watch out for your interests over anyone else's.


Shall I rent or can I buy?

I have created the following guide to make your decision a little easier.

Benefits of Owning Property:

  • Savings at Tax Time: For many, the purchase of a home is proving to be good tax sense. You can derive tax benefits whether you reside at your property or not.
  • Beat Inflation: A home helps you keep up with inflation. Although not all homes appreciate at the same rate, and some years are better than others, real estate has historically kept pace with, and usually appreciates faster than, the rate of inflation.
  • Build Toward a Secure Retirement: Tax laws presently give most married homeowners an exemption of up to $500,000 from capital gains tax on the profit they realize on the sale of a home they’ve lived in for two of the last five years. Unmarried homeowners can take a tax-free profit of up to $250,000.

Homeowners are a Recognized
Force in the Community

Homeowners are unique. When you live in a neighborhood or building that is owner-occupied, you and your fellow homeowners are more likely to make sure high standards are maintained by investing time, money and effort to increase property value and improve the community.

As an Owner, You Get Important
Income Tax Advantages

Your best interest: All interest paid on a mortgage is deductible for income tax purposes. In the early years of a mortgage, most of your payments are interest. Also, property taxes are often deductible and other special tax deductions such as Energy Credits are also available to homeowners.

How to look at mortgage interest rates: Don’t be fooled. You pay much less in interest than the mortgage rate of your loan, because the interest you pay becomes tax deductible.

Improvements You Make on
Your Home Pay You Back

A renter who makes property improvements does not benefit financially from those improvements at move-out times. However, homeowners can gain back some or all of the cost of the improvements they have made when selling their home.

“Trade-Up” value: Even if your first home isn’t your “dream home,” you are working your way up to it! With possible appreciation and some home improvements, it may provide you with enough equity to make a down payment on the home of your dreams.

Compare the Advantages
Rent Own
Deduct mortgage interest in calculating income tax?
 No Yes
Deduct real estate taxes in calculating income tax?
 No Yes
Build equity?
 No Yes
Hedge against inflation?
 No Yes
Improvements within the home contribute to future value?
 No Yes
Resale in years to come?
 No Yes
Property can be put in a trust?
 No Yes
Property can be passed onto your heirs?
 No Yes
Property can be mortgaged?
 No Yes
Voice in building management?
 No Yes
Fixed principal and interest payments that help stabilize monthly living costs?
 No Yes


How much rent do you really pay?
If Your Present
Monthy Rent is:
You will have paid the following amounts to your landlord...
3 Years
5 Years
10 Years
30 Years
30 Years
$800
$30,264
$53,046
$120,748
$317,433
$637,813
$1,000
$37,830
$66,308
$150,935
$396,791
$797,266
$1,200
$45,396
$79,569
$181,122
$476,150
$956,719
$1,400
$52,962
$92,831
$211,309
$555,508
$1,116,173
$1,600
$60,528
$106,092
$241,496
$634,866
$1,275,626
$1,800
$68,094
$119,354
$271,682
$714,225
$1,435,079
$2,000
$75,660
$132,615
$301,869
$793,583
$1,594,532
$2,200
$83,226
$145,877
$332,056
$872,941
$1,753,986
$2,400
$90,792
$159,138
$362,243
$952,299
$1,913,439
...assuming a rent increase of only 5% annually.

“David did a great job of educating us about the market and helped us determine a fair price for the fixer-upper we wanted to buy. We overcame a lot of obstacles with his help.”

- Yoko Miwa & Scott Goulding, Buyers



“Through some detective-style work, David uncovered some major assessments that were being implemented in the hi-rise building I was interested in buying into. He encouraged me to keep looking. A week later we saw a model unit in a new development under construction and I knew I had found my home.”

- Jasmin Alibalic, Buyer
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