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Step 1 – Mortgage Pre-Approval Comes First
Before you look at homes online or attend showings, the most important first step is mortgage pre-approval. This tells you:
- Your true purchasing power
- Your estimated monthly payments
- Your interest rate protection
- How strong your offer will look to sellers
In competitive situations, a pre-approved buyer is taken far more seriously than one who is still “just looking.”
Step 2 – Choosing the Right Sarnia-Lambton Neighbourhood
Different areas serve different lifestyles and budgets. For first-time buyers:
- Central Sarnia – Character homes, walkability, and affordability
- North End Sarnia – Family-focused streets, parks, and newer subdivisions
- Corunna, Wyoming, and Petrolia – Smaller-town charm, great value, and strong schools
Your commute, lifestyle, future resale potential, and proximity to schools, parks, and amenities should all guide your decision.
Step 3 – Understanding Your True Costs
Buying a home includes more than just the purchase price. Buyers should plan for:
- Home inspection
- Legal fees
- Land transfer tax
- Title insurance
- Adjustments
- Moving costs
Planning ahead prevents financial stress at closing.
Step 4 – Showings, Offers & Negotiation
Once you find a home you love, your offer strategy matters. I help buyers:
- Analyze comparable sales
- Understand market competition
- Structure strong conditions
- Negotiate price, inclusions, and timelines
Advice for First-Time Buyers
- Never skip your home inspection
- Think long-term for resale value
- Don’t stretch your budget emotionally
- Work with a local expert who understands Sarnia specifically
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