Brandon McGee (506) 755-0916 Buy with Knowledge. Sell with Confidence.
Brandon McGee
St. Stephen, St. Andrews, St. George, Fundy Isles, NB
Phone: (506) 755-0916 Fax: 5064665429
Email Brandon

Why a Home Inspector?


A qualified home inspector combs a property’s visible and accessible areas to identify any health and safety problems, positive or negative conditions of the property and any conditions that need further specialized attention.

An inspection includes structural elements such as the roof, foundation, walls, windows, doors, insulation, basement or crawlspace and attic. Electrical, plumbing, heating and cooling systems are also part of a home inspection. It can even include examination of appliances and should also report any evidence of termites.

Once the inspection is complete, a home inspector provides a written, comprehensive report detailing any issues with the home.

The home inspector will not make the buying decision for you. An inspector can provide you with the information you need to help make that decision wisely. 

Some important things to remember about home inspection reports:

  • No home is perfect. It is not uncommon for a report to include 50 or more issues.

  • This is not “pass” or “fail.” The inspection gives you the information you need to decide whether or not to buy the home “as is” or negotiate with the seller to either fix (some of) the problems or reduce the price.

  • This is not a warranty. The report identifies issues found the day of inspection and cannot predict problems that may arise a few months or a few days down the road.

You Are Not a Home Inspector!
Home inspection is one of those jobs best left to professionals. Few of us have the expertise to identify electrical, plumbing and structual problems. Combine that with the emotional factors of buying a home, and it’s easy to see why potential buyers are not the ones who need to do the inspecting.
 

With that said, it’s a good idea to accompany your home inspector so you can ask questions and see the good and not-so-good for yourself. The home inspection is the perfect opportunity to become familiar with the house. Do not hesitate to ask questions. A good inspector will be glad to take the time to explain proper maintenance and operating procedures for many of the building components


Why an Insurance Broker?


 
 
 
 
 
 
Is Your 
Insurance the Right Fit?

 

 

 

 

 

 

 

MAKE THE RIGHT DECISION

Insurance is one of the most important purchases you will make this year. The majority of New Brunswickers make the right decision and choose an insurance broker. Why choose an insurance broker for your insurance needs? The reasons are clear.

YOUR NEEDS COME FIRST
A broker works with several insurance companies to find the policy that best fits your needs. Agents and direct sellers only offer the products from their companies and don't have the flexibility to find the right fit for you.Your NB Insurance Broker provides the best personalized insurance coverage for you.

EXPERIENCE
NB Insurance Brokers have the experience to handle any claim quickly and efficiently. They understand the stress when a loss occurs and are there for you when you need them most.

Your broker works for you, not the insurance company. They are at your side when you buy or upgrade your insurance or if you have to make a claim.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

THE VALUE OF OBJECTIVE ADVICE
Insurance brokers are business people whose success rests on your satisfaction with your coverage, price and service. It's in their interest to understand your needs and negotiate on your behalf for competitive premiums-even if it means approaching several companies to find the right solution. Because your broker doesn't work for the insurance company, he or she can also assist you with objective advice if you have to make a claim.

GET INFORMED HELP WHEN YOU NEED IT MOST
The insurance industry has become more complex with its own language of terms, legal issues and subtle details. You need a knowledgeable expert at every stage of the process to interpret all the rules and what they mean for you.Your broker's advice can also be invaluable as your insurance needs change and your requirements become more complex.

DON'T BE AFRAID TO ASK!
When it comes to insurance, there is no question too basic. If there is anything you don't understand, don't be afraid to ask us. We are here to help.

HOME INSURANCE QUESTIONS                                                     

 How Does My Policy Really Work? 
 What to do if my home is Unocupied
 How do I choose the right policy for my Home
 Does Having a Home Business affect my Insurance
 High Value Home Iteams

GENERAL INSURANCE QUESTIONS                                                

 What Is Insurance And Why Do I Need It?
 How Can I Reduce The Effects Of Fraud?
 Why Use An Insurance Broker?
 How Can I Minimize My Insurance Costs?
 Making a claim

BUSINESS INSURANCE QUESTIONS                                                

 Who Needs Business Insurance?
 What Extra Coverage Should I Be Aware Of?
 How Can I Reduce The Risk In My Business?

AUTOMOBILE INSURANCE QUESTIONS                                        

 How Much Is Enough Liability Insurance?
 What Do I Need To Get An Insurance Quote?


Why a Real Estate Agent?


A qualified, competent real estate agent will help you navigate the myriad of decisions that arise when buying and selling a home. An agent provides value to the homeowner in many ways.

Buying or selling a home is a major financial (and emotional) undertaking.

A real estate agent’s full-time job is to act as a liaison between buyers and sellers. This means that he or she will have easy access to all other properties listed by other agents. Both the buyer’s and seller’s agent work full time as real estate agents and they know what needs to be done to get a deal together. For example, if you are looking to buy a home, a real estate agent will track down homes that meet your criteria, get in touch with sellers’ agents and make appointments for you to view the homes. If you are buying on your own, you will have to play this telephone tag yourself. This may be especially difficult if you’re shopping for homes that are for sale by owner.

Similarly, if you are looking to sell your home yourself, you will have to solicit calls from interested parties, answer questions and make appointments. Keep in mind that potential buyers are likely to move on if you tend to be busy or don’t respond quickly enough. Alternatively, you may find yourself making an appointment and rushing home, only to find that no one shows up.

Many people don’t like the idea of doing a real estate deal through an agent and feel that direct negotiation between buyers and sellers is more transparent and allows the parties to better look after their own best interests. This is probably true–assuming that both the buyer and seller in a given transaction are reasonable people who are able to get along. Unfortunately, this isn’t always an easy relationship.

What if you, as a buyer, like a home but despise its wood-paneled walls, shag carpet and lurid orange kitchen? If you are working with an agent, you can express your contempt for the current owner’s decorating skills and rant about how much it’ll cost you to upgrade the home without insulting the owner. For all you know, the owner’s late mother may have lovingly chosen the décor. Your real estate agent can convey your concerns to the sellers’ agent. Acting as a messenger, the agent may be in a better position to negotiate a discount without ruffling the homeowner’s feathers.

A real estate agent can also play the bad guy in a transaction, preventing the bad blood between a buyer and seller that often can kill a deal. Keep in mind that a seller can reject a potential buyer’s offer for any reason–including just because they hate his or her guts. An agent can help by speaking for you in tough transactions and smoothing things over to keep them from getting too personal. This can put you in a better position to get the house you want. The same is true for the seller, who can benefit from a hard-nosed real estate agent who will represent their interests without turning off potential buyers who want to niggle about the price.

If you decide to buy or sell a home, the offer to purchase contract is there to protect you and ensure that you are able to back out of the deal if certain conditions aren’t met. For example, if you plan to buy a home with a mortgage but you fail to make financing one of the conditions of the sale–and you aren’t approved for the mortgage–you can lose your deposit on the home and could even be sued by the seller for failing to fulfill your end of the contract.

An experienced real estate agent deals with the same contracts and conditions on a regular basis, and is familiar with which conditions should be used, when they can safely be removed and how to use the contract to protect you, whether you’re buying or selling your home.

If you are working with a licensed real estate agent under an agency agreement, (i.e., a conventional, full-service commission agreement in which the agent agrees to represent you), your agent will be bound by common law  to a fiduciary relationship. In other words, the agent is bound by license law to act in their clients’ best interest (not his or her own).

In addition, most realtors rely on referrals and repeat business to build the kind of clientèle base they’ll need to survive in the business. This means that doing what’s best for their clients should be as important to them as any individual sale.

When a buyer and seller work together directly, they can (and should) seek legal counsel, but because each is expected to act in his or her best interest, there isn’t much you can do if you find out later that you’ve been duped about multiple offers or the home’s condition. And having a lawyer on retainer any time you want to talk about potentially buying or selling a house could cost far more than an agent’s commissions by the time the transaction is complete.

Many people eschew using a real estate agent to save money, but keep in mind that it is unlikely that both the buyer and seller will reap the benefits of not having to pay commissions. For example, if you are selling your home on your own, you will price it based on the sale prices of other comparable properties in your area. Many of these properties will be sold with the help of an agent. This means that the seller gets the keep the percentage of the home’s sale price that might otherwise be paid to the real estate agent.

However, buyers who are looking to purchase a home sold by owners may also believe they can save some money on the home by not having an agent involved. They might even expect it and make an offer accordingly. However, unless buyer and seller agree to split the savings, they can’t both save the commission.

The Bottom Line

While there are certainly people who are qualified to sell their own homes, taking a quick look at the long list of frequently asked questions on most for sale by owner websites suggests the process isn’t as simple as many people assume. And when you get into a difficult situation, it can really pay to have a professional on your side.