First Time Home Buyer's Guide – Step by Step Home buying Procedure:
FIRST TIME HOMES BUYERS GUIDE - HOME BUYING TIPS
If you're First Time Home Buyer and thinking of buying your dream home in York Region, Vaughan, Maple, Woodbridge, Kleinberg, Concord, Thornhill. Etobicoke, Markham, Mississauga, Richmond Hill, Brampton, Kind City, Bradford or anywhere in Greater TORONTO ONTARIO my 10-Step Plan will definitely help you to understand step by step procedure of buying home before you jump right in. However, you have to make sure three really significant things are ready: (1) You are fully motivated (2) You are financially prepared (3) and the Real Estate Market is favorable.
Step 1: Make sure you are fully motivated to buy your dream home - Buying a Home anywhere in the world, is most expensive and one of the best investments in your life you have ever made. Owning the roof over your head will bring you great pride of ownership, but with that pride you have to take some more financial responsibilities and long time commitment. In addition, buying a home will also require constant care and upkeep. That's what real pride of ownership is all about. Think many times and take a look on your financial liability that you are capable and comfortable to take more financial responsibilities.
Is your bank account ready? Buying your first home will be the biggest financial obligation you've ever had in your life. Make sure you have sufficient funds available in your Bank Account to make your down payment and closing costs. You can buy a home in Ontario Canada as low as 5% down payment of your purchase price. However, more you pay is better to keep your monthly payment lower. Make sure handy funds are available in your account to make your minimum 5% down payment and approx 1.5 % closing cost which is (Land Transfer Tax, Home Inspection fees, Moving cost, sometimes Appraisal fee if bank needed, Adjustments, Lawyer fees package usually includes: title transfer fee, title registration fee, title search fee, buying title insurance, charge disbursement, charge registration, photocopies, courier, etc).
Is now a good time to buy? Here's the hottest market tip you'll ever get - Markets go up - markets go down and even the smartest champions can't accurately predict when a market will go on peak or bottom out. The good news is, if you're buying a home in Vaughan Ontario as a long-term investment (and for long-term enjoyment), you're protected from short-term changes in the market. Over time, real estate has almost always increased in value everywhere in the world.
Step 2: Figure Out How Much You Can Afford- Prior to start looking for your dream home in your desired neighborhood find out how big you can dream and calculate how much you can afford monthly Mortgage Payment. After knowing your monthly mortgage payment don't forget to add up other expenses i.e. Hydro/Power, Gas, Hot Water Tank Rental, TV Cable, Internet, Maintenance, Home Insurance and Property Taxes, Condo Maintenance Fee. Making a true budget and knowing exact monthly cost and affordability is the first and most important step in buying a home.
Find out how much will a bank lend you? - It all depends on how much you can afford each month. This is determined by using two lending principals. The first lending principle is that your monthly housing cost should not exceed 32% of your gross monthly family income. This principle is known as the Gross Debt Service (GDS) ratio calculation. The second lending principle used, the Total Debt Service (TDS ) ratio calculation, is that your monthly housing cost and payments on all of your other debts (including loans, credit card and lease payments) should not exceed 40% of your gross monthly income.
Step 3: Decide What You Want to Buy- First decide where are you willing to live?
Urban - The big city and developed city like Vaughan, Maple, Woodbridge, Kleinburg, Concord, Thornhill, Richmond Hill, Brampton Markham, Mississauga, for sure the prices are generally higher than suburban but you can have some convenience walk to a Restaurant, Shopping Malls, Grocery Store, Public Transport, School and maybe even to work. You'll also have the widest range of housing options for sale like Condo for Sale, Condo Apt for Sal, Condo Townhomes for Sale, Stackable Town House, Semi Detached Homes for Sale, Detached Homes for Sale.
Suburban -Newer schools, newer shopping centers, bigger yards, bigger homes, no wonder so many people love the suburbs. But if you work in the city, be prepared for lots of rush hour traffic. It's a packaged deal. Smaller Cities and Towns - There are many wonderful self-contained communities, and compared to the big city, you can save a bundle. Rural - If you like the idea of owning land, how about a few acres all to yourself? Seclusion is not for everybody, but for some, it's heaven.
Next, decide what type of home you want - By now, you probably have a good idea of what type of home is right for you and your family. To familiarize you with the terminology, here's a quick overview:
Single-family Detached Homes - As the name implies, the home is not attached to the home next door. Styles range from a single-story, Two Storey, Three Storey, Suburban Bungalow. Semi-detached Homes or linked Homes- Two houses that share a common wall. Typically cost less money to build than a fully detached house. Duplex or Triplex - A two-storey or three-storey home, with each floor has separate unit with separate entrance owned by a separate family. Town house / Townhomes - Several homes with a common style joined in a row. They usually share walls on both sides.
Condo - An upscale version of an apartment with common elements Maintenance fees usually apply. Buying a Condo also make a great first home purchase because they're often thousands of dollars less than a detached home. In Condo you own 100% of your unit, and a share of the common areas. Common areas include the necessary plumbing, electrical systems, hallways and elevators. They may also include lots of fun stuff like a private gym, swimming pool, playing area or party room etc. Condo fees - Membership has its privileges, and it costs. On top of your mortgage and property taxes, condo owners also pay a monthly fee to operate and maintain the common areas. Be sure to look into condo fees, and how well they're managed, before signing anything.
Decide whether to buy New Homes or Resale Home? Resale Home Previously loved - Nothing can match the charm and quality of a resell homes. As a bonus, the previous owner may have made improvements and upgrades and you get them with the house, usually for less than the cost of putting them in yourself. However, some may have a little repair issues like a leaky roof, wet basement, furnace, A/C, electrical and plumbing issue. You should always consider through home inspection with a competent home inspector before buying a resell home.
Ahh!!! New house smell - Buying a new hame is amazing experience - You will be the very first person to live in your new home. In fact, your new home may be so new, that it's not even built yet. You have the luxury of customizing your home to your décor tastes. But when you move in, be prepared for constant touch-ups by your builder; dust, mud and unpaved roads if your area is still developing; and shifting and settling of your home (cracks and popping nails) within the first year. Before you commit to anything, carefully examine the property, the blueprints and visit other homes built by the same building company. Check to see you like the finishes they offer and the craftsmanship and quality of their work. Have your REALTOR® and lawyer review everything before you sign. While your home is being built, stay on top of the process and remember, you have a legal right to make a full inspection of the house before you accept it as complete.
You usually know what you want, but remember to focus on needs - Are you getting out of a two-bedroom apartment and willing to buy Semi Detached Home or Townhouse because it's too small? Then your new home should have at least three bedrooms, and probably a second bathroom. REALTORS® call these must-have features "needs". Features you'd like to have are called "wants".
You know how much money you have, and you also have a good idea of what you want. And what type of property you can afford in Vaughan either Semi Detached Home, Detached Home, Freehold Townhome or Condo Townhouse. Now you need the help of a real pro, to make your search a success.
Step 4: Work with a Realtor® that is Right for You - Find a good Realtor and Sign a Buyer Representation Agreement so that you will be treated as a Client. IN CANADA REALTORS are Highly trained and licensed. REALTORS® are members of their local real estate board, a provincial association and The Canadian Real Estate Association. This system of membership ensures the highest level of service and that you are always treated with honesty and integrity. This is backed by the REALTOR® Code of Ethics.
The Three REALTOR® Relationships - The relationship between a real estate brokerage and a client is called "Agency" and there are three major kinds:
1. Seller (Vendor) Agency - The real estate brokerage and all its REALTORS® represent the seller exclusively and it's their job to get the best offer on the home. They are legally obliged to tell the seller anything known about a buyer. For instance, if a seller's REALTOR® knows a buyer will pay more for a property, they must tell the seller.
2. Buyer (Purchaser) Agency - The real estate brokerage and all its REALTORS® represent the buyer exclusively. They seek out homes that meet the buyer's needs and help assess the merits and defects of potential homes. They keep the buyer's information confidential and never disclose information like the maximum amount their buyer is willing to pay. You may be asked by your REALTOR® to sign a buyer agency agreement. In fact, in some provinces, REALTORS® are required to ask you for your own protection. This agreement ensures that the REALTOR® and the brokerage can look after your best interests.
3. Dual Agency/Multiple Representation - Sometimes, a brokerage may have an agency relationship with the buyer and the seller. Both the seller and the buyer must give their informed consent, and the REALTOR® must always provide full and timely disclosure of all pertinent information to both parties.
SELECTING A REALTOR®- There are so many ways to find a REALTOR® in your prospective area. As you drive through prospective Vaughan, Maple, Woodbridge, Kleinberg, Concord, Thornhill, Richmond Hill, Brampton Markham, Mississauga neighborhoods, jot down the names and numbers of REALTORS® on the ‘For Sale' signs. Google is a good tool to find realtor on line in your prospective area. Open Houses are a great way to meet face-to-face. Maybe friends or family members have worked with a REALTOR® they love. Interview two or three and pick the one you like best and stick with him.
How REALTORS® help buyers like you - A REALTOR® will review your list of wants and needs to help you determine your price range than look for House for Sale as per your criteria.
Answer questions about the markets you're interested in and help you compare homes and neighborhoods.
Use the local Multiple Listing Service (MLS).
The MLS is the single most powerful tool for buying and selling a home. Your REALTOR® will give you access to exclusive features of the MLS system that the public is not privy to.
Preview properties to ensure you're only shown homes that meet your needs and budget.
Make appointments and walk you through potential homes, answering all your questions.
Give up-to-the-minute information on financing and explain your mortgage options.
Negotiate with the seller, smooth out any potential conflicts and draw up a legally binding contract.
Stick with your REALTOR® - One dream, one team. The REALTOR® you select will become an expert on your specific needs and tastes. Scattering your time and energy amongst multiple REALTORS® will work against your goal of finding your best home. And because most REALTORS® have equal access to the same property listings, there's no real advantage to having multiple REALTORS®.
Step 5: See what's Out There for you - Now it is a Time for you and your REALTOR® to find that perfect home. Read all Homes for Sale Ads - Start reading real estate ads in local Vaughn news papers, or visit http://www.mls.ca/. www.remax.caLet your REALTOR® know what you like. Visit areas you are considering and get a feel for them. Make note of the surrounding schools, shopping and recreational areas. Keep an eye out for not-so-great things like large industrial areas, railway tracks, high-voltage power lines and airports. Visit during the day and at night. Open Houses - ‘Open houses' are a great way to see inside the homes of your potential neighborhood. The hosting REALTOR® probably knows the local market inside and out, and will be happy to answer the questions that are bubbling up inside you - don't be afraid to ask. House hunting with your REALTOR® - hunting smarter - If you've been very good, you've armed your REALTOR® with your Dream Home Checklist. Even if you've just talked about it, your REALTOR® knows what you're looking for. If you and your REALTOR® have done your homework, and used MLS listings to scout ahead, you only need to visit a handful of homes to make an informed and wise selection.
Walking through a potential home is a thrill, but try not to lose your head. Don't let a giant kitchen island or swanky hot tub distract you from your real goal, finding a home that meets all your needs and fits your budget.
Step 6: Sell Your Current Home - If you have house to sell it first don's stuck with two house, Not many people can afford two homes, so you'll definitely need to sell the home you have now.
Decide when is a good time to sell your home - Buyer's and seller's markets explained - When there are lots of people looking for homes but not many for sale, this is called a "seller's market" because the seller has something everybody wants. When there are lots of homes for sale and not many people buying them, this is called a "buyer's market" because buyers have more power of choice.
If you're selling one home and buying another, you don't really have to worry about market trend. If you sell your existing home for a ‘low' price, you're probably also buying at a low price. If you are upgrading to a larger home then obviously you have to pay some more, this actually works to your advantage. Imagine when your bigger home is on the upswing. However, winter time is slower than spring. Regardless, genuine buying and selling never stops no matter what the season is. Seasonality is one of many factors to consider,
Buy first or sell first? The eternal question - Many people are able to time their sale and purchase so they happen on the same "closing date". Buyers can make their offer "conditional" on the sale of their existing home; to make sure they're not left paying for the upkeep of two homes. When selling, you can try to extend the "closing period" to give yourself more time to find your next home. REALTORS® are very skilled at this sort of negotiation, and can make your transition a lot easier.
Sell with a REALTOR ®, or go it alone - In the same way that many people decide not to fix their own cars or do their own dentistry; it's wise to hire a professional when selling your most valuable asset. Real estate transactions are complex, time consuming and involve a lot of legality. Finding your new home and changing your life is hard enough! Your REALTOR® is expertly trained and highly qualified to get you the most for your home. When it comes to buy he can negotiate best price for you.
Step 7: Arranging a Mortgage- Arranging a Mortgage is the most important of buying process. Money makes the world go round, and a mortgage gives you the power to buy a home. There are hundreds of banks, credit unions and other lenders out there who would love your monthly mortgage payments. Talk to your REALTORS® they are very knowledgeable about Mortgages and have lots of good advice. And ask you REALTORS® to arrange an appointment with mortgage broker. They are specialized in finding lower rates, arranging financing and finding best rate is their bread and butter and they usually don't get paid unless financing is approved and deal is closed, so they're highly motivated to get you the best deal.
Mortgage Terminology: Amortization - The length of time that takes to be paid off the whole mortgage is call amortization. Maximum 35 years term of amortization is available right now. The longer your amortization, the lower your monthly payments, but the more you pay in interest over the period of time.
Interest rates - Interest is the cost of borrowing money, and the Interest Ratetells you exactly how much your monthly payment will be. By Using Mortgage Calculator you can determinate your monthly payment. That interest rate not only affects how much you pay and how much you can afford, it also affects how much you can borrow. Let your mortgage broker to search best rate for you.
How big a down payment - You can get a mortgage as low as 5% down. But always try to make down payment as bigger as possible. Just remember to set money aside for all the fees associated with buying a home. Not to mention moving, repairs, renovations, new furniture...think ahead.
The RRSP Home Buyers' Plan - A little sweet relief By Government of Canada - If you're a first-time homebuyer and your money is sitting in RRSP, you can withdraw up to $25,000 without paying any income tax.
Lock the interest rate or Keep it Variable - It's a tough question. What if you ‘lock in' for five years and rates go into a period of decline? That could mean you're stuck paying more than you had to for a long time. But if rates were to steadily climb over the next five years, locking in for five years now would be a great move. For many, a long-term mortgage offers peace of mind in knowing that their mortgage payments will stay the same for several years. There is another option to benefit both variable and close rates you can keep half mortgage amount faxed/lacked or half variable in this way you take variable risk only on half of your mortgage. Your REALTOR® will have a lot of good advice.
Don't forget these extra costs - Face your new financial responsibilities head-on, and you may even dodge some of them. And then won't you look smart!
Application fee - Make sure to ask before some mortgage lenders charge a fee to process your application. Many lenders will agree to waive this fee..
Appraisal fee - Your mortgage lender may need to have your new home appraised by a professional, and they often pass the bill on to you. Sometimes your lender will also waive this fee. Again, it doesn't hurt to ask.
Mortgage broker's fee - Usually mortgage brokers are paid by the lenders. Your mortgage broker may charge a fee that's payable on your closing date. Ask your broker, to avoid surprises.
Land survey fee - Usually survey is provided by the seller. Lenders may require a survey of your property. It can typically cost between $600 -$1000. Lenders will often accept an existing survey. Ask your agent to get the survey from the vendor and show it to your lawyer if it is ok.
Home inspection fee - A Home Inspection is extremely important in home buying process. we devoted an entire Step to it. Avoid surprises and protect yourself...this is money well spent that can save you lots of money in future.
Home Insurance - Mortgage lenders require you carry fire and extended-coverage insurance because your home is the security deposit on the mortgage. Often you can have these payments added to your monthly mortgage payments. Shop around.
Fire Insurance- Mortgage lenders require a certificate of fire insurance to be in place from the time you take possession of the home. The amount required is generally the amount of the mortgage or the replacement cost of the home. This cost can vary on the property size, amount of coverage, the insurance company and the municipality. The cost can vary anywhere from $400-$800 annually for most properties.
Provincial Sales Tax on Mortgage Insurance- If your mortgage is insured, you will be required to pay the Applicable taxes on the Mortgage Insurance Premium on closing. While the insurance premium can be added to the mortgage amount, the tax must be paid on or before closing.
Title insurance - Not mandatory, but it protects you from all sorts of title fraud and potential errors surrounding the title to your land. It's normally a few hundred dollars. Ask your lawyer for details.
Legal fees - Your lawyer is vital to the home-buying process. You'll pay legal fees for their time and "disbursements" which are the costs involved in title searches, drawing up the title deed, and preparing your mortgage.
Maintenance and utility costs - Just a reminder, you now have more regular monthly payments in the form of property tax, utilities, repairs etc.
Land Transfer Tax - Most provinces charge a land transfer tax payable by the buyer, and is based on the purchase price. First time home buyers purchasing a new home may qualify for a refund. Ask your REALTOR® or lawyer to Calculate Land Transfer Tax Payment.
The GST and new homes - Resale homes usually don't involve GST, but new homes do. If you are purchasing a new home, make sure you know who pays this, you or the builder. On the offer the purchase price will state "Plus GST" or "GST Included", and who receives any GST rebates. If you intend to live in your new home (instead of renting it out) there is some relief.
Closing Adjustments - The previous owner may have paid property tax or utilities in advance, and they want to be credited for those payments. Any bills after the closing date are the responsibility of the purchaser. A lawyer will let you know what they are once the various searches have been completed.
New Home Warranty- In most provinces new homes are covered by a new home warranty program. The cost to the purchaser for this warranty is approximately $600. Should the builder default or fail to build to an agreed-upon standard, the fund will finish or repair the deficiencies to a maximum amount. For more information on Ontario new home warranty visit http://www.tarion.com/.
Step 8: Make an Offer - Finally you've found a home? Congratulations! Now, if you actually want to make it yours, you have to make a successful offer, one that the seller will accept.
Preparing the offer - REALTORS ® are expertly trained and will prepare the offer for you. CLICK HERE to see simple Agreement of Sale & Purchase.
Here are some terms you'll see in the offer:
Buyer or Purchaser - That's you.
Seller or Vendor - The present owner(s).
Purchase Price - The most important number.
Deposit - A cheque you write to the seller's broker, who deposits it in a trust account. This is your way of saying "my offer is serious". The size of the deposit is up to you.
Clauses particular to this agreement - Every transaction is unique, and your REALTOR® may add conditions important to you. Making your offer conditional upon Arranging Mortgage and proper Home Inspection is most important.
Chattels included and fixtures excluded - Be sure you know what is included with the house! The washer and dryer, the microwave, draperies, light fixtures. Don't leave anything to ‘chance' because chances are, it won't be there when you move in.
Irrevocable date of the offer - The length of time you give the seller to consider your offer. Usually less than 48 hours.
Completion date - The glorious day you take possession! Often 30 or 60 days after signing.
About the offer - When it comes to the type of offer you make, it really depends on your individual situation. Discuss your options with your REALTOR® to see which of these offers is right for you.
Firm Offer to Purchase - Usually preferable to the seller as it means you, the buyer, are prepared to purchase the home without any conditions.
Conditional Offer to Purchase - Usually means there are one or more conditions on the purchase, such as "subject to home inspection", "subject to financing", etc. The home is not sold unless all the conditions have been met.
Acceptance of Offer - An Offer to Purchase is presented to a seller who may choose to accept the offer, reject it, or submit a counter-offer. The counter-offer may be in regards to the price, closing date, or any number of other variables. Offers can go back and forth until both parties have arrived at an agreement or either side ends the negotiations.
Submitting the offer - You've signed on the offer and your REALTOR® present your offer to the seller's REALTOR®. This process works best when you don't meet the seller in person.
The seller can reject your offer - It's not common for an offer to be completely rejected. Your REALTOR® will likely investigate, to see if there was some sort of misunderstanding.
The seller can ‘sign back' or counter your offer - The seller wants to alter ‘some part' of your offer. It's almost always the price. The seller will cross out the price on your offer and write a higher number. Now it's your turn to sign back, and see if you can bring that number down. It can feel a bit like a ping-pong match. Emotions can run high, so both sides will be reminded that a little flexibility goes a long way. Good luck!.
Finding a Lawyer to Your Team-Buying a home involves piles of legal documents. You need someone to translate the ‘legalities' and ensure your best interests are protected.
Finding a good lawyer - There are lots of good lawyers out there. Ask your friends or people at work. REALTORS® will happily give you the names of several good lawyers to whom he work with. They can't legally recommend just one, but they'll only refer lawyers experienced in real estate. Be sure you ask how they structure their fees, and get an estimate of the other legal costs you can expect.
How your lawyer will help - There are many, many legal steps to transferring ownership of land from one person to another. Even if pitfalls like fraud, government legislation, zoning issues or unpaid taxes don't come up, your lawyer will more than earn their pay by making the legal transfer of the home a smooth one.
Don't be scared of your lawyer - They are there to help you. Ask questions if you don't understand anything. Explaining legal jargon in plain language is a big part of their job.
Find a Home Inspector-When walking through a home you'd love to buy, it's hard to put aside your emotions and really ‘see' what kind of shape it's in. Now that you are buying, it's time to see everything. Home inspections rarely cost more than a few hundred dollars, and their service can save you from unpleasant surprises when you move in.
Your offer to buy may be conditional upon a satisfactory home inspection - This is an increasingly standard condition on any resale home. If the seller doesn't want you closely examining the home before you take possession, you have to wonder why.
Go with a qualified professional - Make sure your inspector is a member of a provincial association of home inspectors. It's your guarantee they have the training and experience for the job. Your REALTOR® can recommend several home inspection companies to choose from.
What will they check during the inspection - Lots of stuff are examined during the home inspection. Plumbing, Electrical Systems, Roof, Visible Insulation, Walls, Ceilings, Floors, windows and the integrity of the foundation. They check for nasty stuff like lead paint, asbestos, mould, outdated and dangerous wiring, and they'll look for evidence of pests like mice or termites. A good inspector should make you feel like you're watching a CSI detective.
Join the inspection - There's no better way to get familiar with your new home than being part of this checkup. If any problems are detected, you'll see them firsthand, and you'll also learn some maintenance tips from a genuine pro.
You'll get it in writing - Their report will summarize the condition of your home. If there's anything that needs work, the home inspector will provide an estimated cost for the repairs.
Home inspection for a new home - New does not equal perfect, and construction quality can vary greatly from builder to builder.
Repairs and corrections will probably be covered by a provincial new home warranty program like Tarion, so bad news doesn't necessarily mean it will cost you. Click the link to know what is covered underNew Home Warranty Program
Step 9: Close the Deal - Your offer has been accepted and now get ready to close the deal. Your REALTOR® and lawyer will do the closing job for you, but here's your part for smooth closing, here is complete Closing Checklist.
The big day arrives - Deliriously happy and emotionally exhausted, here you are on closing day. You made it! If your lawyer has arranged everything well, closing day can be surprisingly low on drama. Before you know it, you'll be handed the keys you new home.
Step 10: Move In - Moving day will come sooner than you think, so get planning now.
Closing date' often means moving date - Unless you have major repairs or renovations planned, you probably want to move in the day you take possession. If you intend to move at the end of the month, contact a moving company or truck rental company now. Most people move during this time and there aren't trucks and movers for everybody. If you can move mid-week or mid-month, a moving company might cut you a deal. Keep in mind, the closing process might not have the keys in your hands until early-to-mid afternoon. Verify with your lawyer and schedule your moving times accordingly.
Go with a reputable moving company - We've all heard moving horror stories. Go with an established, insured mover, so your items are protected. If any damage does occur by the movers, call the moving company immediately to notify them.
Pack it yourself, and pack early - Nobody will take the same care you will. Start early and spread it out over many days. Label all your boxes by room so the movers know where to put them, and label anything that's fragile. Smaller breakables should be driven to your new home by you to ensure they are safe from breakage.
Do you really need to take that with you - A new home is a new lease on life, and a chance to liberate yourself from stuff you simply don't need. If you haven't used it or worn it in the last year, you don't need it. Have a garage sale to make some extra cash for your move, or give your items to Goodwill or United Way. You won't have to pack and unpack it, and it will become someone else's treasure.
Once you move in - The boxes are mostly unpacked and you're settling in nicely. You will now feel a strange urge to begin making changes and improvements right away. That old carpet has to go; a bigger deck would be great for entertaining...slow down! Take time to get a feel for your new home, and more importantly, your new budget. Take a deep breath and enjoy what you have, your new home.
If you need any further help in order to buy your dream home feel free contact Grater Toronto Area RE/MAX Real Estate professional Kaleem Salahuddin– 416-992-9860. I Am committed to provide you best possible services and to protect your best interest in complicated Real Estate transaction. My job is to find you best match property according to your need and requirement within your price range. My goal is to make process easier for you and your family. Prepare an agreement of purchase and sale and all other relevant documents for you. Provide you weekly updates and advise you accordingly. Help you get your home inspection done. Provide you my professional consultation and negotiate in your best in your best interest. Provide support before, during, and after sale.