When you are buying a home, specially if it's your first one, there are so many questions to ask and information to seek. Although price is quite often the greatest factor in a home purchase, you need to think about what fits into your current lifestyle as well as into your probable future lifestyle.

• how much of a mortgage do I qualify for as a buyer? Downpayment together with mortgage qualification usually helps determine the price range you can look into.

• how large a home do I need (number of bedrooms, number of bathrooms, size of yard, size of garage, etc.

Although price is quite often the greatest factor in a home purchase, you need to think about what size of home in what location would suit your current lifestyle as well as your probable future lifestyle. If you buy low but then find out that you need a bigger home or a different location, such a double move could cost you a lot more in the long run.

Dave and Monica McGrath will sit down with you and help you determine the what, where and when of home buying.

There is more to selling than just getting the price you wanted for your property. The presentation of an offer is the culmination of all the services and hard work Monica and Dave McGrath offer you as a seller.

Once you receive an offer, there are several issues to consider, such as

• do the possession dates match, or have you thought of alternative arrangements and the cost of those arrangements?
• is there a penalty for early discharge of your mortgage?
• can your mortgage be assumed by a buyer and would you like it to be?
• have you found another home to move into and have put in an offer subject to the sale of your present property?