I'm Rubens Pereira, Your Trusted Realtor for a Smooth Homebuying Experience!
Jay & Tina
First time home buyer
Rubens is a dedicated and trustworthy go-to realtor. Would highly recommend to anyone. He definitely won’t disappoint you!
Buy Home with Confidence
Get the Keys to Your Dream Home – With Your Preferences, Your Budget, Your Way
- Get Expert Guidance Every Step of the Way
- Tailored Recommendations Matching Your Preferences
- Lifetime Support Beyond Closing
Watch Out Latest Exclusive Pre-Sale Homes
Our Reviews
Real Stories, Real Results: Hear From Our Satisfied Home Buyers
As a first time home buyer my wife and I were completely clueless with the home buying process. Reubens was always available to answer any questions and helped guide us through every step.
I also appreciated him coming up with strategies to make a better offer without paying more. I felt like he had my back.
M Lau
Rubens’ professional expertise can be trusted! He was super easy to work with, and he knew what to do to get the sale at the best price. All I had to do was move out! From the start to finish, Rubens takes care of his clients, and I’m one satisfied client who would recommend him to anyone who is buying or selling. Just remember one thing: He knows what he’s doing!
Rose
I had the pleasure of working with Rubens during my condo purchase in Port Coquitlam. As a first-time homebuyer, I had numerous questions and concerns, but Rubens was there every step of the way, offering patient and thorough explanations. His dedication and responsiveness made the process smooth and enjoyable. I truly appreciated his commitment to ensuring my needs were met. I highly recommend Rubens for his expertise and exceptional customer service in the real estate field.
Mohit Chauhan
Being a Homebuyer brings a lot of challenges
This lead to Missed Opportunities and Frustration in Your Homebuying Experience
When faced with these difficulties this means your perfect home slipping through your fingers and to You Settling for Less and Feeling Overwhelmed.
About me
I'm Rubens Pereira, Your Trusted Realtor: Your Expert Guide for a Seamless Homebuying Journey!
As a first-time homebuyer in Canada, I encountered several disappointing experiences with real estate agents. Fueled by my proactive approach in the home buying process and my positive influence on people, I decided to venture into the real estate industry. Now, I am committed to delivering excellent service, ensuring a positive experience for my clients whether they are buying or selling properties. My goal is to prevent any of my clients from going through a disappointing real estate experience and to make their home buying and selling journey seamless.
My Tailored Solutions for Your Seamless Homebuying Journey
Get Confidence in Every Step
Open the door to your dream home with confidence, guided by my expertise, and the satisfaction of over 150 clients who have seamlessly navigated the homebuying process with my assistance.
Make Informed Decision-Making
Empower your choices with real-time market insights, ensuring decisions aligned with your goals and preferences.
Get Access to Exclusive Listings
Discover unique properties beyond public listings. Our off-market opportunities provide a distinct advantage, expanding your options for finding that ideal home.
A Personalized Service Tailored to You
Experience personalized service ensuring every recommendation caters specifically to what matters most to you.
Navigating Financing with Confidence
Have detailed overview on financing options, mortgage rates, and get connected with trusted mortgage professionals who will guide you through the application process.
Commitment Beyond Closing
My Dedication doesn’t stop at closing. Benefit from ongoing support, addressing your questions and needs even after the keys are in your hands. Present to support you throughout your homeownership journey.
Take one Step Forward
Let's Find Your Dream Home Now!
Embark on your home-buying adventure with a simple step – reach out to us and start the journey to your dream home.
Getting pre-approved for a mortgage is crucial in the home buying process. It helps determine your borrowing capacity, narrowing down suitable properties within your budget. The pre-approval letter also reveals down payment and closing cost requirements, allowing you to plan accordingly. Additionally, it signals to real estate agents and sellers that you are a serious buyer, often required for home showings, especially in the luxury market, to ensure security and privacy.
From start (searching online) to finish (closing escrow), buying a home takes about 10 to 12 weeks. Once a home is selected an the offer is accepted, the average time to complete the escrow period on a home is 30 to 45 days (under normal market conditions). Though, well-prepared home buyers who pay cash have been known to purchase properties faster than that.
Home shoppers typically incur minimal or no fees when working with a real estate agent to buy a home. This is because, in most transactions, there are two agents involved – one representing the seller (listing broker) and another representing the buyer (buyer’s agent). The seller’s agent charges a fee for marketing the property, and when the home is sold, this fee is split with the buyer’s agent, meaning buyers do not directly pay their agents.
The national average for down payments is 11%, encompassing both first-time and repeat buyers. However, first-time home buyers typically put down 3 to 5%, with programs like FHA requiring 3.5% and allowing family gift contributions. VA and USDA loans can have zero down payments but have specific eligibility criteria. While conventional loans traditionally required 20% down, newer programs allow 3% down with private mortgage insurance for some borrowers.
If you plan to use the equity from your current home for the new home’s down payment, selling the former is necessary. Turning your current home into an investment property is an option, but your loan advisor will assess your risk profile and credit history to determine the feasibility of obtaining a loan for the new home while retaining the old one. In relocation scenarios, especially due to job transfers, selling the current home quickly may be essential. If relocating with the same employer, explore if they offer relocation assistance to offset costs.
