Offer to Purchase   How to Determine Proposed Purchase Price   Offer to Purchase Initial Costs   The Down Payment   Sale Closing Costs and Extras		Buying from a Builder   Buying from a Builder   Agreement of Purchase and Sale   Deposit Insurance   Certificate of Completion and Possession   Pre-Delivery Inspection   Using Title Insurance   New Home Warranty Programs		Facts About Mortgages   Mortgage Basics   The Mortgage Application   Conventional vs Low Down Payment   Security or Flexibility   Minimizing your Mortgage Costs Monthly Costs   How Much Can You Afford   Other Monthly Obligations

DUECK, SAUER, JUTZI & NOLL BARRISTERS & SOLICITORS 403 Albert Street, Waterloo, Ontario N2L 3V2 phone: (519) 884-2620 fax: (519) 884-0254