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src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/BrittanySignat_1o0_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: GlacialIndiffe_1kn_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/GlacialIndiffe_1kn_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: GlacialIndiffe_1ko_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/GlacialIndiffe_1ko_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: GlacialIndiffe_1kp_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/GlacialIndiffe_1kp_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: Lato-Heavy_1o2_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/Lato-Heavy_1o2_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: Lato-Regular_1o1_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/Lato-Regular_1o1_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: NotoSerifDispl_1o3_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/NotoSerifDispl_1o3_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } Jennifer & Sheldon LICENSED REALTORS® CALL THE KENNEDYS jen@teamkennedy.ca 780.920.0709 sheldon@teamkennedy.ca Both born and raised Edmontonians, where they raised their four boys, Jennifer and Sheldon are excited now to be working with two of their sons as Team Kennedy! Working as a team in three different cities (Edmonton, Calgary and Chilliwack, BC) Team Kennedy has the Alberta - BC connections covered! With over 24 years experience working in up and down markets, one thing the Kennedys have learned about marketing homes is that you can’t be all things to all buyers, but you can be the right home to the right buyer. “This brings a whole new meaning to target marketing. Just as buyers generally know what they are looking for – so too should sellers know who they are going to be selling to." The Kennedys believe in top quality marketing for all homes no matter the price point. “People like nice things, they like to buy nice things – and to that extent the marketing of a home should reflect that same mantra. Whether it be high quality professional real estate photography, custom floor plans, staging, print and online design work – it all should be high quality. And the cherry on top is bringing all these marketing pieces together in order to source the right buyer for your property.” Bringing buyers and sellers together in an authentic way has always been the hallmark of the Kennedys' 20 plus years working in the real estate industry in Edmonton and area. “We always look forward to the opportunity to connect the real estate dots for our clients. And no dots are the same. And we like it that way!” For all your real estate needs – don’t forget to #CallTheKennedys! About us... Fair Realty Fair Realty has been around since 2002 and has grown to one of largest independent Real Estate Brokerages in British Columbia with over 18 offices and over 100 agents. Team Kennedy is excited to bring the Fair Realty connection to Alberta! With offices in Edmonton and Calgary and growing! Fair Realty is a forward thinking brand that prides itself on making deep connections with the communities they serve. And making those connections are key to bringing together buyers and sellers from near or far. This is a fabulous opportunity to bring together B.C. and Alberta buyers and sellers. Albertans LOVE to vacation and retire in BC and just wait until those BC investors see how much value there is in Alberta real estate. There is increasingly more and more BC buyers looking to relocate to Alberta. This presents a win win opportunity for all! Jennifer & Sheldon Kennedy

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Lifestyle: what kind of services or recreation do you want nearby Type of home: detached, semi-detached, duplex, acreage, condo, apartment Home inspections cost anywhere from 400-600$ Ask your REALTOR® if it is necessary to have a WETT inspection done on the house CHOOSE A PROPERTY INSPECTOR CHOOSE A LAWYER There is a ton of paperwork when buying a home! It is essential to have someone working for you who can help you understand all the legal jargon... and protect your best interests! Check the title of the property - proof of ownership & liens against the property to ensure clear title Check taxes owing on the property before the transfer of ownership Calculate adjustments that may need to be paid back to the seller or credited to the buyer Advise on Real Property Reports vs Title Insurance, Condo Docs, and other property-related documents A home inspection is an immediate step after the seller accepts an offer. Although it is not required by law, you will gain valuable insight into the property's condition. If the sale depends on the home inspection results, you have a limited time window to complete it.

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If all conditions meet your satisfaction, it will be time to sign a waiver stating "conditions are satisfied"... There may be an additional deposit due at this time. 08 | FIND YOUR HOME When writing an offer on a property, we recommend including conditions of finance and home inspection. In the case of a Condo - add a Review of Condo Docs Condition. Be sure to give your REALTOR® your lawyer and mortgage broker/lender contact info. We will send all purchase documents directly to them when your offer is accepted (If you don’t have a lawyer - ask us for a list of real estate lawyers). MAKE AN OFFER ACCEPTANCE (PENDING PERIOD) Typically you will have around 5 - 10 business days to satisfy conditions Lender will review offer, arrange for funds and an appraisal Schedule the home inspection, if an older home, have the sewage line tested Finalize finances with bank The Property is now considered SOLD! Our office will convey purchase documents directly to the seller's brokerage and your mortgage broker Your Lawyer deals with all legal matters, including the transfer of title, and ensures that money is transferred to the seller's Lawyer You will meet with your Lawyer to sign papers approximately two weeks before possession You will be asked to bring in the balance of your downpayment as your cash to close at this time

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You are making a big purchase, and this is your opportunity to protect your interests! Lawyers offer experience and Real Estate knowledge that is highly valuable for this process. YOU NEED A LAWYER! Wait, what? DOCUMENT REVIEW: Your Real Estate lawyer will be able to review any documents relating to the purchase of your new property. This may include purchase agreements, condo bylaws, mortgage documents, deeds, and transfer documents. They will also conduct your title search! The seller’s lawyer will be asked to provide the Title Commitments for review. BUT WHAT DO THEY DO? CLOSING FIGURE REVIEW: Any figures involved in the sale, such as expenses, or existing liens, encumbrances and any applicable property taxes should be reviewed by your lawyer before closing. LEGAL ADVICE Your lawyer will attend the closing to review any documents presented to you, the Buyer. They are available to provide advice on any legal decision pertaining to the purchase, such as issues regarding the inspection and negotiations.

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Do not risk getting caught off guard by a refusal to commit. LARGE PURCHASES You might think pre-approval means you are set to go, but you should avoid making any major purchases that require new financing or increasing your line of credit until after the close of your home. This includes student loans, car purchases, or large furniture purchases. Do not risk losing your mortgage approval! ADDING CREDIT Do not open any lines of credit or apply for new credit cards without speaking with your lender first. This will alter your original income and debt ratios that your approval was dependent upon. MAINTAIN YOUR CREDIT Do not miss any bill payments! This is the easiest way to maintain your credit during the closing process. LARGE TRANSFERS Your lender may flag your account as suspicious if you transfer large sums of money between accounts or make large undocumented deposits. This could risk your approval. DO NOT QUIT YOUR DAY JOB Your mortgage approval was dependent upon a stable income. Do not change jobs during the closing process, or you may be deemed too risky for your mortgage.

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What is the difference between a down payment and a deposit? A deposit forms part of your down payment and is used as earnest money when you put in an offer on a home. Otherwise known as a good faith deposit. It 'holds' the home while you do your due diligence. Once you have completed your due diligence and you remove your conditions and move forward with the offer, those monies that are held in trust go towards your down payment. 2. How much of a deposit do I need for my offer? The amount of the deposit is dependent on a few things. The length of time until possession and the value of the home. The longer the possession and or the larger the value of the home, that will reflect in a higher deposit amount. Your agent will guide you on the exact amount dependent on your particular offer. Some believe a larger deposit is an advantage if you find yourself in a multiple offer situation. This can be true if all other aspects of the offer were the same but you had a larger deposit amount - then that would be to your advantage. 3. How much does a home inspection cost and how long do they take? Home inspection rates vary depending on the size of home, whether it is an acreage property and if there is travel involved. Typically for a condo $300-400 and a SDH $600-$800. They take on average one hour for a single level apartment, 1.5 hours for a townhouse and 2.5 hours for a SDH. 4. What does pending mean? Pending is the term used when a property has an accepted offer with conditions attached to it. The condition period is typically about 10 business days. The term pending subject to sale means that a property has an offer on it with the condition subject to the buyers home selling before a certain date. 5. What is a subject to sale? How does it work? The term subject to sale means that a buyer has placed an offer on a property subject to his own house selling for a certain amount and time period. Its like a temporary foot in the door. It's like saying to the seller- "hey I like your home, here's my offer, but first I have to sell my home then I can proceed with the deal". The seller can still market their home for sale, and accept another offer, they would just have to give the first subject to sale buyer a 24-72hour notice to waive all of their conditions. If that subject to sale buyer cannot waive all of his conditions, then he forfeits his offer and the second offer becomes first position. These can be tricky situations - always consult your agent on what the best strategy is for you and your offer. 6. What does DOM / CDOM mean? DOM = days on market | CDOM = cumulative days on market 7. When do I need to give my lawyer information to my Realtor/Mortgage Broker? Once you have removed all of your conditions and the offer is firm. Be sure to give your lawyer info to both your agent and your mortgage broker in a timely fashion. The sooner the better. 8. What is the difference between preapproved and prequalified? The difference is that the prequalification process is the first step. It gives you a GENERAL idea of what you can afford and what rate etc. A preapproval is based on the actual financial documents handed in from the buyer to the lender in order for a more accurate number is calculated and a RATE HOLD is also offered at that time.

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Should I call the list agent directly to view or view with the agent that I am working with? If you are already working with an agent then it is best to go through the home with that agent as they exclusively represent your interests. Be careful when talking to other agents that you do not disclose any personal info that could put you at a disadvantage should you decide to write an offer on that agents' property. Usually people talk too much and end up giving away valuable tidbits that the list agent can disclose to their seller client. 10. How many houses do I need to see before I can expect to 'find the one?' Love at first site does happen in real estate. But what is so funny about that, for the most part people don't trust their instincts when it comes to home buying in this regard. Alot of people believe they need to see a certain number of homes before they are 'ready' to buy. While that maybe true - but they end up loosing out on their one true love; that first home they viewed. We see this all the time. Its just part of the journey. So - to answer the question - you can find 'the one' the first time out - it can be a one and done or you can take literally years to find a home. Typically, and I use that term loosely, you should be able to find the one within 10-12 home viewings. 11. What are some of my closing costs? You will have a mortgage appraisal fee, home insurance or contents insurance if buying a condo, tax adjustment, legal fees, home inspection fee, and utility hook up fees. 12. When do I need to get home insurance? For a single detached home, the home insurance is typically placed on the home as part of the mortgage process. if their is no financing then the home owner can place insurance on the home right after final condition removal and set the start date for the date of possession. if you are buying a condo then you can purchase contents insurance in the same manner as with a single detached home. 13. How much does it cost me to work with a Team Kennedy agent to find a home? There is no fee when you work with a agent from Team Kennedy to find a home. Our fee is paid out from the sellers side. 14. What is the length of time a seller needs to or should respond to my offer? You can put a time clause in your offer that stipulates a date and time that you require a response. If you do not have a time clause a seller and or their agent is expected to respond in kind in a timely fashion. talk to your agent as to where you should put in a time clause in your offer. 15. What are the benefits of working with a real estate agent when looking for a home? You have to remember your real estate agent is in and out of homes all the time. Often times they come across properties that could fit your needs but is just outside your scope of searching. Had you NOT been working with that agent - you might not have had the opportunity to see that property you never knew otherwise existed. Most would not think this - with everything on line etc. But it happens more times than you think! 16. Can I back out of an offer after it has been signed? Once an offer is accepted, with deposit, and all conditions have been removed or waived, then the deal is firm. At this point the deposit is non refundable. The only time it would be refundable is if the seller is not able to close the deal due to not being able to satisfy a term or terms of the deal and has a legal reason to back out. Or the property is damaged in a fire or act of nature.

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Montserrat-Bol_1na_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/Montserrat-Bol_1na_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: Montserrat-Reg_1nb_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/Montserrat-Reg_1nb_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } @font-face { font-family: SilverSouthSer_1n9_bv-b253e905-; src: url("userFiles/a/7/1/9/4/0/3/X9TRpSZr2otKfaEff7pivj/fonts/SilverSouthSer_1n9_bv-b253e905-.woff?_cbt=1786389230") format("woff"); } Sentinel Storage Central Sentinel Storage - West End South Edmonton Storage HOME INSPECTORS MORTGAGES LAWYERS HOME INSURANCE CLEANERS | Junk Removal STORAGE TEAM KENNEDY Vendors TRUSTED Cabin to Castle Book On Line 780.487.7177 www.cabintocastle.ca Technologic Inspections 789.499.7672 Steve Pentyliuk www.technologicinspections.ca Ryan McKenna www.barrllp.com Barr LLP 780.701.3690 TD Insurance www.tdinsurance.com AMA Insurance www.ama.ab.ca 1-866-361-2311 1-800-615-5897 Fussy Cleaning Services Sunshine Junk Removal www.fussycleaning.ca 780.756.3877 780.977.9678 www.sentinel.ca www.southedmontonstorage.com 587-207-4867 587-817-8373 780-421-1111 JENNIFER KENNEDY Associate Broker 780.920.0709 jen@teamkennedy.ca SHELDON KENNEDY Real Estate Agent 780.554.4496 sheldon@teamkennedy.ca 780.710.0066 Mortgage Alliance- Enrich Mortgage Group Stefania Campbell-Fowler stefania@enrichmortgage.ca www.sunshinejunkremoval.com www.sentinel.ca 780.914.2620 Keystone Mortgage Corp Raeann Lefebvre raeann@mortgageengineer.ca Richards & Co. Caleb Selders www.richardslaw.ca 780.436.8554

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www.thetransportguys.ca www.canada.getmovers.ca Atco - power /gas 1-844-777-7864 www.atcoenergy.com Enmax Energy 310-2010 www.enmax.com Epcor - power/water/gas/waste 310-4300 www.epcor.com Direct Energy - gas 1-866-374-6299 www.directenergy.ca City of Edmonton - city services 311 www.edmonton.ca Internet / TV - TELUS 1-888-811-2323 Internet / TV - Rogers 1-888-8764-3771 Internet / TV - Shaw www.telus.com www.rogers.com www.shaw.ca 1-888-8472-2222 Address Changes and Government Services Canada Post Address Change – www.canadapost.ca Alberta Driver’s Licence and Vehicle Registration – Visit any Alberta Registry office – www.alberta.ca Property Taxes – City of Edmonton – Phone 780-442-3891 – www.edmonton.ca Moving Tip: Many electricity and natural gas companies in Alberta allow customers to transfer an existing account to a new address. Contact your provider several days before your move so utilities are active on possession day.