Table of Contents
Canada’s First Time Home Buyers Incentive, The Ultimate Guide
When it comes to buying a home, there are plenty of options and potential paths to take. However, with so many choices and details to consider, it can be difficult to know where to start. That’s where this article comes in. In it, we’ll provide you with everything you need to know about the Canada s First Time Home Buyers Incentive – including how to qualify for it, what’s included, and some important tips for maximizing your chance of success.
The first time home buyers incentive (FTHBI) is a program that the government of Canada has come out with to assist new home buyers to qualify for more, and have lower payments.
The way the program works is fairly simple to explain, however the pros and cons of the program are a little more complex. In this guide I will help you understand if this program is right for you. It is definitely not a major benefit to all applicants and can end up costing you more than you realize. On the other hand, it can be beneficial under the right circumstances.
In its most basic form, the program will give a first time home buyer an extra 5% down on a used property or an extra 10% down on a brand new property.
If you qualify for the first time home buyers incentive, you will benefit from lower payments on a property and you will be able to qualify for a larger amount! This can help new home buyers meet their target budgets while living in the home of their dreams sooner!
Since the program started, I have had hundreds of clients use the program. Most of them are very happy with the program and the ease it was to get approved for. The lenders, lawyers and program administration have made the entire process seamless.
The incentive itself is considered shared equity in your home, meaning the government shares ownership of your home until the grant is paid back. This means that if the value of the home goes up, then you will have to pay back 5% of the new appraised value of the home resulting in you paying back more than you received. If the value goes down, they will share in the loss. This means you will pay back 5% of the new value of the home.
How do I qualify for the first time home buyers incentive?
To qualify for the first time home buyers incentive, you will need to meet several qualification criteria.
-The financed amount cannot exceed 4x your annual income in most cities and provinces.
So as an example: Purchase price: $400, 000
Downpayment : 5% $20, 000
Financed amount (before Insurance fees) $380, 000
$380, 000/4= $95, 000
What this means to you is that the maximum income you can have to qualify for a $380, 000 loan amount is a gross annual income of $95,000.
So if you income was $50,000 you would qualify for a financed amount of $50,000×4= $200,000.
-In Victoria, Greater Toronto, and Vancouver the financed amount cannot exceed 4.5X your annual income.
Here is an example of this: Purchase price $400,000
Downpayment : 5% $20, 000
Financed amount $380, 0000
An Example of the first time home buyers incentive in Toronto, greater Vancouver and Victoria.
$380,000/4.5= $84, 444
In other words if you are in one of these municipalities where the real estate prices are crazy, you would not need to have as high of an income to qualify.
So that is the firs thing you really need to know, with this incentive the financed amount cannot exceed 4X your annual income in most cases or 4.5x in Victoria, Toronto and Vancouver. That being said, I have had clients qualify outside of these guidelines.
For example, one of my clients made a little bit too much. So to help them get approved, they had to put an extra $5000 down out of their pocket. They were then able to qualify for the 10% on a brand new property,
- The second main qualifier is that your HOUSEHOLD income cannot exceed $120, 000 in most provinces and/or $150,000 if you are in Toronto, Vancouver or Victoria.
In other words, your maximum gross (before taxes are taken off) household income has to $120,000 or less to qualify. Please keep in mind that this is gross income, not net income. So it is before taxes are taken off.
- The third main qualifier is that you and everyone on the application are first time home buyers. You are considered a first time home buyer, if you or all other applicants have never owned a home before.
Or if you did not occupy a home that you or your spouse/common law have owned in the last 4 years.
or If you have recently had a divorce or separation (even if you do not meet the other first time home buyer criteria. In other words it is a great program for divorcee’s!
How much money can I get from the first time home buyers incentive?
Using the first time home buyers incentive, you can receive a grant for 5% of the purchase price on a used home or a grant of 10% on a brand new home!
If you look the first time home buyers incentive on other websites, they may break this down for you in more detail. This can complicate things for you, so I try to keep it as simple as possible. So how much will I actually get from the first time home buyers incentive? This depends on two things: 1. Your down payment amount: The first $500 of your down payment is not included in your grant. 2. The purchase price of the house This is also variable, but as a general rule, you will get 25% of the purchase price on a used home and 50% on a new home.
We have more information about first time buyers in this article: http://www.
Can I use the 5% from the first time home buyer incentive as my downpayment?
A: No you cannot. As long as you aren’t using the down payment, it can be used for your downpayment. You can use it all or part of it for your downpayment . You will want to talk to an lendramp loan officer about this.You can use your down payment or first month’s payment as a cash downpayment. This can be done at the time you are buying the home. The cash downpayment must be used for the purchase.
Do I have to put down my own money for my first mortgage in Canada?
Another option is the First-Time Home Buyers’ Tax Credit, which gives you a tax credit of up to $750 if you buy a home worth less than $500,000.
Introduction: What is it?
Who is eligible for the first time home buyers incentive?
Looking to buy your first home in Canada? Here’s everything you need to know about the Canadian government’s new home buyer incentive program! The Canada First Time Home Buyers Incentive (CFTBI) is a federal program that offers Canadians up to $25,000 in cash and tax credits for qualifying residential property purchases. Eligible properties must be purchased between February 1, 2017 and January 31, 2019, and are limited to properties located in designated markets. You must also live in the home for at least six months before April 1, 2018. The program is open to first time buyers and those buying a secondary residence.
Home buyers must be Canadian citizens or permanent residents. To qualify for the CFTBI, you must: Have a down payment of at least 5% on the purchase priceYour family income must be less than $150,000 per year You must not own or rent any other property in Canada You and your spouse or partner must have a gross household income of less than $130,000 per year.
How do you apply for Canadas first time home buyers incentive?
To apply for the first time home buyers incentive, you can call us directly at 780-278-4847 and we can start the process for you. We will first check to find out how much you are eligible for, then send out the proper documentation for the application. And best of all is that this id done for you at no cost!
If you’re a first-time home buyer in Canada, there are several government programs available to help you purchase your first home. The most popular program is the First-Time Home Buyers Incentive, which provides financial assistance to eligible buyers who want to buy a home with a minimum down payment of 5%.
To be eligible for the First-Time Home Buyers Incentive, you must meet the following criteria:
1. You are a Canadian citizen or permanent resident.
2. You have never owned a home before.
3. You have a minimum down payment of 5% for the purchase of a single-family home or 10% for the purchase of a multi-unit home.
4. The property you are buying is your primary residence.
When do you get the money from the first time home buyers incentive?
You will not receive any of this money directly. It will be forwarded to your lawyer once approved and applied towards the downpayment. The lawyer will facilitate this along with us, your mortgage brokers! The money itself will lower your overall payments during the life of the mortgage, all the way up to the 25 year mark when you would have to pay it back.
Can I use the first time home buyer incentive in Alberta?
If you are a first time home buyer in Alberta, you may be wondering if you are eligible for the first time home buyer incentive. This incentive is offered by the government of Alberta to help first time buyers purchase a home. The program is designed to help people who may not otherwise be able to afford a home. To be eligible for the program, you must meet certain criteria. You must be a Canadian citizen or permanent resident, and you must have lived in Alberta for at least one year. You must also have a minimum down payment of 5 percent of the purchase price of your home. You must also meet the income requirements of your province, which generally range from $44,000 to $80,000. The first time home buyer incentive is available for new and existing homes in Alberta.
How is the first time home buyers Incentive different than the RRSP first time home buyer program?
The first time home buyers incentive is a new program announced in the 2019 federal budget. It is different than the RRSP first time home buyer program in a few ways. First, the incentive provides a larger benefit: $750 per month for a maximum of 12 months, compared to the RRSP program’s $5,000. Second, it is available to all first-time home buyers, not just those who have saved up for a down payment. And finally, it can be used in addition to other government programs like the RRSP Home Buyers’ Plan.
What incentives are offered to Canadians for their first home?
Purchasing one’s first home is often seen as a rite of passage for many Canadians. The Canadian government has put in place a number of incentives to help make this process easier, including the First-Time Home Buyers’ Tax Credit. This credit allows first-time buyers to claim up to $5,000 on their taxes for the purchase of a qualifying home.
Another incentive offered by the Canadian government is the Home Buyers’ Plan. This program allows you to borrow up to $25,000 from your RRSPs to use towards the purchase of your first home.
There are also a number of programs offered by provincial and territorial governments that can provide assistance to first-time buyers. For example, Ontario offers the Ontario Home Ownership Savings Program, which provides a grant of up to $4,000 towards the purchase of your first home. The province of British Columbia offers the First-Time Home Buyers’ Tax Credit to help first-time buyers purchase a home. The program is administered by the BC Housing Corporation, and can provide up to $4,000 towards the down payment on your new home. Because the Canadian real estate market is highly dependent on consumer spending, it is seen as a driver of the Canadian economy in general. Consumer spending accounts for approximately 50% of Canada’s GDP and 65% of jobs. A rising Canadian dollar could have a negative impact on tourism in Canada. For example, the average American tourist will spend $3,500 during their visit to Canada. An increase of the loonie by 10 cents would reduce that figure by $300 annually.
Does the government give me free money for a downpayment in Canada?
No, the government does not give you free money for a downpayment in Canada. In order to buy a home in Canada, you will need to save up for a downpayment. The size of your downpayment will depend on the price of the home you want to buy. You may also be able to get a loan from the government or from a bank to help you pay for your home. In some cases, you may also be able to get a grant.
How do I qualify for the first time home buyers Incentive?
Does every bank use the first time home buyers incentive?
When buying a home, there are many incentives that a bank may offer to first time home buyers. These incentives can include a lower interest rate on the mortgage, no origination fees, or a cash incentive. Not all banks offer these incentives, but it is worth checking with your bank to see if they do.
What happens if the financed amount is a little higher than what I can qualify for using 4x annual income?
If the financed amount is higher than your 4x annual income, you can still qualify for the program if you put more down to cover the spread. This is the only work around for the program, however I have had many instances where I was able to find more income for a client and this helped them to qualify fof a larger amount. Remember it is total income the program uses to qualify you. So you can use things like child support, or Canada child benefit as qualifying income.
Can I qualify for the first time home buyers incentive if I am self employed?
Yes, self-employed individuals can qualify for the first time home buyers incentive. The Canada Mortgage and Housing Corporation (CMHC) has a program that helps self-employed individuals get into their first home. The program is called the First Time Home Buyers Incentive. It provides a shared equity mortgage loan to help reduce the cost of a mortgage for eligible Canadians who have never owned a home before or who have not owned a home in the last four years. To be eligible for the program, you must meet the following criteria: be a Canadian citizen or permanent resident; have a valid social insurance number; have been living in Canada for at least one year; have a minimum down payment of 5%; and be able to afford your monthly mortgage payments, including property taxes and heat. If you are self-employed, you must provide proof of income from your business.
Can I qualify for the first time home buyers incentive if my co signor is not a first time home buyer or already owns home?
If you are a first time homebuyer, you may be wondering if your co-signor needs to be a first time homebuyer, as well. The good news is that this is not always the case. Depending on your lender and the type of loan you are seeking, your co-signor may not need to be a first time homebuyer. However, it is important to speak with your lender to find out what their specific requirements are. Can I qualify for the first time home buyers incentive if my co signor is not a first time home buyer or already owns home?
Do I have to pay back the first time home buyers incentive?
When you buy a home, the CMHC (Canada Mortgage and Housing Corporation) may give you a cash incentive. This is known as the First-Time Home Buyers Incentive (FTHBI). The FTHBI can be up to 10% of the purchase price of your new home, or 5% of the purchase price of an existing home.
You do not have to pay back the FTHBI when you sell your home. But, if you do not live in the home for at least five years, you will have to pay back some or all of the incentive.
Further to this, the incentive would have to be paid back either when you sell the home , or at the 25 year mark.
How much of the first time home buyers incentive will I have to pay back?
When you receive a first time home buyers incentive, it is important to understand how much of the incentive you will have to pay back. Generally, you will need to repay the incentive over the course of five years. However, there are a few things to keep in mind.
For example, if you sell or refinance your home within the first three years, you will likely have to repay the entire incentive. Additionally, if your home ceases to be your primary residence during the repayment period, you may also be required to repay the incentive in full.
Be sure to speak with a loan officer about your specific circumstances in order to determine how much of the incentive you will need to repay.
As a general rule you will have to pay back the loan when you sell the property, or at the 25 year mark. The amount you pay back will depend on the sale price of the house or the current value of the property. The program is designed so that the government will share in your loss or in your gain. So if you take a loss, you will have to re-pay 5% of the value of the property at the time of sale or at the 25 year mark. If the property gains value, then you will again re-pay 5% of the new value. So essentially it will cost you either 5% of the value at that time or 10% depending on how much you were able to borrow. There is no interest on the loan, so there is no accumulative gain for the program.
Is the first time home buyers incentive a good program?
The first time home buyers incentive offered by the Canada Mortgage and Housing Corporation (CMHC) has been in effect since 2009. The program allows first time home buyers to borrow up to $25,000 from their RRSPs without incurring a penalty. Is the CMHC first time home buyers incentive a good program?
There are pros and cons to the program. On the pro side, the incentive can help first time home buyers get into their own homes sooner. It can also be helpful in terms of saving for a down payment. On the con side, some people may not have enough money saved up to take advantage of the incentive. Additionally, taking money out of an RRSP can result in tax penalties.
Overall, the CMHC first time home buyers incentive is a good program for people who are able to take advantage of it. How Does the CMHC First Time Home Buyers Incentive Work? The CMHC first time home buyers incentive program is a simple concept. It works in the following way: The amount of your down payment will be matched by the CMHC up to 10%.
Who runs the first time home buyers incentive?
The first time home buyers incentive is a government program that helps people to afford their first home. The program is administered by the Canada Mortgage and Housing Corporation, which is a government agency. The program provides a subsidy to first time home buyers who purchase a new home. The subsidy comes in the form of a re-payable loan on the sale of the property or after 25 years! However, for the first time home buyers incentive to work, you must meet the following requirements: You must be a Canadian citizen or permanent resident of Canada, you must have a valid income source and your home purchase is your primary residence. There are also some other money saving incentives that can be applied to your home purchase, such as the first time home buyer’s tax credit which is an additional savings of $6,000 on a total of $20,000 purchase price.
Is the first time home buyers incentive a second mortgage?
The first-time home buyers incentive has been available to Canadians since 2009. It is a program that allows Canadians to borrow up to $25,000 from the government to use towards their down payment. The loan must be repaid after 25 years or when the home is sold, whichever comes first. Some people are wondering if this is a second mortgage because it is a loan from the government. The answer is no, it is not a second mortgage. A second mortgage is when you borrow money against the value of your home. The first-time home buyers incentive does not do this. It is simply a loan that must be repaid. What is the maximum amount of the first-time home buyer incentive you can get? The maximum amount that you can borrow is $25,000.
Is the government going to pay your interest on this loan? No.
What banks use the Canada’s first time home buyers incentive?
So Far six banks have announced that they will be using the incentive. These banks are: Bank of Montreal, CIBC, National Bank, Royal Bank, Scotiabank and TD Canada Trust. These banks are hoping to entice new home buyers into purchasing a property by offering them a percentage of their mortgage payments covered for the first five years. This incentive is available to first time home buyers who have not owned a principal residence in the past four years.
The Canada Mortgage and Housing Corporation (CMHC) has created the First Time Home Buyers Incentive, which provides a shared equity mortgage for eligible first-time home buyers.
The incentive is available to those who have been approved for a mortgage from a participating financial institution.
The program is open to first-time home buyers with a household income of $120,000 or less.
So far, six banks are participating in the program: Bank of Montreal, CIBC, HSBC Bank Canada, National Bank, Royal Bank of Canada and Scotiabank. The incentive is available to those who have been approved for a mortgage from a participating financial institution. In addition to these banks, there are mortgage only companies that also use the program such as first national financial, RFA, ICICI, and some credit unions such as Van city, Servus credit union, Manulife, Home trust, and Canadian Western Bank/Optimum mortgage. We can assist you in dealings with any and all of these banks.
When do I have to re-pay the first time home buyers incentive?
You will have to repay the first time home buyers incentive either when you sell the house or after 25 years. This is a 0% interest loan on the property with a caveat. If your property value goes up or down, you will repay 5% or 10% of the new value. In other words the government will share in your gain or your loss. In order to repay the first time home buyers incentive in Canada, you will need to fill out a form and send it in with your income tax return. The amount that you will need to repay will be based on how much money you received from the program. If you have questions about how to repay the first time home buyers incentive, or about any other aspect of the program, you can contact the Canada Revenue Agency for more information.
The FTHBI is a program that was started in 2008 by the Canadian government. It is designed to help first time home buyers get into their first home. The incentive gives buyers up to $5,000 to put towards their down payment.
There are a few ways to repay the FTHBI. The most common way is to make monthly payments over 10 years. The amount of the monthly payment will depend on how much you borrowed from the FTHBI. Another way to repay the incentive is by making a lump sum payment within 10 years of receiving it.If you do not repay the incentive within 25 years, you will have to pay interest on the amount you borrowed. The interest rate is set at prime plus 2%. So, it’s important to think about how you will repay the incentive before you apply for it.
The easiest way to repay the FTHBI is by making sure that you stay in the home for at least five years. If you stay in the home for less than five years, you will have to pay back a portion of the incentive that was given to you. Another way to repay the FTHBI is by making sure that you do not refinance or sell your home within the first five years. If you do either of these things, you will have to pay back the entire incentive amount.
There are other ways to repay the FTHBI as well, such as through monthly payments or by lump sum payments.
Who is eligible for the FTHBI?
The FTHBI is a program designed to help Canadians with the purchase of their first home. The program provides an interest-free loan from the government to be used towards your down payment. In order to be eligible for the loan, you must meet certain requirements:
1) You must have a minimum down payment of 5%.
2) Your total mortgage amount cannot exceed $480,000.
3) The property you are purchasing must be your principal residence.
4) You must occupy the property within nine months of closing.
5) The maximum amortization period is 25 years.
6) You must have a credit score of 600 or higher.
7) You cannot have owned a home in the past four years.
8) Your annual household income cannot exceed $120,000.
The benefits of the first time home buyers incentive (FTHBI)
The first time home buyers incentive (FTHBI) is a new program that was announced in the 2019 Federal Budget. The goal of the FTHBI is to help more Canadians become homeowners.
There are many benefits of the FTHBI. First, it will help more people become homeowners. This is important because homeownership provides many benefits, such as stability, increased wealth, and social inclusion. Second, the FTHBI will help stimulate the housing market. This is important because a healthy housing market is essential for a strong economy. Third, the FTHBI will help reduce Canada’s debt burden. This is important because Canada’s debt burden is already high and we need to take steps to reduce it.
1. The first time home buyers incentive, or FTHBI, is a government program that provides financial assistance to eligible buyers who are purchasing their first home. 2. There are many benefits of the FTHBI program, including a reduced interest rate, a higher purchase price limit, and no mortgage insurance premiums. 3. These benefits can make it easier for first time buyers to afford a home, and can save them money in the long run. 4. The FTHBI program is available in all provinces and territories across Canada, so it is worth considering if you are planning to purchase your first home. 5. Contact us at 780-278-4847 to learn more about the FTHBI program and how it can benefit you.
Other things to know about the program
The First Time Home Buyers Incentive (FTHBI) is a program designed to help Canadians afford their first home. The program offers a shared equity mortgage which allows the government to invest in a portion of your home. When you sell your home, the government gets their money back plus any profits made on the sale.
There are some rules that you need to follow in order to be eligible for the FTHBI. You must be a first-time buyer, which means you haven’t owned a home before. The purchase price of your home must also be under $480,000. If you’re buying with someone else, both of you must meet the criteria.
You’ll need to repay the FTHBI when you sell your home or at the end of 25 years, whichever comes first.
There are a few ways that you can repay the FTHBI, and it all depends on your individual situation.
How to apply for the first time home buyers incentive in Canada?
You can start out by filling out our online application here https://lendramp.com/apply-now/
Once you complete the application, please indicate first time home buyer. The application should take around 5 minutes to fill out. We will then email you a document to sign for the application to the program. Once this is signed, we will send it to the program administrators and get you a number you will be approved for. All of this is done at the same time as your mortgage application, so that you will not have to fill out forms more than once!
By doing it through us, it is faster and cheaper than the alternatives. We will get it all approved and ready for you to go shopping for your first home!
The new qualification for the first time home buyers incentive (FTHBI) is that the potential homeowner must have been a resident of Canada for at least four years out of the last six years. They must also be a first time homebuyer, which is defined as not having owned a home in the past four years. These new qualifications went into effect on October 3rd, 2018.
The main reason for these changes was to try and help out Canadian citizens who have been affected by the housing market crash in 2008. The FTHBI was originally introduced in 2009 as a way to help first time buyers get into the housing market, but due to the changing market conditions, it was necessary to update the qualifications.
The hope is that by making these changes, more people will be able to take advantage of the FTHBI and purchase their first home.
The lates change to the program is first time home buyers from Toronto, Victoria and Vancouver can borrow 4.5X their income rather than the 4X for the rest of Canada Their max household income is $150,000 rather than the $125,000 for the rest of the country.
The reason these municipalities get this benefit is that they are in the least affordable cities in the country.
How does the first time home buyers incentive lower my mortgage payments?
An important question for many Canadians is how the First-Time Home Buyer Incentive will lower their mortgage payments. The answer to this question depends on a number of factors, including the size of the mortgage, the purchase price of the home, and the interest rate. Generally speaking, the incentive will lower monthly payments by approximately five percent. This can be an especially helpful reduction for those who are buying a more expensive home. Additionally, it is worth noting that this incentive is available to anyone who has not owned a home in the last four years.
For those considering using this incentive, it is important to remember that there are some limitations. Namely, the purchaser must agree to live in the home for at least five years and cannot resell or rent it out for that period of time. The First-Time Home Buyer Incentive (FTHBI) lowers your mortgage payments by up to $750 per month. If you’re buying a newly built home, you can also get up to $40,000 in cash back. The FTHBI is available to first-time home buyers who have a household income of $120,000 or less. You can use the incentive towards your down payment, or reduce your mortgage principal.
To qualify for the FTHBI, you must have a minimum down payment of 5%. The incentive can cover up to 5% of the purchase price of your home. You must also live in the home for five years, or pay back the incentive plus interest.
The FTHBI makes it easier for first-time buyers to buy a home.The First-Time Home Buyer Incentive (FTHBI) lowers mortgage payments for eligible first-time home buyers by up to $5,000 per year.
To be eligible for the FTHBI, you must have a down payment of at least five per cent of the purchase price of the home. You must also qualify for a mortgage from a financial institution.
The FTHBI reduces the amount of your monthly mortgage payments by up to 10 per cent. For example, if your mortgage payment is $1,000 per month, the FTHBI would reduce it to $900 per month.
The FTHBI is available for homes with a purchase price of up to four million dollars. The amount of the incentive decreases as the purchase price increases.
If you’re thinking of buying your first home in Canada, there’s a good chance you’re eligible for one or more government-sponsored incentives. Here’s everything you need to know about Canada’s homebuyers incentives, and how to claim them.
If you’re thinking about buying a home in Canada, there’s no need to feel overwhelmed. This ultimate guide will provide you with everything you need to know about Canada’s new home buying incentive program, including how to qualify and what to expect. Please let us do the heavy lifting, we will guide you through the entire process so that it is simple to understand. We will also deal with the administration of the program for you, so that you can focus on finding your perfect home.
Please see some of our other guides for mortgages in Alberta, Vancouver and Ontario.
We have office cross Canada and have mortgage brokers in most cities including Edmonton, Vancouver, Toronto, Calgary, Halifax, Montreal, and many other major cities.
Check out our Ultimate guide to Edmonton Mortgage Brokers Here!
Like this article?
Leave a comment
How to Save For a Downpayment for a Mortgage-31 Tips Looking to buy your first home but the process of saving for a downpayment seems like an overwhelming process? These simple tips can ease your mind and turn this daunting process into an easy and attainable goal. 1. Prioritize Distractions are inevitable; splurging on brand names, eating out at fancy restaurants or
25 Reasons Real Estate Deals Fall Apart, And how to Prevent this. We all know that selling real estate can be extremely time consuming, in this article we will explore 15 ways to save your real estate deals from falling apart. I am a highly experienced mortgage broker from the Edmonton, Alberta marketplace. My goal is to help make my real estate
How to Choose a Mortgage Broker Part 1 We have been mortgage brokers for over 14 years in the Edmonton marketplace, we do mortgages now cross Canada! Over the years I have witnessed major screw ups in financing by inexperienced mortgage brokers and bankers. In this article I will outline many reasons you should avoid dealing with bankers and mortgage brokers with
21 Sources of Business For Realtors Your Broker Will Not Tell You About I am always looking for new ways to pick up some business, and there are secret things some realtors are doing that bring in a ton of business. I am going to expose these tips so that some of you can increase your business. The 21 sources of business
17 Types of Real Estate Agents And How To Choose One Just like people in the world, there are all different types of real estate agent. In this article I will teach you how to choose one that best fits your personality type. Now that being said, this is a humorous generalization with some indication of truth and there may be many