Welcome to YQL Professionals
Your Trusted Realtors
About Us
At YQL Professionals, we understand the of homebuying. We know that finding your dream home is not just about bricks and mortar; it's about emotions, identity, and a sense of belonging. Here's what sets us apart:
- We value the emotional journey of homebuying and help you find a place where your dreams can flourish.
- We build trust through honesty, clear communication, and market expertise.
- Our in-depth knowledge of local neighbourhoods and amenities ensures you find the perfect match for your lifestyle.
- We leverage technology for virtual tours, property alerts, and a seamless experience.
- We're with you at every step, from the first viewing to closing the deal.
Click each button for more details:
We Take Pride In:
Trust is paramount in the client-realtor relationship. Homebuyers want a realtor they can trust to represent their best interests, provide honest information, and maintain confidentiality.
Effective communication is essential. Buyers appreciate realtors who actively listen to their needs, respond promptly to questions and concerns, and provide clear explanations.
Homebuyers seek realtors with in-depth knowledge of the local housing market. They want someone who can provide insights into neighborhoods, property values, market trends, and potential investment opportunities.
Buyers often prefer realtors with experience in the real estate industry. They trust realtors who have a proven track record of successful transactions and expertise in negotiations.
Homebuyers value realtors who are patient and willing to take the time needed to find the right property. The process can be stressful, and buyers appreciate realtors who do not rush them into decisions.
Realtors who are accessible and responsive to their clients' needs are highly regarded. Homebuyers want to work with someone who can accommodate their schedules and be available when needed.
Professionalism and a strong work ethic are qualities that instill confidence in homebuyers. They want realtors who are organized, punctual, and detail-oriented.
The ability to negotiate effectively on behalf of the buyer is crucial. Buyers look for realtors who can secure favorable terms, including price, inspections, and closing costs.
Honesty and ethical conduct are highly valued. Buyers appreciate realtors who provide transparent information about properties, potential issues, and all aspects of the transaction.
Click each button for more details:
Home Buying Guide
Step 1: Determine Your Financial Readiness for Buying a Home
Determine your financial readiness for buying a home by evaluating your current monthly expenses, considering the minimum down payment required, deposit funds needed, closing costs, budget for future expenses, and keeping an eye on market conditions that can affect home prices. Be mindful that being approved for a certain mortgage amount does not mean you have to spend that much.
Step 2: Mortgage Prequalification
Mortgage prequalification is a process by which a lender gives you an estimate of how much of a mortgage you will likely be approved for based on your qualifications, such as your income and down payment amount. It is a tentative approval made in advance of a real estate purchase, and it helps you ensure that you are shopping for homes that you can afford. However, it is not a guarantee that a lender will enter into a mortgage contract with you, and the lender may choose not to approve you for a mortgage after more closely assessing you and/or the property.
Step 3: Finding the Perfect Home
Determine important factors such as location, home style, number of bedrooms and bathrooms, and features when searching for the perfect home. Make a list of your needs and wants to better focus your search. Consider property size and the Residential Measurement Standard (RMS) with your realtor. Be aware that a property's size isn't the only thing that affects its listing price. Consider material latent defects and stigmatized properties, and weigh the potential risks and benefits. Be aware of special situations such as "as-is, where-is" or "judicial sale/foreclosure" and their potential risks and restrictions.
Step 4: Making an Offer
Review the Real Property Report to ensure the property complies with municipal bylaws and regulations. Search the address of the property to uncover any information. Conduct a historical listing search to see the listing history of the property. Look into warranties and representations. Consider the offer price, deposits, terms, and conditions when writing the offer. Include possession date, inclusions and exclusions, time for acceptance/expiry of offer, pre-possession inspection, and conditions such as home inspection, financing, and condominium document review. Remember that all conditions need to have an expiry date, and if conditions are not waived in writing by their expiry date, the contract ends, and both parties have no further obligations to each other.
Step 5: Negotiation
After submitting an Offer to Purchase, the seller can accept, reject, make a counteroffer, or ignore your offer. In the event of a multiple offer situation, the seller will determine the process and may disclose the multiple offers to potential buyers. Your real estate licensee will advise you on the multiple offer situation, the seller's options, and your options such as increasing your offer, withdrawing the offer, or reconsidering the terms and conditions of the offer. They may also advise you on other considerations that could improve your position, such as adding a term or condition that compels the seller to deal with your offer or requiring the seller to not disclose the price and terms to any other buyer. If the seller accepts your offer, you will move forward with satisfying any conditions in your Offer to Purchase. If the seller rejects or ignores your offer, you can either submit a new offer or look for a different property.
Step 6: Satisfy Conditions
Review and confirm your financing before waiving the financing condition. Hire a licensed home inspector to examine the property and provide a written report of their findings for the home inspection condition. Review the condominium documents provided by the seller for the condominium document review condition. Sign the waiver provided by your real estate licensee once all conditions have been satisfied. Be confident in proceeding with the transaction before waiving the conditions, as not proceeding with the purchase can result in losing your deposit and may subject you to legal action.
Step 7: Preparing for Possession
Find and meet with a real estate lawyer to review legal documents, including the RPR and title. They will also discuss any restrictions or caveats registered against the property, closing costs, and disbursements. Title insurance is also discussed with your lawyer. Title insurance protects against future discoveries about the property, and it is a form of indemnity insurance for a mortgaged property. There are two types of title insurance: lender's title insurance, which the borrower usually pays for, and owner's title insurance, which either the buyer or seller pays to protect the buyer's equity in the property. Arrange for mail forwarding, utility hook-ups, home insurance, and hire a moving company (if using). Additional closing costs may include lawyer fees, title insurance costs, and property tax adjustments. Consult with your real estate licensee about any additional costs that may be expected in your market.
Step 8: Possession Day
On possession day, you will typically receive the keys to the property around noon. Before that, you may have a pre-possession inspection, which is a chance for you to ensure that the property is in the same condition as when you submitted your Offer to Purchase. You should check that all included items and appliances are still in place and in working order. Cleanliness is not typically a requirement, but if you find that the property is not in the same condition or that something has been removed that should not have been, you should contact your lawyer as it will become a legal issue between you and the seller. By the time you receive the keys, the money for the purchase has typically been transferred to the seller. Your real estate licensee may try to resolve the issue with the seller's representative, but if it is not resolved, your only recourse is to consult with your lawyer.
Email Addresses:
- Main Office Email: yqlprofessionals@gmail.com
- Matthew Cooper (Agent) Email: yqlprofessionals@gmail.com
- Regan Tennyson (Agent) Email: yqlprofessionals@gmail.com
Office Location:
YQL Professionals at Exp Realty
907 3 Ave S,
Lethbridge, AB T1J 0J1
Canada
Office Phone Number:
Office Number: +1 587-896-7653
Please don't hesitate to reach out if you have any questions or need assistance with your real estate needs. We're here to help!
Kind words from Past Clients.
Sharyl Dunn Matt was the perfect realtor for our family!! We had a lot to complete before being ready to sell, and we changed our minds a few times, but Matt patiently stuck with us and kept us on track quite a few times. He went above and beyond to find us what we wanted. He listened to what we wanted and always made time for us despite always being crazy busy! Thanks for everything Matt!! Carly McDonnell As first-time homebuyers, we really didn't know what to expect. We worked with a handful of other agents before meeting Matt. Matt went above and beyond to not only assist us in our home purchase but made the entire process smooth and less stressful. It was clear Matt wasn't just trying to sell us every house we viewed, he listened to our wants and needs and ended up finding us (in my opinion) the perfect house for us and a reasonable deal as well. Matt was hand down the most honest and helpful agent we encountered. Doug and Kathy Gibboney We recently dealt with Matthew, he was always right there for any needs we had, and a super guy to deal with, he sold our home quickly and I would recommend him highly. Chrissy Cahoon Matthew was always there to answer questions and worked hard to find us a home that checked off everything. He advocated for us during negotiations and we are extremely grateful for the time and energy he put into the process. We definitely recommend Matthew Cooper for buying a home. We give Matthew Cooper 5 stars!!! Chris Tokaruk We've purchased two properties now with Regan Tennyson's help. She is friendly, responsive, knowledgeable, and professional. We would recommend her to family and friends. Leanne L. - Lethbridge Regan was an absolute pleasure to work with! She was professional, knowledgeable, and hardworking at all times. She understood exactly what I was looking for and made the process of buying easy and enjoyable. I would highly recommend Regan to anyone! Mark Dunn Matt is, in my opinion, one of the only realtors out there that LISTENS!!! We gave Matt an extensive list of “must-haves” setting the bar high and Matt came through on every property he showed us. Matt is the most dedicated professional I have ever had the pleasure of working with. My wife and I were very pleased with the entire process of buying with Matt and would highly recommend him to anyone who is serious about buying and wants the utmost confidence in their realtor. If you want a positive experience and to be completely satisfied then give this guy a call, he will not disappoint!!!! Thank you Matt from the Dunn family!!! Regards, Amir Abi Farraj It was great working with Matthew. He was very knowledgeable and always available to answer my questions. He made me feel like he really cared about me. I highly recommend Matthew if you are buying a home. Thank you again Matt! Chelsea Wall Matthew is very knowledgeable and dedicated to providing his clients with the best real estate transaction. I would recommend Matthew to help buy and sell a home in Lethbridge and area! Erin Lucas Thank you for being a dream realtor for us first-time home buyers! We’ll miss cruisin’ in the Murano and hearing the latest in “why is there water pouring from Matt’s kitchen ceiling today” You’re on your way to 4-walls, Snake Puncher! #YQL Doug and Kathy Gibboney We recently dealt with Matthew, he was always right there for any needs we had, and a super guy to deal with, he sold our home quickly and I would recommend him highly. Cathy Kanashiro I would absolutely recommend Matt to anyone buying or selling a home! I can't imagine a more dedicated realtor. Matt was there for me 100% for anything I needed for the sale of my old home, and purchase of my new one. He had great advice, excellent support services, and did everything he could to make this a good, fun, and relatively stress-free experience for me. (Matt, it's been a whirlwind! I can't thank you enough for all of your work and support, and patience. I'm so grateful for that moment when I nearly chose a different house, and you asked "does this make you feel happy?" You could see that it didn't, and I think I ended up with my perfect house instead. Thank you!) Jaims B I was referred to Matt Cooper from a colleague of his in B.C. We came to check out the real estate scene in February. Matt showed us as many properties as we could handle in our short visit. He made us feel important and that we were his only priority at the time. We moved out in June and began our house hunt. Again, Matt was there to show us around the listings as we had narrowed our search by this time. He was a huge help in our negotiations and got us a great deal on a great house. We are more than happy with Matt and have nothing but good things to say about him. I would highly recommend him to anyone looking to make a purchase. Pabitra Dahal Honest, helpful, and sweet mark dunn Matt is, in my opinion, one of the only realtors out there that LISTENS!!! We gave Matt an extensive list of “must-haves” setting the bar high and Matt came through on every property he showed us. Matt is the most dedicated professional I have ever had the pleasure of working with. My wife and I were very pleased with the entire process of buying with Matt and would highly recommend him to anyone who is serious about buying and wants the utmost confidence in their realtor. If you want a positive experience and to be completely satisfied then give this guy a call, he will not disappoint!!!! Thank you Matt from the Dunn family!!! Derek Conte Fantastic Realtor. Very transparent and analytical with his price comparisons. We've worked with him in both capacities as a Buyer's agent and Seller's agent. Would recommend him to anyone looking for a great Realtor! Wayne and Jan Zoeteman Matthew was outstanding in all aspects of our home searches throughout Lethbridge. Made himself accessible whenever needed; whether by phone, text, email, or his presence! We couldn’t be happier with the outcome and will be most inclined to recommend Matthew to all who are looking for a most professional, congenial, & persevering realtor!!!!! Satisfaction guaranteed!!!! Twila Denard Love our house, and are incredibly glad we were listened to and that we listened to information on different locations, traffic, and parking, etc. Hind sight is 20/20, but when that hindsight is a happy ever after we will recommend Mat and the extensive time and effort he provided us, to anyone that will listen. Thanks Mat (from Twila) Aaron Campbell Mat did an amazing job helping us find our new home. Goes above and beyond daily for his clients. Definitely setting the bar for customer service in real estate. Susan Oktaba I have been dealing with Matthew Cooper two times now and I am extremely happy with the service I receive from him. Matthew goes out of his way to keep you informed and does not try to keep reducing the price of your home just because there is a lull in buyers. He is extremely polite, giving, and sympathetic to people's needs. I have recommended Matthew to others, and neighbors comment on how he is so on top of everything. Matt will be my go-to real estate man, and I will recommend him to all my friends. Gerry Clewes Matthew Cooper's listings and my eyes were drawn to his sold signs. They got my attention. I did not know Matthew Cooper, but my intuition nudged me to give him a call. I am really glad I did because he willingly agreed on a fair commission. Then he had Stage Right, a Lethbridge staging company come in and professionally stage our house. He then hired a professional videographer to make a compelling video of the positive aspects of our house. He then advertised it online.
Matthew is very motivated, knowledgeable, and dedicated to his real estate career.
The results were immediate! Within a week we had an offer and three weeks later our house was sold! We felt joy and excitement. Matthew did his real estate push-ups. I would highly recommend Matthew Cooper for your real estate agent. Yours truly, Donna and Gerry Clewes. Lindy - Calgary, AB In the spring of 2015, we had the opportunity to work with Regan Tennyson. We were looking for a home for our University of Lethbridge daughter, but the home was being purchased by my brother from Ontario. We live in Calgary. This had the potential to be a complicated situation that would not work out well. Regan made it all go so smoothly! She found us a variety of homes that met our criteria. She visited them first, and crossed some that would not meet our standards off the list. She made herself available on our time schedule as we were coming in from Calgary. After viewing many places on several trips, an offer was made. This became somewhat complicated and could have caused a lot of anxiety. Once the offer was accepted, the closing became another complication as it was pre-planned vacation time for many involved. Regan stayed calm and helpful through the whole process. She supported us with local people, insurance and law firms, that would work with us. She was very attentive, but not overbearing. Her knowledge and skills were complemented by her caring and kind personality. She did such an AWESOME! job on a complicated sale. I can only imagine how well she performs in a typical situation! Thank you Regan!!
FAQ'S
Getting pre-approved for a mortgage is the first step of the home buying process. From start (searching online) to finish (closing escrow), buying a home takes about 10 to 12 weeks. We would estimate that before you move into your new home, you should have $1500 to $2000 CAD available to complete necessary inspections and pay your lawyer to transfer land. Yes, you will need a deposit to secure your purchase contract. This could be 1% of the desired purchase price. So, for a $300,000 home, you would need a $3,000 deposit. This is like paying your down payment up front and will be returned if you do not satisfy your conditions. Please contact us for more clarification..FAQs
What the first step of the home buying process?
How long does it take to buy a home?
What do closing costs come to?
Do I have to pay a deposit?