That first conversation covers financing. Joel will ask whether you have a mortgage pre-approval in hand, since the minimum down payment rules, 5 percent on the first $500,000 and 10 percent above that, decide what price range is realistic before you ever see a listing.
Once you are pre-approved, Joel builds a shortlist against recently sold homes rather than what is currently asking, because asking price and closing price can diverge by neighbourhood. He also flags any home where an unpermitted renovation could affect financing or insurance.
From there it is showings, an offer with a home inspection condition, and a lawyer to handle title through ISC and possession. Get your hand-reviewed valuation from Joel Dyck.