Some people still think that real estate agents only work for sellers and that’s not the case.

I cannot stress how important it is to have a buyers’ representative when you’re purchasing your first home, someone who guides you through the process and protects your interests. Many buyers mistakenly think they’ll get a better price negotiating directly with the seller or the seller’s agent. This is not true, and 1st time buyers are at an extreme is advantage without the experience and knowledge of the right representative to take the guess work and stress out of the process. 

Actually, all Buyers can utilize the benefit of a real estate sales representative to help guide them through the home buying process and represent their best interests in a transaction. Real estate commissions are typically paid by the seller as well, so utilizing services for proper advice and assistance comes without paying out of pocket.

A real estate professional can ensure the buyer is assisted through each step of the home buying process and educate along the way allowing you to be fully confident in the decisions you’re making.

The Smartest Fox will help you choose the right Home by really getting to know your needs. Talk to me about your priorities and try to identify the features you are looking for including needs and wants but also areas that could be subject to compromise. To get you started, are you looking for…

A single-family dwelling, a semi-detached or a condo/townhouse?

Do you prefer a new or older house?


Proximity of services?

Is being close to work or to schools important to you? How many bedrooms and bathrooms are necessary and would you be open to creating that extra room if space allows?

How much storage room do you need?

Outdoor considerations like what are your needs in terms of parking or a garage?

Do you want a patio, a balcony, a pool…entertainment space for your Fox Friends?… and if they’re not there but the space is, is that a good compromise?

Need for renovations? Are you handy or able to hire out?

Are you looking for a house that needs no improvements?

Don’t you worry if your mind is swirling, after the first few showings it will quickly become very clear to me, even if you don’t see it, what direction we’re going in and I can help narrow down and fine tune the choices to your perfect Fox Den!

*Remember while viewing a little paint & flooring updates will go a long way!

Gain valuable equity in a home with the perfect space for your growing family is just a little sweat equity away, saving you money upfront compared to fully finished options.


The Hastings County Down Payment Assistance Program assists the Quinte Region with modest incomes who pre-qualify for an insured mortgage to purchase their home instead of continued renting. The program typically runs on a yearly basis with fixed funding available on a first come first served basis. Eligible participants can apply to receive an interest-free loan of up to ten per cent of the purchase price of a home, if you live in this home for a fixed period of 20 years, you never have to repay the loan. If you move early, your down payment repayment+ goes right back into the program to help another family achieve their dream.

Either scenario with my services, I educate clients on what to look for to build value and the best potential to have that home fit every stage of life to last the 20-year period.

A huge benefit to this program is getting out of the vicious circle of renting. Think of your 5-year plan, without the program would you still be renting due to the inability to save a down payment yourself?

Well if you’ve taken your savings each month from paying your own mortgage instead of renting (let’s say it’s $200/month) and we did think about these key elements and you’ve built yourself some equity in your home, you’re very likely to accumulate the money you need to move forward with your next stage in life purchase even after paying the program back if you choose to sell early.

*Funding, rules & guidelines required for the program change on a yearly basis; please contact The Home Ownership Down Payment Assistance Program or Myself directly to assist in obtaining the most current information on rules & guidelines and if/when funding is available.


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Amy Fox

Sales Representative

Quinte Ltd., Brokerage.

Independently Owned and Operated.

106 N Front St,

Belleville, ON K8P 3B4

Direct: 613.403.7430

Office: (613) 969-9907



Exerting passion, professionalism, integrity, and uncanny industry knowledge while specializing in investment properties, estate sales, first time home buyers and assistance programs, growing family homes and high-end residential real estate throughout the Quinte Region including Belleville, Prince Edward County, Quinte West, Napanee and surrounding area. Working every aspect of the industry representing sellers, buyers, investors, new home builders and banks.

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