Charlotte  Ferguson

Charlotte Ferguson

Sales Representative, Mortgage Agent

Red and White Realty Inc. Brokerage *

Email Me
Charlotte  Ferguson

Charlotte Ferguson

Sales Representative, Mortgage Agent

Red and White Realty Inc. Brokerage *

Email Me

Buying Tips

Buying A House Is Hard Work

With the right professionals on your side it will seem like a breeze! Our goal and commitment is to make the home buying process as simple, easy to understand and relaxing as possible. Click on the video to your left to see just how much we can do for you & just how easy it will be!


“The house you looked at today and wanted to think about until tomorrow may be the same house someone looked at yesterday and will buy today.“



Buying a Property?


Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.

While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.

I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly-priced and in good condition before you start your search.


Your First Step


Your first step to buying a home is to first ask yourself why you want to buy a home: to stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you’d like and where you would like to be. Be specific. Separate the “must haves” from the “want to haves.”

Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.

Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.


Your Next Step: Loan pre-qualification


Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in a matter of minutes.

Call me and I will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.


 I Will Find the Right Home for You

Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them. I have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search my listings here on my website.


I Will Help You Every Step of the Way

I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.

What Homebuyers really want

Let’s Get Started With My Guarantee To You

A Guarantee You Can Count On

The number 1 complaint sellers have about their Realtor® is the lack of communication. That will not be the case with me. You will be notified and updated throughout the process. If at any time you feel I am not doing my job or we are not a good fit, you can let me go immediately and hire another Realtor® or Brokerage. I am so confident that you will be happy with my services that I do not believe in locking you into a contract.

I take the normally complicated process of selling a property and simplify it. I will take care of everything from professional photos and advertising to walking you through how each step of this process will go. If at anytime you have a question during our time together for this transaction, my goal is to respond within 5 to 30 minutes.


I dreaded the thought of working with an agent after a horrible experience with an agent back in 2010. It had turned me off so bad, that’s how long I waited! I was browsing around, too afraid to take any action when Charlotte called me up. Shocked? A little. But immediately her calming, knowledgeable vibe kicked in and I found myself nodding and sharing and spilling my wish list. I started to recieve properties that night and within 10 days I was signing an offer to purchase! Charlotte being a mortgage professional, too, made it all the easier to handle the paperwork. I won’t work with anyone but you, Charlotte!

Cindy R.



Working with Charlotte felt right from the start. She truly understood my needs and dug deep to find the perfect property. A few years and life changes later, Charlotte listed and sold (in 1 day!) my home. Then, found me my dream – once again. She provided me with referrals to all sorts of tradespeople and a great lawyer, too. Charlotte kept me in the loop but only “looped me in” when she needed something. Otherwise, she took case of it all! What service.

Shawna W.


Friendly Real Estate Help You Can Trust

Charlotte Ferguson is truly invested in the Kitchener-Waterloo area. Her experience in the mortgage industry and familiarity with the area will be assets to both buyers and sellers.


Being first time home buyers, we were a little intimidated at first. Luckily we found Charlotte who made the process much easier than we had expected. Our questions were answered quickly and efficiently. We both are very happy with our first home and couldn’t have been more pleased with the level of service.

Jamie & Douglas


Trustworthy.  The first word that comes to mind when I think of working with Charlotte.  Having a trustworthy Mortgage Agent lifts a huge weight off of your shoulders.  It gives you comfort that you are in good hands with someone who cares.  She took a process that I found overwhelming and walked me through it step-by-step, at my pace.  Charlotte was more than my Mortgage Agent.  She was patient. She was thorough.  She was reliable.  She was a lifesaver.  Thank-YOU for being exactly what I needed.

Amy F, 

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A little about meLOCAL EXPERTISE

Charlotte Ferguson is truly invested in the Kitchener-Waterloo area. Her experience in the mortgage industry and familiarity with the area will be assets to both buyers and sellers.



With a Realtor® like Charlotte by your side you don’t have to “Do it alone.” A good Realtor® has the training, the know-how, and the experience to help you through each step of the process and to make the process of finding, buying and moving into your home as smooth, quick and enjoyable as possible.


A Realtor® has valuable sources of information about market trends, neighbourhoods and, especially, information about homes for sale throughout the areas that appeal to you. Remember, not every home seller runs an ad in the local paper or puts up a sign in the yard; you could be driving by some outstanding properties for sale that may be just what you’re looking for in a home, but you don’t know it. An agent, on the other hand, offers you access to complete, regularly updated information about every home listed by agents through the Multiple Listing Service® (MLS®).

Designation: ABR, SRES, CSP, CNE,

Experience: 10

Awards: ABR, CNES, CSA, Mortgage Agent, Reverse Mortgage Specialist

Area Covered: Kitchener, Waterloo, Cambridge, Elmira, Wilmot, Wellesley, Stratford, Guelph, Elora, Fergus, St Jacobs, Heidelberg

Languages Spoken: English, French