New Home Finder Service for Toronto

I would like to talk to you about our newest Home Finder Service.

We are able to email you the newest listings, hot off the press. We are still in a competitive market. Toronto Ontario Canada. You can view these listings in the comfort of your own home,

have a look at the pictures, Ask me to have a look at the property. Go out and see it for you.

When we find the perfect home. You will ask, I hope, for some insights from me about,

What has sold recently in the neighbourhood... What is the same that justifies the asking price of that property, You and I will sit down discuss a negotiation strategy, Are we going in at full price? or below? Lets seek what their motivation is to sell that property.... What their urgency is to be gone?

If its a condominium townhouse property we may need a condominium status certicate. Link to Video. In our process of finding you a home, we need to engage the services of a mortgage adviser. Whichever lender you take is up to you. Sometimes the best mortgage rate is the ultimate feature; other times the mortgage portability, It may be the ability to take that mortgage to another property. Maybe you are only going to be there a short time; you would like to have Prepayment Options of 10 or 15% anytime, or just anniversary dates. Engage people to get you a pre-approval and then a Final Approval if you require CMHC Hi Ratio Approval (EMILY)

We need to engage home Inspectors who are licensed and qualified

Experienced, that I have worked with before, or you can find your own, to have a look at the property to give you an independent evaluation. This can be your Father or your Uncle John.

Whomever you like, It's the person you trust to have a look at that property. And I am on your Team as your Buyer's Agent for the property.

We need to have a look at your where your finances are coming from. How much will this cost you on an Operational Budget, to own your home. I'll go into this in different detail with the Canada Mortgage and Housing - How do you qualify for a mortgage Video. Stay tuned for that.

We need to talk about Up front Closing Costs...

• How much the lawyer will charge?
• How much your land transfer Taxes will be..
• Are you elidgible for rebates?
• How much you need to actually have at the closing table?

So here we go back to Mortgage Management. The best Mortgage is having no mortgage at all.

Having your mortgage paid off as quickly as possible, or if there is a life change situation,

beit a reduction in an income or maternity income change you need to be cognizant of what your obligations are.

I would like to stay in touch with you for a mortgage tune up if not twice a year at least once a year to see how you are progressing getting your mortgage paid off. When we are dealing with your property on a CD I will provide for you all your Purchase and Sale Documents, Financing Commitments, Approvals, Waivers documents Conditions or Waivers, Any conditions or

waivers, what ever was found on the property and reports we need; We need to have your confirmation of Insurance on the property.

Lets recap;

Our Home Finder Service can be used by an area; we have a new TREB Mapping system, We can go by mls grid, By MLS number, By neighbourhood specific, We can shop by price, with a price parameter, Staying to even numbers. We are able to Shop by features surrounding the home or amenities.

A simple issue for me is that I have one phone number to contact me for all details @ 647 218 2414 If you could like to buy a house in Etobicoke, West Toronto or the Condos along Humber Bay Shore I'd be pleased to hear from you.

All this material is available to you as an iPAD presentation or as a pdf and is emailable to you as PDF or powerpoint.

Buying New vs Resale Homes in the GTA

When you start the search for your dream home, you'll probably hear a variety of opinions on whether you should purchase a newly built home or a resale home.

There are advantages to both, and your individual needs, not the age of the structure, should be foremost in deciding which is best for you. For a better idea of which type may be more suited to your needs, let's look at the advantages of both new and resale homes.

Why buy a new home?

Perhaps you love the idea that you can be a home's very first owner. Everything is new and shiny, the neighbours are probably also just moving in, and you can customize the floor plan and colours. Add a fireplace or ceramics, pick your own Kichen cabinets. Buying a new home can be fun and exciting. Here are some other advantages:

• New homes are built with new materials and appliances, so less maintenance is typically required than with resale homes.
• They often possess more safety features and fewer health hazards to conform to today's building codes.
• Many homebuilders offer warranties in case certain problems develop over time.
• The home's major appliances and systems also typically include manufacturers' warranties.
• They typically feature modern architecture and layout such as great rooms, bigger closets, and additional bathrooms, which often replaces the formal dining and/or living rooms of older homes.
  New homes are usually well-insulated due to better windows, more efficient heating and cooling equipment, and greater use of insulation.
• The homes are often made with materials requiring less maintenance, such as aluminum siding, vinyl windows, and pressure-treated wood decks that resist rot and insects.
• They can be easier to customize than resale homes since you can choose many details ranging from floor plans and paint colors to faucets and light fixtures.
• New homes are more apt to be wired with new technologies in mind, such as being pre-wired for multiple phone lines, high-speed Internet connections and extra cable outlets.

Why buy a resale home?

Housing styles have changed with time, and you might favour more traditional layouts and features. Older houses and neighbourhoods may have more character and charm. A sense of community. Schools and libraries have already been built. The trees are full-grown, and the neighbours can tell you all about your new residence and its history. Here are some other advantages:

• Resale homes may provide more opportunities for home improvements.
• They typically have more land than newer properties due to changes in land-use patterns.
  The homes are often in older, more convenient metro areas rather than outlying suburbs.
• You can use the existing home as a base for building a unique property through modernization or expansion.
• Resales tend to be less expensive than new properties and more likely to come complete with items that may cost extra with a new home such as blinds, landscaping, built-ins, fencing, all meter fees already paid, etc.
• Depending on the neighbourhood, resale homes may have lower tax assessment rates.
• These homes often have more traditional layouts, which may include such areas as formal living and dining rooms.
• Buyers can most likely purchase a larger home for the same money with a resale than with new construction.
• Buyers often have more room for negotiating the price or terms of sale than new homes.
• You can feel, see and touch the hoouse you are buying vs holding a plan and a contract.
• Check out who your neighbours will be before moving in.
• Older Toronto neighbourhoods have access to public transit.
• RESALE Market is currently in a Buyer's market mode with incredible opportunities.

As you can see, both offer significant, but very different advantages. Keep in mind that the real question shouldn't be about whether to buy a new or used home. It's more about finding which individual property will best meet the needs of you and your family.

I welcome working with you to find that Dream Home in your future.