BUYING

"Luck is a matter of preparation meeting opportunity" - Oprah Winfrey

For Full Screen Press F11

Uncovering the Truth Wherever It Lies

 

BUYING A HOME, LAND, BUSINESS?
Renting or Leasing a Home, Apartment, Retail/Commercial Space?

 

  • Article 1: Basics
  • Link 1: All Current Listings
  • Link 2: Buying Hints
  • Link 3: All Active Listings
  • Article 2: How much Mortgage Will I Qualify For

 

The buyers for this home came from overseas with limited time and many challenging restrictions. I helped them with my 20 years' experience in:

  • Selecting the right location ( focussing on their many unique needs)

  • The right type, size, no. of bedrooms, upgrades and improvements, etc., to suite their wishes and special requirements

  • Arranging their lawyer and some special legal documents

  • Arranging their mortgage, home inspection, home security, maintenance contractor, waiver of all conditions, and a myriad of other items.

    Now they are absolutely delighted that they bought a home (worth over half-a-million dollars) IN THREE WEEKS time, that fits their WISH-LIST like a HAND-IN-GLOVE.

  • (Since then they have referred me to many of their friends)

    Article  1: BASICS

    Think of the process of buying a home somewhat like a train . . .   Buying Train

     Mortgage (or,  a concrete financial appreciation) is the  Engine.

    Location, type, size, no. of rooms, garage, basement, lot,  closing date, etc., all follow the mortgage. This is a very important step and also an excellent tool for negotiating the best deal. (If you don't need any mortgage, proceed to the next 'cars', i.e., location, size . . etc.).

    Always call me or a Mortgage Broker for even better deals - because, there are often limited time special offers, or new rates that have not been posted yet or will never be posted !!)

    Experience and statistics have shown that Buyers who get too impatient to see homes without doing any ground work with their Agent, end up going to too many homes, getting confused and frustrated, then hastily choosing the wrong home (usually followed by regrets or blaming). Fortunately, most buyers now appreciate the value of being focussed.

    Let me help you with my experience of over 23 Years.

    Everything will fall in to place nicely and smoothly. You'll breeze into your dream home with J0Y and TRIM your costs.

    Call me at 416-J0Y-TRIM (=416-509-8746)

     

    A Tribute to Nobel Prize Winner Muhammad Yunus

        (At the bottom of the following screen, Click on the arrow at the centre of the black square, and then to view in full screen click on the small square at the botom right corner)

           

           

          PLANNED APPROACH

            • Greatly MINIMIZES TIME SPENT IN SEARCH
          • FOCUSES ON ONLY THE BEST SUITED PROPERTIES BASED ON:

            - Location, Price, Type, Size, Inclusions, Improvements

              - Arrange showings of homes on the short list.
              - Accompany you on the showings.
              - Answer questions and get answers from the Seller’s Agent or the Seller, as appropriate.
              - From the homes already seen select the one home for putting an Offer to Purchase.

            Ø       Offer Planning, Preparation, Typing,  Strategising, Conditions, Inclusions and Exclusions

            Ø       Offer Presentation and NEGOTIATIONS

            Ø       Deal with Sign Backs (If any), Acknowledgements

            Ø       Deal with Conditions – Financing (Mortgage), Home Inspection, Status Certificate

            Ø       Removal of Conditions - “Waivers” or “Amendments”

            Ø       Registering Children to Schools

            Ø       Further Viewing, Taking Measurements for furniture, curtains, etc.

            Ø       Lawyers, Closing Costs, Land Transfer Tax,

            CLOSING and After Closing

            Keys, Condition of Home (any damages, any item(s) removed that were included in the Agreement)

            Ø       Change of Accounts          

            v      Hydro (Electricity), Gas, Water & Sewer, City Taxes, Telephone, Cable, Internet, Alarm Monitoring,

            v      Change of Address - Banks, Insurance Companies, OHIP, Drivers License and Ownership, Employer, CRA, Relatives & Friends, Magazine Subscriptions,

            CUMMER CHOWDHURY, M.Sc., Salesperson, Award Winner, REALTOR® Since 1987AneesaSmooch

            ROYAL LEPAGE REAL ESTATE SERVICES Ltd., Brokerage.

            905-275-9400, Direct: 416-509-8746 (416- J0Y-TRIM).

            Let me put J0Y in your move and TRIM your costs!




            INTENDED FOR SOLICITING ONLY BUYERS AND SELLERS WHO ARE NOT CURRENTLY UNDER ANY AGREEMENT WITH A REAL ESTATE BROKERAGE



            ARTICLE 2:

              PLEASE NOTE:

              The actual maximum mortgage qualification involves many other factors, i.e., total family income, the best mortgage plan suited to your needs, etc.
              Just as an example, the formula changes substantially if you have no debts or if you are making any payments.
              How about some loans or gifts from parents to increase the down payment?


              If it is not set up properly at the beginning, it can have serious tax implications. So, please call me for help and guidance.

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