I have spent a fair amount of time in Toronto Traffic court recently;
People who are facing charges hire licensed paralegals to get up and talk for 30 seconds. OK maybe a minute before they are cut off by the judge.
Lets examine that. You hired a paralegal to do what you have no experience doing, have never done before, because you don't know the law, and repercussions can be damaging financially to your financial position, insurance company and driving record.
This expense is easily $250 - $400 for that one or two minutes and you are not guaranteed anything.
Mr Data, Can you form a premise? It is possible to do everything right and still lose. Picard
Yet with selling your own home and the size of that event; you want to stick a sign in your front lawn and invite strangers, hucksters, barter negotiators [take my boat as a down payment] ( I'll give you post dated cheques for the closing.... currently in litigation)
What is the FSBO's Logic?
The Buyer, with a professional buying agent, has a gauge of value, the ability to compare, examine all available properties in detail, the luxury to sit back and evaluate, discuss strategy and then prepare an offer.
It is now in the Sellers Hands.
It is not my job to explain things to you.
We all want to own our own home; Its an emotional issue. Belonging. Stability. Your refuge. Your own lawn or Balcony away from the world. This is Human Nature and one of the BIGGEST draws about coming to Canada.
The New dynamic of Contract Employment and Now YOUR responsibility to remit taxes is creating a strata of Strong Income Earners who are paying very high rents to live in Toronto, [ yes albeit in modern clean well appointed new condo developments,] that may have missed a payment or two, missed a filing deadline, still have a student loan, become divorced or simply had a reversal of fortune that dramatically changed their circumstances and the CREDIT BUREAU report.
You are ready to start a family and your needs are changing. We need to look at this differently. Let's Get your credit repaired and Go Buy you, your own place, so you can stop feeling like you are throwing your money away on rent.
If you are in the Toronto GTA, I would like to meet with you.
http://Bit.Ly/GetDave or write http://Bit.Ly/CallDavid or email
Of course; You could just call 647 218 2414
Before meeting someone in person, today's Home Sellers have the advantage of interviewing applicants online. A Video Post card arrives.
What was previously a print package including samples of past sales crusades and puffery about past achievements, why I was the Best Agent at My Mother's Kitchen Table [*only my Mother was surveyed]
Like everything in life that looks so easy... It takes some skill and practice to avoid unknown and unexpected pitfalls. Planning and Preparation is essential.
I'm close by... Call me
Liz Manore, from the Company of Organizers, does a wonderful job to repurpose your existing contents when staging a home but sometimes you plainly need to make hard dollar improvements prior to listing the house for sale. With this in mind we contacted a well known flooring company.
In my ongoing efforts to provide you with value added service I have joined forces with
Roman Mamalyga of Canadian Floor Coverings for an exceptional offer.
Roman has been providing quality flooring solutions
and professional sales, service and installations in the greater GTA for over 25 years.
They are recognized as a leader in the flooring industry in both the residential
and commercial applications.
We are pleased to offer an additional 25% off all flooring products PLUS
an additional 25% off all service and installations or a deferred payment installation program to assist your sale. * please call Roman Mamalyga for details at 416 938 0648
Let's get started today!
Call David Pylyp for a jump start on your home search! Where will your search take us? http://Bit.ly/GetDave Your contact for New Listings in West Toronto.
How do we rank as a Country compared to others?
Where do the wealthiest want to live in Toronto? Ahh That is a good question.
Source: http://www.guardian.co.uk/news/datablog/2013/may/08/cities-top-millionaires-billionaires
Lets find that perfect home for you. Call me.
The Mortgage is up for renewal.
The average mortgage is Toronto is just under 300K. Source. While watching current rates offered to new borrowers we received our Offer to Renew.
I was shocked to see that as a new Buyer my Trusted Mortgage Advisor could obtain 3.0% (a few basis points below) fixed for 5 years. Why was I being offered 4.4% for the same term?
- Had I missed any payments?
- Had I been problematic?
- Was it in collections?
- Values dropping and they want out?
- Advance to Value declining?
Here are the hard numbers...
The lending institution is gambling that you will not spend a thousand to $1,500 to refinance and move your business elsewhere. We contacted another lender who waived their appraisal and application fees, needed only redocumented legals and a registration on title (lawyer fee). Yes we paid a discharge Fee and Leave Lender Fee; and extra $500.00
They gave us the 3.0% refinance package for 5 years saving me a HARD DOLLAR amount of $4,200 in the first year and the same in each following four years. An actual savings of $20,000 that can go to principal reduction or other debt repayment instead of bank profits. Do you have other bills you could have paid?
When we contacted the existing Mortgage Company they said; "Why are you moving your mortgage?" We responded "We received a better rate." Their mortgage rep then said "We can match that to keep your business! Me: "Why didn't you give us that in the first place?" Silence.....
We had already signed the commitment with the second Lender. Legals had been obtained and quoted. I don't have a [money] large enough accounts like UNIONS to threaten the bank with a withdrawal.
Have you had a similar experience?
Can I recommend a Trusted Mortgage Advisor? It may even be with the same bank!
There is The better way to buy or sell a house in #Toronto or #Etobicoke http://bit.ly//CallDavid It's all about being part of the conversation.... All the detached houses you can handle. http://homeswesttoronto.tumblr.com/mobile
https://plus.google.com/u/0/109283965469179719942/about
We are here. READY.
You're the customer.
We strive not only for your happiness but for your long term success
Does this mean giving you everything for Free?
Not at all.
To make you happy in the long term; we need to survive in the short term, otherwise we're out of business, No one will be here to fill any of your needs.
I'm here to answer your questions and provide context.
What kind of ride are you on?
