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With over 15 years of experience in the real estate industry, I am committed to providing expert guidance and personalized service to help you find your dream home or investment property. Licensed since 2008, I bring a wealth of knowledge and dedication to every transaction, ensuring a seamless and stress-free experience. Supporting me is my licenced assistant, Jody Collins, who has been in the industry since 2007, offering an additional layer of expertise and attention to detail. Together, we are a trusted team passionate about turning your real estate goals into reality. Let us put our experience to work for you! I offer:
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Ready to find your dream home? Let us make the process simple and stress-free! Request a copy of my Home Buyer's Guide—your go-to resource for navigating the home-buying journey. Get your free copy today and take the first step toward homeownership with confidence!
HOME BUYER'S GLOSSARY
AMORTIZATION SCHEDULE
The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.
Equity
The process of determining the market value of a property.
Mortgage
A mortgage that can not be prepaid or negotiated for a set period of time without penalties.
Closing date
The date on which the new owner takes possession of the property and the sale becomes final.
Collateral
An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.
Deposit
A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.
Equity
The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.
Term
A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.
Term
The period of time the financing agreement covers. The terms available are; 6 Month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.
