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Title: 10 Reasons Why It's Hard To Downsize
By: Sandra Rinomato

#1 reason older people put a move on hold is stress. Are you getting ready to downsize but finding it difficult? Here are some reasons why this might be:

1) Items hold precious memories. Each possession tells a story, and it is hard for us to let go of that item for fear of losing the "memory' attached to it. 

2) They just don't make them' like they used to!

Title: Mortgage Shopping Checklist

Most homebuyers need a mortgage and it's therefore important to comparison shop. Terms and conditions differ from lender to lender, so do shop around, compare, and select the mortgage that best suits your needs. 

The Financial Services Commission of Ontario (FSCO) - the government agency responsible for overseeing the mortgage brokering industry in the province - suggests taking as much time as needed to understand all your options. When talking to a potential mortgage provider, broker or agent, for example, you may wish to use this checklist to get answers to the most important questions.

What type of mortgage is best for my needs?
Title: 5 Things to Know When Buying a Condo
By: Sandra Rinomato

IT'S NO SECRET THAT THERE'S AN ONGOING CONDO BOOM IN ONTARIO- just look around you. Our cities are going up vertically, and that means more and more people are enjoying high rise living. So if you are joining the crowd and thinking of buying a condo, here are some tips to make your purchase a smooth one: 

Title: Freehold vs. Condo
By: Sandra Rinomato

Many Canadians looking to buy property today are considering the purchase of a condominium. Condos can be a great choice for many people, including first-time buyers looking to get into the market and build some equity. A condo unit can be a good starting point since it is usually less expensive to own and carry than a traditional house. Condos can also be the right decision for people making their choice for lifestyle reasons. These buyers primarily choose this type of home because of the freedom from maintenance and upkeep it affords. 

....... Read More
Title: What you need to know as a landlord
By: Sandra Rinomato

Many people want to become Landlords to be able to afford a property, or so that they can afford a property in a better area, or just to invest for the long term in real estate income properties. I believe in real estate as an investment, but I also believe that it must be done properly or it can become a huge headache.

There is a lot to know about being a Landlord,

Title: 10 Pros of Moving to Toronto
By: Sandra Rinomato

Diverse and Inclusive Culture:
Toronto is one of the most multicultural cities in the world, with a rich tapestry of cultures and communities. This diversity fosters a welcoming and inclusive atmosphere, making it easy to connect with people from various backgrounds.

Thriving Arts and Entertainment Scene:
Toronto offers a wide range of cultural attractions, including theaters, art galleries, music venues, and festivals. Whether you enjoy live performances, film festivals, or art exhibits, there is always something happening to engage your interests.

Title: 8 Factors to Know Before Moving to Toronto
By: Sandra Rinomato

Living in Toronto, like any other major city, has its pros and cons. While Toronto is a vibrant and diverse city with several opportunities, there are also some drawbacks that residents may find challenging. 

Some of the worst things about living in Toronto include:

High Cost of Living: Toronto is known for its expensive housing market and overall high cost of living. Rent and real estate prices can be prohibitive for many, making it difficult to find affordable housing, especially in the downtown core

Title: Top 10 Dos and Don'ts Before Closing Day
By: Sandra Rinomato

Review the Closing Disclosure: Carefully review the CD provided by your lender at least three days before closing. Ensure that all the terms, fees, and numbers are accurate and match your expectations.

Schedule a Final Walk-Through: Arrange for a final walk-through of the property to ensure it's in the same condition as when you made your offer. Look for any issues that need to be addressed before closing.

Secure Homeowners Insurance: Ensure you have secured homeowners insurance and have proof of coverage ready for the closing. Lenders typically require this.

Title: 5 Mistakes to avoid when buying real estate
By: Sandra Rinomato

Not Getting Pre-Approved for a Mortgage:
Mistake: Starting your home search without knowing how much you can afford or getting pre-approved for a mortgage.

Why Avoid: Without pre-approval, you may waste time looking at homes that are out of your budget, miss out on great opportunities, or face disappointment if you can't secure financing for your desired home.

What to do: Start your homebuying journey by getting pre-approved for a mortgage. This involves working with a mortgage broker or lender to determine your borrowing capacity and interest rates. Once pre-approved, you'll have a clear budget to guide your home search and can act quickly when you find the right property.....
Title: 3 Most Affordable Areas to Live in Toronto
By: Sandra Rinomato

If you don't want to pay the big bucks for Downtown Living, these are the top 3 affordale areas in Toronto to live.
Option1 - Keelesdale–Eglinton West 

Benchmark 2 storey home price: $1,144,000 June 2023

Though Keelesdale–Eglinton West is removed from downtown Toronto, it’s less than an hour away by public transportation and just as bustling — minus the street traffic.......
Title: Biggest Mistake Home Sellers Make
By: Sandra Rinomato

If you’re thinking of selling your home, you'll probably be interested in knowing about one of the most common mistakes homeowners make when they decide to sell their property. 

When the time comes to sell a home, everyone hopes to secure the best possible price. However, determining the optimal sale price requires careful consideration, as a misstep could lead to a significant financial loss, particularly in major Canadian markets.....
Title: 6 Steps to Buying Your First Home
By: Sandra Rinomato

If you're looking to buy a house for the first time you probably feel overwhelmed by all the different things you need to know and take into consideration to make the transition from renter to owner. Buying your first home should be exciting! Here is a step-by-step guide to a typical home purchase:

1. Finding a Realtor

Once you have been pre-approved you will want to contact a Realtor......
Title: Buying Strategies for Today's Market
By: Sandra Rinomato

Today's real estate market is characterized by some of the highest-priced housing ever seen in most major markets of Canada. That reality can be rather discouraging for buyers – especially first-time buyers – wanting to get into the housing market. But take heart, there are several buying strategies that can help you make your dreams of home ownership a reality: 

Start building equity as quickly as you can:
Some prospective buyers have made the mistake of holding off on their purchase while trying to save for a larger down payment. This frequently doesn't work out, since you're also paying rent and just saving a small amount. In the meantime, house prices are still rising, which can leave you farther and farther behind......
Title: What To Know When Buying A New Toronto Condo
By: Sandra Rinomato

Buying a pre­-construction house or condo can be great, especially if you like working with a blank slate. But there are some things to keep in mind:

Expect to wait: 
Most projects take much longer than expected. You might have to wait two or three years between the date you sign your purchase agreement and the date you move in. If there are delays, you could wait even longer......
Title: Carrying Costs vs. Closing Costs
By: Sandra Rinomato

Looking to buy a new home? You may want to start out by making a list of costs involved, including moving costs, legal fees, and even re-decorating expenses. There may also be additional costs associated with leaving your rental residence or mortgage discharge fees.

One of the areas where homebuyers most frequently run into problems is with closing costs. Homebuyers often do not properly anticipate the costs associated with closing a real estate transaction, and the resulting cash crunch can add stress at a time when you need it least......
Title: 5 Tips For Finding a Move Manager
By: Sandra Rinomato

Moving to a new location can be daunting, especially if you’re downsizing from your long-term home.

Wouldn’t it be nice to arrive in your new living space with everything you need already arranged and ready to enjoy—and secure in the knowledge that all the items you no longer need will be promptly disposed of in the best ways possible?

A move manager can help you before, during, and after your move, providing valuable assistance and peace of mind. A moving professional can make your move more organized, coordinated, and stress-free.......

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