CENTURY 21 All-Pro Realty (1993) Ltd., Brokerage*
- 289-771-2121 ext Bob
- 289-771-2121 ext Bob
- 365 Westwood Drive
Cobourg, ON K9A 4M5
Welcome to my Website
As a CENTURY 21® Real Estate professional, I am dedicated to providing you with the highest quality service possible. My personal knowledge of the local Real Estate market is combined with the power of the CENTURY 21 brand - the most recognized name in Real Estate today.
Let me assist you in finding your dream home, in a neighbourhood that is right for you, and in the price range you want. Or if you are interested in selling a property, I also have the expertise to help you get the fastest sale possible and at the best price.
I look forward to the opportunity of working for you!
Give me a call or email-me, and I'll get started right away!
In Ontario, a REALTOR® is a licensed real estate professional who is a member of a local real estate board as well as the Canadian Real Estate Association (CREA) and the Ontario Real Estate Association (OREA). This individual has successfully completed an intensive course of study and has skills, knowledge and experience that most buyers and sellers don't have. He or she must adhere to provincial law and abide by a National Code of Ethics, ensuring you a high level of service, honesty and integrity.
Wasaga Beach Resident for 9 years
Jo-Anne and I moved to Wasaga Beach in November, 2001
We were well established in the Ajax area but felt it was time to be closer to our retirement dream........so we "sold" and "bought" through a trusted friend and Realtor........and we have been very happy with our decision.
Jo-Anne has very fond memories of childhood summers at Wasaga Beach with family and friends, so it seemed only natural for us to move to this area.
I have spent over 35 years in the automotive industry - most recently as a service advisor with Mike Jackson GM in Collingwood.
Jo-Anne spent 26 years with Cooperators Insurance - the last 16 of those as a Life and General Insurance agent/owner in the Ajax Pickering area. Between the two of us, we have solved a lot of problems for a great number of people on a day to day basis.
We have two successful daughters, a brilliant son-in-law, and four beautiful talented grandchildren. We love to spend as much time as possible with all of them. It goes without saying, that their favourite time to visit is during the summer when weather is ideal for our Georgian Bay area and the Beach!
Now that they have all taken up skiing, we look forward to seeing them during the winter also when they come up to enjoy the hills at Blue Mountain
We both enjoy golf so we have met many others who also love to get out and enjoy the courses in and around Wasaga and Collingwood.
We feel that we are in a position to know this area very well, and look forward to finding the perfect home for our clients. Hopefully they will enjoy living here as much as we do.
I'm an avid golfer and a member of both Marlwood and Links of New England courses in Wasaga Beach.
During the winter I'm a member of 3 dart leagues..........one in Collingwood and two in Wasaga Beach - mens' and mixed.
We are constantly upgrading our knowledge of the Real Estate market, and actively taking upgrade courses through OREA.
As Realtors based in Wasaga Beach, we are members of the Georgian Triangle Real Estate Board, OREA, CREA and have access to the Toronto Real Estate Board, the Barrie Real Estate Board, and the Southern Georgian Bay Board.
Buying a Home: What You Can Afford
Is now a good time to sell your house?
Marketing Your Home
I am a volunteer for the Georgian Triangle Real Estate Board on their Community Services Committee - and as such, take part in local fund raising for Habitat for Humanity and local shelters.
Tips to sell your house
When you are ready to sell your house you'll want to make your home as marketable as possible. Here are a few tips:
Clean everything in and out of sight
With clipboard in hand, take a tour of your home. Take note of every opportunity to remove clutter and dirt. Rooms, closets and cupboards will appear larger and more inviting when you get rid of unnecessary stuff and tidy up what's left. Remove bulky or unused furniture and rearrange the rest to make the best use of space.
Most of us are pack rats, so apply the following test to every questionable item: Have I used this in the past six months, or will I need to use it soon? If the answer is no, throw it away, store it elsewhere or sell it in a yard sale.
Be equally aggressive in disposing of dirt. Pay particular attention to the two most important rooms in a buyer's mind: bathrooms and kitchens. And once you've removed all the dirt: keep everything clean, every day. You never know when the person who will ultimately buy your home will visit.
Repair as much as you can
During your home tour identify the things that are broken, cracked, stuck or just plain don't work anymore. These can include: leaky faucets, holes in window screens, stuck or broken windows, lights that don't work, doors that squeak or don't close properly, missing or broken cupboard handles, cracks in the walls and ceilings, and dozens of other "little things" you've been meaning to do for years. Now is the time.
Certain items, such as roof or basement leaks, must be repaired, along with any water damage. Electrical or heating system problems must be fixed. Some repairs, however, may not be necessary. Will that hairline crack in the driveway really make or break the sale? How about a chipped floor tile in the entryway? Some buyers will have their own ideas about how to deal with these problems. You may find it easier to adjust your selling price to reflect the cost of these repairs, rather than pay for them yourself.
De-personalize your home
Your house reflects you. It is decorated with your taste and your sense of style. Unfortunately, that heart-shaped table lamp your grandmother left you may distract potential buyers from seeing the home itself. Grit your teeth and store all personal items (framed family photos, trophies, etc.) out of the way.
If you have brightly coloured accent walls or heavily patterned wallpaper, consider repainting or wallpapering these areas with light, neutral colours that enhance a room's size and make it more flexible to receive any kind of furniture. Remove area rugs, light fixtures and other items that buyers might find too difficult to imagine in "their home", even if you were not intending to include these in the sale.
Beautify the house and yard
Peeling, dry paint is relatively easy to fix or replace and can make all the difference in your home's appearance. If your carpet or other floor covering is in really bad shape, consider replacing it. The same holds true for badly tattered window coverings such as drapes and blinds.
Outside the house, weed the flower beds, remove dead tree branches, keep your lawn well-mowed and edged, trim the hedges, rake the leaves, sweep the sidewalks, fix and paint the deck or fence, plant a few flowers and do anything else you can think of to enhance your home's curb appeal.
It may sound like a lot of effort, but these tips, and the assistance of a REALTOR®, will help you sell your current home quickly so you can move on to your next dream house.
Glossary of Real Estate Terms
If you're buying a home for the very first time, the process may seem a little daunting. After all, buying a home is probably one of the biggest investments you'll ever make. I have the experience and the knowledge to guide you through the process of buying your first home and can help take the mystery out of the many terms, phrases and clauses you will encounter.
The following are definitions of some of the most common real estate terms you are likely to come across.
Amortization: The number of years it takes to repay the entire amount of a mortgage.
Appraisal: An estimate of a property's market value, used by lenders in determining the amount of the mortgage.
Appreciation: The increase of a property's value over time.
Assessment: The value of a property set by the local municipality, for the purposes of calculating property tax.
Assumable Mortgage: A mortgage held on a property by the seller that can be taken over by the buyer, who then accepts responsibility for making the mortgage payments.
Blended Mortgage: A combination of two mortgages, one with a higher interest rate than the other, to create a new mortgage with an interest rate somewhere between the two original rates.
Blended Mortgage Payments: Equal or regular mortgage payments, consisting of both a principal and an interest component. With each successive payment, the amount applied to interest decreases and the amount applied to the principal increases, although the total payment doesn't change. (Exception - see variable rate mortgages.)
Bridge Financing: Money borrowed against a homeowner's equity in a property, usually for a short term, to help finance the purchase of another property or make improvements to a property being sold.
Buy-down: When the seller reduces the interest rate on a mortgage by paying the difference between the reduced rate and market rate directly to the lender or to the purchaser, in one lump sum or monthly instalments.
Closing: The real estate transaction's completion, when the parties involved agree that all legal and financial obligations have been met, and the deed to the property is transferred from the seller to the buyer.
Conventional Mortgage: First mortgage issued for up to 75 per cent of the property's appraised value or purchase price, whichever is lower.
Counteroffer: One party's written response to the other party's offer during purchase negotiations between buyer and seller.
Debt Service Ratio: The percentage of a borrower's gross income that can be used for housing costs, including mortgage payment and taxes (and condominium fees, when applicable).
Deed: A legal document that conveys (transfers) ownership of a property to the buyer.
Easement: A legal right to use or cross (right-of-way) another person's land for limited purposes. A common example is a utility company's right to run wires or lay pipe across a property.
Encroachment: An intrusion onto an adjoining property -- such as a neighbor's fence, storage shed or overhanging roof line that partially (or even fully) intrudes onto your property.
Equity: The difference between the price for which a property can be sold and the mortgage(s) on the property. Equity is the owner's "stake" in a property.
Foreclosure: A legal process by which the lender takes possession and ownership of a property when the borrower defaults on the mortgage obligations.
High-Ratio Mortgage: A mortgage for more than 75 per cent of a property's appraised value or purchase price.
Land Transfer Tax: Payment to the provincial government for transferring property from the seller to the buyer.
Lien: Any legal claim against a property, filed to ensure payment of a debt.
Mortgagee: The lender.
Mortgage Insurance: Government-backed or private-backed insurance protecting the lender against the borrower's default on high-ratio (and other types) of mortgages.
Mortgagor: The borrower.
Multiple Listing Service (MLS): A system for relaying information to REALTORS® about properties for sale.
Prepayment Privilege: A mortgage feature that allows the borrower to prepay a portion or all of the principal balance with or without penalty. This privilege is frequently restricted to specific amounts and times.
Principal: The mortgage amount initially borrowed, or the portion still owing on the mortgage. Interest is calculated on the principal amount.
Status Certificate: A written statement of a condominium unit's current financial and legal status.
Variable-Rate Mortgage: A mortgage for which payments are fixed, but whose interest rate changes in relationship to fluctuating market interest rates. If market rates go up, a larger portion of the payment goes to interest. If rates go down, a larger portion of the payment is applied to the principal.
Vendor-Take-Back Mortgage: When sellers use their equity in a property to provide some or all of the mortgage financing in order to sell the property.
Zoning Regulations: Strict guidelines set by municipal governments regulating how a property may or may not be used.