CENTURY 21 Leading Edge Realty Inc., Brokerage*
- 165 Main Street North
Markham, ON L3P 1Y2
Our focus is the creation of life time clients. Our role is to provide a service to people who place a high value on integrity, high ethical standards and successful results. Our job is to provide objective counseling and professional, knowledgeable representation in the field of real estate and help somebody acquire a properly selected piece of property that can be a building block for their family unit and their financial present, and assisting them in achieving their goals and dreams for themselves and their family is our fundamental goal.
Samir & Freiza Mosaad and Experience Excellence
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"BUYERS" How to Choose a Real Estate Agent
There are two common ways to choose a real estate agent: you can get a personal recommendation from someone you trust, like a friend or family member – who has bought or sold a home in the area in which you are interested. If somebody else you know has had a good experience, it is likely you will as well. Or, you can search the Internet or other advertising media to find your real estate agent.
How To Choose A Real Estate Agent By Samir Mosaad
Choice Of a Real Estate Agent Is Serious
Of course, the question comes up all the time: why should you use a real estate agent at all? With the surge in FSBO (for sale by owner) websites and the explosion of websites geared to helping buyers find properties and research neighborhoods, some people think about doing the job themselves. The fact remains that though you might find your ideal home on the Internet, it is still essential to have an advocate who will help you every step of the way, from screening properties, to negotiating the best possible deal for you, to handling the dozens of transactional details. What are the potential dangers of not having a trusted professional guide you through the process?
- You can waste weeks, even months, searching for the right home while missing out on great opportunities because the public MLS (realtor.ca) is not immediately updated nor does it contain vital property information
- The Seller’s agent is looking out for his or her client, not for you – they will not negotiate fiercely on your behalf, so you could easily overpay for the house
- Conversely, no counsel on current market value means you might lose your dream home by only a few thousand dollars in multiple offer situations
- Serious problems with the home, including structural damage, may not be visible to the untrained eye and once the deal closes, you are stuck with the property
- Complex clauses in the offer to purchase (drafted by the Seller’s advocate, not yours) may put you at a disadvantage in terms of payment arrangements and conditions
- Your deposit money can be tied up for months in the event that the deal falls through; in extreme cases of fraudulent sellers, that money can literally disappear
- Once the deal is done, you are on your own in terms of the closing and any issues or problems that might arise.
Buying a home is a big step, both financially and emotionally. Our clients are all happy to have had an agent on their side. My team has helped many hundreds of people buy their homes, and our experience pays off. The great news is, Buyer Representatives are compensated through the Seller, so using a REALTOR® does not require you to pay any out of pocket fees. My team works on contingency, putting all of our time and effort into helping you reach your real estate goals. We do not get paid until you are happily nested in your new home!
Sometimes clients approach me to help them buy their next home and out of curiosity, I ask them why they are not working with the person who sold them their last home. From the answers they have given me about what is important to them, here are some things to keep in mind when choosing your Realtor:
- Go local – look for the top REALTOR® in the area you want to live in. Your REALTOR® should work in the area you want to move to – how else will they know what the local market is doing and what private opportunities might be under the radar?
- Check the agent’s track record of success over the years – a good REALTOR® should know their stats. Ask to see their client testimonials, and search the content of their website, which should give you a good idea of how the REALTOR® works for their clients.
- Choose an agent who often handles homes in your price range. If you are a first time condo buyer, choosing an agent who primarily sells trophy homes means you may not be getting the market expertise, time or energy they would devote to someone with more money to spend.
- Call one of the agents on your short list and speak to them or a member of their team. If you enjoy the contact, then you are in good shape to meet them in person to determine if they are the right fit for your unique needs and lifestyle. After the meeting, think about whether they seemed trustworthy and honest, realistic when discussing your home purchase, committed to you, motivated to helping you, and knowledgeable.
- When it comes to real estate, two (or more!) heads are better than one. If the agent you are considering works with a team, including a buyer specialist and administrative staff, you can usually be assured of a better experience. No successful REALTOR® can fill every role in the complex buying process, so although you might not be working with the CEO or team leader all the time, you are still getting the best of his/her expertise plus the rest of the team’s time and skill.
- Choose an agent who listens to what you want and who takes the time to explain things which are not clear to you. Ask questions!
- Ask what makes your Realtor’s service special what distinguishes them from all the other agents out there.
- Choose an agent who is available on your time schedule. If you are only available to look at homes on Sunday, and your agent does not work weekends, then find one who can accommodate you. Ask what provisions are in place for when your REALTOR® is not available.
- Make your experience a ‘one-stop-shop’! Your agent should be able to assist you with other necessary real estate services, such as arranging a house inspection, arranging a mortgage and finding a real estate lawyer.
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 neighborhood 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!
"BUYERS" Home? Investment? Investment Home?
Unlike other investments, which can be really volatile, the increase in the value of homes is relatively steady. The average house price in Canada increased every year for nine years preceding 2008, and because the real estate Market is cyclical, it will rise again.Home or Investment?
People tend to invest their extra money in real estate and the stock market, both of which have their peaks and valleys. Of these two popular investments, real estate tends to dip for less time than it peaks; there are longer periods of sustained growth, shorter valleys, and over time, the trend is always upward. That is why personally, I have chosen to invest in real estate! I am proud and privileged to own my home and several other Toronto properties.
Here is what you need to know about investing in real estate:
If you plan to live in your property for more than five years, you are in a great position. You will have the benefit of being able to ‘time the market’ and sell when it is to your advantage. In this case, your home is also a lot more than a tangible investment in your future – it is a place for you and your family to put down stable roots in the community, while enjoying and personalizing your living space.
If you have bought your property mainly to generate rental income, and do not ‘have’ to sell it at any specified time, you are similarly in a good position to gauge when prices have hit their peak so you can sell at the height of the sellers’ market. In the meantime, all that rental income is paying for the mortgage, repairs, and upkeep.
Toronto’s housing market is known as an ‘end-user’ market because the majority of homes are purchased with the intention of being owner-occupied. However, some buyers do purchaseinvestment property – often pre-completion condos, vacant land or homes in disrepair with the intention of making improvements and then selling. ‘Flipping’ properties requires skill, business acumen and a great deal of planning, and because the intention is usually to re-sell the property within a shorter period of time – you have to time it right.
Remember, there are other important financial benefits to owning property:
- Tax benefits for improvements made to the property
- Government rebate programs for eco-friendly renovations
- Homeowners can use the equity in their homes as security for other loans
- Building equity in your first home puts you in a good position to trade up to bigger and better houses as your circumstances allow
- Mortgages on investment properties are tax-deductible
"BUYERS" Why Buy Your Own Home?
Why Consider Buying a Home?
With everything going on in the economy today, the first question many people ask me is whether real estate is still a good investment. They want to know if they should buy now or wait until prices drop even further. After so many years of the Toronto real estate market booming, people are understandably concerned with the recent numbers which indicate a drop in property sales and prices!
Our team designed this comprehensive Guide to Buying so you can be prepared – prepared to think about buying a home, prepared to afford your home, prepared to buy it and move into it. Our goal is for you to have an edge over the many buyers out there who are making decisions based on incomplete information, lack of experience and even desperation. Our whole business is based on making sure you are thrilled with both the process of finding a home and the end result: owning a piece of Toronto you really love.
So, I always tell my clients that there are many good reasons for buying a home, and it ultimately depends on what is best for you. Of course, before you begin looking for a home, we will sit down and discuss your situation and craft a plan to help you attain your ultimate goal. Most buyers do have some main objectives in common. Do any of the following examples remind you of your own reasons for considering homeownership?
PROBLEM: Debbie and Joe moved into their home five years ago and they loved it, but they are ready to start a family and there just is not enough space…
SOLUTION: Move up buyers, whose current homes no longer meet their requirements for space and amenities, do not necessarily have to wait to move up. With excellent mortgage rates spacious homes are now more affordable than ever. Our expert team will ensure that current homes are sold in the least amount of time for the best possible price so they can fully take advantage of current market conditions.
PROBLEM: George and Ellen own a big house in a mature North Toronto neighborhood, but now that their kids have moved out, they feel like they are ‘rattling around’ in all that space…
SOLUTION: Down sizers are benefiting from the softer condo market by getting bigger suites in better buildings at great prices, sometimes with incentives from builders such as free upgrades, free parking and more!
PROBLEM: Karen and Mark wanted to live together before getting married, so they left their separate apartments and moved in to a rental downtown to be closer to their jobs. Now they want to make some renovations in the unit to accommodate a painting studio for Karen, but the landlord will not allow changes.
SOLUTION: First time home buyers can now carry many properties for the same cost as renting, while building equity for their futures. And freehold ownership means the right to make alterations that will truly make their household a home.
Of course, if you are thinking of buying, it is crucial to examine your own personal and financial circumstances to determine whether now is the right time for you. Here are some key points to consider:
- What sort of monthly payments (mortgage, taxes, utilities etc.) can I afford?
- How big is my down payment?
- Do I have funds set aside for closing costs?
- Is my job stable?
- Are my needs (job change, starting a family, etc.) likely to change in the next 12-24 months?
- Do I have time and energy for this process? (looking for homes, notice given to landlord, baby on the way etc.)
- Do I have a home that I want to sell first?
If you are looking for a highly experienced Markham Ontario Real Estate Agent to help you make smart decisions when buying or selling your home then you've come to the right place! Markham Real Estate Agent, Samir Mosaad, consistently negotiates HIGHER sale prices than the average Realtor and can get you more for your home.
Serving at community events including The Good Shepphard.
Homelessness isn't my problem. It isn't your problem. It isn't the government's problem. It isn't the faith community's problem.
Homelessness is OUR problem. Only when we work together can we make a difference.
. Antique Cars
. I am a member of the Ontario Motor Vehicle Councel
. Volunteer at The Good Sheppard
Luxury Real Estate ,Investments Properties
I specialize in helping first time home buyers from day one because it gives me the pleasure to see a new family or investor get into their first home.
Having the experience to move these same people into their next bigger home and investments, Proving once again that real Estate is a wealth building vehicle that is unbeatable.
Over 22 years of negotions with clients in other fields of experities has given me the ability to get our clients the level of sevice they can expect from a true dedicated professional.
Why Choose the Mosaad Team?
There are a lot of other Realtors out there. Some agents offer incentives like free TVs, donations to charities, or even mortgage payments – after you do a deal with them. Others promise they will personally be there for you 24 hours a day. That is not the kind of circus we run. I do not make unrealistic promises or play silly games to trick people into doing business with me! I just help you get the home you want at the right price with none of your time wasted.
My team knowsReal Estate(please see my page to see the many neighbourhoods we work in), and we know all the intricacies of the process, from finding your ideal home quickly, to negotiating the best price and terms, to closing the deal. We know homes: what supply exists in your area, what is new on the market and what value to place on them. That means you have access to the very best new opportunities, and you do not overpay for your home. Doing this well – and doing it, and doing it, and doing it – have consistently made us the #1
Over the years, we have refined our systems to de-mystify the buying process so you can get into your new home with the least amount of hassle, and even have fun along the way!
"BUYERS" How Do I Prepare to Buy a Home?
The more prepared you are as you start looking for a new home, the easier and more enjoyable the process. The first thing to consider is your needs vs. your wants.
Here are some important questions to ask yourself even before we meet:
Looking for a new home can seem overwhelming at first. There are so many things to think about, and so many choices. A small investment of time and effort right at the start will pay enormous dividends. When we work with you, we always take the time to sit down and help you organize your thoughts before you start actively looking. Making a plan will simplify the process, save you time, and help lead you to the right home!
- Where do I want to live? (community/general area)
- Are schools a factor?
- Do I want an older home or a new one? What style of home do I prefer? (detached, town home, condominium, multi-family, bungalow, other)
- How much renovation and remodeling am I willing to do?
- Is being close to public transportation important?
- Do I have special physical requirements, such as wheel chair access?
- Do I have pets to consider?
- What sort of lot would I like? (small yard, large yard, fenced, garage, patio/deck, other buildings)
- How many bedrooms do I need? How many would I like to have?
- How many bathrooms do I need? How many would I like to have?
- How big a house do I want? How many rooms? How many square feet?
- What features are important? (air conditioning, carpeting, ceramic tile floors, hardwood floors, eat-in kitchen, separate dining room, formal living room, family room, den, library, finished basement, separate laundry room, fireplace, workshop, other)
Ideally, find out about your mortgage options before you start looking. There is nothing more frustrating than falling in love with a home, only to find out you cannot afford it. Pre-qualifying for a mortgage is the best way to discover how much you can afford. Your banker or financial planner will look at your income, expenses and debt to determine how much a lender will lend you. Combine this amount with the money you have for a down payment, and that will be your budget!
Of course, I can introduce you to several trusted mortgage brokers who can help you look at the big picture. Want to get an idea of how much you can afford? Try our Mortgage Calculator on the left-hand sidebar for a quick estimate.
Before we go out looking at homes in person, we will sit down for a full consultation so I can get a better picture of what your ideal scenario is. During this consultation, I am going to ask you some thought-provoking questions, and as I listen to the answers, I will be learning more about your homeownership goals and desires. Of course, I am also there to answer all of your questions! We will discuss things like your preferred neighborhoods, the different ways to own a home (such as condo townhomes vs. freehold townhomes), the price range you are comfortable with, offers, closings, and what to expect during the entire buying process in plain English.
Another key factor we will consider is whether you already have a property to sell. The old question of whether to buy first or sell first has a different answer for everyone and depends on the individual. It is always a risk to buy before you sell, but it is also a big inconvenience not to find a home and have to move into a rental for a couple of months while still looking for a house to buy! I have helped many buyers choose which option is best for them while negotiating closing dates and conditions that work best for the planned move(s). If you have a home to sell, my team will help you improve its salability so you will receive the highest market value for it, and it will be a win-win situation for you.
My goal is for you to have all the information you need to make good, easy choices when the time comes to buy your home.
The search for your dream home can have its ups and downs. You might be an artist looking for a unique property, or maybe the sellers of your dream home are asking more than you can comfortably afford. As soon as a property matching your criteria comes on the market, we will email you the details immediately. Sometimes there may literally be ‘too much choice’, making it difficult to sort through all the listings. In that case, we will help you narrow down the criteria further to find more suitable new listings.
Throughout your home search, we are here to help you navigate the ups and downs. You can count on us to:
- Provide you with important information on real estate values, taxes, utility costs, services, and amenities so there are no financial surprises
- Pre-screen the online properties you see, keeping your ultimate goals in mind so you are not wasting your precious time filtering through hundreds of property listings that match only some of your search criteria
- Recommend the best homes for personal viewing based on my area expertise
- Make you fully aware of what your dollar will buy by finding opportunities, such as great homes nearby your main search areas, that you may not be aware of
- Guide you through the viewing process, showing you features you may not have noticed and problems you may not have spotted
- Advise you about your legal and financial options
- Recommend expert help when needed, such as home inspection and contracting services
As Torontonians, we are lucky to have such a beautiful, vibrant city with picturesque neighbourhoods that are ideal places to live, work and play. When it comes to finding the right community for you, it is not so much a matter of finding one as picking the best of many! The extensive Neighbourhood Guides on my website is a good resource if you are in the process of choosing a short list of attractive neighbourhoods. Because I have lived here most my life, I can personally help you choose the area that is best suited to you and your family.
Here are some of the things you may want to consider when choosing where your next home should be:
- Explore the neighbourhood in person, keeping an eye out for signs of neglect such as run-down houses and litter in yards and alleys. No matter how house-proud you are personally, a seedy neighbourhood will drive your property value down.
- If you have children, education is probably paramount. Are there schools within walking distance or will your children have to take the bus? How do the local schools compare? If your children need them, are there religious, private or special training (i.e. French Immersion, Montessori etc.) facilities nearby?
- Convenient public transport and major highways nearby can mean the difference between a pleasurable and not-so-pleasurable commute to work.
- Take a look at the local shopping district: does it provide all the shops, grocery stores, dry cleaners, restaurants, medical and dental offices, parks and recreation that you want? Do you want to be able to walk to all these amenities?
- Listen for traffic noise, barking dogs, low-flying airplanes, and any other noises that could be a problem for you.
I have seen it time and time again: a client finds their dream home right away, the second or maybe even the very first time we go out looking at homes. They fear that it has all happened too fast, so they think they should keep looking at other homes to find something even better, while keeping that first dream home on the back burner. What then happens? Their ideal house sells quickly to someone else! Though they continue to see dozens of properties over the next weeks or even months, they never find a better house than that first one, and regret their overly conservative decision to hold off.
Although we will never, ever push you to purchase a certain property, our job is to advocate for you. Because we are listening to you throughout the process and getting to know your preferences with every property you see, we do have the ability tofind your perfect home quickly. We have taken the time to sit down together and review all of your plans and goals, and prepare you financially and emotionally, so that when your dream home comes along you will be ready to act confidently and without regret!
This being said, we are not advocates of impulse buying, either. One of the hardest things to do when looking for a home is to remain objective. It is easy to fall in love with a home’s appearance, but it is also important to look beyond appearances, because they can be deceiving.
Here are some things to look for when viewing a home:
- General upkeep – is the home dirty or cluttered? Are the lawns uncut? If the owner has not bothered to keep the house looking clean and attractive, what problems could be lurking below the surface?
- Water leaks – water rots wood, undermines foundations, and leads to mould and mildew. Re-shingling a house or repairing a cracked foundation to stop water leaks can be very expensive. Stains, bulges and other signs of damage on ceilings or walls, and loose crumbling grout around bathroom & kitchen tiles could mean leaking water. It takes an expert eye to find many water leaks, so please feel free to bring a professional with you on our showing, or I can also arrange to commission a home inspection if the Seller has not already provided one from a reputable company.
- Does it work? – where possible, test the lights, faucets, toilets, furnace, air conditioning, and all major appliances that will be included with the home. Make sure everything is working as it should.
- Floors – should be smooth, even and solid, otherwise, repairs may be needed.
- Doors and windows – should fit snugly and operate smoothly. Look for flaked paint and loose caulking. Check for drafts.
- Outside – walk around the yard looking for areas where water might collect. Soggy areas near the foundation indicate poor drainage.
- Look for deep cracks in the foundations or loose mortar and bricks.
- Be sure to bring a measuring tape if you own large items such as a piano or a sectional that you want to keep.
Though I have personally toured and inspected thousands of homes over the last 29 years, and even though Sellers are contractually obligated to disclose and and all problems in their homes that they know about, nothing can replace the expert opinion of a qualified home inspector.
Inspectors can spot problems that most people would never find, and they can usually advise you on how much it will cost to make the repairs. This information is great to know so you can plan your budget. A home inspection can help you determine whether or not to make an offer on a house, and if you decide to go ahead, just how much that offer is going to be.