CENTURY 21 Heritage Group Ltd., Brokerage*
- 16-7330 Yonge Street
Thornhill, ON L4J 7Y7
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.
With my profession in Residential and Commercial Real Estate and having a background knowledge in Urban Planning and Architecture, I am highly qualified to provide you with the best advice and assist you in finding your dream home, in a neighbourhood that is right for you, and in the price range you want. If you are also interested in selling a property, I also have the expertise to help you get the fastest sale possible at the best price.
I look forward to the opportunity of working for you!
Recently Sold- 20 North Park
Custom Unit W/20K Of U/Grades, Well Maintained & A Lot Of Extras. Hardwood, Custom Window Blinds, Custom Powder Room Vanity & Mirror, Custom Pocket Door For Den. All Hidden Tv & Entert. Cables, Crown Molding Throughout. Upgraded Baseboards, Upgraded Mirror Closet Doors And Glass Shower Doors, Caesar Stone Counter, B/Splash, Fresh Paint Through Out, Largest Parking Spot, Great Location, Close To Ttc, Hwys, Viva, Promenade Mall, Rest, Close To Synagogue.
Recently Sold - 38 Wolfson Crescent
Bi-weekly and weekly payments
Most mortgages have the option to allow payments to be made on a weekly or bi-weekly basis. This option may be desirable for two reasons. The first is it can save you money as you can expect to pay off your mortgage about 4 years sooner. This can save you dramatically over the life of your mortgage. The other reason why these options are so popular is that if your employer pays you on a weekly or bi-weekly basis, you can simplify your budgeting by making the payment line up with the way you paid.
Making Extra payments
Paying extra amounts on your mortgage can make a big interest saving over time. When we select a mortgage company, privilege payments options are something that we look for. A 20% privilege payment will allow you to pay off up to $20,000 per year on a $100 000 mortgage. It is important that the privilege payment also be flexible to allow you to pay smaller payments on the mortgage and as often as you wish. An extra $1000 periodically paid on a mortgage can help you become mortgage free faster.
Reducing the CMHC fees on your purchase
When you require a mortgage for more than 80% of the purchase price of a property, that mortgage must be insured by Canada Mortgage and Housing (CMHC) or GE Mortgage insurance. The premium charged by these company`s decreases as the down payment increases. When you finance your property at 95%, a premium of 3.75% is added to the mortgage. By increasing the down payment to 10% of the purchase price the premium can be reduced to 2.5%. If you can put down 20%, you can avoid any additional insurance fee. Depending on your situation there are ways that you can structure this financing to avoid the CMHC or GE insurance premium.
Advantages of Bigger Down Payments
As mentioned above, when you put a 20% down payment on your purchase you can avoid the CMHC premium. More importantly the larger the down payment, the lower the amount of interest you will pay over the life of your mortgage. It is important to note that it may not be wise to stretch yourself to increase your down payment and end up borrowing on credit cards or a line of credit at a higher rate.
Short Term Rates vs. Long Term Rates
The options for mortgages available can be very confusing for most mortgage shoppers. Terms for mortgages vary between variable and fixed rate, 6-month terms to 10 year terms. Taking a variable or floating rate mortgage can have savings. Typically the shorter the term or guarantee of the rate, the lower the rate will be. This does not always happen, depending on the market place and the economy, but history has shown that short-term rates tend to be lower than long-term rates. The up side of variable rate is the strong potential for interest rate savings. The down side is the fact that you are accepting the interest rate risk without a guarantee. If you are considering a variable rate mortgage you need to look at your own risk tolerance, and your cash flow available to deal with potential increased payment. Considering projections of rates and where we see interest rates heading can also be important in this decision. Make sure you talk to an expert when you are making this decision.
Top 15 home Staging Tips
1. Depersonalize. A potential homebuyer needs to picture herself in your rooms, and quirky decorating or pictures of the kids hurts the illusion. Remove all family photos and, if necessary, paint brightly coloured walls a more neutral shade.
2. Make sure everything in the house is in top condition. No torn screens, cracked plaster or burnt out pot lights. You may have gotten used to seeing them, so tour your house with a critical eye (or ask someone else to), and repair anything that needs it.
3. Chandeliers. One of Tavazoie's favourite low-cost, high-return investments is chandeliers. "People think you have to spend a fortune on lighting, but you can go to any big box store and get beautiful ones for, at most, a few hundred dollars," she says. "Many houses don't have enough lighting to begin with, so if you're having the electrician in anyway, have more overhead fixtures installed -- or at least buy some great lamps."
4. Be aware of scale in the house when it comes to furnishings. You might have a giant sofa that you love, but if it makes the room look small, it has to go. Aim for small groupings of furniture (ideally more than one in a room, especially a large one), with plenty of space around them.
5. A clean kitchen. Kitchen counters should be clear and clutter-free. A single bowl or vase holding cooking utensils is okay, but that's about it. Store small appliances in cupboards if you must.
6. Kitchen decor. If your kitchen doesn't have a backsplash, this is a weekend job that a reasonably handy person can tackle for little money. Invest in some gorgeous tiles (since you're doing such a small area, it shouldn't cost too much) or consider glass mosaics, mirror tile, or plain tile interspersed with a few fancy ones.
7. Replace boring or worn cabinet pulls with high-design new ones. Consider brushed steel, which look great with stainless steel appliances, or decorative ceramic.
8. Fresh linens. Make sure any visible linens (tea towels, chair cushions, oven mitts, etc.) are brand new or at least look brand new.
9. Spotless kitchen. Hire a professional cleaning company to get at all the little nooks and crannies, down to the last detail. This rule, incidentally, should apply to the whole house.
10. Fix up the bathroom. In the bathroom, an ugly builder's mirror can be replaced with a pretty framed mirror for under $100. For a little more, you can buy an antique or higher-end model from a housewares boutique. Switch out the lighting for a nice chandelier or some attractive new sconces and the bathroom will look as if it's been renovated.
11. Get a hotel-chic look. Replace bathroom towel bars with well-designed ones from a designer bath boutique. You can get matched ensembles that include toilet tissue holder, wastebasket, trays, etc. Aim for the hotel chic look: Crisp white towels neatly stacked in a towel holder, small trays on the vanity holding attractive toiletries or soaps (wrapped or unused) and scented candles.
12. Keep clutter to a minimum.
13. Fix up the masterbedroom. Continue the luxury hotel look in the master bedroom: Multiple new pillows with shams or toss pillows in front, crisp white linens and a throw at the end of the bed. Keep end tables uncluttered, with matching lamps and nothing else except, perhaps, a tiny vase of flowers.
14. The exterior of your home should look as polished as the interior. This means neatly trimmed bushes, mulched flowerbeds and fresh seasonal arrangements in urns by the front door.
15. A great smell makes a house memorable. Baking cookies has become a cliche, but buy a room spray with a fragrance you love and spray the house sparingly before each showing. Home staging can be easy and inexpensive, especially if you focus on the small details. Then, just stand back and let your house shine and it is sure to impress potential homebuyers.
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