Prepare Your Home For Winter – Pro-Active Steps That Can Save You Money Later …

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It’s that time of year again… time to start thinking about preparing your home for winter if you haven’t already done so.  You will require maintenance as temperatures begin to drop to keep it in shape throughout the winter months.  Preparing your home for the cold weather is a pro-active step you can take now to take care of those small maintenance items which are so important, and that could save you time and money later.

Here is a guideline with some great tips and advice on preparing hour home for the winter months.. things you can and should be doing NOW before the cold weather sets it.

Here are a few things you might want to consider before the winter sets in…

1.  Roof, Eaves and Downspouts

  • Clean out the eaves of all debris and hose it down to remove all little bits  
  • Check the flashing on the rood to ensure there is no entry for water to get in
  • Check the shingles for wear.  Replace any worn shingles
  • Ensure downspouts are directed away from the home to prevent leakage into the basement.

2.  Inspect Door and Windows

  • If you have a basement that has window wells, cover with plastic for extra protection from the elements
  • Replace any cracked or broken glass.
  • If required, prime and pain exposed wood.
  • Check weather stripping around exterior door, and replace if necessary
  • Check windows for any air leaks and caulk if necessary
  • Check the exterior of the house for mortar cracks and seal
  • Drain gas from lawnmower before storing away
  • Buy bags of salt/sand
  • Check your snow shovel to ensure it is in good condition
  • Ensure snow blower is functioning  service, tuned and ready to go.
  • Clear off deck of summer furniture, clean and store away
  • Drain all garden hoses
  • Shut off valve to all exterior faucets .. Keep faucet open and allow all water to drain
  • Insulate any exposed plumbing and AC pipes
  • Leave furnace on while away to a reasonable temperate to prevent damage to pipes

3.  Foundation and Fireplace

  •   Ensure chimney is capped to prevent rodents and birds from entering
  • Check the damper to ensure proper opening and closing
  • Have chimney cleaned by a professional chimney sweep to remove creosote
  • Store wood in a dry place
  • Have extra furnace filters on hand and remember to change monthly
  • Have your furnace inspected and serviced by a professional
  • If your furnace is in a separate room, ensure the door is vented for proper ventilation
  • Check for any cracks in the fireplace bed

4.  Smoke and Carbon Monoxide Detectors

  • Check your city by-law to ensure you have the proper number of smoke detectors.   Some require  one on every floor
  • Install carbon monoxide detectors where needed (ask a professional) and ensure they are working properly
  • Keep a fire extinguisher handy.  Have it checked regularly and if older than 10 years, replace
  • Keep an extra supply of batteries

 

 

5.  Landscaping

  •  Consult with a gardener or arborist to determine when trees should be pruned.
  • Trim branches that hang too close to electrical wires or the house
  • Now is the time to plant those flower bulbs , and remove any bulbs that cannot tolerate winter in areas where it freezes

6.  Prepare for an Emergency

  • Prepare an evacuation plan
  • Have emergency numbers close to the telephone
  • Store extra bottled water and perishable food supplied, blanket and a first aid kit.  Don’t forget to include pet food!

I’m sure I haven’t covered everything, but this is a guideline to get started…

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I live and work in STREETSVILLE and have a vested interest in property values here. Are you considering buying or selling or know anyone who is? The market is constantly changing, and your home’s value changes with the fluctuations of the market. Please call me for a complimentary, current evaluation of your home.416) 717-6331.

When you choose me to handle your real estate needs, you are choosing a real estate professional who cares about you and your family, and who will listen to your needs, work together with you, and protecting your interests to achieve your objectives.

www.gloriavalvasori.com             gvalvasori@gmail.com

Your STREETSVILLE Village Connection

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding service to my clients – a rating of 100%

IS IT DIFFICULT TO ENVISION TRANSFORMATION WHEN VIEWING A HOME?

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Are you a perspective Buyer that is turned off by paint colours and the furniture in other people’s homes and find it difficult to see your family living there? For some individuals, its difficult to envision transformation in a room where paint colour, for example is a complete turn off… or if the furniture is not to their taste, or the house is untidy, while others can envision the transformation by simply adding their own flavour to the room and can see it in their mind’s eye. Streetsville Real Estate

Buying a home can be a very emotional experience… that applies to women in particular.  In my experience over the past 27 years of practicing real estate, when husband and wife are purchasing a home, it’s usually the woman who decides on what home to buy. To most men.. it’s just brick and mortar.. and their biggest problem is where to put the big screen TV.  But to a woman its a lot more than that.  Women become more attached to a house, making it a home where memories are made.

I counsel my buyers quite often to try to overlook the paint colours that are not appealing to them.  Try to envision the room painted in a colour that would enhance their personal belongings. and placement of their furniture to show it off at its best advantage.  It’s amazing how colour can change a room so dramatically!

Streetsville Real EstateConcentrate on the more important things that cannot be changed… Are the room sizes suitable to accommodate your furniture, bedrooms in particular?  Do you prefer the open concept floor plan, or the more traditional layout having a formal dining room and living room? In some older homes walls can be torn down to convert into a more open floor plan, which is very popular today.  It would depend, however, on whether the structural walls would come into play.

Kitchens are a very important room and do add value to a home.  If the kitchen is a little outdated, there are remedies that are not too costly that you could utilize in lieu of a complete tear out and installation of a new kitchen.  In some instances, a mere change of countertop can make a huge difference.  Changing the hardware on the cupboards is another, or painting the cabinets…. Re-facing is another alternative.  if the size and layout of the kitchen are appealing…use your imagination!

Streetsville Real EstateLight fixtures can also make a dramatic change to a room.  There is nothing that peeves me more than walking into a home  and looking up to see the builder’s $9.99 light fixtures in the hallways and bedrooms.  You can replace those very inexpensively with something more attractive offering a much more appealing visual.  If I am listing a home that still has those fixtures, I recommend my sellers change them out and replace them with something more attractive at a reasonable cost.  Those little things are what potential buyers pay attention to.

If you don’t keep an open mind when viewing your next home, you could be missing out on a great home… remember, its only paint and it can be changed.  Room sizes and layout, however cannot.  Concentrate on the important things!

In summary, if you find there is another offer in addition to yours… submit your very best offer the first time, as you may not get a second chance.  Stay within your budget and what you can comfortably afford… you just never know.. your offer could be the one that is ultimately accepted!

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I live and work in STREETSVILLE and have a vested interest in property values here. Are you considering buying or selling or know anyone who is? Give me a call for a complimentary evaluation of your home in this changing market. (416) 717-6331.

When you choose me to handle your real estate needs, you are choosing a real estate professional who cares about you and your family, and who will listen to your needs, work together with you, and protecting your interests to achieve your objectives.

www.gloriavalvasori.com             gvalvasori@gmail.com

Your STREETSVILLE Real Estate Agent

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding serivce to my clients – a rating of 100%

DUE DILIGENCE WHEN LISTING A PROPERTY.. CHECK FOR ANY DEBTS OR REGISTERED LIENS..

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I had a phone call a few years ago from a past client who asked if I could write a Letter of Opinion on the value of her house for her bank.  She said she had found herself in a bit of a financial mess and I suspected she was applying for a second mortgage.  I found out later that she was behind on her mortgage paymentS and the bank was threatening to foreclose.

She said she would stay in touch, and would most likely be putting the house on the market soon.

Well, she called me a few nights later, and I went to her home to list it, BUT not before I asked to see all her mortgage documents to see if she actually still had some equity in her home to pay expenses, i.e. commission, lawyer fees. etc.

As it turned out, she did have some equity, about $50,000 after commission, lawyer fees, etc.

It is so important that we do our due diligence before listing a property.  We could end up selling a home that has more debt than it is worth, and nobody gets paid!

That happened to me a few years ago, when I was representing the Buyer.  As it turned out when the lawyer was searching title about 10 days prior to closing, he discovered were liens registered again the home.  These liens amounted to more than the value of the house, which meant there was “zero” left to pay anyone!

It all turned out in the end and the lawyer negotiated with the creditors, and we all ended up getting paid, but it could have turned out badly for everyone.

Do your DUE DILIGENCE!! and verify mortgages to ensure there is sufficient equity in the home you are selling!!

 

Streetsville Real Estate

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Are you relocating or moving to Streetsville, Mississauga or the Greater Toronto Area and need a real estate agent?

When you choose me to handle your Streetsville, Mississauga real estate needs, you choose a real estate professional who cares about you and your family, and who listens to your needs. I will work together with you, protecting your interests, to achieve your objectives.

I live and work in Streetsville and have a vested interest in property values here… and I service all of Mississauga and the GTA

Proud recipient of the Platinum award for outstanding service with a rating of 100% voted by my clients!!

A great experience starts with a great agent !

Helping You Make The Right Move since 1987.

Call me at (905) 363-4622 or direct at (416) 717-6331.

http://www.gloriavalvasori.com    www.streetsvillerealestateagent.com

email:  gvalvasori@gmail.com

MARIJUANA/METH GROW OPS/LABS … IN YOUR NEIGHBOURHOOD… CAN YOU SPOT THEM?

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Several years ago, my clients and I viewed a home in an upper middle class neighbourhood that they fell in love with. The house needed some work, in particular the kitchen, but my client was in the kitchen renovation business!!  When we went into the basement, I immediately noticed that the floor had just been painted… then when I looked up into the joists, I saw the holes that were drilled all along the length of the house to allow for the electrical wires to feed through.  There was also some black mould visible on the joists.  Then the light bulb went on!!!  This was used as a grow house…

I informed my clients of my suspicions, but told them not to be too alarmed… we can have the house inspected by a certified registered house inspector, and also have environmental testing done, and they could  come to a decision based on the outcome of these inspections on whether or not they wanted to proceed. I informed them of the potential dangers and health hazards.

In this instance, it was determined that the grow house was only used for a short period, and there was no permanent damage, and my clients proceeded and bought the property, and are still living there today. Included in the offer documents was a waiver that the Buyers were aware of the situation and still were prepared to proceed.

What is a Marijuana Grow Operation?

Marijuana grow operations can occur in every range of home available, from a detached in a moderately priced neighbourhood, to large homes in a multi million dollar neighbourhood, and even in condo apartments.  They can be in homes located in residential, commercial, industrial or rural areas.  These homes are usually very well maintained and do not appear out of place, and in fact, look quite ordinary on the outside.

However, the inside of these properties have been modified significantly to accommodate the grow operation, and usually these modifications to the electrical and heating systems are not up to code and not safe.  These electrical and plumbing modifications are required in order for the hybrid plants to grow and flourish and produce a high potency marijuana.   These modifications make these homes unsafe for human occupancy because of serious hazards from mould, structures that have been compromised, and from chemical residue.

It is therefore very important that you are aware of certain things in the house, that can alert you to the possibility that the property was used for illegal purposes, and that it was used as a grow house.  If you suspect the home you are contemplating buying was a grow house, call your local police department… they usually have a list of these properties and can potentially verify your suspicions.

Some things that can possibly identify a grow op.

1.  The basement floor has recently been painted (usually battleship grey)

2.  Check the joists in the basement where holes have been drilled to allow the wires to feed across the basement

3.  Check for condensation around the windows

4.  Strange smell or odour coming from the house

5.  Unusual number of electrical wires leading from the house

6.  Infrequent activity from the occupants who don`t appear to have regular jobs

7.  Expensive cars in the driveway

8.  Children`s toys left around front yard, but no children are seen

9.  House has lights on for very long period of time, and often during the night

10. Unusual number of roof vents

11. Lack of snow on roofs in winter

12. No communication with the neighbours

13. Dark window converings

14. Numerous garden hoses, soil and pots around the house, with garden hoses running from doors or windows

15. On garbage days, there is never any garbage at the curb

16. Appears to be vacant, and yard poorly kept

17. House is usually vacant when listed for sale.

18. Check the previous sold history of the house… if it sold about a year before the current listing date, that could also be a clue.

How to detect a Marijuana grow operation when purchasing a home.

When purchasing a home you suspect may have been used for illegal purposes, it is important to have the home thoroughly inspected.  A home inspector can point out certain visible things and can also identify any mould where visible.  If you can visibly see mould, then it potentially could also be behind the drywall and spread throughout the house, which can be a serious health hazard leading to long term conditions.

A thorough environmental assessment should also be conducted including spore testing. These comprehensive tests will also identify any hidden pollution and mould levels in the home as well as the air quality.

If you suspect a property is being used as a grow operation, or see a property with many wires that may have bypassed the electrical meter, contact the police in your area. Also, speak with the neighbours to see if they have any knowledge of the prior occupants.

I live and work in STREETSVILLE. If you are buying or selling, or know anyone who is, please give me a call.  I love referrals!  (416) 717-6331

www.gloriavalvasori.com

gvalvasori@gmail.com

Your STREETSVILLE Real Estate Agent, Dedicated to provding outstanding service to each and every client

CONSIDERING A HOME WITH A POOL? CLAUSES TO CONSIDER INSERTING IN YOUR OFFER

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Are you considering purchasing a home with an in-ground pool?  Do you imagine hot, lazy afternoons, lounging by your pool with friends and family?  Become an informed buyer, do your research, and ensure your real estate agent includes the appropriate clauses to protect you from unforeseen expenses on closing.

Unlike kitchen and bath renovations, or the addition of hardwood floors and crown moulding, a pool does not necessarily add value to the home equal to the cost of the pool.  The fact is, that in most cases it adds little or no value to the home.  Some buyers who view a home and love it, turn away from the purchase because of the existence of a pool.  Your either love it and really want it, or you don’t.

Or course buying a home with a pool is much more appealing on a hot summer afternoon, rather in the cold dark days of winter.  Often Sellers will display photos of the pool for perspective buyers as it appears during the summer months, to show it off at its best advantage.

If you are buying a home during the winter months, and the closing is set for the summer months after the pool has been opened, you need to insert clauses in your offer for protection from potential expenses. Ensure the pool will be opened by a professional pool company, and stipulate that in your offer.  Ask that the paid invoice be left so you may take advantage of any guarantees or warranties in the event of problems. Also, request the Sellers have the pool company do a thorough inspection of the pool prior to closing date, and ask the Sellers to leave a certificate of inspection or similar from the pool company.

If the pool has a heater, ensure a clause is inserted in your offer whereby the sellers will warranty that it also will be in good working condition on closing date in addition to the chattels and fixtures.  

Ask the Seller about various aspects of the pool prior to preparing an offer if the information is not contained in the listing.

  • How old is the liner? How old is the pool?
  • Were any repairs done to the pool in the last year, if so, by whom?
  • Has the pool been opened and closed by a professional pool company?
  • If the pool has a diving board, is the pool at a safe and proper depth to accommodate that?
  • Is the pool completely fenced in?
  • How high is the fence, and does it comply with the by-laws of your city.
  • Is all the pool equipment staying on closing. Ensure this is stipulated in your Offer.
  • If there is concrete or tiles around the perimeter of the pool, look for any cracks or loose tiles as these could be the source of leaks and future problems.
  • Check the soil around the pool and pump for any signs of water saturation.

Ensure your real estate agent inserts a clause in your offer whereby the Seller guarantees that all chattels, fixtures and equipment are in good working order up to and including the day of closing. On closing day, after title has changed and you receive the
keys to your home, go and check everything to ensure everything is in good working order.  The sellers are responsible until midnight on the day of closing, so if there is something not quite right, call your real estate agent to notify him/her and a report will be made to the listing agent and request the seller remedy any deficiencies.

Pools can be a source of great pleasure and fun  for both you and for family and friends.

Just make sure you do your due diligence before you take the plunge!

I live and work in STREETSVILLE.  Are you considering buying or selling, or know anyone who is?  Please give me a call.  I love referrals!  (416) 717-6331.

www.gloriavalvasori.com

gvalvasori@gmail.com

Your STREETSVILLE Real Estate agent, dedicated to providing outstanding client service.

ADDITIONAL COSTS WHEN PURCHASING ..TALK WITH YOUR AGENT NOW TO BUDGET FOR THEM

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WHAT ADDITIONAL COSTS ARE INVOLVED WHEN PURCHASING A HOME?

Buying a home can be a very emotional event… and it can be very stressful …  and in the excitement of the process, it’s all too easy to forget the additional costs involved in any transaction of buying a home.  Keep in the mind that buying a home is one of the largest financial investments you will probably make and planning and budgeting for it is essential.  Talk with your agent and find out about them, and budget for them in the home buying process.

Here are just a few of the costs involved you need to know about, so you can budget for them.

House Inspection

This is an absolute must have, for both re-sale and newer homes.  Ask your agent to insert that condition in your offer. Home inspections usually take about 2 – 2 1/2 hours and the cost will range from $375.00 – $450.00 depending on the size of the home, and whether the basement is finished.

Appraisal

When applying for your mortgage for your new home, most financial institutions require that an appraisal be done to determine how much they are prepared to lend you.  If this is not covered in the cost of the mortgage, it usually runs about $200.00 – $250.00.

Mortgage Costs

Discuss the various payment options with your financial institution i.e. monthly, bi-monthly, weekly etc., to determine which one suits your needs.. Also discuss types and terms of the mortgage.  Types would open, closed, etc. and term means how long these rates will apply, i.e. 6  month term, 2 year term or 5 year term.  Amortization would indicate the total length or amortization period of the mortgage, i.e. 20 year, 25 year, etc. It would be advisable to obtain a pre-approval from your bank and lock in the interest rate while you shop for your home.  This way, if the rates increase, you are locked in… If the rates decrease, you can get the lower rate. These are normally valid for a period 90-120 days.

Insurance

If you are only putting 5% down on your mortgage, mortgage insurance is mandatory, and usually a requirement with a 20% down payment, or less. It can include a minimal charge and would be slightly higher if you are self-employed without benefit of third-party verification of income.

Title Insurance

Title insurance is a one time charge that you can ask your lawyer to include in your closing costs.  This will cover any unforeseen issues that you were not aware of that could appear after closing.  Title Insurance costs depend on the value or purchase price of the home, but an average cost is about $250 – $300 and is a one time charge.

Survey

A survey document is an up to date document showing the exact property line, and all buildings, fences, etc. located on the property.  In many cases the Vendor will have one, and if your lawyer insists on having one, plan on spending about $1,000 – $1,500.  This would be beneficial if you are planning on making any changes to the property, i.e. installing a fence around the perimeter, installing a pool, etc.

Home Insurance

This can sometimes be overlooked when calculating your monthly costs. Get a few quotations and make sure your enquire about any separate riders you may need for jewellery, furs, art, antiques, etc.

Condo Costs

Some condos fees include costs such as hydro, heat, roofs, parking, windows etc., but some do not. These can be found in the Status Certificate, which your lawyer will review.  He/she will look for any deficiencies in the financial position of the condo corporation, ensure the insurance on the property is sufficient and in place, any special assessments that may be coming up, and a review of the monthly condo costs.

Legal Costs and Disbursement

I would recommend you call at least 2 lawyers and ask what their fees are for closing on both buying and selling… and be sure to ask for the cost of disbursements.  Your lawyer will check the title to the property to ensure it is free and clean of liens or encumbrances.

Land Transfer Tax

This tax is levied on every purchase and covers the cost of transferring the property from the previous owner to the new owner.  There are sometimes reductions offered by the Government for first time homes buyers, or senior buyers.  It usually calculates to be about 1% + – of the purchase price.

Repairs

The house inspection will usually reveal small repairs or items to make note of for future repairs.  Sometimes it is just a bit of paint, of replacing an electrical outlet.. or as large as replacing the roof, or furnace. Take note, or bring a camera with you to record what repairs must be made, and also those repairs you would like to make in the future.  Your house inspector can offer an estimate on the cost of these repairs.  Your home inspection will usually be in written form and you will have a copy of any deficiencies the inspector noted in his report.

Replacements

Make room in your budget for replacement items, such as window treatments, new appliances, or replacing the carpet with hardwood floors.  Costs will vary, depending on the items you choose to replace, but once again, get more than one quotation.

Moving

Try to avoid moving at the end of the month, as moving companies normally charge a higher rate… June 30th is a date to avoid at all costs.  Get at least 2 estimates, and if you are moving small items yourself, make sure to include the cost of the small truck rental.

Ask your Realtor to help with an approximation of the costs involved so you can budget for them….. The last thing you want are unexpected costs that could sabotage your purchase….. be prepared before you go shopping for that new home and know exactly what it will cost…

Seniors, if you are at a crossroads in your life, and making a difficult decision.. should I stay in my home?  Can I stay in my home longer and manage?  Thinking of downsizing?   Moving to a retirement home?  There are so many important decisions to make.  Hire a professional to help you.  Hire an Accredited Senior Agent.  I am a Master -ASA and I will assist you whether its solving issues in your home to allow you to stay longer, or if you have made that decision to sell your home and move on.. I am here to help.  I will put you in touch with my sphere of professionals who can assist you and make this move as stress free as possible.  They will assist you in managing your finances, ensure your Last Will and Testament i current, that you have a current POA in place, etc.

Streetsville Real Estate

streetsville sign

Are you relocating or moving to Streetsville, Mississauga or the Greater Toronto Area and need a real estate agent?

When you choose me to handle your Streetsville, Mississauga real estate needs, you choose a real estate professional who cares about you and your family, and who listens to your needs. I will work together with you, protecting your interests, to achieve your objectives.

I live and work in Streetsville and have a vested interest in property values here… and I service all of Mississauga and the GTA

Proud recipient of the Platinum award for outstanding service with a rating of 100% voted by my clients!!

A great experience starts with a great agent !

Helping You Make The Right Move since 1987.

Call me at (905) 363-4622 or direct at (416) 717-6331.

http://www.gloriavalvasori.com    www.streetsvillerealestateagent.com

email:  gvalvasori@gmail.com

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WHAT YOU SHOULD EXPECT FROM YOUR REALTOR… OUTSTANDING SERVICE, AVAILABILITY

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Selling a home is one of the most important financial decisions you will make, and working with the right realtor to market your home, is another important decision you will make to achieve the best possible benefit.  Selling a home can be a stressful experience, and although you probably have been through the process before, every sale is different and the variables can change. Your first task, is choosing the right realtor, one who  makes the experience of selling your home as pleasant and seam-free as possible, and with as little inconvenience to you as possible.

Choose a realtor who:

  • works in and is familiar with your neighbourhood
  • works full time in the real estate business
  • keeps up with the latest market trends
  • is accessible through a pager and cell phone
  • works from an office that is open evenings and weekends to accept calls from prospective buyers
  • has high ethical standards, who is honest and who will put your interests first and foremost
  • is detail oriented in order to protect your interests
  • has the training, the know-how and experience in the negotiation process
  • help you obtain the best possible price
  • you feel personally comfortable with, who is a professional, and in whom you can feel confidence and trust
  • listens carefully to what you say, and will respond to your specific needs
  • has experience …someone who will provide you with a full explanation of what to expect along the way
  • can provide all the services you may need during the course of the selling process
  • is fully computer literate to maximize the marketing of your home through various internet websites
  • provides a high degree of service, customized  to meet your need
  • will be available to assist you in every aspect of the sale and to answer any questions you have along the way
  • who is actively engaged on social media to further enhance the marketing of your home by bringing perspective buyers to his/her website to view your home

If  You are a Senior 

When you are facing a move as a Boomer or Senior, look for a Realtor® with the specialized training and experience you need, look for an Accredited Senior Agent™ As a Master – Accredited Senior Agent, I’m NOT out to get your listing; I work as a consultant, side-by-side with you and whatever advisors you want involved. I have only one goal in our relationship, to help you come to the best decision for you. If that decision is to stay in your present home, then that’s a good thing for you. I

I’ll help you understand all your options. No pressure. I have a sphere of professional people around me who I can refer you to, who can assist you with legal and tax matters, or capital gains issues, insurance, or a host of other issues you may need to have resolved. I am here to assist YOU in any way I can. Call me for a free consultation, to see if we can work together in resolving your unique needs, as a senior. I am a senior also and therefore have a hands on perspective to you unique needs.

Expectations

It’s important to have a realtor with whom you can feel comfortable, and who will make your real estate transaction as smooth and effortless as possible for you.   The realtor’s job is to help their client reach their goals and satisfy their needs.

Your agent should

  •  Return your phone calls promptly 
  •  Make themself available to you at every opportunity when you need them
  •  Explain all paperwork and procedures carefully and thoroughly
  •  Gather the information you need to feel comfortable in the decisions you make. 
  •  Be there every step of the way to answer any questions or concerns you may have.
  •  Look after your interests, first and foremost.
  •  Prepare Comparative Market Analysis to establish fair market value
  •  Prepare and sign listing contract
  •  Place house listing on MLS Board, agent website, and numerous internet sites for  easy accessibility to perspective buyers.
  •  Place “For Sale” sign on property (if applicable)
  •  Place lock box on property, if needed
  •  Schedule property for Agent’s Open House
  •  Place “Open House” ad in local paper
  •  Arrange showings for other agents
  •  Contact you regularly with verbal progress reports
  •  Pre-qualify potential buyers
  •  Present and discuss all offers on property with you
  •  Negotiate the transaction with other agent and finalize the sales contract
  •  Assure financing is in place
  •  Confirm that all contingencies on sales contract are completed
  •  Finalize the closing

Selling a home is so much more than placing a For Sale sign on the property and posting the listing on the MLS system.  Finding an experienced, and knowledgable agent is crucial to a successful sale.  An experienced real estate agent has a fiduciary responsibility to put your interests first and foremost.

Is your agent fulfilling all your needs and expectations?

**************************************

I live and work in STREETSVILLE and have a vested interest in property values here. Are you considering buying or selling or know anyone who is? Give me a call for a complimentary evaluation of your home in this changing market. (416) 717-6331.

When you choose me to handle your real estate needs, you are choosing a real estate professional who cares about you and your family, and who will listen to your needs, work together with you, and protecting your interests to achieve your objectives.

www.streetsvillerealestateagent.com             gvalvasori@rogers.com

Your STREETSVILLE Real Estate Agent

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding service to my clients – a rating of 100%

SENIORS, HIRE A PROFESSIONAL – HIRE AN ACCREDITED SENIOR AGENT – WE ARE HERE TO HELP

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There comes a time in everyone’s life when they are faced with decisions that can seem overwhelming.  If you are a Senior or a Boomer, and are facing a decision on whether or not to sell your  home, or stay in it as long as you can… or if you are a family member whose parents are in this position, then you need to seek out the services of a Real Estate Agent who is also an Accredited Senior Agent.  We are here to work along side you and the professionals you want involved, and make decisions that you feel are right for you! WHAT MAKES US DIFFERENT?

When you are facing a move as a Boomer or Senior, look for a Realtor® with the specialized training and experience you need, look for an Accredited Senior Agent™ As a Master – Accredited Senior Agent, I’m NOT out to get your listing; I work as a consultant, side-by-side with you and whatever advisors you want involved. I have only one goal in our relationship, to help you come to the best decision for you. If that decision is to stay in your present home, then that’s a good thing for you. I

‘ll help you understand all your options. No pressure. I have a sphere of professional people around me who I can refer you to, who can assist you with legal and tax matters, or capital gains issues, insurance, or a host of other issues you may need to have resolved. I am here to assist YOU in any way I can. Call me for a free consultation, to see if we can work together in resolving your unique needs, as a senior. I am a senior also and therefore have a hands on perspective to you unique needs.

handsYes, I AM a REALTOR® and my work includes helping people sell and buy houses. My role is never the same for any two clients; you have a smorgasbord of options and services to choose from. Everything I do, from our first chat to the closing of your home sale (if that’s the route you decide to go) is in furtherance of my one goal – the best possible outcome for you. AS AN ACCREDITED SENIOR AGENT, I have access to professional who are knowledgeable about Canadian tax laws, estates and estate planning, Wills, trusts and options on ways you can release the equity in your home for future living expenses.

I have something more to offer than just selling your home, if that is the best choice for you, I have a Network of Exceptional Specialists. Over the years, I have found that clients often need a referral to a specialist. There are so many things to think about and it’s hard to find all those specialists on your own.

AS AN ACCREDITED SENIOR AGENT, I will assist you to search out any government grants and loans that are in place to help you stay in your place, if that’s what you want to do. I know the local retirement homes – I’ve met the managers of many of them personally, and it would be my pleasure to help you find a new place to call home, whether you buy or rent. I like to say ‘Hire me; I’m an ASA and I’ll take the headaches out of your move.’ It’s what I’ve been trained to do, and it’s what I love to do. If your family is involved in your move, I can help take some of the burden off their shoulders.

That’s what I’m here for – to handle the unfamiliar for you and your family. THE 8 MOST IMPORTANT QUESTIONS I WILL ASK YOU … When it comes to assisting mature and senior clients with their move, there are a number of important questions that must be asked. In order to help you prepare for our meeting, I offer these 8 questions as a starting point for our conversation when we get together.

  • Do you WANT to move, or do you feel you HAVE to move?
  • If you COULD stay in your home, WOULD you?
  • Have you researched ALL your options?
  • Who are you getting advice from about your living situation?
  • Is your Will up to date?
  • Do you have professional advisors?
  • When was the last time you sold real estate?
  • What questions do you have for me?

For answers to your questions, email or call me today (416) 717-6331 or gvalvasori@gmail.com WHAT YOU NEED TO KNOW ABOUT INSURANCE If you’re like most people, you really don’t think too much about your various insurance coverages. In this free report, you’ll discover some things that your insurance agent may not have thought to tell you. You’ll also learn a few things to consider regarding your Provincial health coverage, and some good news about life insurance. As you read this report, remember the information is provided for thought-provocation only; you need to speak with your insurance expert for advice specific to your situation.

  • Home Insurance – Coverage for a Vacant Home. Depending on how long you are away from your home, you need to make arrangements to ensure your home is checked regularly, especially through the heating season.In some circumstances you may need to inform your insurer, such as if you will be away for more than 30 days. Also, in cases of a fully vacant property, you will need to obtain a vacancy permit from your insurer. Note that you will likely not be covered for risks associated with vacancy, such as broken water pipes, broken glass or vandalism. It is also important to note that these vacancy permits can typically only be obtained for 3 or 4 months.
  • Vehicle Insurance – When you are arranging vehicle insurance, make sure to let your insurance agent know if there is a sudden rise in the mileage you are doing on an annual basis. Also, if you are planning on Wintering in the Sunny South, be sure to let them know about that too. As a senior, you may find that your vehicle insurance premiums go down until you are 80, at which time some companies no longer will offer you coverage.When considering a new vehicle, cheaper cars with smaller engines will result in lower premiums, because they are seen as less costly to repair.
  • Life Insurance Exclusions – Are you an immigrant to Canada who likes to visit ‘the old country’? Or, someone who travels the world? Insurance companies can, and do, place ‘coverage exclusions’ on policies if the policyholder travels to certain areas. For example, if you travel to the Middle East, you may not have life insurance in case of death whilst travelling there. Make sure you read your policy before travelling.
  • Provincial Health Insurance – The Provinces differ in how long you can be outside your Province of principal residence and maintain your health care. For residents of BC, you must be in Canada at least 6 months a year, whereas Ontarians can be absent Canada for 212 days in any 12-month period. The important point is that you will require additional health care insurance if you are out-of-Canada for any period of time. Check your Provincial Health website.
  • Long-Term Care Insurance – Sometimes this is confused with Long-Term Disability (LTD) insurance. Here’s an explanation of the two: LTD is used to replace lost income due to an injury or illness and the coverage generally expires at 65. LTC is used to help cover the cost of care due to an injury or illness. Generally speaking the person would have to have more serious health issues to claim on a LTC policy. He/she must not be able to perform 2 of 6 functions of daily living. On the plus, the coverage never expires and many policies can be paid up in a limited number of years. Many people will use LTC to supplement LTD insurance or to replace LTD as the insured approaches retirement.
  • Is your Will up to date? While this is not completely related to insurance, it is a critical consideration for you. Studies consistently show that some 48% of Canadians do not have a Will. Of the 52% that do have one, approximately 75% of those Wills are out of date. Getting your Will updated, or having one drafted if you don’t have one, will alleviate pressure on you and ensure that your wishes are followed in the future. As an Accredited Senior Agent, one of the values I bring to you is a network of exceptional specialists that includes lawyers who specialize in Wills and Estates. These specialists can prepare your Will if need be.
  • Do you have two Power of Attorneys in place?  One for Financial and one for Medical?

Resources Cited In This Report

NOTE: While I have provided information for your perusal, I am not professing to be an expert. You are cautioned to consult your insurance expert. For answers to your QUESTIONS, email or call me today.

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I live and work in STREETSVILLE and have a vested interest in property values here. Are you considering buying or selling or know anyone who is? Give me a call for a complimentary evaluation/assessment of your home in this changing market. (416) 717-6331. When you choose me to handle your real estate needs, you are choosing a real estate professional who:

  • cares about you and your family
  • will listen to your needs
  • work together with you, and
  • protect your interests to achieve your objectives

***************************************

www.streetsvillerealestateagent.com             gvalvasori@gmail.com

Your STREETSVILLE Real Estate Agent

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding service to my clients – a rating of 100%                                                                                                                                     I live and work in STREETSVILLE.  If you are considering selling or buying real estate, or know someone who is, please give me a call.  I love referrals! (416) 717-6331 Web:  www.gloriavalvasori.com email: gvalvasori@gmail.com Your STREETSVILE  Real estate Agent – Dedicated to providing outstanding service one would expect and deserve from a real estate professional.

STREETSVILLE – THE VILLAGE IN THE CITY – WELCOME TO MY HOME!

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WELCOME TO STREETSVILLE – THE VILLAGE IN THE CITY

Streetsville and Port Credit are the two most sought after areas in Mississauga that offer a wide range of homes in affordable price ranges for everyone. They are both communities within a larger city, with that small, home town feel that everyone is attracted to. Along the main streets of these two vibrant communities you will find historic buildings blended with the newer more modern ones, which make them both so unique.

STREETSVILLE is a unique pocket nestled within the north west part of the city of Mississauga. It is referred to as “the village in the city” and occupies the west and east banks of the Credit River, with the majority located on the west bank.

Streetsville is known for its wonderful schools, and its family friendly, safe neighbourhood environment. Streetsville offers a wide variety of home types from bungalows, semi-detached, condominiums, and town homes. The majority of homes in Streetsville are detached. Property values in this quaint community range from $450,000 up to over $1,200,000 making it a wonderfully affordable place for a variety of families to live.

Port Credit, nestled along the shore of Lake Ontario, is a vibrant, friendly community notable for its beautiful tree lined streets, large lots with beautiful homes that have retained their character and charm, making it one of the most desired areas to live in Mississauga. The blend of character homes with the new, trendy condominiums and town homes, offers a variety of living styles to choose from. Homes in Port Credit range in price from $500,000 up to in excess of $1,500,000.

Port Credit has a lot to offer, whether you’re out for a leisurely stroll to window shop on a warm summer day, enjoying a candlelight dinner, taking in the sights along the waterfront or marina, and enjoying a beautiful sunset over the lake,

With five major highways passing through the city, Mississauga offers quick access to major markets in Canada. Toronto Pearson International Airport Canada’s busiest, is located in the city. Mississauga has one of the largest corporate/financial districts in Canada with major international companies having their Canadian headquarters located in the region including Hewlett-Packard, Microsoft, Pepsico, General Electric, Heidelberger Druckmaschinen, Fujitsu, Wal-Mart, and Intuit Canada among many other Fortune 500 companies.

Mississauga is located in southwestern Ontario in the Regional Municipality of Peel. It was incorporated in 1974 and a has a population of about 700,000 and is Canada’s sixth most populous municipality. It has almost doubled in population in the last two decades.

Mississauga covers 288.42 square kilometres of land, fronting 13 kilometres (8 mi) of shoreline on Lake Ontario. On January 1, 2010 Mississauga bought land from the Town of Milton and expanded its border by 400 acres to Highway 407.

Streetsville Cenotaph

The Cenotaph on Main Street in Streetsville

Mississauga is bounded by Oakville and Milton to the west/southwest, Brampton to the north, Toronto to the east, and Lake Ontario to the south/south-east. Halton Hills borders Mississauga’s north-west corner. With the exception of the southeast border with Toronto (Etobicoke Creek),Mississauga shares a land border with all previous mentioned municipalities.

Two major river valleys feed into the lake. The Credit River is by far the longest with the heaviest flow, it divides the western side of Mississauga from the central/eastern portions and enters the lake at the Port Credit harbour. The indented, mostly forested valley was inhabited by first nation peoples long before European exploration of the area. The valley is protected and maintained by the Credit Valley Conservation Authority (CVCA).

Mississauga has had only three mayors in its history. Dr. Martin Dobkin was the city’s first mayor in 1974. He was then followed b Ron A. Searle.  Searle was defeated by then-city councillor and former mayor of STREETSVILLE, Hazel McCallion. McCallion is regarded as a force in provincial politics and often referred to as Hurricane Hazel, comparing her political force to the devastating 1954 storm that struck the Toronto area. McCallion has won or been acclaimed in every mayoral election since 1978, and in recent years has not even campaigned. She was recently re-elected for her eleventh term in November 2006 winning 91% of the votes. McCallion is the nation’s longest serving mayor and was runner-up in World Mayor 2005.

Mississauga is a great community to live and raise a family with great schools, and its close proximity to Toronto makes for an easy commute into the city for work, or pleasure.

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I live and work in STREETSVILLE and have a vested interest in property values here.

Are you considering buying or selling or know anyone who is? Give me a call for a complimentary evaluation/assessment of your home in this changing market. (416) 717-6331.

When you choose me to handle your real estate needs, you are choosing a real estate professional who:

  • cares about you and your family
  • will listen to your needs
  • work together with you, and for you
  • protect your interests to achieve your objectives
  • is an experienced read estate professional with 27 years of experience
  • provides outstanding service to each and every client
  • is experienced in the latest technological marketing tools to get your home sold faster

***************************************

www.streetsvillerealestateagent.com             gvalvasori@gmail.com

Your STREETSVILLE Real Estate Agent

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding service to my clients – a rating of 100%

I live and work in STREETSVILLE.  If you are considering selling or buying real estate, or know someone who is, please give me a call.   

I love referrals! (416) 717-6331

Web:  www.gloriavalvasori.com   email: gvalvasori@gmail.com

Your STREETSVILLE  Real Estate Agent – Dedicated to providing outstanding service one would expect and deserve from a real estate professional.

FIRST TIME BUYERS? BECOME FAMILIAR WITH REAL ESTATE TERMINOLOGY

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Most seasoned buyers and sellers are probably already familiar with the terminology involved in a real estate transaction… but some buyers, who are first time buyers or novices are not familiar with this terminology, so I’ve compiled a list for everyone!

Glossary Of Key Real Estate Terms

There are a great deal of phrases and terminologies unique to real estate.  Listed below are just a sample of the common terms you will encounter in the process of buying or selling a home.  Take a moment to familiarize yourself with them so you will know where to look if you need a definition.

Amortization Period        The actual number of years it will take to pay back your mortgage loan.

Appraised Value              An estimate of the value of the property. Conducted for the purpose of  mortgage lending by a certified appraiser. This appraisal is not to be confused with a building inspection.

Assumeability                  Allows the buyer to take over the seller’s mortgage on the property.

Chattels                          Personal property which is tangible and moveable, such as electrical appliances, blinds, etc.

Closed Mortgage            A mortgage that locks you into a specific payment schedule. A penalty usually applies if you repay the loan in full before the end of a closed term.

Condominium Fee         A common payment among owners which is allocated to pay expenses.

Conventional Mortgage A mortgage loan issued for up to 75% of the property’s appraised value or purchase price, whichever is less.

Deed                               An instrument in writing, duly executed and delivered, that conveys title or interest in real property.

Down Payment             The buyer’s cash payment toward the property. The difference between the purchase price and the amount of the mortgage loan.

 Encumbrance               Outstanding claim or lien recorded against property or any legal right to the use of the property by another person who is not the owner.

Equity                            The difference between the home’s selling value and the debts against it.

Fiduciary Duties            The duties required by an agent (the brokerage firm and its representatives) acting for the principle in an agency relationship.  They include loyalty, disclosure, confidentiality, diligence, accounting and obedience.

High Ratio Mtge.            A mortgage that exceeds 75% of the home appraised value. These mortgages must be insured for payment.

Interest Rate                The value charged by the lender for the use of the lender’s money. Expressed as a percentage.

Irrevocable                   Incapable of being recalled or revoked.  Unchangeable, unalterable.

Land Transfer               A fee paid to the municipal and/or provincial government

Deed Tax                       An instrument in writing duly executed and delivered for the transferring of property from seller to buyer.

Maturity Date                The end the term, at which time you can pay off the mortgage or renew it.

Mortgagee                     The person or the financial institution that lends the money.

Mortgage Insurance     Applies to high-ratio mortgages. It protects the lender against loss if the borrower is unable to repay the mortgage.

Mtge. Life Insurance Pays off the mortgage if the borrower dies.

Mortgagor                     The borrower.

Open Mortgage            Allows partial or full payment of the principal at any time, without penalty.

Portability                    A mortgage option that enables borrowers to take their current mortgage with them to another property, without penalty.

Preapproved Mtge.      Qualifies you for a mortgage before you start shopping. You know exactly how much you can spend and are free to make a “firm” offer when you find the right home.

Prepayment Privileges Voluntary payments in addition to regular mortgage payments.

Principal                     The amount borrowed or still owing on a mortgage loan. Interest is paid on the principal amount.

Refinancing                Paying off the existing mortgage and arranging a new one or re-negotiating the terms and conditions of an existing mortgage.

Renewal                     Re-negotiation of a mortgage loan at the end of a term for a new term.

2nd Mortgage            Additional financing. Usually has a shorter term and higher interest rate than the first mortgage.

Survey                       The accurate mathematical measurement of land and buildings thereon, made with the aid of instruments.

Term                          The length of time the interest rate is fixed. It also indicates when the principal balance becomes due and payable to the lender.

Title                            Legal ownership in a property.

Variable Mtge.             A mortgage with fixed payments, but fluctuates with interest  rates. The changing interest rate determines how much of the payment goes towards the principal.

Vendor Take Back Mortgage    When the seller provides some or all of the mortgage financing in order to sell their property

***********************************************

I live and work in STREETSVILLE and have a vested interest in property values here.

Are you considering buying or selling or know anyone who is? Give me a call for a complimentary evaluation/assessment of your home in this changing market. (416) 717-6331.

When you choose me to handle your real estate needs, you are choosing a real estate professional who:

  • cares about you and your family
  • will listen to your needs
  • work together with you, and for you
  • protect your interests to achieve your objectives
  • is an experienced read estate professional with 27 years of experience
  • provides outstanding service to each and every client
  • is experienced in the latest technological marketing tools to get your home sold faster

***************************************

www.streetsvillerealestateagent.com             gvalvasori@gmail.com

Your STREETSVILLE Real Estate Agent

Experience, Service and Integrity in Every Real Estate Transaction

I am the proud recipient of the Quality Service Certified Platinum award for outstanding service to my clients – a rating of 100%

I live and work in STREETSVILLE.  If you are considering selling or buying real estate, or know someone who is, please give me a call.   I love referrals! (416) 717-6331

Web:  www.gloriavalvasori.com   email: gvalvasori@gmail.com

Your STREETSVILLE  Real Estate Agent – Dedicated to providing outstanding service one would expect and deserve from a real estate professional.