The Big banks are making it tougher for you to qualify for a new mortgage by factoring in not only how much you owe on your HELOC, but also the total available and they are doing it at a higher interest rate. Get all the details from Ratespy.com one of the best resources for mortgage rate info on the web https://www.ratespy.com/got-a-heloc-your-mortgage-options-are-about-to-shrink-11067208 [read more]

“It’s a given that moving is stressful. However, if you cross off the items on the following checklist as you go, your advance planning may pay off with a welcome reduction in stress levels. Here’s the moving checklist you’ll need to prepare for your move: 8 Weeks Out Get organized: Set aside a folder or file where you can put all your move-related paperwork. Dedicate a notebook as your moving notebook for all your notes. Start sorting: Decide what to keep,... [read more]

Here are 10 questions you should ask yourself before you buy. Can you do any of your own home maintenance?   Do you have a list of contractors to assist in home maintenance?   Do you travel a lot and need to have security in place?   Do you want a pool but not the hassle of maintaining it?   Would you like to have a concierge service that works 24/7?   Do you need a backyard for your dogs and kids?   Would you like... [read more]

The most important form you will file as part of your Tarion Warranty is your Pre Delivery Inspection (PDI) Approximately two weeks to prior to taking occupancy of your condo, I will accompany you on your PDI with the Builder’s representative. I have been on countless PDI’s and each and every time it is very evident that the Tarion inspector is employed by the Builder and is not working in your best interest.   Every deficiency that isn’t noted on your PDI, such as... [read more]

One of the questions I am most often asked is why did you leave the world of professional golf to become a Realtor. I was quitting competitive golf and realized there was no way I could survive in the cubical world. I had worked as a web page designer in the winters of ’97and 98 and went stir crazy! . I thought back to the guys I played golf with growing up and it dawned on me they were all real estate agents.   Now back then they had pagers and cellphones the size of a shoe... [read more]

You need home insurance to get a mortgage on a home, why dont you need condo insurance to get a mortgage on a condo?   The short answer is that the condo corporation’s insurance covers returning your condo back to its original state after damage, so if you burn it down the bank doesn’t really care because they know the condo corp has to return it to its original state on occupancy, (minus your personal belongings of course) and then the condo corp charges you back the... [read more]