* For, based on real estate sales of independently owned and operated franchises in 2011.
, Residing in Toronto for over 20 years, I have vast knowledge of all the diverse communities in the City of Toronto. Whether you are looking for a house in the city or a quiet neighbourhood in the suburbs, I can help you find the home you have been dreaming of. I graduated at York University major in Economics. I have over 5 years of sales experience and work in the accounting industry for more than 9 years. My previous job experiences have allowed me to improve my interpersonal and organizational skills and are helpful in my real estate career. My first home buying experience is what began my career in the real estate industry. Due to my limited budget, I was not a priority for my realtor. As a result I decided to work for myself. Backed by one of Canada s largest reputable brokerages - Royal Lepage Your Community Realty, I will give you my personal guarantee that your needs will be met. Whether you re looking to sell your home or are a first time home buyer, it is important to have a realtor you can trust and rely on. Representing a new generation in the real estate industry, I believe it is important to understand my client s needs and ensure a timely response to any concerns. I utilized many advanced technologies such as smart phone, social media network and web page to stay connected with my clients. Selling a home may look simple to many people but having a trusted realtor will help you get the best possible price in the least amount of time. I offer free home evaluation or a comparative market analysis (CMA), a detail report to show you how much your property is worth compared to those in your neighbourhood. With the help of the latest technology and a strategic marketing plan, I will ensure your property is attractive to every possible buyer in the market. To put this in simple terms, I will help you sell your home the way I would sell mine. Buying a home is one of the biggest and most important purchase decisions you will make in your lifetime. A good realtor will not only find you a good home to live but also find you the community you love. With the constant changing environment in the real estate market, I will educate my clients about the current market trends and find them a home based on their search criteria. For first time home buyer, I will walk through the necessary steps to purchase a home, from the day of the home search to the closing day. My goal is to ensure every buyer is well informed and educated during their home search process, regardless if you are looking for a small condo or a million dollar mansion. My job is not done until I find you a home. As a realtor, my goal is to offer my clients professional advice, understand their needs and educated them on current market conditions, in order to help them make informed decision. I am dedicated and hard working and strive to satisfy my client s needs 100%. Whether you are buying or selling your home, you can rely on me to get you the result you are looking for. I strongly believe that if you provide honest, loyal and professional service to your clients, they will refer you to their family and friends. * For, based on real estate sales of independently owned and operated franchises in 2011.
10 Offices to Serve You Better Broker/Manager: Karen Gerrard 161 Main St, (905) 940-4180 Located in a high traffic area that was selected to encourage people to come in and talk to us about their real estate needs. 8854 Yonge St., Richmond Hill S. (905) 731-2000 Broker of Record/Owner: Vivian Risi Broker/Manager: Jack Fusco 9050 Yonge St., Richmond Hill N. (905) 731-2000 Broker/Manager: Jack Fusco 8000 Yonge St., Thornhill (905) 889-9330 Broker/Manager: Terry Macey 187 King St., Toronto (416) 637-8000 Sales Rep./Manager: Bill Mitkos 9411 Jane St., Vaughan (905) 832-6656 Broker/Manager: Justin Risi 5859 Main St., Stouffville (905) 642-6333 Broker/Manager: Karen Gerrard 14799 Yonge St., Aurora (905) 727-3154 Broker/Manager: Larry Mandlsohn 443 The Queensway S., Unit 30 Keswick (905) 476-9543 Broker/Manager: Susan Colyer 920 Lake Drive E., Unit 101 Jackson s Point (905) 722-7272 Broker/Manager: Susan Colyer York Region Market Share Report 2011 9.0 M A R K E T S H A R E ( % ) 8.0 7.0 6.0 5.0 4.0 3.0 2.0 1.0 Your Community Realty (7.0%)* ** Re/Max Realtron Realty Inc. (6.7%) ** Homelife Bayview Realty Inc. (3.4%) ** Right At Home Realty Inc. (3.3%) ** Century 21 Heritage Group Ltd. (2.8%) ** Century 21 Leading Edge Realty Inc. (2.3%) ** York North Realty (2.2%) ** Homelife Victory Realty Inc. (2.0%) ** Sutton Group - Admiral Realty Inc. (2.0%) ** Re/Max All-Stars Realty Inc. (2.0%) ** 0.0 B R O K E R A G E S *Residential Properties Listing And Selling Ends in York Region January 1, 2011 - December 31, 2011 The above statistics represent TREB properties listed and sold in York Region. * Sales From All Offices **Brokerages * For, based on real estate sales of independently owned and operated franchises in 2011.
Helping You With Your Home Purchase Financing Organizing your finances is the critical first step in your home purchase Consider the one-time costs associated with a home purchase, including a down payment, legal fees, inspection fees, taxes and moving expenses. Understand ongoing monthly costs, including mortgage payments, insurance, utilities, property taxes, maintenance and, if applicable, condo fees Take into account the equity you may have in your current home and the applicable mortgage options available for your next move. Pre-qualifying for a mortgage gives you the comfort of knowing how much and what your monthly payments will be. A pre-approval from a mortgage lender protects you against interest rate increases for a given period during your home search. * For, based on real estate sales of independently owned and operated franchises in 2011.
Costs to Buying a Home What does it Cost to Buy a Home? Once your contract has been accepted, here are some costs that you will have to pay between now and closing. Some of these costs must be paid before closing, others are paid at closing, and some may be financed at closing. Overall, it is recommended that you set aside approximately 1.5% of the purchase price to cover closing costs, adjustments and fees. In addition to the actual purchase price, some of the other expenses that you will encounter are: Mortgage Application and Appraisal Fee This is paid at the time of application Property Inspection - Before you buy a property, it is wise and recommended to have it inspected by a qualified professional property inspector. The inspector will provide you with a written report. Costs are approximately $250 - $500 paid at Inspection. Legal Fees lawyers fees vary, and are payable at the time of closing. Property Survey although can be provided by seller, a new survey starts at approximately $1000, and depends on size and configuration of the property. These fees are paid at time you obtain the survey. Land Transfer Tax This is a sales tax charged by the provincial government. The formula used to assess the tax is as follows: 0.55% of the first $55,000 of the purchase price 1.00% of the next $195,000 of the purchase price 1.50% of the next $150,000 of the purchase price 2.00% of the balance of the purchase price. In addition to the Provincial tax, there is a new Land Transfer tax for homes in the City of Toronto. First time home buyers are exempt up to $400,000. Land Transfer taxes are paid at time of closing. Mortgage Financing Fees Many mortgage companies charge appraisal and processing fees. These fees can be several hundred dollars. If you are borrowing more than 80% of the property value (high ratio financing), there will be a mortgage insurance premium added to the face amount of the mortgage. These fees are usually paid at time of closing. Insurance Policies You may wish to consider a closing insurance policy (about $40.00) and/or home warranty policy $230.00-$350.00. As well, you will need property insurance and occupier s liability insurance. Contact an insurer well in advance of closing in order to ascertain the costs, and to have the policies in place at closing. Adjustments Taxes, Fuel etc. will be apportioned to the seller and buyer at the time of closing. The buyer s lawyer arranges for these adjustments with the seller s lawyer as part of the closing process. * For, based on real estate sales of independently owned and operated franchises in 2011.
Helping You With Your Home Purchase Needs & Wants With an appreciation of what you can afford, determine what you need vs what you want with respect to the price range you can afford: Consider your current lifestyle as well as any lifestyle changes you foresee longer term Select an urban, suburban or rural location that best serves the needs of your evolving lifestyle Choose neighbourhoods in close proximity to the amenities that are most important to you like schools, shopping, entertainment, recreation and transportation Consider your commute times to work, school, friends and family Determine the size of home you require, such as the minimum number of bedrooms, as well as any other space requirements, like room for a home office Understand which home features are most important to you, such as additional bathrooms or a large yard Decide on a property type that suits your lifestyle, needs and finances whether condo, townhouse, single or multi-family dwelling * For, based on real estate sales of independently owned and operated franchises in 2010
Helping You With Your Home Purchase Home Search Begin your home search when you have determined your needs and what you can afford. As your chosen real estate professional, I will: Provide access to both MLS listed properties and properties listed exclusively with Send you listings of the properties that match your specific criteria Ensure you receive new listings of properties that match your criteria as soon as they become available on the market Supply supplemental neighbourhood information like historical property values for the area, property taxes, schools and public transportation Help you hone your home search criteria, as required, with an appreciation for current market conditions Prescreen and preview the homes that best fit your criteria Show you the properties that you are interested in viewing * For, based on real estate sales of independently owned and operated franchises in 2011.
Helping You With Your Home Purchase Viewing Homes When viewing properties you are interested in, it is important to remain objective. I will help you understand the importance of looking beyond surface aesthetics at: A home's exterior features from the foundation to the walls, the roof, the eaves and downspouts, drainage, windows, doors, fencing and landscaping A home's interior fittings such as walls, floors, outlets and switches, lighting, kitchen and bathroom fixtures, and appliances A home's heating, cooling, plumbing and electrical systems Visible signs of problems such as water or pest damage The benefits of having all of the above investigated thoroughly by a qualified property inspector Noise levels from neighbouring properties, the street, cars and public transport, and where applicable, highways, railways and airports The ability for you to live comfortably, according to your predetermined needs and wants, with available space for your furnishings and storage requirements * For, based on real estate sales of independently owned and operated franchises in 2011.
Helping You With Your Home Purchase Making An Offer There are a number of considerations to make before the offer is prepared for your next home. As your chosen real estate professional, I will guide you through the offer process to help you: Appreciate what comparable houses are selling for, how current market conditions can impact your offer, and where applicable, whether there is any competition from other interested homebuyers Understand the benefits of investing in a qualified home inspector who can expose any property deficiencies and who may also provide you with an estimate on their cost of repair Determine any offer conditions such as a satisfactory home inspection or arranging financing, and the potential impact of such conditions on the acceptance of your offer Sort through the key elements of your offer including price, deposit, financial terms, inclusions and exclusions, and your closing or possession date Present your offer to the seller or the seller's representative on your behalf Manage all offers and any counter-offers, negotiating to get you what you want * For, based on real estate sales of independently owned and operated franchises in 2011.
Helping You With Your Home Purchase Closing Your home purchase becomes a reality on closing day when ownership is officially transferred to you. Before and on closing day, there are a number of tasks to complete of which I can assist in providing recommendations: If you are renting, give notice to your landlord and arrange for the return of your deposit Confirm your home purchase with your mortgage lender and finalize your mortgage details Hire a legal professional to represent your interests and manage closing documentation Obtain home insurance and notify your lawyer and mortgage lender of the selected insurer Arrange for your self-move requirements or obtain estimates from reputable moving companies and book as far in advance as possible Coordinate cancellations, transfers and change-of-address notification for medical, financial and contracted services, utilities, licenses, subscriptions, memberships, and personal mail Organize the connection of services and utilities at your new home Meet with your lawyer on closing day to sign required mortgage and property closing documentation, pay associated balances and fees, and collect the keys to your new home * For, based on real estate sales of independently owned and operated franchises in 2011.
Reference Sheet Throughout the home buying process, you will no doubt require the services of expert professionals in the areas of home inspections, mortgage brokers, lawyers and movers. Please feel free to use the following reference sheet as some suggestions of where to start when searching for these professionals. Home Inspectors PILLAR TO POST 51 Monterrey Drive Toronto, ON M9V 1S9 tel: 416-749-7678 fax: 416-745-0274 ptpny@ptphome.com CARSON DUNLOP Tel: 416-964-9415 or 1-800 286-7070 info@carsondunlop.com www.carsondunlop.com CITYWIDE HOME INSPECTORS Tel: 416-203-0333 or 1-877-203-0474 Fax: 416-203-0333 info@citywidehomeinspectors.com Mortgage Brokers MORTGAGE ALLIANCE Mortgage Loans Canada 8854 Yonge Street, ON L4C 0T4 Richmond Hill, ON Tel: 905-907-4411 Fax: 905-326-9734 www.mortgageloanscanada.ca INVIS 480 University Avenue, Suite 100 Toronto, Ontario M5G 1V2 Tel: 416-622-6363 or 1-888-468-4734 Fax: 416-622-5300 NORTHWOOD MORTGAGE 7676 Woodbine Avenue Suite 300 Markham, Ontario L3R 2N2 Tel: 416-969-8130 or 1-888-257-8130 Fax: 905-300-4977 Lawyers SHAPIRO & CHO 333 Sheppard Ave East #201 Toronto ON M2N 3B3 Tel: 416-250-9600 or 1-877-250-9601 Fax: 416-250-9631 STEPHEN SHUBB 5799 Yonge Street, Suite 803 Toronto, Canada, M2M 3V3 Tel: 416-222-1882 Fax: 416-222-4277 MARK LATHEM 588 Edward Ave., Unit 49 Richmond Hill, ON L4C 9Y6 Tel: 905-883-8999 Fax:905-884-0790 Movers AMJ CAMPBELL 176 Hillmount Road Markham - Toronto East, Ontario Tel: 905-887-5557 or 1-888-AMJ-MOVE (265-6683) Fax: 905-887-3235 TWO SMALL MEN WITH BIG HEARTS MOVING COMPANY Tel: 905-761-7488 Fax: 905-833-2430 NORTH TOWN MOVERS 114 Libby Boulevard Richmond Hill, ON L4C 4V3 Tel: 905-770-0471 * For, based on real estate sales of independently owned and operated franchises in 2011.
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