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| Tino Sequeira
647-207-8466
Real Estate Sales Representative
"As one person, I cannot change the world, but, I can change the world of one person." - Paul Shane Spear
HomeLife Response Realty Inc., Brokerage* | |
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When the going gets rough, the tough get going |
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| Posted on Fri, 08 Jan 2010, 05:23:39 PM in Home selling tips | | | In today's economic climate, many people are skeptical of selling their homes, mainly for two reasons. First they are worried that they would not get a good price and secondly the realtor's commission would be exorbitant. When dealing with a reputed and reliable realtor® you will have the satisfaction of having all your concerns and worries diminished or obliterated, by asking the right questions.
Following are common mistakes that many home sellers make:
· Deciding to sell their home without reviewing all their financial assets and options.
· Starting the process of selling their home, without first getting a mortgage redemption certificate. This is an important step in the initial selling process, since if the seller does not know the ramifications of porting or breaking the mortgage, the seller's agent cannot negotiate appropriately in favour of the seller.
· Listening to the sales pitch of sales agents offering 1%, 2% or even no commission, and not understanding the hidden message behind those sales pitches. For ALMOST EVERY RESIDENTAIL REAL ESTATE SALES TRANSACTION IN ONTARIO, THE COOPERATING BROKER HAS TO RECEIVE 2.5% OR MORE COMMISSION, AND THE SELLING AGENTS GETS ON TOP OF THAT EITHER 1% OR 2% OR 2.5% OR MORE. So the bill boards and advertisements showing 1% commission with an *(asterisk) by the side in small print is just a gimmick to get you to call the sales agent.
· Not asking the sales agent as to what service they would provide for the 1% or one and half percent commission and documenting the same.
· Not asking the Realtor® as to how they can genuinely reduce the commission without discounting the service. This is a very important option which sellers are not aware to ask the Realtor® to reduce the commission without affecting the service the Realtor® would provide to someone paying full commission. (P.S. Please ask me for the option to reduce the standard commission without affecting the standard marketing of your home).
· Not seeking a REALTOR® who has good credentials and references.
· Not asking the right questions to the REALTOR®. (For further information on asking the right questions, please check 20 Questions to ask your REALTOR®).
· Listening to the real estate advice of unlicensed people without corroborating the facts with a licensed and ethical REALTOR®.
· Not receiving a plan of action and Listing Service Tasks (LSTs) from the REALTOR® which outlines the strategy the REALTOR® will use to get offers on their home sooner than later.
· Not requesting the advice of the Realtor® to improve the appearance of their home before putting it on the market.
· Not spending some time and money to "uplift" the first impression of the home in order to "wow" the buyer.
· Sellers who are represented by a Selling Agent contacting the Buying Agent directly for information on the buyers. This ultimately goes against the interests of the seller since the buyer and the Buyers' Agent realizes that the seller is desperate to sell their property and the former will not negotiate in good faith.
The above mistakes very often leads to the home sellers not selling their homes at the price they had been originally promised, or not having any showings or not having any offers. They also cause wastage of time for themselves to open their homes to strangers walking through their home without a genuine desire to buy. Very often, home sellers complain about unethical and "pushy" real estate agents, which could have been avoided if the home sellers had asked the right questions. Finally, to avoid the "home selling stress" it is recommended to avoid the above mistakes as much as possible.
If you too need my help or even just advice about selling at this time of economic uncertainty, just complete the CONTACT form and let me know how I can help you with your real estate questions.
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| Posted on Fri, 08 Jan 2010, 05:07:05 PM in My services, Information is Knowledge | | | There is a saying which goes like this: "...when the going gets rough, the tough get going...".
The question in many people's mind is "How does one get "tough" to get going?"
The answer is information. For example, how would you, or someone you know feel if:
Ø I could save you or someone you know, at least $2000 (in legal fees) with the right information, when they are initially faced with separation or divorce? or
Ø If someone who is adequately qualified (or even over qualified) is not successful in getting a job in the field of their choice, and I could almost guarantee them with a job interview with the right information? or
Ø If someone who needs to buy a home badly, but, does not have sufficient down payment and I show them a way with the right information? or
Ø If someone is faced with foreclosure of their property due to inability to make mortgage payments and I could offer them a solution, with the right information?
Recently, I had a client who contacted me since she had a toxic boss and did not know what to do. She was a sincere worker, but, her boss just treated her badly and she needed the job since she had a family to support and mortgage to pay. With the information I provided her, she was able to keep her sanity and her job and very quickly got a promotion and a new boss!
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| Posted on Fri, 08 Jan 2010, 04:52:00 PM in Home buying tips, Home selling tips, etc. | | | The reason you have come to this website, is one or more of the following:
a) You are planning to buy a home in the future
b) You are planning to sell your home in the future
c) You are planning to rent a property
d) You have been referred to my website and are curious to know the contents.
Whatever your reason, you are here and I would like to give you some valuable information. All my clients have thanked me for sharing with them the secret of Clean Bill of Wealth. What is Clean Bill of Wealth?
As you know, when you go to your doctor for an annual health exam, you do not want it, but you need it, and hence you go to find out how your health is generally. During that time, some issues may come up which you were not aware about and therefore you can take steps to correct any health problems.
Similarly, once a year you need to go to a financial doctor (e.g. your tax preparer, your accountant, your mortgage advisor, etc.) and do a true financial and credit check on your records. You will not believe the secrets that are revealed during this research and that will truly astound you. For example, if you have not checked your credit bureau records for a long time, you might be surprised to note who is doing a credit check on you without your knowledge, which credit company or vendor has not updated your payment records, etc., which is affecting your beacon score and that in turn affects the rate you are charged when you go for a loan, or to buy a car, or for a mortgage, etc. Having the highest beacon score, means having a Clean Bill of Wealth, which you can use to your advantage at the right time.
Now if you have come to my website because you are planning to buy, sell or rent a freehold townhome, free hold town house, semi, detached, condo townhomes, cottage, apartment, etc. or any property, having a mortgage pre-approval is the first step and the best thing you could do. The advantages of having a written mortgage pre-approval (which by the way, is free and puts you under no obligation to buy, sell or rent!!) are as follows:
You are able to lock in the best rate and therefore would know what your monthly budget would be approximately, once you own a home. Your realtor® can assist you in this regard.
You are able to know how much amount the financial institution will loan you when you are buying (or when you are selling and then buying) and therefore can decide on how much you should pay for the home you are going to see.
You have a secret weapon in your pocket to be used when the time comes to negotiate with the seller through your realtor, the lowest price for you. Once the seller knows you have a mortgage pre-approval, most often then not, you stand at an advantage as compared to someone who does not have a mortgage pre-approval.
The last but, not the least advantage is that when the mortgage specialist is taking your information to do a credit analysis and decide on the best mortgage rate for your personal situation, something might crop up which you were not aware which could have been keeping your beacon score down. At the time of obtaining the credit report, you can come to know this information and fix it, if required. And if not required, you just get a "clean bill of wealth", to get the best possible mortgage rate. Isn't this what you actually want when you are planning to buy, sell or rent a property?
For more information on obtaining a Clean Bill of Wealth, please contact me or your financial advisor. You will be pleasantly surprised!
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| Friday, 08 January 2010, 04:38:44 PM | Information is knowledge. Knowledge is power (= tough, as you see in the logo above). The options on the left menu will direct you to some problems (rough patches) people face in the current economic climate. The intention of www.Yes-IcanHelpYou.com is to provide the starting point to deal with those problems. You are invited to select the option on the left menu of that website and in the comments section, you can elaborate on the challenge you are facing. If an appropriate answer is not immediately available, you will be directed to the relevant resource, so that you can "get going".
Do you know someone who is suffering from anxiety, stress, etc. due to any of the following challenges?
Ø Financial difficulties
Ø Imminent Foreclosure of the home due to inability to pay the mortgage (For more information on Foreclosure, Power of Sale, etc., select here)
Ø Insufficient income to have a decent home of their own
Ø Getting a job interview (Unemployment or underemployment)
Ø Toxic boss syndrome
Ø Credit card/score problems
Ø Difficulties in downsizing
Ø Problems in condominium town homes/ row houses
Ø Finding the right home at the right price within limited time
Ø Separation or divorce (Savings of around $2000 in legal fees)
As you already know, related to anxiety and stress, are anger, pain, depression, worries, sleepless nights, suffering, etc. If you do know someone who has any of the above challenges, you should direct them to www.Yes-IcanHelpYou.com. The information provided there will show them how to get the start-up knowledge and the power to deal with their challenges and thus eliminate or reduce the above maladies.
As you are aware, the route cause of anxiety, stress, etc., is fear of the unknown. Fear of the unknown is caused due to lack of information to solve the problem, or lack of information on the problem, or lack of information of what is to happen in the future. Therefore, INFORMATION is the main solution. Correct?
As mentioned in the first paragraph above, when you hear someone say "....... Information is knowledge ....Knowledge is Power! ..." isn't this true in our daily lives and in the lives of many successful people that Information and Knowledge play an important role? Once we have information and therefore the knowledge about a certain process or a certain product, or a certain system, or how to deal with a certain problem, e.g. separation, job loss, unpaid credit cards, real estate problems, etc., we can use appropriate information and thus the knowledge (and the confidence/power) to get a job, or complete the separation process without major costs, or succeed in solving our financial problems, or make a good investment, or purchase or sell our home successfully,etc.
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