2008 home buying and selling guide ebook

8/14/2019 2008 Home Buying and Selling Guide eBook

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Tino Seq ue ira

Sales Repres entative

Hom eLife Res ponse Realty Inc., Brokerage *

24 Hours Phone : 905.949.0070 Direc t: 647.207.8466

Email: Tino@Tinosellshom es. com

Internet: www.Tinosellshom es .com*INDEPENDENTLY OWNED & OPERATED

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NOT INTENDED TO SEVER ANY CONTRACTS IN PLACE


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The 2008 Home Buying & Selling Guide from Tino Sequeira (Email: [email protected])ii

ContentsINTRODUCTION .......................................................................................................................................................1

HOW DO HOME BUYERS LOCATE THEIR DREAM HOME?............................................................................................2

THE 20-POINT TEST TO EVALUATE A REALTOR ...................................................................................3

BUYING A HOME A PRELIMINARY GUIDE...................................................................................................5

MISSION STATEMENT.................................................................................................................................................5ASSUMPTIONS............................................................................................................................................................5THE BENEFITS OF AUTHORIZING A RELIABLEREALTORTO ACT ON YOUR BEHALF ...............................................6

THE HOME BUYING PROCESS AND WORK INVOLVED...............................................................................7

BENEFITS OF THE GROUP LOYALTY PLAN.................................................................................................8FREQUENTLY ASKED QUESTIONS FROM FIRST TIME BUYERS ..............................................................9

FREQUENTLY ASKED QUESTIONS FROM INVESTORS..............................................................................13

HOMEBUYING SERVICES COMMITMENT .....................................................................................................14

THE HOME SELLING PROCESS AND WORK INVOLVED ...........................................................................15

MISSION STATEMENT...............................................................................................................................................15ASSUMPTIONS..........................................................................................................................................................15

MY 20-POINT HIGHER STANDARDS PLAN OF ACTION ......................................................................17

HomeLifes Promise To You ..................................................................................................................................... 17

FREQUENTLY ASKED QUESTIONS FROM SELLERS...................................................................................18

EXCERPTS TAKEN FROM THE MARCH 2008 ISSUE OF MARKET WATCH (REAL ESTATE) ...........23

REAL ESTATE / TITLE FRAUD ARE YOU AT RISK? ..................................................................................24

HOW AM I DIFFERENT FROM OTHER REALTORS?.................................................................................28

RELOCATION ASSISTANCE .......................................................................................................................................28INFORMATION ON MONTHLY MORTGAGE PAYMENT AND CLOSING COSTS .............................................................28MY PROFILE.............................................................................................................................................................29TESTIMONIALS .........................................................................................................................................................29

APPENDIX A CLIENT INFORMATION...........................................................................................................32

APPENDIX B HOUSE DATA SHEET ................................................................................................................33

APPENDIX C A SIMPLE EXAMPLE OF MONTHLY PAYMENTS AND CLOSING COSTS ..................34

SOME IMPORTANT PHONE NUMBERS............................................................................................................35

Copyright 2006-08 Reg.No.1042498 - All rights reserved No duplicating allowed without the authors written permission


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Introduction

The 2008 Home Buying & Selling eBook from Tino Sequeira (Email: [email protected]) 1

Mortgage Pre-Approval obtained quicklyAll Charges Confirmed in timeTino found me the right homeTino provided Financing (D.P) InformationTino provided me Home Inspection InformatiTino provided me Lawyers InformationTino provided me Insurance InformationMovers Information (How to avoid problems)Tino provided me R.E.fees info (PoM)

Introduction

Buying or selling a home is one of the most important and expensive decisions for most

people. Several factors including financial, employment, emotional, etc. are involved.

Very often people are reluctant to enter into the home buying or selling process,because of the many unknowns and the impending stress involved. However, when youdeal with a licensed and dedicated**REALTOR who takes the time to askyou questions and listens to yourindividual situation, (e.g. not knowingwhen to sell, or not having sufficient downpayment in liquid assets, or not havingsufficient down payment but are employed

in a lucrative job, etc.) you will find that thehome buying and selling processes can bestress-free.

Information sharing is the most importantaspect of home buying and selling.Throughout this document you will be enlightened with some basic information aboutthe home buying and selling processes.

When you authorize a reliable**REALTOR to act on your behalf

to buy or sell your home, theREALTOR should provide youwith detailed information with acustomized plan of action specificto your individual needs. Veryoften, REALTORs tend to takethe easy way out and rush theirclients into buying or selling withoutasking the right questions andwithout providing the properinformation.

In this document there are includedthe following topics. If you needmore information or would like tofind you a specific type of property,please do not hesitate to contactyour REALTOR:


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Introduction

The 2008 Home Buying & Selling eBook from Tino Sequeira (Email: [email protected])2

Tips on how to pick a reliable REALTOR

Buying a Home A Preliminary Guide

The Home Buying Process and Work Involved

Frequently asked questions from first time buyers Frequently asked questions from investors

Homebuying Services Commitment

Home Selling Process and Work Involved

Frequently asked questions from sellers

Homeselling Services Commitment

The 20-Point Higher Standards Plan of Action

Real Estate/Title Fraud Are you at risk?

How am I different from other REALTORs?

Benefits of the Group Loyalty Plan

Appendix A Client Information

Appendix B House Data Sheet

Appendix C Example of Monthly Payments and Closing Costs

**Please read the section on Tips on How to Select a REALTOR on my websitewww.tinosellshomes.com.

How do Home Buyers locate their Dream Home?

According to the National Association of REALTORS Profile of Home Buyers and Sellers,Homebuyers may use several information sources in their search process, but, they are mostlikely to find the home they actually purchase through a real estate sales professional.


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The 20-Point Test to Evaluate a REALTOR



As you know, buying or selling a home involves making one of the most expensive decisions formost people. And everyone wants a good deal. Correct?

One way for you to get a good deal is to know a lot about the real estate market and theassociated financial implications. Another way is to contact a reliable REALTOR who is honestand hardworking and whom you cantrust to provide with informationabout the financial implications andcan assist you to get a good deal.

The problem is that, today there areso many REALTORS and onegets confused as to who can provideexcellent service, give the rightinformation and also get you a good

deal.

To assist you to find out whichREALTOR will work in your bestinterests, following (next page) are aseries of questions (applicable toboth buyers and sellers) which youshould ask when evaluating aprospective REALTOR. Somequestions deal with buying (8), some

with selling (7) and the rest deal with both (5). Eachquestion has 1 point. Depending on your individual situation(i.e. buying or selling or both), in each category (SB/B/S) ifyour prospective REALTOR scores 100%, you can bealmost certain that he or she will work to your bestinterests and assist you to get a good deal on thesubject property.

Please note that this evaluation only applies if you havenot signed any Buyer Representation Agreement orlisted your home already.

So, here goes the test. If your evaluation with your currentREALTOR results in a total of less than 100% in anycategory applicable to you (SB/B/S), you need to use my

services and ask the same questions and I will assure youof scoring a 100% - your assurance of excellent service anda good deal:


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The 20-Point Test to Evaluate a REALTOR:

SB = Selling or Buying B = Buying S = Selling Yes No Y/N PtsSB Did your REALTOR provide you with a Business Plan which shows you the detailed

steps when selling or buying a home/condo?

1

SB When selling or buying a resale home which does not have floor plans, has yourREALTOR offered to provide you with floor plans for the benefits they provide bothto the seller (to sell faster) and to the buyer, e.g. to arrange your home dcor andfurniture, renovations, home improvements, etc.?

1

SB If your REALTOR is a relative or close friend, are you comfortable sharing personalfinancial information?

1

SB When you call or send an email to your REALTOR , do you get a responseimmediately?

1

SB When selling or buying a re-sale home, did your REALTOR give you information onthe Home Warranty program?

1

B When buying a home, did your REALTOR caution you that if the real estate deal is not

handled professionally and with all the safeguards, you could face expensive litigation?

1

B When buying a home, did your REALTOR inform you how to avoid mortgage fraud? 1B If you are looking for a home in a particular area and there are none listed on the MLS,

does your REALTOR use the Laser Guided Home Buying (LGHB) technique to findyou that home?

1

B When buying a home, did your REALTOR provide you with a breakdown of themonthly expenses and the closing costs?

1

B When buying a home, did your REALTOR do the analysis to show you how muchequity you would have in the property after say 5 years?

1

B When buying a home, did your REALTOR show you how much interest you couldsave by adjusting your mortgage payments?

1

B When you bought your current semi/detached home, or plan to buy your next home did

your REALTOR provide you or promise to provide you with your very own copy of yourHome Manual?

1

B When buying a home did your REALTOR offer you the Group Loyalty Planwherebyyou could get a credit for home inspection and other closing costs?

1

S If you currently own a home, but, wanted to reduce your mortgage, did yourREALTOR show you several plans?

1

S When selling your home, did your REALTOR provide you with a Home SellingCommitment ?

1

S When selling your home, does your REALTOR compromise on commission, and thenfails to market the property effectively?

1

S When selling your home, has your REALTOR offered you the option of arranging ahome staging or other valuable techniques (i.e. Home Warranty, etc.) to increase the

value and/or appeal to motivate buyers?

1

S When selling an older home, has your REALTOR discussed the benefits of having apre-inspection and prepared to bear the cost of the same to prove the point?

1

S When selling your home did your REALTOR give you a timeline when the home wouldbe sold and met that timeline?

1

S When selling your home did your REALTOR offer you the Group Loyalty Planwhereby you could get a discount on the real estate fees?

1


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Mission Statement

The mission statement of a reliable REALTOR would be to provide clients withpersonalized REALTOR services which will enable them to buy a home according totheir individual criteria and assist them with providing all relevant information in a timelymanner.

Assumptions

1. Clients have signed an authorization which facilitates theREALTOR to represent their interests and enables them to haveall their questions and concerns addressed expeditiously.

2. Clients may or may not be first timebuyers and may not be familiar with the current homebuying process.

3. Clients may need to meet with their rental obligations and therefore would requiretheir house closing date to synchronize with their lease termination.

4. Clients have been qualified financially and may havereceived mortgage pre-approval from a financial institutionor mortgage company.

5) Clients have provided the REALTOR with information about their preference forthe area in which they are looking for a home.

6) Clients may or may not have been asked the right questions about the type of homethey are looking for or eligible to buy, i.e. detached, semi detached, condo

townhome, condominium apartment, freehold townhome, etc. as well as number ofbedrooms, washrooms, finished or unfinished basement, etc. etc.

BANK OF PROSPERITY


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The benefits of authorizing a reliableREALTORto act on your behalf

In order to have peace of mind when buying a piece of property, you will agree that trust

is involved. In other words, you must be serious about buying or selling a property. Youmust also be actively looking for a property or actively wishing to sell your property. Forexample, even though a client may not be serious about buying a property, he/she maycontact several REALTORS to find out about properties and even wants to see thoseproperties. Thereafter, the REALTORS work hard in identifying properties to help theclient. But, since the client is not serious, he/she does not sign any authorization, norshows seriousness in discussing potential properties, or cancels appointments, and failsto be honest with the REALTORS. Remember, the REALTORS have had to spend alot of time and effort to locate properties for the client; but, had to cancel appointments.This jeopardizes the REALTORS credibility and causes waste of resources to bookappointments, travel to the properties, inconveniencing vendors, etc. On the other hand,

by signing the authorization, a trust is established, responsibilities are defined andabove all, buyers rights are protected. And remember, you do not have to pay to signthe authorization. Further, if you are not happy, you can cancel the authorization. Thebenefits that accrue after signing the authorization with a reliable REALTOR are asfollows:

1. TheREALTOR should provide you with a step-by-step Home Buying Guide to show you exactlywhat is involved in buying a home. TheREALTOR should provide you with other valueadded services.

2. The REALTOR should immediately set you up in theofficial MLS system to generate reports on a dailybasis of listings that come up with the criteria you requested.

3. The REALTOR should take the time and make the effort to show you theproperties that fit within your criteria. Even if a home is not listed in the area youwant, the REALTOR should try to find you a home there, only because you gavethe REALTOR the authorization.

4. Other benefits are described in the section entitled: How am I different from otherREALTORS?in this document.


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Once you authorize your REALTOR to help you to find a home according to your

requirements, the REALTOR should provide you with the Homebuying ServicesCommitment along with the 16 critical steps that will assist you in the home buyingprocess. These steps will eliminate the home buying stress syndrome that affectssome first time homebuyers.

Following is the general strategy the reliable REALTOR should follow to assist you tobuy a home:

1. You should be provided with a business plan that would show you how theREALTOR endeavours to assist you to buy your next home/condo sooner thanlater. Some of the activities would include:

Dedicated and professional research on the type and location of the property that

you are looking for. Using the power of an in-house network of over 150 sales REALTOR s to find the

right home for you.

Mapping your needs of the right home in the right location and motivating sellers tomeet your needs.

Using a very specialized and unique processe.g. LGHB to locate the home in the area thatyou want at the right price.

Finding a property that meets your investment

needs (if any).2. If required, arranging your financing pre-approval to empower you to negotiate with

the seller with confidence.

3. After showing the home, the REALTOR should follow up with you and the seller tofind out how both the demands can be met.

4. The REALTOR should assist you with valuable information regarding how to avoidbeing a victim of title fraud, engaging reputable movers, how to avoid scams, etc.


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Benefits of the Group Loyalty Plan(


Benefits of the Group Loyalty PlanWhen a group of clients sign into the plan as a group, they get the following *benefits.

Details are provided during a personal discussion:1. They do not have to pay anything to sign into the Plan.

2. The savings they get when they buy or sell a home through the Group LoyaltyPlan is at least $1,000+ (depending on the value of the home) - achieved asfollows:

a. Depending on their eligibility, they are offered a good discount below the postedmortgage rates.

b. Due to Group/Volume Discounts, employees save towards HomeInspections, Real Estate Fees, Lawyers Fees (excluding disbursements),One year Home Warranty and even CMHC fees. Details are provided during

a personal discussion.Normally, they would not be able to get this big saving if they bought or solda home on their own or through another source.

3. They get a package deal which includes:

Preferred Mortgage Rate

Lawyer

Home Inspection or One year Home Warranty (details available separately)4. They do not have to spend time arranging for the above services as those are

arranged as part of the Group Loyalty Plan. This means that once they join the

Plan and decide on a particular home, they have to sign the standard MLSAgreement of Purchase and Sale (which is the offer). Once this is accepted andthe deal is executed, the rest of the paper work is taken care of by the plan. Thiswill take the load of looking for home inspectors, lawyers, mortgageproviders, etc. and also give them the benefit of the volume discounts.

5. They can relocate to a home, near their place of work sooner than later.

6. When they buy or sell a home through the GLP, we provide them with their veryown Home Buying/Selling Package, which gives them the detailed steps in thehome buying and selling process.

7. When they buy a home through the GLP, we provide them with their very ownHome Manual which provides information on the home, including the roof, windows,

heating, electrical, plumbing, etc. This helps them to look after their home betterand they know what to do if you have a problem.


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Frequently Asked Questions from First Time Buyers



The following are the most frequently asked questions by first time home buyers. If you

have additional questions or need to discuss your individual situation, please contactme or send me an email ([email protected]) or call me at (647) 207-8466 andI will respond to you promptly:

Q Why is it said that landlords get richer and renters dont?

A It is because landlords have taken the trouble of wisely investing in real estateand using their investment to generate income.

Q By renting, I do not have to do maintenance around the home and therefore havefreedom of time. Is this not better than owning a home?

A By owning your home, you may or may not have to do the maintenanceyourself, but, the main advantage is you have financial freedom when you ownyour own home (see explanation below). When you have financial freedom, youcan engage people to do the maintenance in your home.

Q What do you mean by saying that by owning my own home I have financialfreedom?

A I will respond with examples.

If you are paying a rent of $1200 per month today, you are losing approx. $307per month over a five year spread. [Based on an example of a $170,000 worth

2 bedroom, condo apt. with 5% down payment, monthly mortgage of $989(@5.25% rate) gives you a mortgage balance of $147,930 after five years, thusarriving at a saving/equity of $307 per month]. At the end of ten years you haveequity of $42,576 on the home you own. If you pay rent for ten years, you havezero equity.

Similarly last year, when the rate was approx. 4.45% you would have earnedequity of approx. $338 per month in five years if you had bought a condo then.

Q How can I own a 3 bedroom detached home, if I am currently paying a rent of$1200?

A First of all, based on your income and that of your spouse, you may qualify for a

3 bedroom home sooner than later. In the event, this is not the case, you canalways start small and once you build up your equity, you can always move to abigger home. By continuing to pay rent, you are limiting yourself from taking thefirst baby step towards owning your own detached home.


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Q Can I recover my mortgage payment by buying a home with a finished basementapartment and a separate entrance?

A You have to weigh all your options and make a decision on what is beneficial to

you personally and your family. A free and frank discussion with yourREALTOR will provide the answers you are seeking.

Q Is it true that mortgage rates are fluctuating? If so, when would it be a good timeto buy?

A Recent news bulletins indicate that mortgage rates are falling. For how long thistrend will continue has not been determined. However, if you are buying aproperty (condo/townhome/detached/semi-detached) to be your primaryresidence, any time is a good time, since from the day you move to your ownhome, you are starting to build equity which will always have a positive result.

Q I have recently immigrated to Canada and do not have a job. Can I qualify to get amortgage and buy a home?

A If you have completed your logistic formalities, i.e. obtained your SIN card,transferred funds from your previous location, etc., and have a sufficient downpayment and meet the financial companys qualifications for a mortgage, youcould get a mortgage. Discuss with your REALTOR and a mortgage specialistfor specialized advice.

Q I am thinking of buying a home, but have a few more months on my lease. Whatshould I do?

A You have several options depending on your specific situation. Call yourREALTOR or call me and I will sit down with you and review your personalsituation. The short answer is there is a way to assist you to move to your homeand also meet your lease obligations.

Q Does having my own home help me to get a job faster or get approved for creditquicker?

A Not always. However, when completing various applications, sometimes thereare questions asking whether you rent or own your home.

Q Can I run a business from my own home?

A In most cases, depending on the local regulations, the answer is "Yes". But, youneed to determine that from the local municipality. However, very often, havingyour own home is conducive to having a home based business and your clientsare not inconvenienced as they would be in a rental apartment. Further, youhave ample space either in the basement or the garage to carry on a homebased business.


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Q I have never owned a condo or a home in Canada. Can you help me by providingme with detailed steps on the process and what formalities have to be completedand who does what?

A Yes. I can certainly do that. In fact, you are reading the 2008 Home BuyingGuide. Once you authorize me to find a home for you, I provide you with an in-depth plan which provides all the details and procedures involved, includingusing your RRSPs, lawyers, home inspection, etc.

Q I would like to buy a condo, but do not know whether I qualify to get a mortgage.Who can help me?

A I could help you. Please contact me for a personal discussion and I will give youthe immediate information. I would also recommend that you contact amortgage specialist to get you pre-approved.

Q What happens if I buy a condo or a home and a year later, I may lose my job, orfor some reason I cannot afford to pay the mortgage?

A First of all, nobody can predict the future. Secondly, when dealing with aprofessional mortgage specialist, he/she will ensure that you are given the rightadvice with regard to the value of the home you can afford and the mortgagethat you can pay. However, if due to circumstances beyond your control you areplaced in a certain predicament; you are advised to consult your REALTORand your mortgage specialist immediately, who collectively will try to find asolution. In an extreme case, it is possible that you could sell your condo/homeand due to the equity that has built up, you may not incur a loss. Every situationis different and you need to consult the right people, when you have a problem.Remember, there is a solution to every problem. You have to find the rightperson to speak to.

Q

A

Do I need the services of a REALTOR when buying a condo or a home when infact I can find properties on www.mls.ca?

Thats a good question and many buyers had that thought as a first step.However, first things first. The information that is on the www.mls.ca website isnot so fresh, since it is a free service. So, if one sees a listing for a condo or ahome, invariably that information is old. So, when the licensed REALTORchecks that info on the official MLS system, that condo may have been sold, or

the listing may have expired. However, it is a good place to start researchinginformation, but, it is not accurate. Further, following are some of thecharacteristics of a good REALTOR. Do you believe you could get a betterdeal on a condo/home without using this REALTORs services?


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The REALTOR:

Endeavours to find the home that you want in the right neighbourhood. Takes the time and effort to make enquiries in the neighbourhood to find out

information about schools, shopping, etc. Has concerns about your health, safety and security and therefore will

provide you with your own Home Manual to guide you in getting the best outof your home.

Gets the best deal for you by research and negotiations. You offer the pricethat would enable you to purchase your home within a short time under thecircumstances.

Works towards getting the seller to accept the price that is close to theirexpectations and is happy to do so thus creating a win-win situation for all.

Uses the advantage of a huge network and staff that support you through therep. in sourcing for property that meets with your requirements.

Guides and assists you with important tips to save you time and money.

Works hard to find a seller who has the right home in the right neighborhoodfor you from the day you authorize the real estate to find you the rightcondo/home,. Finding that Seller is the key to the success.

Shows you the tasks that can be completed in advance to give you the peaceof mind to make important decisions at the right time. For example, shouldyou be worrying about offering the right price for your next home, when youcan empower yourself in advance to negotiate a good deal with theprospective seller? Further, should you be worrying yourself about so manythings that need to be done when sometimes you sell and buysimultaneously? For example if there was a house to buy at a competitiveprice and the other buyer had some information/knowledge which you do not

have. Who do you think will be successful? You should be shown how to getthat power with simple steps.

Empowers you to negotiate a better price than other buyers. Saves you time and effort in providing you valuable information with regard to

financing, home inspection, movers, legal assistance, etc. etc.

Finally, last, but not the least, you must ask your REALTOR for your very ownHome Manual.


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Frequently Asked Questions from Investors


Frequently Asked Questions from Investors

The following are questions asked by investors. If you have additional questions or

need to discuss your individual situation, please contact me or send me an email([email protected]) or call me at (647) 207-8466 and I will respond to youpromptly:

Q Why is it said that investors (landlords) get richer and renters dont?

A It is because investors have taken the trouble of wisely investing in real estateand using their investment to generate income.

Q I currently have a home and would like to invest in real estate. Can you please do asimple cost analysis of investing in a townhome?

A The following is a basic example of investing in a townhome and renting it:

A townhome listed for say $215,000 and bought for say $200,000, with a downpayment of say $50,000 the monthly mortgage payment (P&I) would be approx.$889. After five years, the mortgage balance would be approx. $133,000, givingyou equity of approx. $17,000. In the meanwhile with a rent of approx. $1450per month, your earnings would be approx. $32,000 at the end of 5 years plusyou have a property which could have appreciated to say $250,000 which ifsold then, would give you a return of $117,000, where you had put a downpayment of $50,000. Even if the property appreciates to a conservative value of$225,000, you still get $92,000 cash.

Q I currently own a home with my spouse. Can I invest in real estate?

A Yes! You can certainly invest in real estate and generate income. However, inorder to do a detailed analysis of your individual situation, you need first toconsult an accountant and have all your tax questions answered. Thereafter,you can call me and I will show you various scenarios of investing in propertiesthat would generate income for you.


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Buying your first home is an important decision. As

your HomeLife/Response Realty sales professional,

my goal is to help you to buy your first home or

condo at the best negotiated price, within the time

frame that fits your plans and to make the

Homebuying process as efficient and stress-free* as

possible.

I commit to you that I will:

Communicate with you in a timely and efficientmanner.

Identify your needs.

- Consult with you to clarify your needs,expectations and priorities.

- Discuss buyer, seller and dual agencyalternatives, and determine how I can best

work with you to achieve your real estate

objectives.

- Answer any questions you might have aboutthe Homebuying process.

Provide you with a customized Home BuyingPlan.

- The sixteen steps* contained in the plan willalleviate any Homebuying stress that you

may have.- The plan will inform you of all the critical

procedures, including, but not limited to

mortgage approval, how to get the seller to

accept your offer, dealing with lawyers, home

inspectors, building management (for

condominium apartment), etc.

Help you determine an effective Pricing Strategy.- Explain how offering the best price for you isdetermined, and discuss the role of market-sensitive

pricing in the successful Homebuying process.

- Research and present a Comparative Analysis showingrecent purchases of similar properties that you are

seeking to purchase in the same area.

- Discuss financing options that will help you to realizeyour dreams.

- Prepare a preliminary estimate of your monthly costsand closing costs.

- Recommend steps to negotiate the best possible price.

Represent you in negotiations with prospective sellersREALTOR s.

- Review all purchase offers with you prior to submittingto the seller, and explain the terms of the Agreement of

Purchase and Sale.

- Negotiate in your best interests, including and handlingof counter offers, to reach an agreement that is

acceptable to you.

Work to protect your interests through the completion ofthe transaction.

- Work with the buyers real estate professional andothers to see that all requirements of the purchase

agreement are satisfied and to help keep the transaction

on schedule.

- Keep you informed of the progress of the transaction.- Provide you information on how to avoid being a

victim of title fraud.

This is my commitment to you to ensure that I meet all of your expectations in the entire Homebuying process.

Prepared for: _______________________________

Prepared by: Tino Sequeira, Sales Representative

HomeLife/Response Realty Inc.,

Brokerage- Independently owned and operated

Date Prepared: _____________________________

Not intended to solicit properties listed for sale or interfere with any Buyer Representation Agreement

PERFORMANCE

GUARANTEEIn the event that the real estate

services provided by me are notto your satisfaction I will bear

the costs towards inspection of

the home you are buying

through me.


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The Home Selling Process and Work Involved



Mission Statement

The mission statement of a reliable REALTOR would be to provide clients withpersonalized REALTOR services which will enable them to sell their clientsproperty for the highest price attainable, within the time frame that fits your plans,and to make the home selling process as efficient, stress free and successful aspossible.

Assumptions

1. Clients have signed a document which authorizes the REALTOR to represent theirinterests and enables them to have all their questions and concerns addressedexpeditiously.

2. Clients may need to meet with their personal obligations and therefore would requiretheir house closing date to synchronize with those obligations.

3. Clients have authorized their REALTOR to verify the mortgage balance from thefinancial institution or Mortgage Company.

4. Clients have provided the REALTOR with information about their preference forthe area in which they are looking to buy a home - if that is their arrangement afterthe house is sold.

5. Clients are seeking to sell their homes even if there have problems in the past inselling them.

6. Client seeking to sell their homes are new in the selling process and therefore needa detailed plan of action.

Once you authorize a reliable REALTOR to sell your home that REALTOR shouldprovide you with detailed information on the steps involved and what you can expect inthe process. Following is a brief outline:

1. You should be provided with a business plan that would show you how theREALTOR endeavours to sell your home sooner than later. Above all, theREALTOR should constantly keep you updated of progress and promptlyreturn your calls. Some of the marketing efforts should include:

Meet with you and understand everything about the home and the features that youfeel would sell.

Inspect the home and recommend on areas where the property could be improvedand its value increased.

Carry out a CMA of similar properties in the area and prepare a report.

If the property is old, provide you with the ten most valuable tips on how to


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improve your homes ability to sell at a good price.

Distributing flyers door-to-door, informing about your home for sale.

Professionally list your home on the MLS system.

Using the power of the in-house network of REALTORs to market your home totheir own clients.

Advertising your home in the newspapers and on the Internet.

Having productive Open Houses to draw people to your home.

Mapping the needs of potential buyers who are seeking to buy a home in your areaand steering them to your home.

2. Buyers are pre-qualified before they come to see your home preventing waste of yourtime.

3. After showing the home, the REALTOR should follow up with the buyers andmotivate them to decide sooner than later.

4. The REALTOR should offer unique services to motivate buyers to buy your home(Details provided on request).

5. Remember, if after buying your home, a buyer finds a major defect which was notinformed in advance, you could be liable. Others may not have told you but, thereliable REALTOR should inform you about the legal implications of not disclosingknown information and assist you to avoid lengthy court cases.

6. The REALTOR should assist you with valuable information regarding home staging,movers, relocation, etc.

7. You should not have the inconvenience of having strangers and other REALTOR s

calling on you without productive results.

8. You will have the peace of mind of having your home sold, sooner than later,and to carry on with your life.


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My 20-Point Higher Standards Plan of Action


My 20-Point Higher Standards Plan ofAction

HomeLifes Promise To YouThe following is a twenty-point promise; outlining allthe steps I will take as your HomeLife SalesRepresentative to ensure that your home is soldquickly, for the best possible price with the bestpossible terms.

1. Prepare a market analysis of your home.2. List your property on the Multiple Listing

Service (MLS) for maximum exposure.3. List your property atwww.Tinosellshomes.com

using our 24 Hour Home Finder.

4. Display your property at our HomeLife locations,while also promoting your property to HomeLife staff at marketing meetings.5. Prepare a detailed highlight sheet listing the features, advantages and

benefits of your property.6. Help develop your propertys "distinct capacity" by touring your property

with our professional sales team to determine its principal benefit.7. Place a professional and distinct HomeLife sign on your property.8. Advertise.9. Promote the sale of your property throughout your community.10. Communicate to you regularly on all aspects of marketing.11. Provide regular updates regarding market conditions.12. Pre-qualify potential purchasers to save you time.13. Make you aware of all financial alternatives regarding your sale.

14. Explain our home warranty program to you.15. Offer moving services to both buyer and seller.16. Communicate with you regularly and give you my "Performance

Guarantee.17. Represent you on all offers and negotiate for the Best Possible Price and

Terms.18. Provide you with copies of all information relevant to the sale of your

property.19. Follow up on all necessary closing details until the money is in your hands

and youre ready to move.

20. Leave you a copy of My Action Plan.Prepared for: _________________________________________________________________Prepared by: Tino Sequeira, Sales Representative, HomeLife Response Realty Inc.Date Prepared: _______________________________________________________________


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Frequently Asked Questions from Sellers



The following are the most frequently asked questions by condo/home sellers. If you

have additional questions or need to discuss your individual situation, please contactme or send me an email ([email protected]) or call me at (647) 207-8466 andI will respond to you promptly:

Q I have been living in my current property for the past five years. When is it a righttime to sell and move up?

A Selling ones condo/home is a very personal decision and needs to be analyzedby looking at all the pros and cons. For example, you need to ask yourself thefollowing questions and discuss your responses with your REALTOR :

a) What are my short term and long term housing needs and those of my

spouse/partner/family?b) What is the equity on my current property?

c) What are the mortgage/financial implications of selling and moving up ormoving down?

d) Do I need to reduce my current mortgage?

e) What is the cost-benefit ratio of selling my current property and buyinganother?

f) Will my REALTOR be able to sell my property at the best price?

g) Will my REALTOR be able to find me a property within the area that I amlooking for, i.e. near school, shopping, public transit, etc.?

Q Once I decide to sell my condo/home, what questions should I be askingprospective REALTOR s before deciding to engage one?

A Most REALTORs will profess to be the best one for you and try to convince you toengage their services. However, you can ask the REALTOR s the following questionsto find out who will represent you entirely and successfully sell your home:

a) Do you provide a detailed Home Selling Plan that lists all the services you willprovide to arrange the successful sale of my condo/home?

b) Do you provide a Home Selling Commitment?

c) I currently have a huge mortgage on my home. Can you show me how I can reducemy mortgage?

d) What special techniques would you use to improve the appeal and value andmotivate buyers to buy my home since I have tried to sell my home on my own andalso used other REALTOR s, but, the home did not sell?

e) Other REALTORs have advertised that they will buy my home if they are not ableto sell it within a month. Does this really benefit me and what are the hidden costs?

f) Why do some REALTOR s charge a full 5% commission and some advertise only2.5% commission?


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Q I have read a lot about real estate and title fraud in the newspapers. How do I goabout preventing this from happening to me?

A Title Fraud has been taking place since some time. However, the incidents

were not reported in the news media before. Now that you are reading aboutthese scams, you do not have to panic. Just realize that it is possible and youcan take preventive measures. The government of Ontario has introduced newlegislation and lawyers are waiting to see the outcome. However, kindly readthe section Real Estate/Title Fraud Are you at Risk?in this document formore information.

Q Can I recover my mortgage payment by selling my current home and buying ahome with a finished basement apartment and a separate entrance?

A You have to weigh all your options and make a decision on what is beneficial toyou personally and your family. A free and frank discussion with yourREALTOR will provide the answers you are seeking.

Q Can I sell my condo and buy a home since I would like to run a business from myhome?

A In most cases, depending on the local regulations, the answer is "Yes". But, youneed to determine that from the local municipality. However, very often, havingyour own townhome or semi/detached home is conducive to having a homebased business and your clients are not inconvenienced as they would be in acondo apartment. Further, you have ample space either in the basement or thegarage to carry on a home based business.

Q I would like to sell my condo apartment and buy a detached home, but do notknow whether I qualify to get a mortgage. Who can help me?

A I could help you. Please contact me for a personal discussion and I will give youthe immediate information. I would also recommend that you contact amortgage specialist to get you pre-approved.

Q What happens if I sold my condo or a home and moved up, but, unfortunately, ayear later, I may lose my job, or for some reason I cannot afford to pay themortgage?

A First of all, nobody can predict the future. Secondly, when dealing with a

professional mortgage specialist, he/she will ensure that you are given the rightadvice with regard to the value of the home you can afford and the mortgagethat you can pay. However, if due to circumstances beyond your control you areplaced in a certain predicament; you are advised to consult your REALTORand your mortgage specialist immediately, who collectively will try to find asolution. In an extreme case, it is possible that you could sell your home anddue to the equity that has built up, you may not incur a loss. Every situation isdifferent and you need to consult the right people, when you have a problem.


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Remember, there is a solution to every problem. You have to find the rightperson to speak to.

Q Do I need the services of a REALTOR when selling my condo or a home when in

fact I heard people sell their own homes?

A That's a good question and many sellers had that thought as a first step.However, 80% of sellers who start off to sell on their own end up using theservices of a REALTOR and the reasons are given in the matrix below. Whenpeople venture to sell their own homes, they are doing so with limitedinformation and high risks. Did you know that if there was some problem withyour property and you sold it to someone without disclosing that problem, thebuyer could sue you if the problem was detected later?When selling your home, you have at least two options:

Sell your home yourself; or

Use the services of a licensed REALTORThe following are the list of differences between selling your own home or usingthe services of a licensed and reputed REALTOR :

Risks and Issues when selling yourown home

Benefits of Using a LicensedREALTOR

1. You may not have the resources tohave your property exposed andpublicized to a wider audience so thatsomeone out there will buy your home.It is purely a question of numbers - themore exposure you get, the greater are

your chances of your home being soldfaster and at a better price.

When you list with a licensed REALTOR,your property gets accessed by more than25,000 REALTORs. Each REALTORhas on average 1-5 buyers who arelooking to buy homes. This means thatyour property gets exposed to

approximately 100,000 prospective buyersand therefore your home could sell fasterand at a better price than if you sold onyour own.

2. You may not be aware of the techniqueto best present your home, so thatpotential buyers are impressed whenthey first step into your home.

A licensed REALTOR offers several tipsto improve the appearance of your home,etc. to help you sell your home faster.These include:

Informal re-arrangement of thefurniture, improving curb appeal, painttouch up, cleaning and fixing of areasthat are damaged or visuallyunimpressive, landscape improvement,fluffing, etc.

Home Staging professional adviceValue added services

3. You will not have all the information toprepare a proper market analysis ofyour property or to arrive at a realisticprice for your home.

A licensed REALTOR will prepare aprofessional CMA of your property toarrive at a realistic price.


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4. You will have to bear the cost of a prehome inspection when required (due tovarious reasons), if you arrange onewithout a REALTOR 's input.

Depending on the terms of yourengagement, a licensed REALTORcould arrange a pre-Inspection of yourhome by a qualified home inspector.

5. Many FSBO prospects believe that a

lawyer will take care of all the paperwork and assist them to complete thereal estate transaction. However, didyou know that a lawyer is allowed tocharge a tariff of upto 1% of thevalue of the property to prepare thepaperwork and review the same withyou? It is only AFTER receiving thefinal bill, people have been surprisedfor what they have been charged. So,in reality, you may save a few hundreddollars by selling on your own, but, therisks, challenges and uncertainties of

"what happens next?" will leave youwith sleepless nights.

A REALTOR holds your hand while

going through the maze of the red tapethat is involved with selling your home.This includes, but, not limited to:

Agreement of Purchase & Sale (the"offer")

Home Inspection and waiver thereof Mortgage confirmation and waiver

thereof

Amendment to the Agreement ifrequired due to changes in the terms ofthe contract

Disclosures as required under the law6. When submitting for mortgage your

offer that has not been prepared by aREALTOR , the bank could insist onan appraisal and charge you for it.Further, banks may not easily givebuyers the discounted rate formortgage, which means buyers haveto pay more for your home when soldby you. This offsets the savings incommission, since actually; the buyerpays the commission and not theseller.

A REALTOR will ensure that the buyerhas options with various lenders so thatthey get a discounted rate and lenders willrespond favourably when a REALTOR isinvolved with a buyer.

7. You may not be aware that evenafter the home is sold the sellercould be liable for damages.

You may have the inconvenience ofstrangers who have not beenscreened or pre-qualified enteringyour home.

You may not have the technique toclose the sale after someone seesyour home.

You may have to take the trouble of

having "open houses" and provideinformation to strangers who maybe only "visiting", but not serious tobuy. All your efforts of providingthem with printed information maybe wasted.

You may have to respond to callsfrom a number of real estateREALTORs.

When working with a REALTOR,buyers are screened (qualified) beforethey come to see your home. Thissafeguard is much better thansomeone who sees a FSBO sign onyour lawn calls you up and comes intoyour home. Or someone who comes toyour "open house", cases the placeand could possibly return when youare not there.P.S. Are you willing to save a fewthousand dollars by having "strangers"enter your home and expose your

family and belongings to a huge risk?


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8. Very often buyers who venture to buydirectly from the seller are "bargainhunters" trying to save money on theselling price. Correct? A seller who istrying to sell on their own is also doing

the same thing because they want tosave the commission. Correct? But, inreality, both parties to a deal cannotsave, because, when one tries to save,the other has to suffer a loss and viceversa. For example: If and when thehome is sold by you and the buyerarranges a home inspection, due to"buyer's remorse", if something smalllike a crack in the wall, etc, is found,the buyer will want to get out of thedeal or demand a big reduction in theprice, which will offset any savings

in the commission that you aretrying to achieve.

When dealing with a REALTOR thesituation is a lot different. For example,after a home inspection is carried out by aprofessional home inspector, if someissues are identified, the REALTOR will

work with the buyer to calm them downand find a "workaround" the issue thatmay come up. Since it is in everybody'sinterest to have the deal go through, allparties are encouraged to compromise.This is not prevalent in the absence of alicensed REALTOR.

P.S. I understand that selling your house is an important decision foryou. My goal is to help you sell your property for the highest priceattainable, within the time frame that fits your plans, and to make thehome selling process as efficient, stress free and successful aspossible.


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Excerpts from the March 2008 Issue of Market Watch


Excerpts from the March 2008 Issue of Market Watch

To see the full report go to:

http://www.tinosellshomes.com/

pdfMarketWatch/2008_03.pdf


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Real Estate / Title Fraud Are you at Risk?



I have been receiving calls from my clients wondering whether they are at risk of being

victims of title fraud or mortgage fraud, identity theft, etc. First of all, as a consumer youare always at risk of being defrauded. However, in this article I would like to talk aboutsome tips on preventing identity theft, mortgage fraud and title fraud.

Fraud Title Fraud, Mortgage Fraud, Real Estate scams, etc. These are no longer rarecases. These are happening frequently and the media has taken the lead in publishingvarious scams. However, when you deal with an honest REALTOR, the risks arealmost eliminated. I say almost eliminated because, sometimes, when the REALTORis honest, the ancillary parties involved in the deal, i.e. mortgage specialists, lawyers,etc. may have an agenda and one has to be very careful. In fact, many of the cases oftitle fraud that have appeared in the media involve identity theft and false mortgage

registration with the involvement of various entities, including the bank, the lawyer andthe title registration office. So, the key word is be alert and when you deal with anhonest licensed REALTOR you are in safe hands. Let me clarify below.

Let me begin with mortgage fraud. There are real estate REALTORs who would like tomake a sale by hook or by crook. So, they team up with shady mortgage specialistswho may not even be licensed, but, work on freelance basis, who are able to getmortgages under fraudulent measures. So they tell the REALTOR Dont worrywhether the client qualifies for a mortgage, just find them a home and we will take careof the mortgage. The REALTOR, who is anxious to make the sale, finds a home forthe buyer, and hands over the papers to the mortgage specialist who through

fraudulent means (bogus employment letters, bogus referral, etc.) is able to get themortgage for the buyer. The buyer buys a home and couple of months/years laterrealizes he/she cannot afford to pay the mortgage. In fact, sometimes lawyers getinvolved with private sales and prepare offers in collaboration with mortgagespecialists and are thus able to register properties independent of the involvement ofhonest licensed REALTORs. So, the key words are buyer beware of your rights andprivileges.

If you deal with an honest and licensed REALTOR, you do not have to worry aboutmortgage fraud. This type of an REALTOR will ensure that you are free from anyunscrupulous con artists whose only motive is to make money at any costs. Further, be

wary about private sales. You are leaving yourself open to lawsuits when you are notprovided with information about your rights and privileges. Sometimes you may getstuck with the sellers taxes if you deal directly with the seller. So, when you deal withan honest REALTOR, you get the following genuine services and information:o Homebuying Services Commitment with a performance guarantee.o Detailed steps in the home buying process.o Supplementary advice on mortgage financing. Remember, your main advisor would

be your financial institution. Even if you get a mortgage through a licensed mortgage


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broker, it would be advisable to establish some contact with the lender and find outbefore the closing date, more about the options that are offered. Additionally, youneed to discuss with your REALTOR what options the financial institution is offeringyou so that the facts can be corroborated.

o Supplementary information on lawsuits between sellers and buyers involved withprivate sales, scams from movers, etc.

Title Fraud:The media has to be commended for bringing to the attention of the public theincreasing number of title fraud cases. Better late than never, the government, realestate lawyers and the banks have now started to take proactive measures to avoidtitle fraud or to protect the honest consumer. However, it is the responsibility of theconsumer to take preventive action. I have been following the various articles in themedia and have spoken to couple of title insurance representatives and lawyers. Thereare some lawyers who are not even aware about the procedure to apply for title

insurance. They have also informed me that most people are not aware that title fraud istaking place and are reluctant to take preventive measures. I am giving below thepreliminary (prevention of identity theft) and secondary steps to avoid or deal with titlefraud:

Preliminary tips to avoid Identity Theft (IT):

Do not carry your SIN card with you.Leave your SIN card in a safe place at home.

Do not give your Social Insurance Number to anybody unless it is absolutelyrequired. If it is demanded from you, find out for what purpose it is being used.You should not be forced to give your SIN to anybody since that is your right.

Do not apply/keep more than one or two credit cards.The more credit cards you carry makes you vulnerable for your information to bewidely available. Further, the more credit cards on your name reduces yourcreditworthiness.

When you affix your official signature to mortgage and bank documents,request for a copy of those documents and keep in a safe place.In the unfortunate event of a fraud investigation or a court case, when fraudulentdocuments are entered as evidence, you will be able to show that none of those areyours since you have kept copies of all documents containing your official signature.This may be a long shot, but, will ultimately prove in your favour.

Keep a shredder at home and shred all financial statements or any documentsthat has your name, and other information and doesnt need keeping.This is one of the root causes of identity theft.

Secondary tips to avoid Title Fraud (TF):

Be aware that title fraud is a fact of life. Do not panic. However, follow thesteps below and you can prevent or deal with title fraud more effectively.


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As mentioned in the newspaper articles, the first step is that the public needs to beaware that this could happen to anybody. The fact is nobody is immune from thetentacles of fraud artists; unless of course one takes some measures of precaution.

If you are about to buy a home, discuss this with your REALTOR and requestfor more information.In fact, your lawyer will inform you about title insurance. If not, you have to informyour lawyer that you would like to take title insurance. Title insurance is the mosteffective way of saving yourself if you are subjected to title fraud.

If you are already a homeowner and do not have title insurance, go to the LandRegistry Office and get a copy of the most current title deed of your ownproperty and keep it in a safe place (i.e. safety deposit locker).You can get the address of the LRO in your area from:http://www.cbs.gov.on.ca/mcbs/english/pdf/57PNYL.pdf

If you already own a home and have a medium to small mortgage on it, speak

to your bank account representative and find out if you can convert yourmortgage to a line of credit (at prime rate).If you are a successful negotiator, the bank may offer you or you can convince themto bear the costs of completing the appraisal, doing a title search and convertingyour mortgage to a line of credit. This will result with the bank taking title insuranceand paying the premium for the same.

Once you verify that your title deed is clearly in your name, you should takethe steps to obtain title insurance for your property.Contact a licensed REALTOR (who should provide you information free of cost) toget more information and then through a lawyer you will be able to apply for titleinsurance. More information is provided below in the Q&A section. Contact me or

send me an email if you need additional details.

The one time premium of title insurance can range from $250 to $400 depending on thecoverage. However, it is worth paying this premium and leaving it to the insurancecompany to deal with the matter if you are subject to title fraud. Remember, you will notlose your home eventually, since the insurance company will deal with the fraudulentaction. I am giving below a series of questions and answers relating to title fraud andtitle insurance. The information below has been provided by First Canadian TitleInsurance. In the case of your individual situation, you can call me or email me yourquestion:

Q. What is the range of premiums for homeowners (people who already ownhomes but have not purchased title insurance) and what do those premiumscover?A. Depending on the value of the property and the province in which the property exists,the one-time fee for the Existing Home Owner Policy ranges from $250 $400.


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Q. What is the process for purchasing title insurance for current homeowners?A. Current homeowners should contact their lawyer or notary or call 1-877-888-1153.More information is also available at www.ProtectYourTitle.com

Q. What is the range of premiums for homebuyers (people who are about to buy ahome and may need to purchase title insurance) and what do those premiumscover?A. Premiums vary depending on the province, type of property, the value of theproperty, and the type of transaction (i.e. purchase or refinance). For example, inOntario, for a purchase of a re-sale single family home valued between $200,000 and$500,000, the premium is $299.00

Q. In the unfortunate circumstance that a homeowner (who has purchased titleinsurance) may be a victim of title fraud, how would title insurance help them? A. Title insurance is an effective and inexpensive way to ensure title to your property is

protected. It covers legal expenses related to restoring title as well as compensation inthe unfortunate and rare situation that title is lost.

Q. What steps do homeowners need to take once they are victims of title fraud?A. If the homeowner is title insured, he should contact the title insurer immediately tobegin the investigation process. If the homeowner is not title insured, he should contacthis lawyer.

Q. In all the cases reported in the media of those who were victims of title fraudand who had not purchased title insurance, the first thing is the sheriff evictsthem from their home. They then have recourse to contacting a lawyer and

fighting for their rights.In the case of homeowners who have title insurance, what would be the first pointof action if they are a victim of title fraud? Will they also be evicted?A. If the homeowner is title insured, he/she should contact the title insurer immediatelyto begin the investigation process.This insured homeowner may be evicted if the title has already been legally transferredto the new owners. In any case, the homeowner should contact their title insurerimmediately.

Q. Is there any deductible payable for title insurance?A. There is no deductible payable when an insured homeowner makes a claim to their

title insurer.


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There are several differences:

1) When you are a first time home buyer or seller and are concerned about the entireprocess, do you know anyone who provides you with your very own customizedHome Buying or Selling Plan?When you buy or sell a home through me, I provide you with your very own HomeBuying/Selling Plan, which gives you the detailed steps in the home buying andselling process.

2) When you buy an inexpensive item like a DVD player or a TV, you get a UsersManual. Correct? But, do you know anybody who got their own home manual whenthey bought their current home?When you buy a home through me, I provide you with your very own Home Manual

which provides information on the home, including the roof, windows, heating,electrical, plumbing, etc. This helps you to look after your home better and you knowwhat to do if you have a problem.

3) I provide you with a Performance Guarantee.

4) When you refer me to your friends and they tell you that they will buy a home onlywhen they get a really good job, you can ask them to send me an email and I willsend them The 14 Steps to Getting Your Dream Job.

Relocation Assistance

When you or your friends need to relocate from one city to another or from one provinceto another, I provide a complete relocation package, which includes, but, not limited to: Selling your current home Finding a home in a new location Arranging for movers Providing information on schools, hospitals, shopping, etc. in the new location Other personalized services as requested

Information on Monthly Mortgage Payment and Closing Costs

Very often clients who have tried other REALTORs, have told me that their previousREALTOR did not take the time to provide them with detailed information on monthlypayments (mortgage, taxes, etc.) as well as closing costs. I have therefore decided toprovide that information in the personalized Home Buying Plan to give you an idea ofwhat payments you have to make and thus decide on your affordability. Once you havecompleted the Client Information sheet and the House Data sheet, I can develop aspreadsheet to give you an indication of what your payments are going to be based onthe homes you select. See Appendix C.


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My Profile

I am your dedicated REALTOR. Select "dedicated REALTOR " to find out morewhat it means to you? It means that as my client:

You have access to prompt information when you request it. You get complete support when dealing with the most expensive purchase or

sale of your life, i.e. your home. You get detailed information on mortgage eligibility, closing costs, monthly

payments, marketing strategy, lawyers, movers, home inspection, etc. etc. whichenables you to plan your monthly budget.

You have somebody who understands your needs and concerns and providesconsultation before and after the real estate transaction (as can be verified frommy clients - see testimonials on my website).

I have several years experience in property management, client services, real

estate project management, computer services, mediations, etc. which helps meto service my clients professionally and expeditiously.

I am a member of the community and following are my volunteer services: As Chair of St.Joseph Secondary School, I played a key role in increasing the

number of parent involvement from 5 to 85 and sometimes more. I wasinstrumental in working through the Mississauga Traffic Safety Council toimprove the safety of students, vehicles, pedestrians and general public in frontof the school and within the school boundaries.

As a mentor at Dixie Bloor Community Centre, I worked with mentees todramatically improve their chances of getting a good job by authoring adocument entitled "14 Steps to a Job Interview - Guaranteed". (P.S. If you would

like to receive a copy of this publication, please send me an email) As a Third Degree member of the Knights of Columbus, I was instrumental in

developing a detailed proposal to establish a "Knights Table" in Mississauga tocater to the less fortunate.

Whether you are buying or selling a home, or relocating, hire someone like me,

who wants to earn your business. I invite you to contact me as I'd be happy to

assist you with this important decision.

Testimonials

Very often clients, who have come to me after having worked with other REALTORs,have told me that their previous REALTOR did not live up to their expectations. Hereare a few of the testimonials from my clients:

I found my dream home thanks to the care and patience of Tino. I was looking for theperfect house and I was on a mission to find it. I knew what I wanted, but Tino made ithis business to know it even better. He went beyond and above my expectations of a


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real estate REALTOR. He looked for my home as if it was for his own daughter,mother or best friend. Along the way I met a lot of other REALTORs, and thanked Godevery day that I had Tino. It took me a little time to find the perfect house, but we did,thanks to the care and patience of Tino. I move the end of July and he is still emailing

and calling me to make sure everything is going smoothly for me. He just really cares.What a great person..Gerri Mississauga.

Tino just sold my house in 5 days I will tell you honestly as a sales person I have metsome really #&*@# real estate agents in the past couple of months. Tino truly is agem. G. G, Mississauga.

We would like to thank Tino Sequeira for the wonderfully professional service he

provided us in our quest to purchase our first home. As first time home buyers, we werenot all that familiar with the market, and what exactly was available for us. Tino helpedus make an informed decision by exposing us to the various types of homes available,so that we were aware of all our options. His no-pressure sales approach helped us feelcomfortable that we were making the right decision for the future. Tino was always fullyavailable, even at short notice, to look at prospective homes, and discuss mortgageneeds. Because of his attention to detail, great organization skills, and ability to providechoices, we were able to find the home of our dreams within a weeks time of usbeginning to look at houses! We would not hesitate to use Tinos services again, and wehighly recommend him to anyone wanting to discuss their real estate needs! M& K,Mississauga

" Being first time homebuyers, my wife and I were not only concerned getting the housethat we like but more importantly dealing with the right REALTOR that will really helpus fulfill our dream, We were referred to Mr.Tino Sequeira and we got exactly the qualityservice that we wanted, we became so easily comfortable with him, and got his trust soquickly, he was really proactive by showing us all other details of the location, proximityto schools, church, bus stations and even prices of the other properties sold within thearea. His presence made our decision easier and we got our money's worth.. We wereso happy that we transacted with him and now we are enjoying our new home withpeace of mind. He has provided us with a copy of our very own Home Manual andcontinues to make follow up calls to find out if we need any help in connection with our

home. N.Aquino, Mississauga

I have had the pleasure of working extensively with Tino and have always found him tobe extremely helpful and cooperative. Tino displays a high degree of empathy in dealingwith customers and handles himself in a very efficient and professional manner. I wouldhighly recommend Tino for any position involving client contact and dealing with thepublic. - K.B.Cribbie


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My knowledge of Mr.Sequeiras personal and business qualities emanate from ourfrequent business transactions; I find him to be courteous, dignified, respectful andsensitive to the subject matter at hand, which can be vexatious to the parties.Mr.Sequeira while safe guarding the integrity ., is also flexible and responsive to theenquiries in a quiet, but effective and helpful manner Ernest Reddie

Note: From March 2006, there are new Real Estate laws in Ontario which protect you.

Remember to ask your REALTOR to explain to you those new laws.


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Accurate client information is vital to starting the project. If I do not have accurate information about theclient, including contact information, etc. I will not be able to contact them quickly when the time comes toshow homes or at the time of closing the deal. Further, having the clients basic information houserequirements enables me to prepare the personalized Home Buying Plan.

Contact Date: Source:

Purchaser/s Full Name/s (1): (2)

Current Address:

City: Postal Code:

Home Phone: E-Mail #1:

Work Phone #1: Work Phone #2:

Cell Phone #1:

(This is required to keep in touch for urgent calls only)

Cell Phone #2:

(This is required to keep in touch for urgent calls only)

Work Fax: E-Mail #2:

First time Buyer: [ ] Yes [ ] No CMHC:

Down Payment: $ ______________(This information will enable me to provide you a cost analysis see sample)

Income #1: Income #2:

If you have a car loan/lease, what is the monthlypayment?

$ _______________

Will you be selling your current home?

If Yes, how much is your current mortgage?

[ ] Yes [ ] No

$ ____________________________

Timeframe to purchase home:

Assistance/Information Required:

[ ] Mortgage [ ] Lawyer [ ] Home Inspector

[ ] Movers [ ] Phone Co. [ ] Gas Utility

[ ] Hydro Co. [ ] Cable Co. [ ] Home Manual

[ ] Other: ________________________________

Other Information required:

[ ] Schools [ ] Doctor [ ] Hospital

[ ] Public Trans [ ] Day Care [ ] Emergency Nos.

[ ] Other: ________________________________

Comments:


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This is the equivalent of gathering the requirements in any project. Once I understand my clients needs,I am able to provide them information promptly on properties available.

Have you signed the authorization with a REALTOR ?

If you have answered Yes, is the authorization in force?

[ ] Yes [ ] No

[ ] Yes [ ] No

If you have any school going children, which schoolare they currently going?

Would you like to continue with that school?

School Name: _____________________________

Location: _________________________________

[ ] Yes [ ] No

Type of house you are looking for?

[ ] Detached [ ] Semi-detached [ ] Back-split[ ] Bungalow [ ] Two Storey [ ] FTH [ ] Condo TH

[ ] Condo Apt. [ ] Other: ____________________

Do you have preference for a specific location /

intersection? If so, please elaborate below:___________________________________________

Location: [ ] Mississauga [ ] Brampton

[ ] Oakville [ ] Milton

[ ] Toronto [ ] Etobicoke

[ ] Scarborough [ ]

[ ] Other: ________________

Near: [ ] City Centre [ ] Malls

[ ] School Name: _____________________

______________________________________

[ ] Transit

[ ] Other: ___________________________

Budget price of house: $ Monthly outgoings you expect to pay:

Principal+Interest+Taxes (PIT) $ _____________________

Exterior of house: [ ] Brick [ ] Aluminum [ ] Vinyl Age of home:

How manyBedrooms

How manyWashrooms

When do youwant to move toyour new home?

Lot size Front ________________

Deep ________________

Garage [ ] Must have [ ] Not necessary

[ ] Attached [ ] Detached

Parking for ______ cars

Basement [ ] Finished [ ] Unfinished

[ ] Apartment [ ] 1/2/3 BR

SeparateEntrance

[ ] Yes [ ] Not necessary

Other Information:


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Appendix C A Simple Example of Monthly Payments and Closing Costs


Appendix C A Simple Example of Monthly Paymentsand Closing Costs

An example of closing costs and monthly mortgage payment:

Example only. Check as soon as possible with your Mortgage/Bank Consultant for your specific situation.

Listed Price 250,000.00

Sale Price 245,000.00

Down Payment 5% 12,250.00

Mortgage Amount 239,150.00

Deposit with Offer 10,000.00

Monthly Mortgage Payment:

Principal + Interest + CMHC At 5%** 25Y Amortization 1,390.98

** only for example. Actual rate may be different

Approx. Closing Costs:

Land Transfer Tax 2,175.00

Lawyer fees and disbursements (approx) 1,000.00

Moving costs (approx) 200.00

Balance of down payment 2,250.00

Various fees (CMHC) (approx) 800.00

Approximate Total 6,425.00

Note:1) Based on the above calculations, you have an idea as to the value of the home you can purchase.2) The figures provided in this presentation are only for information purpose. You must contact your

mortgage/bank consultant sooner than later to arrive at your own monthly costs and to get amortgage commitment.

3) Once you have a mortgage commitment, you are able to negotiate a better deal with a vendor.4) Having a mortgage commitment also enables me to show you homes that meet within the financing

criteria.5) Once I know the value of the home you are going to buy, I can endeavor to find those homes in the

area that you are interested.6) Based on the area, I can endeavor to find homes in the vicinity of schools, transport, etc.7) You can therefore help me to help you find your dream sooner than later.8) Each day that passes brings you closer to the date when you have to vacate your current

accommodation.9) Buying a home involves REALTOR s, sellers, lawyers, home inspectors, financial institutions,

transportation/movers, etc. etc. etc.

As your dedicated REALTOR, I will be with you along the way and assist you with the variousformalities, to make your move as smooth as possible.

Please do not hesitate to call me if you have any questions.


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Some Important Phone Numbers

Some Important Phone Numbers

Emergency (Fire/Ambulance/Police):

911Credit Valley Hospital: 905-813-2200

Trillium Health Centre: 905-848-7100

Poison Information: 416-813-5900

Distress: 905-278-7208

Hospital for Sick Children: 416-813-1500

Mississauga Transit: 905-615-4636

GO Transit: 1-888-438-6646Enbridge Consumers Gas: 1-866-343-8427

Hydro Mississauga: 905-273-9050

Dufferin-Peel Catholic District School Board: 905-890-1221

Peel District School Board: 905-890-1099

Peel Police (Non Emergency): 905-453-3311

Reg. of Peel Garbage Collection: 905-791-9499

Mississauga City Hall: 905-896-5000

Pearson Airport: 416-247-7678

Weather Forecast: 416-661-0123

Dentist:

Family Doctor:

Work Number:

Neighbour:

Insurance Company:

Car Mechanic:Cable Company:

Bank:

Courtesy Information: 647-207-8466

2008 home buying and selling guide ebook

Documents