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You made it a pleasant time...
Selling a home can be such a stressful experience, but gladly it was not at all.
– Hon Keung & Lai Kee Fung
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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free.  Are you thinking of selling your Toronto, Markham and Ajax home? You should know exactly what it's worth before making such an important decision. Let us do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. As top real estate agents, we determine the value of Toronto, Markham and Ajax, Ontario area homes daily. Using the information you provide below, we can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market. Remember, market conditions can be different, even one Toronto, Markham and Ajax neighborhood to the next. We know how to take all these factors into account when determining the true market value of your home. This service is completely free and without obligation. There are absolutely no strings attached. Why? We want the chance to show you our expertise as top Toronto, Markham and Ajax real estate agents. Please provide us with some basic information on your home. What's your home or property really worth? Accurately pricing Toronto, Markham and Ajax real estate is our job! Let us do a market analysis for YOUR property. There's no obligation, it's FREE, and we promise to get back to you quickly...
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
Who is "Freddie Mac", and why is he a big name in real estate?
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| A |
"Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans. |
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