Mississauga Real Estate

Agnes Gabiga, ReMax Professionals Inc. Brokerage
 

Agnes Gabiga

Sales Representative
Kingsway Real Estate Brokerage
151 City Centre
Mississauga, Ontario
L5B 1M7

Bus: 905-268-1000
Cell: 416-996-1224
Fax: 905-277-0020
agnesgabiga@yahoo.ca

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Real Estate Terms

Broker: A person licensed by the provincial or territorial or state government to trade in real estate. Real estate brokers may form companies or offices, which appoint sales representatives to provide services to the seller or buyer, or they may provide the same services themselves. In some areas, brokers are referred to as agents.
Debt-Service Ratio: The measurement of debt payments to gross household income which may include, in addition to the main wage earner's salary, salaries of other wage earners, commissions, bonuses, overtime, etc.
Real Estate Board: A non-profit organization representing local real estate brokers/agents, salespeople, which provides services to its members and maintains and operates a MLS® system in the community.
Condos and Homes for Sale in Ontario by Agnes Gabiga
Mortgage, Rate and Payment Options PDF Print E-mail
Tips - For Buyers

Courtesy of your Scotiabank Mortgage Specialist  Chris Maxwell-Smith

Choosing a mortgage is a big step. The range of options may seem confusing, but we will work together to make a choice that provides affordable payments today and flexibility for the future.

If you want to know exactly what your interest rate and mortgage payment will be over the term of your mortgage, you might consider a Fixed Rate. The key benefit is that your rate is fixed for the term of your mortgage and your payments will not increase if interest rates rise.

 
Real Estate - HIGHLIGHTS OF THE WEEK from TD Bank PDF Print E-mail
News - News

First quarter U.S. real GDP growth came in at 3.0% Q/Q (annualized), slightly below expectations.

• U.S. consumer confidence in April shot up to the highest level seen since March 2008, marking the sixth increase in seven months.

• Personal income advanced 0.4% M/M in April, while personal spending was flat on the month.

New home sales surged 15% in April, sending inventories down to 5 months supply; existing home sales jumped 7.6% on the month, but inventories managed to rise to 8.4 months supply. 

• S&P Case-Shiller Home Price Index was flat in March, though prices are sitting at 2.3% above year ago levels.

 
Selling your House, How much should I ask for when selling a property? PDF Print E-mail
Tips - For Sellers

What is a listing agreement?
The process of selling a home with a REALTOR starts with the Listing Agreement. It's a contract between you and the brokerage company that the agent represents. It is a framework for subsequent forms and negotiations. It's important the agreement accurately reflects your property details and clearly spells out the rights and obligations of all parties. Both you and the listing agent sign the listing agreement and each receive a copy. The agreement binds both parties to its terms and conditions.  

What is the main idea about this agreement?
Generally, in the agreement you appoint the brokerage company as your agent and give its representatives the authority to find a purchaser. The duration of the agreement is indicated, and the compensation is specified.

 
New Government guideline: Vacation and Secondary Properties PDF Print E-mail
News - News

Government guideline changes only refers to those properties which are non-owner occupied and are declared as a rental property.

Transmitted by CNW Group on : May 31, 2010 06:00

Canadians pursuing recreational property for lifestyle, despite tax concerns and stricter mortgage rules

National opinion poll shows condominiums increasingly popular choice for a second home

TORONTO, May 31 /CNW/ - Almost half of Canadians considering buying a recreational property will do so to improve their lifestyle, despite concerns about increasing taxes, rising interest rates and new regulations that require higher down payments on second homes, according to a nationwide survey of Canadian attitudes towards recreational property ownership conducted by Angus Reid and commissioned by Royal LePage Real Estate Services.

 
Buying a House, Why should I use a real estate salesperson? PDF Print E-mail
Tips - For Buyers
What is the difference between a real estate agent and a real estate broker?
The person you normally deal with is a real estate agent or salesperson.  The salesperson is licensed but must work for a broker.  All listings are placed in the broker's name, not the salesperson's.

Why should I use a real estate salesperson?
A real estate salesperson is more than just a "sales person."  They act on your behalf as your agent, providing you with advice and guidance and doing a job - helping you buy or sell a home.  While it is true they get paid for what they do, so do other professions that provide advice, guidance, and have a service to sell --such as Certified Public Accountants and Attorneys.

 
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Toronto Real Estate News

  • Toronto Home Prices Up 8% in 2011
    Greater Toronto Realtors reported 4,718 transactions through the TorontoMLS® system in December 2011. The December result capped off the second-best year on record under the current Toronto Real Estate Board (TREB) boundaries. Total sales for 2011 amounted to 89,347 –...
  • Toronto Market Healthy in November
    Greater Toronto Realtors reported 7,092 residential transactions through the TorontoMLS® system in November – up 11 per cent in comparison to November 2010. At the same time, the number of new listings was up by 14 per cent in comparison...
  • Toronto Home Sales Up 13%
    Greater Toronto Realtors reported 3,379 transactions through the TorontoMLS® during the first two weeks of November. This result represented more than a 13 per cent increase compared to November 2010. New listings were up 16 per cent over the same...
  • Home Sales Remains Brisk in October
    Greater Toronto Realtors reported 7,642 home sales through the TorontoMLS® in October 2011. This represented an increase of 17.5 per cent compared to the 6,504 transactions reported in October 2010. Monthly sales data follow a recurring seasonal trend that should...
  • Toronto sales and listing show growth
    Greater Toronto Realtors reported 3,477 transactions through the Toronto MLS® system during the first 14 days of October 2011. This total represented a 20 per cent increase over 2,890 sales reported during the first two weeks of October 2010. Year-over-year...