Professional Home Stagers will help you sell your home faster and for more money. Statistics show that 93% of homes staged sell in one month or less. A fast sale saves your valuable time and eases the tension of selling a home.
Compared to non-staged homes, those that are professionally staged sell 80% faster and receive 3-10% more. This can result in thousands of dollars in your pocket. You keep more of your hard earned equity.
On average, non-staged homes sell in 171 days, compared to 33 for those that used the services of a Home Staging company. In Durham Region and the Greater Toronto Area (GTA), the professionals at Center Staged make this possible. Their Professional Home Staging services provide everything to turn your 'For Sale' into 'Sold'.
Centerstaged.ca provides professional house staging services to the Greater Toronto Area (GTA), Durham Region, Pickering, Ajax, Whitby, Oshawa, Brooklin, Clarington, Newcastle, Newtonville, Courtice, Bowmanville, Scugog, Brock, Uxbridge and Port Perry.
HomesByOwner of Durham Region has the marketing tools for private real estate sales. Our flat fee packages contain everything you need to market and sell your own home. When sold, you pay no real estate commissions or fees. Check out our Durham Region For Sale By Owner real estate website.
In order to buy a home, you will require a minimum down payment of at least 5% of the purchase price. Here are a few options for obtaining the necessary down payment.
A down payment of 20% of the value of the home is called a ‘conventional mortgage’. If this is possible, you can avoid having to pay for mortgage insurance.
As a home buyer, you might require a ‘high-ratio mortgage’. This is necessary when you have less than the 20% down payment. This type of loan is subject to mortgage insurance provided by Canada Mortgage and Housing Corporation (CMHC) or Genworth (GE). An insurance premium will apply.
Check out our Durham Region Homes For Sale website.
When buying a home, you have to take into account the true cost of owning. Some buyers make the mistake of buying the most expensive home they qualify for. There are numerous other expenses that you will need to budget for on top of your mortgage payment. These include property taxes, utilities, insurance premiums and common expenses.
Lenders qualify you on your gross income prior to tax or other deductions.
The percentage of your income most lenders will allow to be attributed toward housing costs (principal, interest and property taxes (P.I.T.) plus heat cost $75-$100/month) is usually 35% of your combined gross income. This is called your GDS (Gross Debt Service Ratio).
When all of your other debt payments are added in (car loans, credit card payments etc.) the total, including your housing costs, should not normally exceed 42% of your combined gross income. This is called your TDS (Total Debt Service Ratio). If your beacon score or credit rating is above 680, some lenders will only qualify you on your TDS of up to 44%.
See Homes For Sale In Durham Region.
Check out our Durham Region For Sale By Owner website.
A Mortgage-Pre-approval is the first step in any real estate purchase. It will determine the amount that you qualify for, a mortgage interest rate commitment for a set period of time, and the terms and conditions of the approval. With this in hand, you can relax when shopping for a home. You can concentrate on selecting the right one for you. Pre-approved buyers are financially qualified to purchase a home.
Choosing a mortgage might overwhelm you. It can appear like a mountain. You need someone that will reduce it to a mole hill and Karen is that person. As your Mortgage Center Agent, she will have Canada’s leading lenders compete for your mortgage. This is done by an electronic bidding process that guarantees you the best available package of mortgage rate and features. With one credit check, she will have over 25 Canadian mortgage companies bid on your business. Her service costs you nothing and because she works for you, not the lenders, she can offer unbiased advice and help you select the mortgage that’s absolutely right for you.
Your pre-approved mortgage will protect you from interest rate hikes up to a 120 day period. Your rate is adjusted if it drops between the time you get your pre-approval and the closing date of your new home. You pay no more than your pre-approved mortgage rate. This alone can save you a lot of money.
Your mortgage pre-approval is just a click away. You can submit your application online. Karen will be notified and will immediately start the process. You are hours away from having your mortgage financing pre-approval.
Karen provides professional service for all of Ontario but specialize in mortgages in Durham Region: Pickering, Ajax, Whitby, Oshawa, Port Perry, Courtice, Bowmanville, Newcastle, Newtonville, Clarington, Brooklin, Uxbridge, Beaverton, Cannington. Plus she can provide mortgage services in the Greater Toronto Area (GTA), Cobourg and Port Hope.
Karen Kot
Mortgage Agent
Lic.#M08000660
Reg. #10231
Check out our Durham Region Homes For Sale private company.
Private list your property on our Homes By Owner website.
Our Durham Region For Sale By Owner blog keeps you up-to-date with the local real estate market.
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Our Durham Region For Sale By Owner company offers flat fee FSBO marketing packages for private real estate sales. Selling privately on HomesByOwner.com means you don't pay Realtors fees.
Sell Your Home. Pay 0% Commission When Sold.
HomesByOwner of Durham Region
905.718.FSBO (3726) -- Toll Free 866.964.FSBO (3726)
I was a top producing realtor in Durham Region for 15 years. So I know Durham Region and I know the real estate business. I could see the For Sale By Owner real estate business experiencing exceptional growth. When I looked at HomesByOwner.com I knew this was what I was looking for. They were established in 1994, making them the oldest FSBO website on the internet. The site gets 50+ million hits a month which makes it the largest. The company has developed a complete set of tools that a home owner can utilize to market their private sale. HomesByOwner of Durham Region has taken these and built some powerful marketing packages available at a very reasonable price. The real estate owner in Durham Ontario now has the option to private list their property on our For Sale By Owner website. We offer homes for sale private with no real estate fees.
HomesByOwner of Durham Region offers flat fee real esate marketing packages. You will not find better value in a For Sale By Owner company. We provide the most quality features for a price not matched in the marketplace. Plus you have the assistance of someone that has 'been there, done that'. Who better to help you sell real estate than someone that has sold hundreds of homes? Learn more about Durham Region Private Real Estate.
Post your Durham Region For Rent By Owner house or apartment on our real estate website. Get maximum exposure for your rental property. You can post up to 5 large photos to show the interior to prospective tenants. Use your 'direct' web address in all your advertising to run smaller ads and save money. Or run them more frequently. Automatically post your listing to Craigslist, the largest non-commercial classified website. Print unlimited feature sheets to hand out. Install our For Rent lawn sign that displays your phone number and web address. Plus more.
Our Durham Region FSBO website provides marketing for private real estate sales in Oshawa, Whitby, Ajax, Pickering, Brooklin, Clarington, Darlington, Claremont, Bowmanville, Courtice, Newcastle, Hampton, Blackstock, Region of Durham, Mitchell's Corners, Scugog, Port Perry, Manchester, Durham, Brock, Cannington, Seagrave, Beaverton, Uxbridge, Tyrone, Newtonville, Durham Ontario, Burketon, Raglan, Lake Simcoe, Utica, Greenwood, Goodwood, Sunderland, Myrtle Station, Prince Albert.
For more information, check out our Durham Region For Sale By Owner / For Rent By Owner website. Why pay hundreds or thousands of dollars for something you can do yourself? Join the private sale revolution.
Why not? There are many reasons why you might want to sell your own home. Homes for sale by owner is booming in Canada. Approximately 25% of residential real estate sales are now conducted on a private sale basis. It is estimated that this number will grow to 50% within the next 3-5 years.
HomesByOwner of Durham Region provides as part of its service a 'Peace of Mind' Private Sale Guide. It contains tips and instructions to sell your own home. Included in the package is information to assist with your offer preparation. Working with your buyer to put an agreement together will not even be an issue. We have made it problem free. All this information has been provided by an ex-realtor. Sellers have 15 years of experience in the real estate business to guide them through the home selling process.
We go an extra step to help private sales. Buyers can use our support line for questions and help when purchasing a listing on our Durham Region FSBO website. No other For Sale By Owner company offers this service. We do because we want your home sold quickly and problem free.
Check our For Sale By Owner website how to Sell Your Own Home in Durham Region.
It is unbelieveable how effective your private list real estate company is. I listed my house on your website and paid $129 for one of your packages. IT SOLD IN 9 DAYS!! I SAVED $12,000 IN REAL ESTATE FEES!! I still cannot believe it. The buyer told me they found the house by one of the directional arrows you installed down the street. They took my web address off the sign and viewed my listing on their computer. That sold them. Thanks again for all your hard work. I can honestly say you worked harder for me than real estate agents I have had sell my homes in the past. I told some guys at work about my experience. You will be hearing from them in the future. Thanks again for everything. I will certainly recommend your homes for sale private service. Bruce R.
The same day I ordered your advertising package, you delivered the signs. We thought we would have to wait longer. We enjoyed selling our home ourselves. This was our first time, and although we were a little apprehensive, everything worked out fine. There was no tention meeting and showing the home to buyers. We will always sell our home ourselves from now on. We saved enough commission to pay cash for a new car. WOW!! Thanks for the excellent service, HomesByOwner. Brian T.
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A friend at work sold her home privately last year. So, after hearing her success story, I decided to try as well. Being on my own, I wondered if I was making the right decision. It was a piece of cake. I met some of the nicest people and everything went smooth. I sold through a real estate agent 10 years ago, and I was always on edge wondering what was going on with my sale. You guys gave me the tools to do it myself, and I don't have any regrets. My lawyer helped with the offer. Thanks for the excellent marketing system. I will recommend you to everyone I know. Linda G.
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My husband wanted to try the For Sale By Owner route to sell our home of 28 years. Boy, was I scared! After 6 weeks, we had an offer for exactly what we were asking. I can see I was making a mountain out of a mole hill. The only time I heard my husband complain was when he had to cut the grass and manouver around the for sale sign. We are using some of the commission we saved to go on a cruise this winter. Bob and I cannot thank you guys enough for the uncomplicatd system for us to market our home. Bob and Judy L.
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When my husband and I decided to sell our home, we talked to a few real estate agents. We could not get the answers to our questions we wanted to hear. So we decided to try selling on our own. Our neighbour tried last year, and sold privately in 8 days. From the time we put up the sign with our web address on it, we had a buyer in 6 days. And we thought we would be in for the long haul. And know what we did regarding the offer? We got out the one from when we bought the house. We found the paperwork to be very simple to work with. We saved over $18,000 in commissions. What is so difficult about selling a home? Thanks for all your help, HomesByOwner of Durham Region! Janet B.
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HomesByOwner of Durham Region had what we were looking for. The package we selected marketed our property beyond our expectations, and at a cost less than what we expected to pay. We saved $12,031 including GST. Thanks HomesByOwner. You guys are great! Jennifer G.
Private list your real estate at Durham Region Homes For Sale By The Owner Website
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Your service was great to rent our property. We had fun building our listing on the website. Within 24 hours we had 3 calls. They all mentioned what a professional job we did of presenting the home. Also having our web address on the lawn sign helped in supplying information. Anyway, we had an excellent tenant signed up in 4 days. We will not hesitate to use your service again when we are looking for another tenant. Thank you. Joan and Bob L.
Visit our Durham Region Apartments And Houses For Rent By Owner Website.
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I decided to take a minute to thank you again for your excellent service. I also want to tell everyone that reads your blog about my experience selling privately. As you recall you came to our home, gathered all the details of our home and took pictures. The following weekend we had an open house each day. On the Monday, 8 days after being listed on HomesByOwner.com, we had 2 offers presented to us. We ended up getting 99% of our asking price. Some may ask, '99% of what"? We had some real estate agents give us a market evaluation of the property. So our asking price is what a realtor would have listed it at. We saved $15,000 in real estate commissions. Thank you for your professional service. Your system for private real estate sales works great. Joanne K.
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I just wanted to take a minute and thank you for everything you have done for me so far. Although I just posted my home on your for sale by owner website, I am very impressed with your professionalism. I also want you to know that the amount of work you have contributed has not gone unnoticed. Within 24 hours of my home being posted on HomesByOwner.com, I received 2 phone calls. Wish me a quick sale! Richard W.
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I listed my private sale home on your For Sale By Owner website last week. Although it has not sold yet, I am getting some calls. I also notice that I am averaging around 40 hits a day on my ad. The real reason I am writing this testimonial is that I want to thank you for the professional approach you have taken to help me sell my home privately. I was a little apprehensive to shell out money for this service. I did some research and found there are other FSBO companies out there, but none had the real estate background that you have. I notice that when I ask a question, there is no hesitation in providing an answer. Knowledge of marketing is one thing, but to deal with someone that has years of experience selling real estate is icing on the cake. Thanks again and I am sure I will get a quick sale with the help of HomesByOwner.com. John R.
List your Durham Region property on our Private Real Estate website.
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I wonder why real estate agents charge so much for something you can do yourself. I saved $27,000 in real estate fees. The last time I used an agent, I paid them $18,000 just to list my home on MLS. They never advertised it or have any open houses. I spent $400 in ads and had 2 open houses. I got a buyer in 5 weeks. Does it not make sense to make an effort to sell private? You will never convince me otherwise. By the way, thank you for all your help. I learned a lot about the real estate business from you. You will have some referrals coming your way. Jackie A.
Learn more about Private Home Sales.
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We listed our home on your for sale by owner website. We anticipated that it would sell in 2-3 months. We got an offer in 6 weeks that we accepted. Thank you for all your help. We will certainly use your service next time we sell. Brian and Amanda L.
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Selling my home privately scared me at first. After we talked, I was relieved that it was something I could do without any complications. Your 'Peace of Mind' Private Sale Guide provided all the information I needed. What really surprised me was that you answered the phone everytime I called. I sold my home in 9 weeks, but it was worth it. I would have paid $16,419 in realtors fees. It was certainly worth the effort I put in. I will do it again when I sell my next home. Thank you for your assistance. Sherry B.
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We had heard so much about the for sale by owner method to sell a home, we decided to explore it further. After talking to you, we decided to use your HomesByOwner.com company to sell privately. Within days of the sign being installed on our lawn, we had a few calls. We were very surprised when an offer came in after being on the market for only 11 days. This was so simple, we will never use a real estate agent again. The savings of $14,790 was well worth our time spent. You will be hearing from us again in the future. Thank you for your help. Brad and Jackie A.
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Your company provided everything we needed to sell our home quickly. Our calculations showed had we accumliated everything you provide, it would had cost us 10 times what you charge. We are happy with your company and the success of our sale. Thank you. Terrie and Sam W.
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We were recommended to your company by a friend that sold their home on your website. Right from the start, we were impressed with the service we received. You set everything up for us and portrayed our home the way we see it. We sold our home in 6 weeks, which was what we had estimated that it would take. Thanks again for all your help. You will have some referrals coming your way. Joan & Thomas P.
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