Kirk Rickman

Stop Throwing Your Money Away on Rent!

Now is the time to buy. It virtually costs the same to buy a place as it does to rent these days. Stop throwing your money away and let us show you how to build up your equity.

We are dedicated to helping people move from renters to homeowners by providing information on what to look for in a home, how to afford a home, and we give advice and strategies that have been successful for us.

Before you work with any Realtor, please give us a call so that you can see how we compare! Call 416-298-8200 and ask for Kirk Rickman or Victoria Carter of Century 21 Percy Fulton Ltd. Brokerage today.

Is This The Market For You To Buy?

Because you're reading this, I know one thing about you... you are ready to start the exciting, but frought with potential danger, home buying process! There's a lot to think about and consider these days. What will the Toronto real estate market do in the next 1-2 years? Are prices going to fall and should I stay renting? That's why we would like to meet with you as we will educate you about the home buying market in Toronto, how the process of purchasing a house or condo works in a 'neutral' market (finally)and help you avoid making serious mistakes that could cost you thousands of dollars.

Avoid Making Serious Home Buying Mistakes... Many Toronto house or condominium buyers have many fears and concerns when they start thinking about purchasing their new home. There's the neighbourhood to consider and how to buy in the right price range so they won't 'drown' in a mortgage payment. Some buyers are concerned about what hidden costs there are when you purchase a home. Others are afraid of not being able to keep up the mortgage payments or losing their job. Obviously there are many benefits to getting away from a rental situation or living at home... stop wasting money paying someone else's mortgage, improving their living environment and space or perhaps a move closer to work.

Often the goal is to final start building an asset... still possible even when the appreciation rate is slower than it has been in recent years! Before you start actually looking for the home that you want to buy, you should get educated! Find out how the home buying process really works, learn how to "hire" a Buyer Agent, find out why getting a full pre-approval for a mortgage before starting to look is the smart thing to do. Only then should you actually start going out with a Realtor to view potential houses or condominiums which might fit your needs!

Here's What You'll Discover from Kirk and Victoria

•How to best begin your home search to save you time, money and worry

•How to avoid buying a "money pit" and ways to spot the possible signs that could mean expensive, hidden trouble

•The critical questions to ask a Realtor before you "hire" him or her to be your Buyer Agent and represent you for what will likely be the biggest single purchase of your life.

•The easiest and most accurate way to find out what you will get for your money in today's Toronto housing market

•The formulas that financial institutions use to qualify you for a mortgage so that you can 'crunch your own numbers'

•Why a verbal or written "Quick Qualifier" from a bank is not enough to guarantee that you can actually get a mortgage... and what you should get instead

•What three critical things you should do ahead of time to give you the edge in a multiple offer situation

•How to decide how much you can afford to pay for house or condo expenses on a monthly basis •How to easily and confidently chose the right home for you when you're out viewing properties and how you'll be able to decide how much to offer to avoid overpaying

•Find out why using the listing agent to represent you is a definite conflict of interest... and why using the listing agent could result in you overpaying by several thousands of dollars. Learn the three critical reasons why you should avoid buying a home from the listing agent like the plague!

•Zero down payment options (yes there still are some available) AND why getting a 'Quick Qualifier' from a mortgage lender is not enough when arranging your mortgage financing. How to create a down payment even if you haven't saved a penny so far

•A detailed breakdown of closing costs you could expect to pay as a first-time buyer OR if you're buying your second home •And finally... discover how to use free money from the Government to save thousands when you buy your first home, and what you can use this money for. You'll even learn the tips and techniques to use to get actual cash back from the Federal Government and from the lender at the same time. In Our Current Toronto Market, There's Even More Things You Need To Know!

Here's a short list of what else you'll learn...

•The important definitions that relate to home purchasing so that you're able to speak the language to all the parties involved (buyer agent, mortgage lender, lawyer, home inspector, etc)

•A complete explanation of Buyer Agency... what a Buyer Agent should be doing for you in the transaction, how they get paid, why some agents are NOT motivated to get you the best price and what one extremely important question you should ask BEFORE signing any buyer agency contract

•What happens at a Buyer Consultation and what the pitfalls are if your buyer agent does not take the time to have one with you

•The difference between how much you can afford to pay and how much you want to pay monthly for house or condo expenses. Don't get caught eating Kraft Dinner every night so that you can pay your monthly mortgage!

•The specific benefits of filling out a 'Wish List' before you start looking at houses or condominiums to help you focus on and decide what type of home suits your lifestyle best

•Learn how to calculate 'Fair Market Value' and avoid overpaying even if you've fallen in love with the property •What happens at a Mortgage Consultation... learn what your mortgage options are and how you can negotiate the absolute best rate

•What does the home inspector do? Why can some of them be a major liability to you? What should you be doing while the home inspection is going on?

•Hear real life examples of how the offer presentation process really works... what conditions in your offer are different between a house and a condominium and what $$ deposit you need when you present your offer

•Find out what lawyers do during the real estate transaction and when you need to get one involved in the process

•Once your offer is accepted, what needs to happen next... when do you assemble your down payment and when and where are all the documents signed?

•We will show you how to pay off your mortgage faster.

Call Kirk Rickman and Victoria Carter today at Century 21 416-298-8200

WE WANT your listing!

Do yourself a favor. Interview us, Victoria Carter and Kirk Rickman from Century 21 Percy Fulton (416-298-8200) for your next purchase or sale of your house. Compare our Realtor services to others who are out there. You have nothing to lose by finding out what advantages you will have by listing or buying with us.

Sellers! Money is not paid up front for our services... you have nothing to lose by listing with us right away! When we complete the sale of your house, we will give you a $500.00 gift card to use for whatever you like.

Buyers! When you do complete a purchase of a house we will hand you a $500.00 gift card! If you buy and sell, you will receive $1000.00 of gift cards!

ALSO, we grant you airmile Reward miles! 40% off Certificate for the BRICK! We even give you 8 hours of free physical labor! You may win a trip for 2-8 people; part of our commission goes to Easter Seals as a donation; and of course the bonus gift card.

Look what else we will do for you!

Consultations: We will walk you through the entire process of selling and buying your home as each step occurs.

MLS: You will be placed on the most powerful search engine for real estate. Everyone will have access to your home on the internet before actually visiting it. People will be able to narrow down their choices to YOUR house!

Photos: You will have nothing but the best quality photos displayed. We will take endless pictures and even post up to 21 of your best pictures online!

Communication: You will get ongoing communication. There are 2 professional Realtors who will be on call to YOU whenever you need us. We will always let you exactly what is happening with your house, and we will keep you updated regularly.

Website: Your house will be featured on our website: www.TwoMoveYou.com

Advertising: We have aggressive advertising in place: MLS, many popular search sites online; print newspapers; local realtor magazines; teacher advertising; and online Ads.

Professionalism: Your house will be handled professionally at all times. You will receive notification of when people are coming to look at your house; you will have a professional lawn sign; and a professional brokerage looking after your needs.

Open Houses: Arranged open houses will happily be provided to you. Each open house is done with style and flair to make your house stand out in the minds of others.

Feature Sheets: All professionally laid out, printed, and copied. Show your friends!

Virtual Tour: A virtual tour will be provided on MLS!

Staging Consultation: Specific ideas are given to you in order to make your house show its' best. We even help you with some of the work!

Do you see something missing from another Realtor's service? Mention it and we will include it for you!

We offer a lot of great extra services for our clients, and I was just wondering what special added bonuses everyone out there gives THEIR clients?

Some of the things that we offer are Airmiles, 8 hours of Handyman services; free staging; a free CMA...

Kirk.