Sham Pathania www.greatgtahomes.com

Incidently, I have been dealing mostly with the Buyers. But right now, I really need some good listings.

Just Sold and the closing is by month end !

I have three buyers looking for detached homes in Mississauga or Brampton, but do not have the any listing matching thier requirements. Realtors store is low on inventory because of surge in buying. The last two months have been very active and hot.

Thinking of Selling your Home ! Serving Region of peel, its your Realtor Sham Pathania. Visit my website www.greatgtahomes.com for MLS listings and search MLS properties in your desired area.

If you have any questions related to real estate and if you are seeking an assistance in selling or buying a real estate property in Brampton, Mississauga, Milton,Oakville, Caledon, Etobicoke or anywhere in GTA area, you may conact me at 416-562-8417. Ask For a FREE complimentary market evaluaton of your property.

If you are looking for a house and you have a particular School in mind, you must look for these MLS listings with school information

As the inventory level goes down, I am having a tough task helping my clients.

Hoping to see few good listings soon.

Serving Region of peel, its your Realtor Sham Pathania. Visit my website www.greatgtahomes.com for MLS listings and search MLS properties in your desired area.

If you have any questions related to real estate and if you are seeking an assistance in selling or buying a real estate property in Brampton, Mississauga, Milton,Oakville, Caledon, Etobicoke or anywhere in GTA area, you may conact me at 416-562-8417. Ask For a FREE complimentary market evaluaton of your property.

If you are looking for a house and you have a particular School in mind, you must look for these MLS listings with school information

Five new French Immersion schools have been approved by the public school board.

Next September, French Immersion classes will be held at Rowntree and Worthington Public Schools in Brampton and Edenrose and Ridgewood Public Schools and Edenwood Middle School in Mississauga. Peel District School Board trustees approved the plan at their last regular meeting.

Also approved was community consultation on reorganization of French Immersion programs at Mississauga's Hillcrest and Whiteoaks Public Schools. Brampton's Agnes Taylor Public School and Mississauga's Credit Valley, Plum Tree Park and Oscar Peterson Public Schools will be monitored for possible opening of new French Immersion sites in 2011.

Springdale, Brampton east and west will be monitored annually, along with Southeast Mississauga, for French Immersion enrolment growth. High schools will also be watched for growth changes.

Special parent information evenings at all French Immersion schools are scheduled for Nov. 25, at 7 p.m. The deadline to register for French immersion programs next year is Jan. 29, 2010.

Serving Region of peel, its your Realtor Sham Pathania. Visit my website www.greatgtahomes.com for MLS listings and search MLS properties in your desired area.

If you have any questions related to real estate and if you are seeking an assistance in selling or buying a real estate property in Brampton, Mississauga, Milton,Oakville, Caledon, Etobicoke or anywhere in GTA area, you may conact me at 416-562-8417. Ask For a FREE complimentary market evaluaton of your property.

If you are looking for a house and you have a particular School in mind, you must look for these MLS listings with school information

HELOC - Not always bad!

A Home Equity Line of Credit can be good or bad depending on how you use it. There are 10 things savvy home owners should look for when considering a Home Equity Line Of Credit:

1) No HELOC application fee or at least the fee should be refunded at closing. If your lender assesses an application fee, make sure it's refundable at closing.

2) No home loan appraisal or closing costs - there are plenty of no-cost options available that you shouldn't have to pay a HELOC appraisal fee.

3) No HELOC account maintenance or check-writing fees - Lenders already make money when you write checks (read - borrow) on the home equity credit line. If your lender tries this, dump him!

4) No "usage" fees - Apparently, HELOC lenders don't approve of the notion that a homeowner may want to have a HELOC as an emergency "reserve" account. Definitely look for a lender that does not charge this type of fee.

5) Variable APR equal to or near the prime rate (adjusted quarterly) - Interest charged on the balanced borrowed should be the only cost involved with a good home equity credit line!

6) Periodic cap on interest rate changes (the amount that the rate can be changed at one time) - Look for a Home Equity Line of Credit that adjusts quarterly (rather than monthly) in increments of 0.5% or less.

7) Lifetime cap on rate increases (the amount that the rate can be adjusted over the loan's life) - You'll want to find a HELOC loan with a lifetime rate cap that you can live with. Ask your loan officer to clearly spell out the "worst case" scenario for HELOC rate increases!

8) Ability to convert to a fixed rate loan - When rates do rise, people often get skittish about their variable-rate debt. A useful feature to look for in a HELOC loan is the ability to convert the line of credit to a standard fixed-rate, fixed-term home equity loan.

9) Interest-only payments allowed - Get this option but only use it if you need to! It's always best to pay down the principle, not just interest!

10) Unrestricted ability to repay principal without penalty - You should be able to pay off the Home Equity Line of Credit at any time without paying extra!

Enjoy these ten basic tips and now, more than ever, be careful! There are a lot of shady deals out there and if you don't take your time reviewing the fine print, it will come back to bite you!

Serving Region of peel, its your Realtor Sham Pathania. Visit my website www.greatgtahomes.com for MLS listings and search MLS properties in your desired area.

If you have any questions related to real estate and if you are seeking an assistance in selling or buying a real estate property in Brampton, Mississauga, Milton,Oakville, Caledon, Etobicoke or anywhere in GTA area, you may conact me at 416-562-8417. Ask For a FREE complimentary market evaluaton of your property.

If you are looking for a house and you have a particular School in mind, you must look for these MLS listings with school information.

The new law will be effective from Monday and will ban Handheld device and cellphones i.e. tomorrow the oct 26, 2009 in Ontario.

The provincial ban on the use of handheld devices while driving will take effect on October 26, 2009.

The new law will make it illegal for drivers to talk, text, type, dial, or email using hand-held cell phones and other hand-held device, communications and entertainment devices (All drivers may use hand-held devices to call 9-1-1). Hands-free devices will still be permitted. The new law also prohibits viewing a display screen unrelated to the driving task such as laptops or DVD players while driving.

To know more read my blog at:

http://activerain.com/blogsview/1267988/hand-held-devices-ban-begins-october-26-ontario-canada

Serving Region of peel, its your Realtor Sham Pathania. Visit my website www.greatgtahomes.com for MLS listings and search MLS properties in your desired area.

If you have any questions related to real estate and if you are seeking an assistance in selling or buying a real estate property in Brampton, Mississauga, Milton,Oakville, Caledon, Etobicoke or anywhere in GTA area, you may conact me at 416-562-8417. Ask For a FREE complimentary market evaluaton of your property.

If you are looking for a house and you have a particular School in mind, you must look for these MLS listings with school information.