Mississauga, ON

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This information is compliments of:

Betty Bartusevicius, Sales Representative Re/Max Realty Specialists Inc., Brokerage

OFFICE: 905 828 3434

DIRECT: 416 427 1875

EMAIL; betty@bettybart.com

WEB SITE: http://www.bettybart.com/
I am never too busy for your referrals
not intended to solicit buyers or sellers under brokerage contract

Here is a quick look on the questions related to mortgage financing which all the buyers must know.

Mortgage Financing Matters

PURCHASER'S RESPONSIBILITY TO CONFIRM FINANCING ARRANGED:
It is the bueyr's responsibility to arrange any mortgage financing which might be required to complete the purchase. Once the mortgage is arranged, it will be the purchaser's responsibility to:

1. satisfy any special requirements by the lender (e.g. - proof of income, proof of cash down payment, payment of other debt obligations, if required by the mortgage lender, etc.) in order to avoid last minute financing problems on closing day;
2. confirm with the mortgage lender that mortgage instructions have been sent to our law office so that we can finalize processing the mortgage financing and obtaining mortgage funds for closing.

PRE-APPROVAL IN WRITING:
It is highly recommended that if a buyer chooses to seek pre-approval, (before a property is purchased), such pre-approval should be in writing, confirming the terms of the pre-approval and mortgage.

IF USING A POWER OF ATTORNEY:
Mortgage lenders NOW require a copy of the power of attorney document to be used (if any) for a mortgage since mortgage lenders MUST NOW pre approve any power of attorney form being used. Typically, to be approved, the borrower must be an existing customer of the bank OR must have signed the power of attorney document while in Ontario with witnessing done by an Ontario Lawyer.

CONDITIONAL ON FINANCING:
It is highly recommended that if financing is required (whether it has been pre-approved or not), any agreement of purchase and sale should be conditional upon written confirmation of financing terms from an institutional lender.

OPEN/CLOSED MORTGAGES:
Open mortgages may usually be paid off at any time without a penalty. Closed mortgages cannot be paid off before the end of the mortgage maturity date without being subject to a penalty (i.e. the greater of 3 months interest or the value of the difference in interest rates).

ACCELERATED PAYMENT OPTIONS:
Institutional lenders usually offer accelerated payment options in the form of bi-weekly or weekly payment plans that can reduce the duration of the mortgage by paying more towards principal and thereby reducing the total interest cost.

CMHC (CANADA MORTGAGE AND HOUSING CORPORATION) MORTGAGES:
Be aware that if a purchaser is arranging an insured mortgage (where the cash down payment is less than 20% of the purchase price), the mortgage lender (on closing) will deduct certain costs from the mortgage advance. PLEASE CONFIRM with the mortgage lender as to what costs will be deducted (For Example: 8% provincial sales tax on the mortgage insurance premium, appraisal fee, property tax holdback or interest adjustment, if any). For further information contact your bank branch.

Welcome to 3133 Oakview R0ad, Mississauga. Enjoy an oversized 35X12 deck overlooking a 16X32 kidney-shaped pool/landscaping & breathtaking sunsets! New hardwood flooring in living/dining room and family room. Den/office on the main floor! New ceramics in the kitchen, hall & baths! New garage doors & a 40 year roof! Gorgeous finished basement with a custom bar, numerous pot Lights, upgraded broadloom, bedroom, and 3 piece bath. Large cold storage!Main floor laundry with access to the garage. Great commuter access to GO, shopping, and easy highway access.

Pictures for this home to follow at a later date

This home also offers stainless steel fridge, stove, built-in dishwasher. Clothes washer and dryer, central air conditioning, Central Vac, upgraded shutters, window coverings & light fixtures. Mirrored closet doors, Jacuzzi tub in luxury master ensuite. No Wasted Space!Stunning park location with privacy plus!

Contact Betty Bartusevicius for your own private viewing of this property at 905 828 3434 or directly at 416 427 1875
Re/Max Realty Specialists Inc., Brokerage

Contact me by email; http://www.bettybart.com/AgentProfile/contactme.cfm

There is no time like the present to begin your investigations into a property purchase or sale that will lead to sound decision making.

Are you an Owner? If you own property in the Mississauga, Oakville, or Burlington Communities, and you would like to sell your residence, contact Betty Bartusevicius at 905 828 3434 or directly at 416 427 1875 and get a free market analysis.

Are you a Buyer and are interested in purchasing a home in the 905 area code? Contact Betty to receive FOR SALE/SOLD data of neighbourhoods to enable you to make an informed decision and do some comparable shopping.

If you know of friends, family, or colleagues who are thinking about making a real estate move, feel free to pass along my contact information. Know that their real estate needs will be well attended to with kindness and professionalism. Your referrals will be greatly appreciated

Why the Poppy?

All the stories are worth reading and have lot lo learn.

Today, fields of brilliant poppies still grow in France.

A writer first made the connection between the poppy and battlefield deaths during the Napoleonic wars of the early 19th century, remarking that fields that were barren before battle exploded with the blood-red flowers after the fighting ended.

During the tremendous bombardments of the First World War the chalk soils became rich in lime from rubble, allowing 'popaver rhoeas' to thrive. When the war ended the lime was quickly absorbed, and the poppy began to disappear again.

After John McCrae's poem In Flanders Fields was published in 1915 the poppy became a popular symbol for soldiers who died in battle.

Three years later an American, Moina Michael, was working in a New York City YMCA canteen when she started wearing a poppy in memory of the millions who died on the battlefield.

During a 1920 visit to the United States a French woman, Madame Guerin, learned of the custom. On her return to France she decided to use handmade poppies to raise money for the destitute children in war-torn areas of the country. In November, 1921, the first poppies were distributed in Canada.

Thanks to the millions of Canadians who wear flowers each November, the little red plant has never died. And neither have Canadian's memories for 116,031 of their countrymen who died in battle.

Why the Poppy?

Today, fields of brilliant poppies still grow in France.

A writer first made the connection between the poppy and battlefield deaths during the Napoleonic wars of the early 19th century, remarking that fields that were barren before battle exploded with the blood-red flowers after the fighting ended.

During the tremendous bombardments of the First World War the chalk soils became rich in lime from rubble, allowing 'popaver rhoeas' to thrive. When the war ended the lime was quickly absorbed, and the poppy began to disappear again.

After John McCrae's poem In Flanders Fields was published in 1915 the poppy became a popular symbol for soldiers who died in battle.

Three years later an American, Moina Michael, was working in a New York City YMCA canteen when she started wearing a poppy in memory of the millions who died on the battlefield.

During a 1920 visit to the United States a French woman, Madame Guerin, learned of the custom. On her return to France she decided to use handmade poppies to raise money for the destitute children in war-torn areas of the country. In November, 1921, the first poppies were distributed in Canada.

Thanks to the millions of Canadians who wear flowers each November, the little red plant has never died. And neither have Canadian's memories for 116,031 of their countrymen who died in battle.