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Helpful Hints When Planning to Buy A New Home
Posted on Tue, 30 Apr 2019, 10:40:00 AM  in Home buying tips

When you start browsing the market for new homes for the first time, it is vital for you to prepare for the process. This means taking the time to not only research your available home options, but also prepare for any potential contingencies that you may encounter. If you are interested in entering the market for the first time, it can be a good idea for you to plan ahead according to your needs. Think about some of these tips, and see how they can help you plan.


Pay Off Your Debt

One of the most important things for you to do to get started is to pay off all of your debt. Owning a house is often described as one of the most expensive experiences in a person's life, and knowing that you will have monthly house payments to pay on top of your existing debt may cause problems for you in the future. Add on maintenance and potential upkeep costs, and you may find yourself struggling. Do all of the math as early as possible before shopping.

In addition to paying off your debt, consider building up an emergency fund as well. The emergency fund should consist of roughly three to six months of planned expenses. This type of fund is vital because it can provide you with a degree of comfort against potential issues that may arise. With the fund, you will know that you are covered in the event of an emergency, and any number of things may happen during the home ownership process.


Determine Your Actual House Expenses

It can be easy to fall in love with a house and not know how to proceed. In order to plan ahead as best as you can, it can be a good idea to sit down and determine how much you can actually afford for your home. Check your monthly budgets and how much money you have saved up. Make sure that you plan for the long-term as far ahead as you can, as there are numerous additional monthly housing costs that you may not be aware of. These include things such as HOA fees, insurance, taxes, and more.

Speak with a professional to learn more about your options. One rule of thumb is to think about how much you bring home a month and focus a quarter of that towards monthly house payments. If you do not have many other payments that you make, you may actually consider expanding on this number. Every individual's situation is unique, so be sure to plan accordingly.


Save for Down Payments and Closing Costs

It can be difficult to plan for your down payment, but always strive to have at least 20 percent of the home's payment covered as a down payment. This will not only help you with your loan from the bank, but it can also allow you to cover a significant portion of the home's costs in the first place. This will allow you to plan for your monthly payments in a much more efficient way.

Planning for closing costs can be tricky as well. This is particularly difficult for first-time homeowners because you need to plan for at least three to four percent of the home's final price. Closing costs will entail a number of different considerations. You will need to have an appraisal done, a home inspection, and a credit report.


Though all of these things may seem difficult to keep track of, it can be easy with the help of a realtor. A capable professional will be able to keep you focused and help you transition from one step of the buying process to the next.

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Choosing a Townhouse or a Detached House
Posted on Fri, 15 Mar 2019, 10:45:00 AM  in Home buying tips

One of the first decisions you need to make as a home buyer is whether a townhouse or detached house is the right choice for you. No one type of property is ideal for everyone. Instead, before you make your decision, you should think carefully about what type of home will best fit your lifestyle. Both townhouses and detached houses are available in a wide range of styles and prices, but the ownership experiences can be quite different. The sections below describe some of the major differences between townhouses and detached houses.Choosing a Townhouse or a Detached House


Homeowners Associations and Covenants

Townhouses are part of a community, usually with a homeowners association and various rules and regulations. If you own a townhouse you may need to pay HOA fees and follow various community guidelines. Even if you are not part of a planned community, you may still need to share decisions with the neighbors with whom you share walls. Often HOA rules restrict the color you can paint your house, landscaping, whether you can park RVs in your driveway, and other choices. Some single family homes also are part of communities with HOAs but other are not. Although HOAs often maintain various amenities and sponsor events for residents, some people may find HOAs intrusive.



Although you can find small detached houses and large townhouses, in general, townhouses tend to be slightly smaller. Also, if you need more room, you can often enlarge a detached house but not a townhouse. If you have or plan to have a large family, with several children and perhaps parents as well all living under one roof, a detached house may be a better choice. On the other hand, a single person or couple without children or with only one or two children may prefer a townhouse.


Yards and Outdoor Spaces

Townhouses tend to have small, low-maintenance yards. If you hate yard work and just want a small patio where you can enjoy an occasional summer evening, a townhouse is a good fit for your lifestyle. If you enjoy gardening, have children or pets who like to play outdoors, or like to host outdoor parties such as backyard barbecues, the larger yards of detached houses might be a better fit.



When you live in a townhouse, you share one or two walls with neighbors. This means that a townhouse will be somewhat less private than a detached house. It also means that your neighbors' lifestyles are more important for townhouse buyers. While townhouses in retirement communities tend to offer peace and quiet, if you are near a university, your neighbors might be a group of four or five students who enjoy late night parties.



If you own a detached single family house, you are responsible for every aspect of maintaining your home. You need to deal with snow removal, driveway repairs, roofing, landscaping, and exterior painting. You usually need to arrange to garbage service as well. If you choose a townhouse, many of the exterior maintenance tasks are covered by your homeowners association.


Choosing for Your Lifestyle

Some people will be equally happy in townhouses or detached houses. If you want a large yard, have a big family, or value complete privacy, a detached house may be a better choice. If you want a low maintenance house, are single or have a small family, or want the most house for your money, a townhouse may be a better fit for your lifestyle.

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4 Ways to Simplify the House-Hunting Process
Posted on Fri, 15 Feb 2019, 11:10:00 AM  in Home buying tips

Buying a home is often viewed as intimidating and time-consuming. The truth is that the search for a new home can go smoothly if the process is well-planned and thought out. Always do your homework before going on the hunt for a new home, and remember to have a little fun. Below are some tips that you can use to make the process less complicated.4 Ways to Simplify the House-Hunting Process


Get Conditional Approval for a Mortgage Loan

Conditional loan approval means that the lender agreed to process the loan after reviewing your application, financial records, and other supporting documents. However, there may be certain conditions the credit is subjected to, such as the actual appraisal and verification of your assets.

Getting pre-approved for a loan allows you to search for homes within your budget, instead of focusing on properties that are priced too high. When you search for houses that are within your pre-approved price range, finalizing your loan application could go a little faster and more efficiently, opposed to starting the house-hunting process without being pre-qualified for a mortgage loan.


Do the Research

One of the most important decisions you will make in your life is purchasing a new home, so you want to put in the time and effort to make the best investment possible. Develop a list of what matters to you the most, in terms of a new home, and start researching based on your preferences.

Researching also includes going to visit the property in-person. Pictures can be staged, but touring the property allows you to get a good look. Once you envision yourself living in the home, you should also tour the neighbourhood. Take a look at how active the community is by visiting local businesses and listening to what residents have to say.

Do not slack on the researching aspect of the house-hunt. Doing so could prevent you from making a smart choice for your family.


Be Realistic

Buyers may not get every feature they are looking for, but they can come close. You will need to determine what you must have, and what your family can give up. For instance, if a specific location is a must-have for your family, as well as a swimming pool, you can compromise by searching for homes in the area that have a community pool. You may not get the pool in your back yard, but you still have swimming options in the neighbourhood of your choice.


Work with a Sales Representative

There are so many things you can do on your own, but choosing to work with an experienced sales representative could simplify the house-hunting process. She will know what to search for once you have given her a list of preferred locations, amenities, square footage, and other essential factors. Sales representatives also have access to databases and listings that buyers may not, giving you more of a variety.

When it pertains to negotiating a reasonable price, as well as repairs, a sales representative will make sure you get the best deal possible. You can ask family and friends to recommend a qualified sales representative, or you can join online forums to see who other buyers are suggesting.


There is no wrong or right way to begin the hunt for a new home, but there are steps that can make the process more enjoyable and less chaotic. Buyers should always determine what they are searching for and what will be the best choice for their family. Planning will make the house hunting process smoother, and a little faster!

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Five Amazing Benefits of Owning a Home
Posted on Tue, 15 Jan 2019, 04:45:00 PM  in Home buying tips
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Buying a home can provide you with many advantages, such as more space, a sense of community, less money, and better locations. You can find the property of your dreams and truly make it yours, without worrying about reporting to a landlord. The home is yours to do with as you would like, but that’s not all. Continue reading to learn about some of the amazing benefits that buyers receive when they decide to purchase a home.Five Amazing Benefits of Owning a Home


More Privacy

Living in an apartment building could mean more neighbours and less privacy. When it pertains to having guests over, you will need to keep the music and noise to a minimum. Your neighbours could complain that you have too many gatherings and this could lead to being reprimanded by the apartment complex, or even evicted for numerous violations. However, owning a home gives you the privacy to have as many guests over as you would like, without having to report to a landlord or a property manager.


Tax Benefits

Some of the expenses that come with owning a home are actually tax deductible. This means that the interest you pay each year for your mortgage loan can actually be deducted when you file your taxes. This will allow you to keep more of the money that you have earned, or you can recoup some of the funds that you have spent on home repairs and renovations. If you are a first-time buyer, there may also be a deduction that you qualify for, depending on where you live, the current tax codes, and other factors. Check with a sales representative in your area to learn more about what is tax deductible for homeowners.


Cheaper than Renting

Excluding the down payment that you may have to make, and closing costs, your mortgage rate could be significantly lower than your monthly rental payments for a home or an apartment. The rates for rental properties are typically higher because landlords have to cover damages in the event that you destroy the home, skip out on payments, or for any other unforeseen reason. Many landlords are trying to make a profit, so they have to charge you more than they are paying for their property loan.


Decorate and Renovate to Your Liking

Hanging pictures and changing the colours of the walls within the different rooms of your home is completely up to you and your family. You do not need to seek approval from a property manager or a landlord before installing new cabinets, putting up a privacy fence, changing the carpet, or adding on other features to the property. You are free to do almost anything you would like, as long as it does not violate state, local, and federal housing codes. Keep in mind that some properties will have homeowner’s associations (HOAs); these associations generally have rules regarding the exterior of your home. The good news is that you have the ability to go to the HOA meetings to voice your opinion about regulations, and to suggest new changes.


Future Income

You not only save money when you buy a home, you could create another stream of income in the future. For instance, if you decide to purchase a new home five to 10 years from now, but you do not plan on selling your current home, you can rent it out to other families and earn an extra income. This is great if you are looking for more income, or if you don’t want to part ways with your first property.


Do not put off buying a home for another year. Take advantage of the many benefits that are available to you, including those mentioned above. When it comes to purchasing a new home, you will ultimately need to do what is best for you and your family.

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What to Look for When You Tour a Home
Posted on Mon, 31 Dec 2018, 02:35:00 PM  in Home buying tips,  My services

If you are a home buyer, you will probably tour many homes before you make a purchase. You should take a list of things to look for at your meeting, tour or open house visit. The list should consist of your wants, needs and things to check while visiting the home. You can also include questions to ask a REALTOR® during your visit.


The Neighborhood

You should ask questions about the neighbourhood and then do your own research. Visiting the neighbourhood at night is a good indicator of safety. Research the schools in the area to see how well they perform. You may have children or have children in the future and this should be a consideration.


The Roof

Feel free to ask when the roof was last replaced. This is a good indicator of when you will need to hire a service in the future. Check for damage or leaks inside on the ceilings. The gutters should be in good working order and there should be no damage to the roof that is visible on the outside of the home. If you notice damage, consider this when you negotiate your terms for the purchase.


The Electrical Box

Find the electrical box as you walk through the house. This is a good way to make sure that the electrical is newer and in good working condition. This is usually more of a concern in older homes.


Heating/Air Conditioning/Plumbing

Ask your host if you can turn the heat and air conditioner on. This will allow you to hear any noises that may be apparent. You can do the same with the plumbing. Test the faucets to see if everything sounds like it is working well.What to Look for When You Tour a Home


Cracks in the Foundation

Repairing the foundation is costly. Check the basement and garage flooring for any cracks in the foundation or cement. This is also a good time to check for mould or water in the basement.


The Yard

When you look at the yard of a potential property, it is important to visualize what you will use it for in the future. Is it large enough and flat enough for everything you might want it for in the future?



If storage is a concern of yours, this is something that you should check on a home tour. You want to make sure the closets, garage or outside storage is a place that stays dry all year.



Your list should include any upgrades you want to make to the home you are touring. Also, the list should include any known repairs that you knew about prior to the tour.

It is important to have everything you need in one place before you make an offer.


When you tour a home, it is important to stay focused on the house and look for the items that most people don't think about when looking at a home for the first time. If you have any questions about the home, get answers from a REALTOR® prior to making an offer on the home.

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Top Reasons to Get a Home Inspection Before You Buy
Posted on Sat, 15 Dec 2018, 02:30:00 PM  in Home buying tips,  My services

When it comes to buying a new home, it's often easy to get caught up in the buying process. If your agent tells you that the house has other offers on it, you might throw out an offer in the hopes of buying it right away without taking the time to think about the purchase. This can easily result in you spending much more money than the property is really worth. A good agent will suggest that you pay for a home inspection up front. There are some solid reasons why you should get that inspection done before signing any paperwork.Top Reasons to Get a Home Inspection Before You Buy


Determine Its Overall Worth

One of the top reasons to have an inspection done is because it will give you an idea of how much the house is worth. Sellers can list their homes for any prices they want. Even if they work with licensed agents, they might think that the property is worth more than it would sell for in real life. The inspection will tell you the total size of the house and the property as well as any issues that the inspector found.


Find Out About Possible Issues

There is only so much you can tell about a home on your initial walkthrough. Even if you make multiple trips to check things out, you can only see what is visible to the naked eye. You might notice that some rooms need a fresh coat of paint or that you need to replace the bathroom or kitchen fixtures. That walkthrough will not give you the chance to check out the foundation or the roof though. The home inspection will tell you the problems found and give you an idea of how much those problems will cost to fix.


Put in a Lower Offer

Having a home inspection done is smart because it can help you decide what type of offer to put in out that property. A good example is a house that you love that has some damage to the roof. The cost of a new roof or even a major repair can easily hit $5,000 or more. That is money that will come out of your pocket when you become the new owner. When you let the owner know how much you'll need to spend on repairs, you might get the home for a lower price.


Demand Repairs

If you cannot reach an agreement with the current owner to lower the price based on the results of the home inspection, you can request that the owner make some of the repairs to the house before you buy it. This often occurs when the owner knows that the house needs work and set the sale price too high. Owners will sometimes agree to do the work because they realize that no one else will pay the price they want. This will only work if the work done will bring the home up the value that the owner wants though.


The home inspection process only takes a few hours. Inspectors will walk around the property and get inside the house. They will make a full list of everything that is wrong and any issues they find, which can include problems in the plumbing and/or electrical systems. Though you might think that you can skip this step, you should really have a home inspection done before you agree to buy an older home. The inspection can reveal damage and issues you didn't see and help you work out the best price for the home with the old owners.

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Top 5 Benefits of Owning a Home
Posted on Fri, 30 Nov 2018, 02:30:00 PM  in Home buying tips,  My services
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Owning a home is everyone’s dream, there are many noticeable benefits of owning a home. If you are planning to purchase a home the first step you should take is to determine whether having a house is the right fit for you and your family. It is essential when making your decisions to strongly consider both the advantages and disadvantages of what you are deciding on.Top 5 Benefits of Owning a Home


Here are some of the benefits of having a place to call your home. Knowing some of the benefits of owning a home can help you make informed decisions and save some of your money in the long run.


Freedom to Own

The most obvious plus benefit of having your own home is being in the position to customize it to fit your lifestyle. The dream home you always think about will become a reality with the newly found freedom to design, renovate, decorate and add anything that your heart desires.


If you have your own home, you can add permanent fixtures or paint your walls with any color you wish without worrying about breaking or leasing restrictions or regulations.


Opportunity to Build Equity

When you hear individuals talking about homeownership and real estate, one of the most obvious words you will likely hear is equity. Equity in real estate or homeownership is the probable market value of a property without or minus the liens against it such as a mortgage. One of the excellent benefits of having a home is an opportunity to create or build equity.


The longer you own your home, the more you will have to pay towards the balance of any liens. As the principal balance of any liens gets lower and lower and hopefully the value of the home increases, the larger the equity.


Enhances Your Savings

Purchasing a home is a reliable and stable way of investing your cash. To make it even simpler, property or homeownership is a forced way of saving your money. For most individuals, paying for your monthly mortgage is not a cost; it is a payment to yourself, which allows for higher credit, overall profit and equity down the road. You should view your mortgage payments as maintaining an excellent financial discipline where you are investing in something that is bound to improve and grow over time.


You Enjoy Significant Tax Deductions

Homeownership can minimize the amount of money you pay in income tax every year. Your property tax and mortgage interest payments can be deduced from the federal taxes and other state taxes.


Certain closing expenses and mortgage discount points may also be tax deductible. During the early years of your loan, when the interests represent the bulk of your mortgage payment, the respective tax deductions can help you save a significant amount of money.


Build Your Credit

There are many factors that affect your credit score, and one of the most important is the length of your credit history. The best tip of boosting your credit score is to improve the average length of your credit accounts, and homeownership can help you accomplish this.


Since the current length of a mortgage is approximately 15 to 30 years, having a mortgage on your respective credit history is an excellent way to expand or lengthen the average of your current credit accounts.


You should understand that each month that you pay a mortgage on time; it indicates that you are a responsible borrower which not only improves your credit score but also increases the chances of approval of your future credit accounts.

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Don't Forget About These Things When You Budget for Your First Home!
Posted on Wed, 31 Oct 2018, 11:50:00 AM  in Home buying tips,  My services
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If you are getting ready to purchase your first home, there are many things that may not make it into your budget. While you may be focused on the excitement of the home itself, certain items added to your budget may make your overall experience after you move in more comfortable.


FurnitureDont Forget About These Things When You Budget for Your First Home

Although the furniture isn't a requirement when purchasing a home, many homeowners wish they had the funds to furnish the living spaces with new items right away. Saving for this makes homeownership much sweeter in the end. If you don't wish to save for the whole home, the living spaces should get some attention or even a new sofa!



Appliances, paint, fixtures, and lighting can make a new home purchase feel like it is indeed your ideal home. It is a little bit of work up front to get something that feels like you live there. These items have an upfront cost but the payoff is great. These are great things to think about when negotiating a price as well. If the home needs some updates, don't be afraid to give an offer that is below the asking price.


Home Maintenance

There may be things in the home that need to be fixed when you move in, or they may break right after you move in. Being prepared with savings for home maintenance or emergencies is a good way to keep your new home in steady working condition. Repairs can be very high if something is missed during the inspection of a home. If you plan on doing home maintenance yourself, there should still be a bit of emergency money set away for those things that you may not be able to do alone!


Final Costs

Make sure you ask about all of the costs of the home purchasing process. Your REALTOR® should be able to discuss this with you and let you know exactly what you will be responsible for when purchasing the home you decide on. This will help you stick to a more accurate budget.


Your Perfect Space

If you can't make your whole home perfectly the way you want it, an agreed upon space can be decorated and furnished to be a sanctuary for you. Feeling like you are at home can come from one space that reflects how you love to entertain, relax, enjoy your family, or work. A room that reflects your personality will show your guests just how well much the home compliments your style.


When purchasing a home it can be an emotional journey. Considering how you will feel once you've lived in the home will help you budget for the little things that will make the end of your home buying journey peaceful. Money is never the only consideration in homebuying but if you want your home to reflect your style it is an investment that is easier done with savings prior to the purchase of the home.

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Three Tips for Organizing Your New Home's Kitchen
Posted on Mon, 15 Oct 2018, 11:50:00 AM  in Home buying tips

After buying a new house, you will want to budget your money carefully by cooking nutritious meals at home rather than visiting restaurants several times a week. If you had a tiny kitchen in an apartment, then you will enjoy having a spacious kitchen in a home, but you will need to organize it to make meal preparation an easier process. Here are some tips for having a clean and organized kitchen.


Kitchen Tip 1: Sanitize a Kitchen's AppliancesThree Tips for Organizing Your New Homes Kitchen

Before using the kitchen's appliances, you should sanitize everything. This is easy to do with basic cleansers such as dish detergent and bleach. If the interior of the oven is a greasy mess, then you will want to use specialized oven cleaner. Cleaning the kitchen can take a few hours, so you should prepare ahead of time by ventilating the area and having bright lighting. Fill the sink with hot water and detergent so that you can remove the refrigerator's shelves to wash its interior. Don’t forget to wash the freezer section along with the ice cube trays. Make sure that the refrigerator is at the proper temperature setting before you shop for food. Next, you should remove the pan holders from the stove to wash these, and you may also need to remove drip or broiling pans from the oven. Spray the cleaner inside the oven so that it can lift the debris, and wipe away the grease or food particles with paper towels. If you have a dishwasher, then fill the soap dispenser and run it on the hottest setting to eliminate bacteria or mold inside the appliance.


Kitchen Tip 2: Preparing Cupboards for Food Storage

You will need a ladder to reach the highest kitchen cupboards to wash the items completely. Make sure to wash the tops and sides of the cabinets in addition to the shelves. If you notice any signs of insects or rodents, then you should look for entranceways where the pests are entering to fill the openings with liquid caulking. Don’t forget to clean the exterior of the cabinets, including the handles and drawer pulls. After the interior of the cabinets are dry, you can place paper or plastic shelf paper on the shelving or inside the drawers to protect the wood from damage. This is also a good time to measure the interior of the cabinets to add organizing devices for storing glassware, dishes and utensils along with containers of spices and cans of food. You can find devices such as movable wire shelves, turntables and hanging systems for the inside of the cabinet doors. These organizational items can make preparing meals easier, but the devices also make it easier to keep a kitchen clean.


Kitchen Tip 3: Store Things Properly In the Kitchen

When you are storing things in your kitchen, think about how you use the items each day. An item such as a punch bowl that you use only a few times a year can remain on a top shelf while items such as mixing bowls that you use weekly should be stored on a lower shelf. You will want to have glassware near the kitchen’s sink where you can access the items quickly, but if you have a larger kitchen, then having additional glassware near the refrigerator is helpful. Storing your cans of food near to the stove makes sense, and it is also essential to have a can opener near this area. For faster meal preparation and daily cleaning, experts recommend having clutter-free countertops throughout the kitchen.

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Why Should I Use a REALTOR®?
Posted on Sun, 30 Sep 2018, 12:35:00 PM  in Home buying tips,  Home selling tips

Selling or buying a home is a huge undertaking that involves the biggest lifestyle and financial choices you will ever make. For you to choose wisely and ensure you secure a great deal in today's real estate market, you have to involve many specialists. A REALTOR® is one of these specialists who will make the transaction easier for you.


The Difference of a REALTOR®Why Should I Use a REALTOR

Not all registered or licensed salespersons or brokers are REALTORS®. The agent has to be a member of the CREA (Canadian Real Estate Association) to become a REALTOR®. To be a CREA member, the agent is supposed to be:


  • Actively updating education - Through workshops, courses, and other professional development, REALTORS® maintain a very high level of current real estate knowledge.
  • Have Knowledge regarding developments in real estate - Your REALTOR® can get you any information that's needed for you to make an informed decision. This includes housing market conditions, neighbourhood trends, and comparable prices, and more.


  • Access - A REALTOR® has access to the Board MLS® Systems, which is known to facilitate the cooperate properties sale to benefit consumers.


  • Committed to the CREA's REALTOR® Code - This code is the affirmed standard of conduct for REALTOR® real estate practitioners. It is your guarantee of quality service and professional conduct.


Why Should I Use a REALTOR®?

Whether you are selling or buying a home, your REALTOR® will make sure the transaction is completed professionally and competently. You do not have to worry about any details, your REALTOR® will take care of them on your behalf. REALTORS® pledge to put buyers and sellers interests ahead of theirs an to always treat all parties honestly.


They Have Connections

REALTORS® always make it their mission knowing almost everyone who can help in the buying or selling process of a home. This includes interior designer, home stagers, home inspectors, real estate attorneys and mortgage brokers.


They've Bullish Negotiating Chops

When buying or selling a home, you will encounter negotiation, and since today's Canada real estate market heats up, these negotiations will get a little more heated.

Generally, you should expect a lot of competition, bidding wars, all-cash offers, and cutthroat tactics. A professional and savvy negotiator can help you seal the best deal. It is not about how much you'll spend or net. A REALTOR® will help in drawing up a purchase agreement that will allow enough time for contingencies, inspections and anything else that is essential to your needs.


They Have a Turbocharged Searching Power

You can find almost anything on the internet. You can even find the latest home listing. However, REALTORS® have access to more listings than you can ever find on your own on the internet. Sometimes properties can be available, but they aren't actively advertised. REALTORS® can help you find these hidden gems.

Additionally, a good REALTOR® will know the search area better than you. If you have interested in a particular neighbourhood but it is out of your expected price range, a REALTOR® is equipped to know all the ins and outs of all the neighbourhoods, hence they can direct you towards a particular home that's in your price range, which you may have missed.


REALTORS® Have Lots of Expertise

Real estate has a different language that full of semi-arcane jargon and acronyms. REALTORS® are trained to speak this language fluently. Furthermore, selling or buying a home often requires numerous forms, disclosures, reports, and other technical documents. A REALTORS® has the expertise of helping you prepare a good deal while avoiding costly mistakes and delays that can end up messing you up.

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ZOI OUZAS Sales Representative
RE/MAX Garden City Realty Inc., Brokerage
64 Main Street West, Grimsby ON L3M 1R6
Office: (905)-945-0660 Office: (905)-563-8527


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