



| Profiles - About Anne Marie and Gregg | ||||||
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Capsticks have over 35 years combined real estate experience. Some background on both... |
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Featured
Listing |
7 Woodhaven Close, Portland Hills |
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$237,900 |
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| Financing... | ||
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As a buyer - do you know the costs involved in a house purchase? |
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| Do you know the amount of mortgage you can borrow based on your salary and debts? | ||
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This is important information you should know before you look at your first house. Assuming you have a good credit rating, there are two important ratios bankers use to qualify you. |
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| Your "GDS" ratio which simply put is 32% of your gross (combined) monthly income that you are allowed to put towards your mortgage payment plus taxes plus heat. | ||
| The other important ratio is your "TDS" ratio (total debt service ratio) which is the 40% of your monthly gross income that you are allowed for the above plus all other debts (loans and credit cards). | ||
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| Contact Us - Do you prefer E-mail or the Phone? Take your pick... | ||||||||||
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| If you have enjoyed my web site, I'd like to hear from you. | ||||||||||
| If you
are a buyer and you want the Capsticks to help you find a home, please fill out our Feedback Form |
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Gregg's
Profile...
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Anne
Marie's Profile...
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| Dual agency occurs when
a real estate agent is representing both buyer and seller in the same
transaction. If you find yourself in this relationship: before making an offer, both you and the other party will be asked to consent in writing to this Limited Dual Agency agreement. |
| You may wish to use the services of a Realtor without having any kind of agency relationship. This might occur, for example when you are being shown a property by the seller's agent. |
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Mortgage
Specialists...
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Gisele
Arseneau
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Cell:
902.430.8033 Fax: 902.852.2657 |
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Ready
and willing to help you reach your financial goals
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Eleanor
MacDougall
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Cell:
902.483.8123 Fax: 902.860.1538 |
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Homes
Loans Canada
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Bob
Holmes
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Cell:
902.483.2306 Fax: 902.434.8942 |
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Bank
of Montreal
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Home
Inspectors...
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Ameri Spec Home Inspection
Services
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Cell:
902.469.1119 Fax: 902.435.9655 |
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Darren
Smith and Glen Strang
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PV Home Inspection
Services
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Cell:
902.468.1240 Fax: 902.468.9032 |
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T. E. Gordon Home
Inspections
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Cell:
902.499.1011 Fax: 902.435-6321 |
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Terry
Gordon
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| Resources - A few interesting Links for you... | |||||||||||||||||||||||||||||||||||||||||||||||
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After
the Sale |
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DON'T
FORGET TO CHANGE ADDRESSES ON:
Driver's License, Credit Cards, Banks, Magazine Subscriptions, Vehicle registration, Car and Life Insurance, etc. |
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Barristers
& Solicitors...
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Gillis
& Walden
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Tel:
902.832.1693 Fax: 902.835.1486 |
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Deborah
E. Gillis
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Boyne
Clarke
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Tel:
902.469.9500 Fax: 902.463.7500 |
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Richey
Clarke
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Wolfson
Schelew Zatzman
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Tel:
902.435.7000 Fax: 902.435.4085 |
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Andrew
S. Wolfson
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