Clients Come First. Always.
My goal is to provide buyers and sellers with the most caring, honest and professional real estate service available. Having buyers and sellers put their trust in me to ensure that the sale or purchase of their home goes smoothly helps me in achieving this goal. I am dedicated to providing quality service, value and integrity to my clients and their families.
Experience
You deserve top-caliber service from a real estate professional that will listen to your needs and produce outstanding results. With experience in the real estate business since 1992, I can provide the expertise and personalized attention you expect and deserve. Because your home is most likely your greatest asset, I will work diligently and effectively to ensure your complete satisfaction.
Implementation of the New Stress Test for Uninsured Mortgages
Last month the Office of the Superintendent of Financial Institutions (OSFI) confirmed the implementation of a new minimum qualifying stress test for uninsured mortgages. Guideline B-20 now requires borrowers who have a down payment of 20% or more to qualify for a mortgage at a higher rate. Borrowers will have to be approved at either the five-year mortgage rate published by the Bank of Canada (currently 4.99%) OR the mortgage rate the federally-regulated financial institution offers plus 2%, whichever is higher.
The revised Guideline B-20 comes into effect on January 1, 2018. However, if a borrower has put down a deposit and received a mortgage eligibility assessment or pre-approval from a federally-regulated lender prior to January 1, 2018, the lender has the discretion to offer the loan based on the pre-existing guideline (including the prior qualification rate).
We encourage REALTORS® to remind their clients who have put down a deposit on a home but don't need a mortgage for some time or are uncertain about access to mortgage financing as a result of the revisions to Guideline B-20 to contact their federally-regulated lender directly.
"WHAT MY CLIENTS HAVE TO SAY"
"Howard made buying our first home a breeze! He made selling our first home a walk in the park.Howard made buying our second home stress free. Howard is a true professional"
Thank you so very much for the amazing service and advice.
You absolutely earned our business, and we thank-you so much for your patience, and diligence in helping us get everything we needed done to have a successful sale when the other condo’s in our complex are still on the market today.
We have no intention of leaving our new home for many-many-many years, but if we know of anyone looking to buy or sell, your name is always the one that I recommend!
K & K
We wish all real estate agents were like you, and we honestly mean that!
The sale/purchase of the condo and house was stressful on us, but you made it as stress free as possible with your honesty and positive attitude.
We appreciate all the time you took to look at houses with us and all the driving as well. That was much appreciated and did not go unnoticed.
We wish all real estate agents were like you, and we honestly mean that.
We would be more than willing to give a reference to anyone about you if needed.
Once again thanks for everything.
N & D
