REALESTATE R E S O U R C E
G U I D E
Your key to Burnaby and New Westminster
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Creeks ide St.
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112 Ave
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110 Ave
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110 Ave
FALCON HOMES at
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Kanaka Creek Regional Park
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240 St.
WYNNRIDGE
109 Ave
Kanaka Cre ek
To Lougheed Hwy
11882 226 St. Maple Ridge
2 Real Estate Resource Guide
10 Steps to Buying Your Home 1. Are you ready to buy?
3. Decide what you want to buy
You should already have saved some of your down payment and should be good at managing debt like credit cards or loans. A mortgage is a financial responsibility that also requires constant upkeep.
First decide where you want to live (e.g. urban, suburban), then decide which neighbourhood suits you best and what type of home (detached, attached or apartment) you want. Whether the property is new or resale may also affect your costs.
2. Decide what you can afford Use this simple equation to consider what to expect after you’ve saved for your down payment. The cost of buying a home = one time costs (down payment, legal fees, inspection fees and taxes) + monthly costs (mortgage, utilities, maintenance, insurance and property taxes).
4. Find the right Realtor® There are many ways to find an agent; drive neighbourhoods that interest you and jot down names, go to open houses, look at advertising, ask friends for referrals. Interview two or three and pick who you like best. Establishing a clear idea of what you’re looking for in a home before you start looking around is a great way to narrow your focus.
Please see next page
Helping you with what matters... • Real Estate Transactions • Mortgages • Wills • Powers of Attorney • Representation Agreements, Section 7 and Section 9 • Advance Directives
• Statutory Declarations • Sponsorship Declarations • Affidavits • Notarizations • Certified/Notarized Copies • Additional Specialty: Executorships
Elisabeth Rechsteiner NOTARIAL CORPORATION* *A professional notary corporation
100 - 5050 Kingsway, Burnaby Phone: (604) 433-1911 | Fax: (604) 433-8970 info@erechsteiner.ca | erechsteiner.ca Real Estate Resource Guide 3
5. See what’s out there
8. Make an offer
Realtors® run an incredible search tool called the Multiple Listings Service® (MLS®) which contains information on property listings. Your agent can send you listings that fit your criteria and together you can draw up a short list and visit them.
6. Sell your current home 7. Add specialists to your team Decide on a lender. A notary public or a lawyer will help you understand the many legal documents that come with buying your home. A home inspector can save you from unpleasant surprises when you move in.
Realtors® are expertly trained and will prepare your offer for you and explain any terminology you don’t understand.
9. Arrange a mortgage There are banks, credit unions and other lenders available for you. Talk to your financial institution and call around to others. Ask friends or family for referrals. Realtors® are knowledgeable about mortgages and may refer you.
10. Close the deal and move in Your offer has been accepted and your real estate agent and notary public or lawyer will do most of the closing work. Make sure you understand the conditions of the agreement that require immediate action on your part. —Courtesy Real Estate Board of Greater Vancouver
Take out a new GVC mortgage and receive up to $1,500 cash bonus *
GVC Credit Union specializes in helping families, self employed, new Canadians; people other financial institutions may not have time for; purchase a home of their own. We provide first and second residential mortgages to buy, build, renovate, or refinance a home or to meet other major expenses.
Chequing, Savings, Mortgages, Loans & Friendly Advice. www.gvccu.com
Providing financial services since 1940
VANCOUVER
115-370 E Broadway
604 875 8590
BRENTWOOD
1801 Willingdon Ave
604 298 3344
LOUGHEED
NEW WESTMINSTER
604 421 3456
604 525 1414
9608 Cameron St
25B-800 McBride Blvd
SURREY
1-9989 152nd St
604 584 4434
*Offer applies to new GVC mortgages on residential property (owner occupied or rented) with a minimum 1-year closed mortgage term in the amount of $100,000 or more funded by November 15, 2013. Offer does not apply to GVC refinanced mortgages unless refinanced with new funds exceeding $100,000. GVC reserves the right to cancel this offer without notice. Other terms and conditions apply, please contact us for details. Bonus entitlement is based on a closed term of mortgage as follows; 1-yr - $500, 2-yr - $1000, 3-yr - $1500.
4 Real Estate Resource Guide
10 Steps for Selling Your Home 1. Decide when to sell
Timing can influence your home’s selling price. Factors like how quickly you need to sell, whether it’s a buyers or sellers market and seasonality all play a role in your final selling price.
2. Find a Realtor® who’s right for you The agent who helped you buy your home is a good place to start. Or look for names on For Sale signs in your neighbourhood or ask friends or family.
3. Sign a listing agreement This authorizes your agent and their brokerage to market and sell your home. It will define the legal relationship between you and the real estate brokerage and also set a time limit for the agent to sell your home.
4. Determine your asking price The right asking price will attract buyers and pay maximum return. Too low and you could miss out on thousands. Too high will scare away buyers. The goal is fair market value.
5. Add specialists to your team Similar to when you bought your home, it’s essential to have a notary public or lawyer handle all documents that change
hands and make sure your interests are protected.
6. Prepare your home for sale See your home through a buyer’s eyes: purge clutter, clean/repair what you can.
7. Let your Realtor® do what they do Your agent will begin to market your home.
8. Prepare your finances Will the buyer “assume” your mortgage or are you “discharging” it? If you’re buying new, is your mortgage “portable”? These are questions for your agent, lender and notary public or lawyer.
9. Receive an offer
Although Realtors® will walk you through the process, be prepared for stress. You will see every offer since it’s required you see every offer submitted. You will have three options: accept, reject, counter offer.
10. Close the deal You were successful and have drafted a legally binding agreement. Contact your lawyer or notary public, your lending institution and consult your Realtor®. Immediately start satisfying any conditions of the agreement that require action on your part.
STEVE FLYNN 604.785.3977 RE/MAX Central (Kingsway) steveflynn@remax.net steveflynnrealestate.com Independently Owned & Operated
Helping you every step of the way
Stephen Graf Stephen Graf & Company Solicitor & Notary Public Phone: 604-314-5700 Email: mail@stephengraf.com 604 Columbia Street, Suite 480 New Westminster, BC V3M 1A5
TRACEY
DAVIES Licensed Realtor®
Medallion Club Member
In the top Realtors® in Greater Vancouver, proudly serving the Greater Vancouver area.
1 PLACE 2011
604.421.7275
#BC - 435 North Road, Coquitlam
SEAN
DAVIES Real Estate Assistant
Check out traceydavies.com for listings & photos Real Estate Resource Guide 5
Are you buying or selling a home? Let us help you prepare your legal documents • Purchase and Sale Documents • Refinance/Mortgage Documents • Notarizations • Wills & Powers of Attorney • Contracts & Lease Agreements • Travel Consent Letters
Open Saturdays by appointment
Your House Hunting Checklist Buyers may look at dozens of houses before finding the right one. Here’s a checklist to guide you through the things to consider when house hunting. Keep notes on each house you see so you can compare. Location:_________________________________________________ Address:_________________________________________________ Asking price:_____________________________________________ Annual property taxes:___________________________________ Type of house:___________________________________________ Neighbourhood type:_____________________________________ Neighbourhood condition:________________________________ Zoning restrictions:_______________________________________ Proximity to schools:_____________________________________
MEMBER
Sadhra & Associates Notaries Public Corporation
Unit 210 - 7270 Market Crossing, Burnaby (ABOVE LONDON DRUGS)
604-558-0678 | sadhranotary.com | info@sadhranotary.com
Proximity to main roads:__________________________________ Lot size and shape:_______________________________________ Size and condition of front and back yards:________________ Number of stories:_______________________________________ Driveway:________________________________________________ Siding type and condition:________________________________ Overall condition of exterior:______________________________
Your Mortgage Experts
Garage type and size:_____________________________________ Backyard privacy:________________________________________ Patio/deck type and condition:____________________________ Roof type and condition:__________________________________ Windows type and condition:_____________________________ Room sizes:______________________________________________ Number of bedrooms:____________________________________
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Residential Mortgages
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Home Purchase info
Kitchen cabinet type and quantity:________________________
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Refinance Centre
Floors type and condition:________________________________
Number of bathrooms:___________________________________ Countertops type and condition:__________________________ Wall colours and condition:_______________________________ Fireplace/wood burning stove:____________________________ Basement description:____________________________________
Bill AtwAl
Mortgage Specialist
Electrical wiring and outlets:______________________________ Lighting fixtures:_________________________________________ Plumbing condition:______________________________________
atwal.bill@gmail.com | t 604-377-3512 | f 604-628-3816
www.billatwalmortgages.ca
Heating type and condition:_______________________________ Hot water heater age and condition:_______________________ Appliances:______________________________________________ Insulation:_______________________________________________
6 Real Estate Resource Guide
Award Winning Realtor Nevin Brenner & Best Selling Author Peter Kinch are pleased to bring you...
Apartments - Townhouses - Single Family Homes - Building Lots - Multifamily Duplex Homes The Lougheed Mall area is a convenient, diverse , family orientated community with exceptional home values.
Nevin Brenner - Resident Realtor
Site benefits for Buyers:
Site benefits for Sellers:
Lougheed mall area specialist Royal Lepage Coronation West
*Targeted area MLS home Search. *Benefits of the Lougheed area. *Relevant community information. *Mortgage approval center. *Moving tips, checklist and links. *Links to all levels of area schools. *Expertise from an actual resident.
*More exposure to your home. *Attracts buyers to Lougheed area. *Results far above the competition *Free market evaluations. *Home Renovation tips and links. *Expert selling advice & guidance. *Real Estate market experience.
Cell: 778.928.0699
Nobody sells more homes in the Lougheed Mall area!
Call on the area specialists to help you Buy or Sell your home with LougheedRealEstate.com CANADA’S MORTGAGE & FINANCIAL FUTURE EXPERT
PERFORMING MORTGAGES FOR LOUGHEEDREALESTATE.COM - LOG ON AND GET APPROVED TODAY! Real Estate Resource Guide 7
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1
E PLA1C3 20
604.294.9663 (WOOD) 3744 Hastings Street Burnaby casamadera@telus.net www.casamaderafloors.com
8 Real Estate Resource Guide
Making Life Safe at Home Moving in to your new home First item of business when moving into a new home is security. Even if your home is newly built, we recommend rekeying all locks, and changing alarm and garage codes. If you do not have a monitored home alarm consider installing one. Ensure that you reinforce the telephone lines and wires to the exterior of your home to prevent thieves from cutting, tampering or stealing them. Moving results in lots of garbage and recyclables which pile
up outside your home while you get settled in. This is inviting to thieves who are looking for new purchases (TV, computer, stereos). Ensure that your empty boxes are not seen from the street. Instead keep them inside out of sight until they can be removed by you.
Room with a view Stand outside your new home and observe what can be seen through your windows during the day and night. What is in plain sight (TV, computer, valuables)? If you can see them so can thieves. You may want to
consider blinds, curtains or lighting changes. You will be amazed when you look and see what others may see from the street. Look at the trees and shrubs around your property. Privacy is important but should not have a negative impact on you and your neighbours’ home security. The trees and shrubs must be pruned to allow a clear view of the property. Pay close attention that landscaping does not provide a concealment area for thieves to hide around your windows and doors. Please see next page
Now that you’ve got a new home, it’s time to ensure that you protect your investment and your valuables. One thing to check is all windows and patio doors, which tend to be vulnerable spots for thieves to access.
Your Legal Team, Together We Are Stronger Proudly providing a full range of legal services to our clients in the lower mainland and throughout British Columbia. • Family Law • Child Protection • Criminal Law • Wills & Estates • Civil Litigation • Labour & Employment Law • Immigration Law • Mediation • Notarial & Other Services
604-524-9940 | pgslaw.ca Real Estate Resource Guide 9
The weak link
FLOORS FOR MODERN LIFE
1 PLACE 2013
VOTING US YOUR THANK YOU FOR RING STORE OO FL ITE UR FAVO NSTER MI ST WE IN NEW
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Windows and patio doors are a weak link when it comes to home security and may facilitate break and enters. Windows and patio doors can be lifted from the tracks, pried open, broken, etc. So consider some strategies to assist with your security: • Always locks all windows and doors when not home OR in the immediate area. • Protect your windows, patio and entry doors by installing secondary locking devices; this includes all access above the ground level.
Embracing your neighbourhood Get to know your neighbours and connect with your local resident group. By working together, neighbours can increase their home and neighbourhood safety and security. Implementing the Block Watch Program on your street is a good way to communicate with neighbours and police about suspicious and criminal activity. The cohesiveness of a neighbourhood coupled with a partnership with your local police department contributes to a successful and safer community. New Westminster: New Westminster Crime Prevention Team, 604-529-2446 or visit www.nwpolice.org. Burnaby: Block Watch is at www.blockwatch.com or contact the Burnaby RCMP Block Watch Coordinator at 604-294-7781 or 604-294-7695 or email burnaby. blockwatch@rcmp-grc.gc.ca.
Curious what your home is worth? Whether you’re thinking of buying or selling your home, or are just curious as to real estate values in your neighbourhood, you’ll want to make sure you talk to a real estate professional who is knowledgeable and familiar with the area. I invite you to call me at 778-773-4646 for the most up-to-date market information about your area.
Al Kabani
FREE home market evaluation just call! RE/MAX Central
#1 - 5050 Kingsway, Burnaby, BC V5H 4C2
10 Real Estate Resource Guide
778-773-4646
1-866-433-2211
alkabani@remax.net
www.alkabanirealty.com
Home Finance 101 Mortgage Payment Tips Consider the following money-saving steps when calculating your mortgage payments: By shortening your loan repayment or amortization period to 20 years from 25 years, you’ll pay your mortgage off five years sooner. You’ll pay higher monthly payments, but you’ll build equity faster and you’ll pay less in interest over the long term. Apply for a prepayment option. If you receive one, you can directly pay down some of your principal before it’s due. Make sure to check for prepayment penalties. By paying biweekly instead of monthly, you’ll make 26 payments in a year or 13 months instead of just 12 months and reduce your amortization to about 20 years from 25 years.
Other Costs to Buying a Home The price of the house you are buying is not the only cost you need to consider when deciding if you can afford to buy. There are other costs to consider: • Legal Fees • Appraisal Fee • Home Inspection • Title Insurance • Property Transfer Tax or Land Transfer Tax • Survey Certificates • Prepaid Expenses • Property Tax— typically paid for the year so the seller is reimbursed the portion of the year that the buyer will occupy • Utility Bills • Strata/Condo Administration Costs to produce • Estoppel Certificate • Insurance Binder • Form A
IT OUR BUYERS MAKE SURE TO VISD OPEN WEBSITE FOR OUR WEEKEN, PHOTOS HOUSES, PROPERTY DETAILS ES! AND VIDEO TOURS OF HOM
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Brad Parsons, B.ES
604-358-2658 brad.parsons@sunlife.com www.sunlife.ca/brad.parsons Metrotower II 4720 Kingsway, Suite 1900 Burbaby, BC V5H 4N2 Life’s brighter under the sun Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2013.
If you are thinking of buying or selling think of team Assist2Sell, your full service results with savings real estate agency!
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ACCESS TO OUR VIP • SIGN UP FOR YOUR FREE SITE BUYER VIRTUAL OFFICE WEB ONAL SEARCHES! PERS OWN R YOU TE CREA • INGS. • SAVE YOUR FAVOURITE LIST CURRENT • VIEW MORE NON-PUBLIC, LISTING INFORMATION ABOUT EACH ILED TO YOU DAILY, • HAVE NEW LISTINGS EMA TO THE PUBLIC MLS 48 HOURS BEFORE THEY GO AND GUEST MEMBERSHIP IS FREE AUTHORIZATION IS INSTANT!
Visit www.newwestminsterhomes4sale.com or call 604-540-7253 today! Real Estate Resource Guide 11
How Realtors® Help Buying or selling a property can be complicated no matter what type of property. It’s also a significant financial transaction. Therefore, it’s important to get the best help. Realtors® provide you with protection against misadventure and fraud. They stay current on information by participating in ongoing professional education programs. They make use of the MLS® database to help you sell your property or find a new home. They have marketing and negotiating skills to help you make the right purchasing or selling decision.
Buying a Home 1. Schedule a consultation to discuss what the buyer is looking for in a home. 2. The Realtor® may suggest buyers speak with a mortgage consultant to figure out their buying power and obtain a mortgage pre-approval letter. 3. The agent will then look up home listings in a particular price range and help the buyers to view the homes. 4. When buyers find a home, the real estate agent will help them come up with a fair market price and write up the contract to present to the seller. 5. The agent will help the buyer negotiate on the final price with the seller. 6. The agent may be present during a home inspection, which is recommended. 7. The agent will schedule home appraisal. 8. He or she will then confirm the closing and be present at closing with the buyer and the attorney, if necessary. Please see next page
Find out why readers have voted us onto the A-list again as Burnaby’s best place to get a mortgage! Great interest rates + debt effective solutions = helping you pay off your mortgage faster!
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12 Real Estate Resource Guide
1 PLACE 2013
Top Three Reasons
#1 Best options from wide range of lenders #2 Trusted long term service #3 Proven strategies to save you money
Each Verico Broker is an independent owner operator
Selling a Home
1. The agent will meet with the sellers and evaluate the home and property. 2. He or she will do a market analysis to determine the best price to list the house based on the neighbourhood. 3. The agent may make suggestions for repairs or improvements that can help make the home more attractive to buyers. 4. The real estate agent may present a marketing plan that indicates where the home will be advertised. 5. He or she will write up a listing agreement and begin the process of marketing the home. 6. An open house for real estate brokers may be scheduled. 7. An open house for buyers will be scheduled. 8. The agent will field calls from other agents and notify the seller when a viewing request has been made. 9. Follow-up feedback can be offered, which may include information the agent receives by making calls to people who viewed the home or by tracking how many potential buyers viewed the home listing. 10. When an offer comes in, the agent will notify the sellers and advise them of the negotiation process. 11. The agent will be present during a home inspection. 12. The agent will likely be present at the home closing with the attorneys. Individuals buying or selling a home can certainly do it by themselves, but Realtors® have the knowledge and provide assistance through the myriad steps of the process, helping individuals to save time and money. — Courtesy Real Estate Board of Greater Vancouver
10 Questions to Ask Your Realtor® 1. How long have you been a Realtor®? 2. W hat is your average list-to-sales ratio? A good Realtor® should hold a track record for how many properties they have listed to how many they have sold within a given time period. 3. H ow will your marketing plan meet my needs? In other words, How will you sell my home? Where and how often will you advertise? Do you have samples of past marketing efforts? 4. Will you provide references? 5. W hat separates you from your competition? 6. M ay I review documents that I will be asked to sign? 7. H ow will you help me find other professionals? 8. How much do you charge? 9. What kind of guarantee do you offer? 10. W hat haven’t I asked you that I need to know? —Courtesy Real Estate Board of Greater Vancouver
REAL ESTATE ExpERT
1 PLACE 2013
Burnaby A-List winner. Thank you Burnaby for voting me as your #1 realtor for the 3rd year in a row! I’ve been Selling Real Estate since 1997 and am responsible for the sales of hundreds of homes and condos! I’ve spent many years sharing my knowledge and experience with Buyers and Sellers of Homes and Condos just like yours. I have a genuine passion for this business and it shows in my results! REggIE TAnzoLA
expert Burnaby living
reGGIe tANZOLA
604.657.7101 • rtanzola@rennie.com rennie.com/reggietanzola
rennie.com
Real Estate Resource Guide 13
Home Checklist Before you start looking for a new house, take a moment to figure out what you need or want. This will help your real estate agent narrow down the right houses to show you.
Interior
Want
One bedroom Two bedroom Three bedroom
Exterior
Want
Need
Four bedroom
Large lot and yard
One bathroom
Low maintenance yard
Two bathrooms
Single family detached home
Three bathrooms
Basement suite
Four bathrooms
Town home
Closet in entry
Condominium
Separate dining room
One story
Fireplace in living room
Two stories
Separate family room
Three stories
Fireplace in family room
Fenced back yard
Eat in kitchen
Deck or patio area
Island kitchen
Attached garage
Kitchen appliances with purchase
One car garage
Laundry room
Two car garage
Master bedroom ensuite
Private driveway
Main floor bathroom
Aluminum siding
Carpeting
Wood siding
Hardwood floors
Brick exterior
Large windows
Recently painted woodwork
Basement
Mortgages Made Easy Looking for a new mortgage or refinancing? Look no further — G&F Financial Group will come to you! Applying is easy and our Mobile Relationship Manager will meet with you at your convenience. To learn more, contact a Mortgage Relationship Manager today!
604-419-8888
14 Real Estate Resource Guide
|
www.GFFG.com
Need
Glossary of Terms Amortization – The number of years it takes to repay the entire amount of a mortgage. Appraisal – An estimate of a property’s market value, used by lenders in determining the amount of the mortgage. Appreciation – The increase of a property’s value over time. Assessment – The value of a property, set by the local municipality, for the purposes of calculating property tax. Assumable Mortgage – A mortgage help on a property by the seller that can be taken over by the buyer, who then accepts responsibility for making the mortgage payments. Closed Mortgage – A mortgage that cannot be prepaid, renegotiated or refinanced during its term. Closing Costs – Expenses in addition to the purchase price for buying and selling a property. Closing Date – The date on which the title and keys to the property are transferred from the seller to the buyer, and the money is paid. Conventional Mortgage – A mortgage loan that does not exceed 80% of the lending value of the property. Counteroffer – One party’s written response to the other party’s offer during the negotiation of a real estate purchase between buyer and seller. Credit Report – A snapshot of your credit history and one of the main tools lenders use to decide whether or not to give you credit.
Credit Score – A numeric rating that is a reflection of your financial health at a specific point in time indicaing the risk you represent to lenders. Debt Service Ratio – The percentage of a borrower’s gross income that can be used for housing costs, including mortgage payment and taxes. Deposit – A payment made when you make an Offer to Purchase to show that you are a serious buyer. The deposit will form part of your down payment. Down Payment – The part of the purchase price of a property that the buyer pays in cash and does not finance with a mortgage. Equity – The difference between the price for which a property can be sold and the mortgage on the property. Fixed Rate Mortgage - A mortgage for which the interest rate does not change for the length of the mortgage term. Foreclosure – A legal process by which the lender takes possession and ownership of a property when the borrower doesn’t meet the mortgage obligations. Gross Debt Service Ratio – A general rule is that your housing costs (mortgage payments, taxes, heating) should not be more than 32% of your gross monthly income. High Ratio Mortgage – A mortgage that exceeds 80% of the loan-to-value ratio; must be insured by either the Canada Mortgage and Housing Corporation or a private insurer to protect the lender against default by the borrower who has less equity invested in the property.
Interest – The cost of borrowing money. Interest Rate – The return the lender receives for advancing the mortgage funds required by the borrower to purchase a property. Joint Tenancy – A form of ownership in which two or more individuals (often spouses) have an equal share in he ownership of a property. Lien – Any legal claim against a property, filed to ensure payment of a debt. Listing Agreement – The contract between the listing broker and an owner, authorizing the REALTOR® to facilitate the sale or lease of a property. Listing Broker – The REALTOR® who signs a contract with an owner to sell the property Mortgage – A contract between a borrower and a lender. The borrower pledges a property as security to guarantee repayment of the mortgage debt. Mortgage Broker – A person or company having contacts with financial institutions or individuals wishing to invest in mortgages. Mortgage Default Insurance – Governmentbacked or privately-backed insurance protecting the lender against the borrower’s default on their mortgage. Mortgage Payment – Regular installments made towards paying off principal and interest on a mortgage. Mortgage Term – The length of time a lender will loan mortgage funds to a borrower. Most run from six months to five years, after which the borrower can repay the balance of the mortgage or renegotiate the mortgage for another term.
Open Mortgage – A mortgage that can be prepaid or renegotiated at any time and in any amount without penalty. Pre-approved Mortgage – Tentatively approved by a financial institution for a specified amount, interest rate and monthly payment. Principal – The mortgage amount initially borrowed, or the portion still owing on the mortgage. Interest is calculated on the principal amount. Term – The period of time your mortgage agreement will be in effect. At the end of the term, you either pay off the mortgage in full, renew it or renegotiate it. Title – Legal evidence of ownership of a property. Title Insurance – A lender, lawyer or notary may suggest you get insurance covering the loss caused by defects of title to the property. Title Search – A detailed examination of the ownership documents to ensure there are no liens or other encumbrances on the property and no questions regarding the seller’s ownership claim. Total Debt Service Ratio – The maximum percentage of a borrower’s income that a lender will consider for all debt repayment including a mortgage. Variable Rate Mortgage – A mortgage for which payments are fixed, but whose interest rate changes in relationship to fluctuating market interest rates. If rates go up, a larger portion of the payment goes to interest. If rates go down, a larger portion of the payment is applied to the principal.
Real Estate Resource Guide 15
Centre Realty
2009 - 2012
www.BrianVidas.com | www.BrianVidas.ca | www.VancouverLuxuryHomes.com
604.671.5259
PERSONAL REAL ESTATE CORPORATION
BRIAN VIDAS
—Brian
I am committed to offering all of my clients the highest level of service. Your property will always be presented in a professional manner. 100% client satisfaction guaranteed! Looking forward to hearing from you soon.
Put my experience to work for you.