Larry White The Mortgage Centre 416).410-8408  mortgagematters.ca larry@mortgagematters.ca  Service Area: East and Central Toronto, Scarborough  Gary Curtis Scotiabank 416.729.1476 garycurtis.ca gary.curtis@scotiabank.com Service Area: East and Central Toronto, Scarborough

Arranging a  mortgage can be a daunting experience. Let these mortgage professionals  help you negotiate the best rates.

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1. Now that you have decided to move, whether because of a transfer, moving to a smaller or larger house, the first thing you need to do is to choose the area you want to move to, to determine the average price of homes in the area and work out what financing you can afford.
2. Make a list including 1/ the inclusions and exclusions of your home (the items you are willing or not willing to be sold with your home); 2/ a pre-home inspection report, if completed; and 3/ a list of any known problems (i.e. leaking basement, UFFI).
3. Have all necessary documents ready, including mortgage information, tax assessments info, surveys, maintenance fee papers and management company information (for condos).
4. Have a list of improvements and upgrades completed (what was done, when and where).
5. Have a garage sale and throw out things that you no longer use, which add clutter to a home and makes it less appealing. Ask me for complimentary garage sale signs.
6. The exterior appearance of your home or "curb appeal" is very important and will bring you extra dollars. Your home should look well-maintained and your lawn and gardens well-cared for.
7. Interior appearance is very important as well. "Pride of Ownership" is what impresses purchasers. Walls should be clean and unmarked, kitchens and bathrooms sparkling clean, and appliances dusted clean. Make it look like a clean, clutter-free and inviting home.
8. There are a number of helpful things you can do around your home just prior to showing it. I will discuss the complete list of interior and exterior preparations as well as leaving you a checklist you can use.
9. Choose a professional real estate agent whom you can work with well and trust - an agent whose [past performance and continuous client referrals reflect the honesty, integrity and dedication to her work as well as the experience and knowledge to obtain the best results for you.
10. Set the right price. Accurately pricing your home clear reflects your motivation to sell. A fair market priced will sell faster and at a higher price, and with minimum inconvenience to you. I will be happy to share my experience and knowledge with you.