July 2016 Issue 121

REAL ESTATEM A R K E T W A T C H

JULY 2016 - VOL 86

Your Home Sold

Or I’ll Buy It!*GUARANTEED

PRESENTED BY THE THE GOLFI TEAM

THE GOLFI TEAM IS STILL

REAL ESTATEM A R K E T W A T C H

BREAKING NEWS

We have THOUSANDSof buyer in our database!

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Do you need mortgage life insurance?Mortgage protection can be a good idea, if for instance you have a condition or illness that might make it difficult to get insurance otherwise.Q: I am a single, 70-year-old with a reasonable mortgage of $115,000. I have no family and no dependants. I find that the life insurance on my mortgage is too expensive. Do I need mortgage life insurance anyway? What for?—Katerina

A: I’m glad that you noticed the life insurance you’re paying on your mortgage, Katerina. Many people don’t even know if their mortgage is insured or not in the first place. Click on your mortgage when online banking or check your most recent mortgage statement and you will most likely notice a reference to your mortgage being protected or insured or potentially not protected or not insured.

This insurance coverage is typically a combination of life insurance and disability insurance. In the event of death, the life insurance component of the policy pays off the outstanding mortgage. In the event of disability, the disability insurance component of the policy makes your regular payments. Banks are prohibited from selling most types of insurance in their branches other than life and disability insurance on credit products. The Canadian government has purposely done this to encourage competition in the insurance industry (primarily to ensure low premiums) as well as to avoid tied selling (needing to buy insurance in order to get approved for a mortgage). When you sign the multitude of papers the bank puts in front of you to get a mortgage, the financial adviser may ask you to initial a document to either insure or not insure your mortgage. My guess, Katerina, is that you initialed that “yes,” you wanted mortgage life insurance, also known as mortgage protection insurance.

A number of years back, I got a mortgage and specifically opted out of mortgage life insurance. Not long after, I realized that my mortgage was “protected” with mortgage insurance that I had said no to in the first place. So sometimes, you end up with mortgage life insurance even when you don’t want it!

Katerina, mortgage life insurance is more expensive than most group or individual insurance coverage. So you’re probably right—it is likely pretty expensive compared to other insurance alternatives. Sometimes mortgage life insurance is a good idea. For example, if you have a condition or illness that might make it difficult or impossible to get life or disability insurance separate from your mortgage. But for you to have insurance when you are retired and don’t have any beneficiaries, Katerina, is questionable. I’d say that most average Canadians should be considering insurance solely as a risk management tool. That is, if there is a financial risk of you becoming disabled or dying either to you being able to provide for yourself or for your beneficiaries financially, you should consider insurance.

If you die, Katerina, with no family and no beneficiaries, the insurance serves only to provide a larger estate for you to leave to friends or charities. I’d say the cost of you incurring expensive insurance premiums at the age of 70 on an expensive mortgage life insurance policy is not even remotely appropriate.

Mortgage life insurance is profitable for banks. And it’s profitable for the financial advisers who get you to buy it. They’re often bonused on making sales like mortgage life insurance. Financial advisers are not fiduciaries. In fact, they’re sometimes not even financial advisers because they’re not really advising you on your finances. Most financial advisers are salespeople who work for a company and get paid to sell stuff. In this case, a financial adviser who is paid to sell things like mortgage life insurance got you to buy something that you don’t need. And because they’re not a fiduciary and don’t need to put your interests before their own, there’s nothing legally wrong with what they did—just morally wrong.

The financial industry is awash with questionable morals. I’d say this is an unfortunate case of someone putting their own financial interests ahead of yours. I’d also say that the bank is at fault for not having appropriate compliance oversight to question why a single, 70-year-old with no family or beneficiaries would benefit from mortgage life insurance.

I don’t like knocking the financial industry publicly, because it contributes to the distrust that exists of financial advisers. But maybe if enough people raise enough of a fuss in cases like this, consumers, companies, regulators and governments might help to ensure that financial advisers start to advise people on their finances instead of opting to line their own pockets.

PLEASE NOTE: Mortgage life insurance may sometimes be expensive compared to other alternatives, but that doesn’t mean you should go cancelling your mortgage life insurance after reading this article. First you should determine, potentially with the help of a professional, if you need insurance and how much. Then consider your alternatives. And before cancelling any insurance policy, make you that, if you need insurance, you already have a replacement policy in place.by Jason Heath: a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products.

July 2016 The GOLFI TEAM Real Estate Market Watch Page 9

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July 2016The GOLFI TEAM Real Estate Market Watch

First Year of 5 Year Lease.Commercial tenant pays all utilities and property taxes except the portion of taxes for apartment. Used as restaurant/bar with full kitchen, 3 washrooms, 2 furnaces and central air. Partial basement with very large apartment rented $700.00 plus all utilities. Each unit has separate meters. 79 Erie Avenue, Unit 75, Brantford | $419,900

Investors Alert!Solid 2 storey mixed use commercial/residential property in the improving Barton St. Village. Approximately 1800 sq.ft main floor building and 2-1 bedroom units on second floor 600 sq. ft each. Priced to sell!764 Barton Street East, Hamilton| $349,900

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Rare 4 Bedroom Freehold End UnitMany upgrades with neutral decor, coffee accents, hardwood and ceramic floors and upgraded appliances. Off the kitchen deck, provides a covered walk-out for the downstairs. 2 parking spaces and a garage. $38/mo. road fee. Alarm system available. 23 England Terrace, Stoney Creek | $448,900

Modern Luxury In This 4+1 Bedroom Home 2 storey home. Foyer wih cathedral/vaulted ceilings. Open concept main floor with gas fireplace. Oak kitchen with granite. Mud/laundry room. Master With 5pc ensuite, walk-in closet & engineered hardwood. Jack & Jill washroom. Fully finished basement.86 Assisi Street, Hamilton | $739,900

Retail Space for Lease! Retail space for lease along King Street E in a good retail area. One parking place at the rear and metered street parking. Open area would suit salon, store, studio etc. Large front windows. Along public transit route. Full basement with 2 washrooms. 599 King Street East, Hamilton | $950 /mth

Shows Like A Dream! Awesome beauty! Upgraded features include hardwood floors, oak staircase, crown moulding, California shutters, kitchen with upgraded cabinetry and granite counter tops, large bedrooms, finished rec-room with walk-out to luxury salt water pool & waterfall. 43 Bookjans Drive, Ancaster | $799,900

Large House, Office, Studio! Walk to Gage Park. 2 plus 1 bedroom, 2.5 storey home. Three car parking in front, art studio in the lower level, seller willing to rent lower level and first floor for $2000.00 a month for a year. Backyard retreat, balcony on second level, third floor family room or bedroom.942 Main Street East, Hamilton | $399,900

Investment Opportunity! Attention all investors, renovators, or first time home buyers! Beautiful Bungalow features 3 bedrooms, 1 bathroom, new roof, new water heater, and new furnace. Close to Tim Horton’s field, amenities and schools. Needs some TLC. 48 Highland Avenue, Hamilton | $179,900

2 bedroom Condo!Live in downtown Hamilton’s trendy James St. S. upgraded kitchen , granite counter tops and stainless steel appliances, in-suite laundry, private yard with BBQ, 24hr concierge, lawn with small dog park, outdoor private patio, steps to the GO station2373 King Street East, U#21, Hamilton | $124,900

Gorgeous Losani Built Freehold Townhome Features open concept floor plan, upgraded kitchen with granite, large master bedroom with walk-in closet, ensuite with large soaker tub, shower and laundry on bedroom level. Fully finished basement with bathroom, rec-room and storage. A very functional layout. No laneway fees and located on a very quiet street.156 Edenrock Drive, Stoney Creek | $399,900

2 Bedroom Condo!Live in downtown Hamilton’s trendy James St. S. upgraded kitchen, granite counter tops and stainless steel appliances, ensuite laundry, private yard with BBQ, 24hr concierge, lawn with small dog park, outdoor private patio, steps to the GO station.135 James Street South, U# 106, Hamilton | $259,900

Attention Investors, West End 2 Bedroom! 2 bedroom, 1.5 bath home on quiet dead end street. Gas stove/BBQ hookup, some updates to baths, stacked laundry, plenty of storage and room in basement for hobby bench or craft corner. Hot tub sitting on deck cut out, hot tub can be negotiated separately with seller, sheds not included. 35 Baker Street, Hamilton | $279,900

ROB GOLFISales Representative

Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook


Call Today 905-945-0188

Raised Bungalow on 6.78 Acres 3+2 bedroom bungalow with your own fishing pond & hunting grounds. Updates: kitchen counter, built-in oven, newer appliances, baths, three tiered covered deck, 50yr. shingles, rear entrance into finished basement with rec room, gas fireplace & woodstove. 125 Hutchinson Road, Lowbanks | $599,900

Exudes Character & Warmth!This 2.5 story home exudes character & warmth. Open concept living with new custom kitchen cabinets, granite counter & new SS appliances. Stylish flooring with 2 luxury master suites & 4 baths. Windows, roof, updated wiring all ’16 & newer furnace.20 Senator Avenue, Hamilton | $449,900

Spacious & Well Cared For Bungalow!Executive 4+2 bedroom home! Upgrades: Granite in kitchen, prof. painted, roof in May ‘16., main floor den/bedroom, built-in wall unit, in-law suite, entertainers dream home. Prof. landscaped backyard, perennial gardens and parking for 4 cars. 78 Walcotte Avenue, Ancaster | $725,000


Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook

JUNE REAL ESTATE MARKET STILL SIZZLINGThe REALTORS® Association of Hamilton-Burlington (RAHB) reported 1,877 sales were processed through the RAHB Multiple Listing Service® (MLS®) System in June. Sales were 8.8 per cent lower than the same month last year yet were still the second highest sales on record.

There were 2,213 properties listed in June, a decrease of 12.9 per cent compared to June of last year. “June sales may have been lower than last year in June,” said RAHB President Kim Alvarez. “but they were still outstanding. Last June sales set an all-time record; this year, all property sales were 25 per cent higher than the 10-year average and the second-highest on record.” Seasonally adjusted* sales of residential properties were 9.2 per cent lower than the same month last year, with the average sale price up 12.7 per cent for the month. Seasonally adjusted numbers of new listings were 12.1 per cent lower than June of 2015.

Seasonally adjusted data for residential properties for the month of June, 2016:

Actual overall residential sales of 1,787 units were 9.8 per cent lower than the same month last year. Residential freehold sales were 7.4 per cent lower than June of 2015 while sales in the condominium market decreased by 20 per cent.

The median price of freehold properties increased by 15.3 per cent over the same month last year while the median price for condominium properties increased by 18.8 per cent compared to the same period. The average price of freehold properties showed an increase of 13.6 per cent compared to June of last year; the average sale price in the condominium market increased by 12.1 per cent when compared to the same period.

Average sale price is based on the total dollar volume of all properties sold through the RAHB MLS® System. Average sale price can be useful in establishing long term trends, but should not be used as an indicator that specific properties have increased or decreased in value. Contact a REALTOR® for information about your area or property.

“Listing inventory is still way down, with just a little over a month of inventory in the residential market,” noted Alvarez. “With the average days on market at 22 in the freehold market – which is one of the lowest in recent years - buyers would be well-advised to use a REALTOR® to help them navigate through this fast-paced market.” The average days on market decreased from 29 to 22 days in the freehold market and from 30 to 27 days in the condominium market, compared to June of last year.

The numbers for the month of June, 2016 compared to June, 2015:


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July 2016 The GOLFI TEAM Real Estate Market Watch

Brought to you by:Supporting the

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Centennial Park (Nelles School), 108 Main Street East, GrimsbyFamily Activities – 7:30 pm • Movie Starts – 9:00 pm

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Page 7


Large Bed & Breakfast Bed & Breakfast overlooking the gorge of Niagara River, Scarlett O’Hara staircase, 5 private rooms with ensuite baths, dining room, family room with wood fireplace, party room, plus 3 bedroom living quarters. Double garage & parking off the rear. Bookings through Expedia. Rates very $125-$175 a night. 5287 River Road, Niagara Falls | $969,900

What a fantastic experience. Ashley Sidler was professional, knowledgeable and most of all trustworthy. Ashley was honest about what was best for our family. Every step of the way she communicated with us to make sure we were comfortable with every decision. Her efforts and hard work got us the best price. Ashley is personable, available and most of all she made us feel like we were her number one priority. I would not hesitate to recommend her to anyone. Move over Rob, Ashley gets it SOLD!!!-Maya

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Grimsby, Beamsville, Lincoln & West Lincoln

2 Storey Townhome2 Storey Townhome close to parks, schools & highway access. Open floor plan with 3 bedroom, master ensuite with walk-in closet, fully fenced yard. Kitchen with backsplash & task lighting380 Lake Street, U# 38, Grimsby | $399,900

Stately Home with In-Law Suite!Home features 3 car garage, main floor dining room, great room, large eat-in kitchen, laundry and office. 1 bedroom in-law suite with separate laundry and entrance. Basement partially finished and backyard with above ground pool. 701 Broman Court, Caistorville | $724,900

Great Location For This Live/Work PropertyExtensively renovated home & shop on busy HWY 20. 4+1 backsplit open concept main floor with lower level oversized family room & sunroom. Shop currently utilized for Auto Body/Car Sales. Call for more details. 9747 #20 Highway, West Lincoln | $1,269,900

Enchanting Escarpment Property!This 2900 sqft home with open & inviting floor plan show like a dream, features family size kitchen, showcase gas fireplace in family room, spa inspired ensuite, prof. finished basement with spare bedroom & bath, terrace doors to private yard.31 Bell Avenue, Grimsby | $825,000

2 Acres Country Property on Deep LotCountry property with trees, meadow & pond with island. Most of the home has been re-finished with new drywall. 4pc bath with jetted tub. Cistern & drilled well on the property (2010), C/Air (2010), most shingles (2010). Detached 2 door garage with cement floor and loft area with large bright windows. 8231 5th Concession Road, West Lincoln | $579,900

Great 3 Bedroom Bungalow3 bedroom bungalow, 2 car garage with large basement rec room, in-ground saltwater pool, 30x50ft workshop/office, sunroom and washroom. Roof ’11, Eaves/Soffit, Furnace/A/C ’14, main , gas fireplace ’13 9447 Silver Street, West Lincoln | $799,900

3 Bedroom Condo Move in Ready!3 BR Condo in Streetsville. Perfect starter/investment property with appliances included! This condo features hardwood floors, finished basement, 3 bedrooms, eat-in kitchen, living room/dining room, laundry, walk-out to patio, playgrounds for children & low condo fees. 6650 Falconer Drive, U# 79, Mississauga | $325,000

Custom Bungalow on 1 acre lot!3300 sqft 4+1 bedroom, 5 bathroom custom built bungalow with a separate entrance IN-LAW set-up nestled on a 1 acre lot tucked away in a secluded upscale neighbourhood featuring a resort style private backyard yard. *Note this home is fully wheelchair accessible with elevator. 19 Alder Crescent, Fenwick | $999,950

OUR 5 CUSTOMER REVIEWS

Gorgeous 3000 sq.ft. All Brick Victorian HomeVictorian home CIRCA 1900. With Carriage house, all original wood trim, hardwood floors, finished loft, slate tile roof, new furnace, kitchen with island, carriage house ideal for in-law with full kitchen and bathroom and separate furnace and central air.168 Main Street East, Grimsby | $799,900


Call Today 905-945-0188

What Every Canadian Should Know About Home Insurance PoliciesHome insurance policies can vary widely in many ways, including what losses are covered, how much the deductible is, and the coverage limitations. Understanding your home insurance policy thoroughly can help you decide which policy is the best to protect your property and your family. Here are the basic components that make up most home insurance policies:

DwellingThis part of your home insurance policy covers the structure (your house), as well as attached structures and fixtures. This could include decks, porches, garages, etc. You need to ensure that this part of your policy remains up to date – as the value of your home can change annually, and if you add any items that increase the value of your home (decks, air conditioning, dishwasher, etc.) then you may need to adjust your coverage.

Additional StructuresThis portion of your policy covers any structures on your property that are detached from your home, such as garages, patios, fences, and storage sheds. However, outbuildings that are used to house a business or are used for business purposes won’t necessarily be covered under your typical home insurance policy.

Personal PropertyOne of the most vital parts of your home insurance policy is coverage for your personal items. It is important to take note of whether your policy covers your property for replacement cost or actual cash value. In the case of a claim, replacement cost will allot you the total cost to replace the items affected, whereas actual cash value policy will only pay out the value of your item, pro-rated for age, use and condition. If you have items in your home that are out of the ordinary and particularly valuable (i.e. art, electronics, jewelery, bikes, etc) you’ll want to ensure that your policy covers these items. If they are valued beyond

the limits outlined in your policy, most insurance providers will allow you to add additional coverage for these specialty items.

Loss of UseIf your home is uninhabitable after a claim, then loss of use insurance will help your family manage while your home is being rebuilt or repaired. Hotel expenses, meals, and incidental expenses are covered by this portion of your home insurance policy, typically for a specified period of time or to a maximum dollar amount.

EndorsementsThese are individual additions to your policy and can provide extra coverage. Common endorsements include:

• Guaranteed Replacement Cost: Provides the policy holder with the full replacement cost of their home. Home owners can also choose endorsements that provide 20% or more additional funds in case there are extra costs for the new/replacement construction.

• Inflation Protection: Matches the payout of your insurance policy to appropriate inflation.

• Scheduled Items: Allows you to declare particular items of value that may not normally be covered under a regular policy, or increases coverage of these items. Can include possessions such as art, rare collections, firearms, and computers.

• Secondary Residence Insurance: Covers another home, cottage, or residence that your family regularly uses.

• Additional Theft Coverage & Forgery Protection: Gives the homeowner added protection from theft of items in an automobile, trailer, or other personal vehicle, and protects from forgery and credit card theft.

Choosing Perils CoverageMost standard policies are referred to as comprehensive – meaning they cover all perils except those which are specifically excluded. Many times you can have additional perils covered for a cost. However, if you are looking to save money on home insurance, then considering a basic or named perils policy might help you to do that by allowing you to name which risks you would like covered – like fire or theft, while excluding all other risks.

Once you fully understand the components of home insurance, you’re in a prime position to examine your own home insurance policy and make an informed decision. You can adjust your coverage to better meet your needs, or look for cheap home insurance by getting quotes from different providers. Either way, you’ll be able to rest easy, making sure that you have the coverage you need, and feeling confident that you’re paying an appropriate premium for the protection you have.


Call Today 905-575-7700

Page 10 The Golfi Team Real Estate Market Watch June 2015

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MarketplaceMarketplace

HOME STAGING

Jacqueline Paradisi

Paul Lewis SettimiBarrister, Solicitor and Notary Public

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Bus: 289-235-7500Fax: 905-527-0774

Real Estate Lawyer

[email protected]

Laura BielakSales Representative, The Golfi Team 905-575-7700

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Crossword Solution

if you’d like to learn how Bni(www.bnigh.com) works and what it cando for your business, call or email me [email protected]. i can arrange for you to visit a chaptermeeting close to you so you can see howBni helps members develop referralbusiness relationships.two Bni chapters in the Gta recentlyreported referral business totaling $1m forthe past year!

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Page 10

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HOME STAGING

Jacqueline Paradisi




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Page 10 The Golfi Team Real Estate Market Watch August 2015

www.GolfiTeam.com


HOME STAGING

Jacqueline Paradisi




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[email protected]




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MarketWatch August 2015 30/07/15 4:52 PM Page 10

AGM Invitation

The Board of Directors and Administration of the Grimsby Benevolent Fund cordially invites you to join us at our Annual Meeting. Thursday, June 23, 2016, 6:00pm Town Hall, Council Chambers, 160 Livingston Avenue Grimsby ON

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CONSUMER FEATURE

On November 1, 2012, Ex-pert Mortgage launched the“85-Alive” program in Ontario.The concept was simple: aslong as you had a pulse, Ex-pert Mortgage would provideyou with a home equity loan,up to 85 per cent of the valueof your property. No job re-quired. Bad credit, OK.

The reason why ExpertMortgage could offer a “noquestions asked” lending pro-gram, while the major bankscould not, is that they repre-sent over 200 private lenderswho lend strictly on propertyvalue. These subprime lendersspecialize in mortgage clientswho have had some bad luck,and need a helping hand untilthey get back on their feet.

The program has been sosuccessful that Expert Mort-gage can barely keep up withthe volume of calls. To helpfund this unexpectedly largenumber of borrowers, it haspartnered up with dozensmore private lenders.

Licensed Mortgage Agent Rashida Riel Expert Mort-gage’s “85-Alive” representa-tive for the Golden Horshoe Region, says, “We’re seeing mostly homeowners behind on mortgage and property taxes. The banks are refus-ing to restructure their loans. Many of these people have lost jobs due to the bad economy... or they’re self-employed. Unless you are a perfect applicant, the bank doesn’t want to talk to you.”

But not everyone condonesExpert Mortgage’s easy lend-ing criteria. A local real estateagent with 25 years of experi-ence, who has asked to remainanonymous, says, “When thismarket turns down, it’s goingto get ugly! It’s utter financialsuicide for Expert Mortgageto be giving money away soeasily to clients without theability to make payments. I’dbe surprised if they’re still inbusiness five years from now.”

Nonetheless, homeowners

like Anita P. don’t see a prob-lem with the program. Whenquestioned on how she planson making payments on hermortgage when she has noincome, Anita responds, “Wewere four months behind onour mortgage and they savedour house. My husband hasbeen unemployed for ninemonths. He won’t be unem-ployed forever. We used the85-Alive loan to pay off all ourdebits. We also had $25,000left over that we put in thebank for emergencies. And tomake life easy, they worked itout so we have no mortgagepayments for 12 months.”

For more details on the ”85-Alive” program, contact Rashida Riel www.RashidaRiel.ca 905-531-6223 or 1-888-334-6089

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New program provides emergencymortgage loans to homeowners

Crossword Solutions How to Play Sudoku

Level: Hard

Fill in the grid above, so that each row of 9 squares, each column of nine and each section of 9 (three squares by three) contains the numbers 1 through 9 in any order. There is only one solution for the puzzle and the numbers shown can NOT be changed.

Richard Matakovic, and Matakovic Wealth Management provide sound, disciplined and all-encompassing wealth management advice to business owners, professionals and families who seek answers to the challenges in our ever changing world. We take the complexity of managing wealth and simplify it through building strong relationships with our clients and through understanding what is truly important to them. Backed by TD Wealth we have access to the expertise that will help guide you to the strategies and solutions that are best suited to your circumstance.

With over 15 years of experience in the industry, Richard is honored to have many strong and trusted client relationships that have developed through truly getting to know these families.

Richard is committed to continuous education in order to always bring the best to bear for his clients, along with a degree from the University of Ottawa, Richard is proud to have earned the Financial Management Advisor (FMA), Canadian Investment Manager (CIM), and Fellow of Canadian Securities Institute (FCSI) designations.

Richard is very involved within the community as he volunteers coaching minor soccer and high school football in the Hamilton area.

"I look forward to exploring wealth management strategies and solutions with you as we work together towards achieving your unique financial goals."


www.GolfiTeam.com

19 ALDER CRESCENT

CUSTOM BUNGALOW! 1 ACRE LOT!Welcome to 19 Alders Crescent a sensational Fenwick Estate nestled on a private 1 acre lot with over 3000 sq.ft. of main floor living space. This bungalow provides a unparalleled venue for indoor and outdoor entertaining. Beautiful tile and real wood flooring throughout the foyer, formal living and dining room. The impressive kitchen boasts cherry wood cabinetry, granite counters and stainless steel appliances that accompany a family room with gas fireplace and entertainment centre. The home offers 4 bedrooms, 4 bathrooms, 2 ensuites and a elevator on the main floor. Enjoy coming home after a round of golf or a hike through the short Hills to a tranquil resort style backyard and take a refreshing dip in the heated salt water pool. The one bedroom/one bath partially finished basement with in-law suite and separate entrance is the perfect private retreat for friends and or family. Other features include: All stone exterior, paved driveway, triple car garage, interior/exterior pot lighting, manicured grounds with mature trees, gas BBQ hook up, california shutters, main floor laundry and central vacuum. This entire home is fully wheel chair accessible! Call The Golfi Team today at 905-945-0188 for a private viewing or visit our website at www.robgolfi.com.


Chris SarievskiJoins The Golfi Team!

Feature Home in Fenwick

Chris Sarievski is a consistent top performing realtor in the Hamilton Burlington real estate market, he goes the extra mile and works to get the results his clients deserve and expect from him.

His clientele consists of first time buyers that take comfort in knowing that he will take the time to guide them through the home buying process and answer any questions they have and he strives to make the home buying process as simple and enjoyable as it can be.

Sellers benefit from his years of experience and tenacious style and ultimately hire Chris to deliver superior results!

His goal is to make the selling process an amazing experience for his sellers while achieving the highest selling price possible for their home.

Chris is known for his no nonsense direct approach will tell you the facts straight and excels at negotiating the tough deals.

His personable and professional character allows Chris to build and maintain solid relationships which contributes to his business growing from repeat and referral clients. He is also fluent in Macedonian, Serbian and Croatian. Thinking of buying or selling? Call Chris now!

Chris SarievskiSales Representative Cell: 905-929-7471Office: [email protected]

July 2016 Issue 121

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