2008 Home Buying and Selling Guide Ebook

Tino Sequeira
Sales Representative
HomeLife Response Realty Inc., Brokerage*
24 Hours Phone: 905.949.0070 Direct: 647.207.8466
Email: Tino@Tinosellshomes.com
Internet: www.Tinosellshomes.com
*INDEPENDENTLY OWNED & OPERATED
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NOT INTENDED TO SEVER ANY CONTRACTS IN PLACE

Contents
INTRODUCTION .......................................................................................................................................................1
HOW DO HOME BUYERS LOCATE THEIR DREAM HOME?............................................................................................2
THE 20-POINT TEST™ TO EVALUATE A REALTOR® ...................................................................................3
BUYING A HOME – A PRELIMINARY GUIDE...................................................................................................5
MISSION STATEMENT .................................................................................................................................................5
ASSUMPTIONS ............................................................................................................................................................5
THE BENEFITS OF AUTHORIZING A RELIABLE REALTOR® TO ACT ON YOUR BEHALF ...............................................6
THE HOME BUYING PROCESS AND WORK INVOLVED...............................................................................7
BENEFITS OF THE GROUP LOYALTY PLAN©.................................................................................................8
FREQUENTLY ASKED QUESTIONS FROM FIRST TIME BUYERS ..............................................................9
FREQUENTLY ASKED QUESTIONS FROM INVESTORS..............................................................................13
HOMEBUYING SERVICES COMMITMENT .....................................................................................................14
THE HOME SELLING PROCESS AND WORK INVOLVED ...........................................................................15
MISSION STATEMENT ...............................................................................................................................................15
ASSUMPTIONS ..........................................................................................................................................................15
MY 20-POINT HIGHER STANDARDS PLAN OF ACTION ......................................................................17
HomeLife’s Promise To You ..................................................................................................................................... 17
FREQUENTLY ASKED QUESTIONS FROM SELLERS...................................................................................18

EXCERPTS TAKEN FROM THE MARCH 2008 ISSUE OF MARKET WATCH (REAL ESTATE) ...........23
REAL ESTATE / TITLE FRAUD – ARE YOU AT RISK?..................................................................................24
HOW AM I DIFFERENT FROM OTHER REALTOR®S?.................................................................................28
RELOCATION ASSISTANCE .......................................................................................................................................28
INFORMATION ON MONTHLY MORTGAGE PAYMENT AND CLOSING COSTS .............................................................28
MY PROFILE .............................................................................................................................................................29
TESTIMONIALS .........................................................................................................................................................29
APPENDIX A – CLIENT INFORMATION...........................................................................................................32
APPENDIX B – HOUSE DATA SHEET ................................................................................................................33
APPENDIX C – A SIMPLE EXAMPLE OF MONTHLY PAYMENTS AND CLOSING COSTS ..................34
SOME IMPORTANT PHONE NUMBERS............................................................................................................35
Copyright © 2006-08 – Reg.No.1042498 - All rights reserved – No duplicating allowed without the author’s written permission
ii The 2008 Home Buying & Selling Guide© from Tino Sequeira (Email: Tino@TinoSellsHomes.com)
Introduction
Introduction
Buying or selling a home is one of the most important and expensive decisions for most
people. Several factors including financial, employment, emotional, etc. are involved.
Very often people are reluctant to enter into the home buying or selling process,
because of the many unknowns and the impending stress involved. However, when you
deal with a licensed and dedicated**
REALTOR® who takes the time to ask
you questions and listens to your
individual situation, (e.g. not knowing
when to sell, or not having sufficient down
payment in liquid assets, or not having
sufficient down payment but are employed
in a lucrative job, etc.) you will find that the
home buying and selling processes can be
stress-free.
Information sharing is the most important
aspect of home buying and selling.
Throughout this document you will be enlightened with some basic information about
the home buying and selling processes.
When you authorize a reliable**

REALTOR® to act on your behalf
to buy or sell your home, the
REALTOR® should provide you 9Mortgage Pre-Approval obtained quickly
9All Charges Confirmed in time
with detailed information with a 9Tino found me the right home
customized plan of action specific 9Tino provided Financing (D.P) Information
to your individual needs. Very 9Tino provided me Home Inspection Informatio
often, REALTOR®s tend to take 9Tino provided me Lawyers Information
the easy way out and rush their 9Tino provided me Insurance Information
9Movers Information (How to avoid problems)
clients into buying or selling without 9Tino provided me R.E.fees info (PoM)
asking the right questions and
without providing the proper
information.
In this document there are included

the following topics. If you need
more information or would like to
find you a specific type of property,
please do not hesitate to contact
your REALTOR®:
The 2008 Home Buying & Selling eBook© from Tino Sequeira (Email: Tino@TinoSellsHomes.com) 1
Introduction
• Tips on how to pick a reliable REALTOR®

• Buying a Home – A Preliminary Guide
• The Home Buying Process and Work Involved
• Frequently asked questions from first time buyers
• Frequently asked questions from investors
• Homebuying Services Commitment
• Home Selling Process and Work Involved
• Frequently asked questions from sellers
• Homeselling Services Commitment
• The 20-Point Higher Standards Plan of Action
• Real Estate/Title Fraud – Are you at risk?
• How am I different from other REALTOR®s?
• Benefits of the Group Loyalty Plan©
• Appendix A – Client Information
• Appendix B – House Data Sheet
• Appendix C – Example of Monthly Payments and Closing Costs
**Please read the section on “Tips on How to Select a REALTOR®” on my website

www.tinosellshomes.com.
How do Home Buyers locate their Dream Home?

According to the National Association of REALTORS® Profile of Home Buyers and Sellers,
Homebuyers may use several information sources in their search process, but, they are most
likely to find the home they actually purchase through a real estate sales professional.
2 The 2008 Home Buying & Selling eBook© from Tino Sequeira (Email: Tino@TinoSellsHomes.com)
The 20-Point Test™ to Evaluate a REALTOR®
As you know, buying or selling a home involves making one of the most expensive decisions for
most people. And everyone wants a good deal. Correct?
One way for you to get a good deal is to know a lot about the real estate market and the
associated financial implications. Another way is to contact a reliable REALTOR® who is honest
and hardworking and whom you can
trust to provide with information
about the financial implications and
can assist you to get a good deal.
The problem is that, today there are
so many REALTORS® and one
gets confused as to who can provide
excellent service, give the right
information and also get you a good
deal.
To assist you to find out which
REALTOR® will work in your best
interests, following (next page) are a
series of questions (applicable to
both – buyers and sellers) which you
should ask when evaluating a
prospective REALTOR®. Some
questions deal with buying (8), some
with selling (7) and the rest deal with both (5). Each
question has 1 point. Depending on your individual situation
(i.e. buying or selling or both), in each category (SB/B/S) if
your “prospective” REALTOR® scores 100%, you can be
almost certain that he or she will work to your best
interests and assist you to get a good deal on the
subject property.
Please note that this evaluation only applies if you have
not signed any Buyer Representation Agreement or
listed your home already.
So, here goes the test. If your evaluation with your current
REALTOR® results in a total of less than 100% in any
category applicable to you (SB/B/S), you need to use my
services and ask the same questions and I will assure you
of scoring a 100% - your assurance of excellent service and
a good deal:
The 20-Point Test to Evaluate a REALTOR®:
SB = Selling or Buying B = Buying S = Selling Yes No Y/N Pts

SB Did your REALTOR® provide you with a Business Plan which shows you the detailed 1
steps when selling or buying a home/condo?
SB When selling or buying a resale home which does not have floor plans, has your 1
REALTOR® offered to provide you with floor plans for the benefits they provide – both
to the seller (to sell faster) and to the buyer, e.g. to arrange your home décor and
furniture, renovations, home improvements, etc.?
SB If your REALTOR® is a relative or close friend, are you comfortable sharing personal 1
financial information?
SB When you call or send an email to your REALTOR® ®, do you get a response 1
immediately?
SB When selling or buying a re-sale home, did your REALTOR® give you information on 1
the Home Warranty program?
B When buying a home, did your REALTOR® caution you that if the real estate deal is not 1
handled professionally and with all the safeguards, you could face expensive litigation?
B When buying a home, did your REALTOR® inform you how to avoid mortgage fraud? 1
B If you are looking for a home in a particular area and there are none listed on the MLS, 1
does your REALTOR® use the Laser Guided Home Buying (LGHB© ) technique to find
you that home?
B When buying a home, did your REALTOR® provide you with a breakdown of the 1
monthly expenses and the closing costs?
B When buying a home, did your REALTOR® do the analysis to show you how much 1
equity you would have in the property after say 5 years?
B When buying a home, did your REALTOR® show you how much interest you could 1
save by adjusting your mortgage payments?
B When you bought your current semi/detached home, or plan to buy your next home did 1
your REALTOR® provide you or promise to provide you with your very own copy of your
Home Manual?
B When buying a home did your REALTOR® offer you the Group Loyalty Plan© whereby 1
you could get a credit for home inspection and other closing costs?
S If you currently own a home, but, wanted to reduce your mortgage, did your 1
REALTOR® show you several plans?
S When selling your home, did your REALTOR® provide you with a “Home Selling 1
Commitment”?
S When selling your home, does your REALTOR® compromise on commission, and then 1
fails to market the property effectively?
S When selling your home, has your REALTOR® offered you the option of arranging a 1
“home staging” or other valuable techniques (i.e. Home Warranty, etc.) to increase the
value and/or appeal to motivate buyers?
S When selling an older home, has your REALTOR® discussed the benefits of having a 1
pre-inspection and prepared to bear the cost of the same to prove the point?
S When selling your home did your REALTOR® give you a timeline when the home would 1
be sold and met that timeline?
S When selling your home did your REALTOR® offer you the Group Loyalty Plan© 1
whereby you could get a discount on the real estate fees?
Buying a Home – A Preliminary Guide

Mission Statement
The mission statement of a reliable REALTOR® would be to provide clients with
personalized REALTOR® services which will enable them to buy a home according to
their individual criteria and assist them with providing all relevant information in a timely
manner.
Assumptions
1. Clients have signed an authorization which facilitates the
REALTOR® to represent their interests and enables them to have
all their questions and concerns addressed expeditiously.
2. Clients may or may not be first time

buyers and may not be familiar with the current home
buying process.
3. Clients may need to meet with their rental obligations and therefore would require
their house closing date to synchronize with their lease termination.
4. Clients have been qualified financially and may have

received mortgage pre-approval from a financial institution BANK OF PROSPERITY
or mortgage company.
5) Clients have provided the REALTOR® with information about their preference for
the area in which they are looking for a home.
6) Clients may or may not have been asked the right questions about the type of home
they are looking for or eligible to buy, i.e. detached, semi detached, condo
townhome, condominium apartment, freehold townhome, etc. as well as number of
bedrooms, washrooms, finished or unfinished basement, etc. etc.
The benefits of authorizing a reliable REALTOR® to act on your behalf

In order to have peace of mind when buying a piece of property, you will agree that trust
is involved. In other words, you must be serious about buying or selling a property. You
must also be actively looking for a property or actively wishing to sell your property. For
example, even though a client may not be serious about buying a property, he/she may
contact several REALTOR®S to find out about properties and even wants to see those
properties. Thereafter, the REALTOR®S work hard in identifying properties to help the
client. But, since the client is not serious, he/she does not sign any authorization, nor
shows seriousness in discussing potential properties, or cancels appointments, and fails
to be honest with the REALTOR®S. Remember, the REALTOR®S have had to spend a
lot of time and effort to locate properties for the client; but, had to cancel appointments.
This jeopardizes the REALTOR®S credibility and causes waste of resources to book
appointments, travel to the properties, inconveniencing vendors, etc. On the other hand,
by signing the authorization, a trust is established, responsibilities are defined and
above all, buyers rights are protected. And remember, you do not have to pay to sign
the authorization. Further, if you are not happy, you can cancel the authorization. The
benefits that accrue after signing the authorization with a reliable REALTOR® are as
follows:
1. The REALTOR® should provide you with a “step-

by-step” Home Buying Guide to show you exactly
what is involved in buying a home. The
REALTOR® should provide you with other value
added services.
2. The REALTOR® should immediately set you up in the

official MLS system to generate reports on a daily
basis of listings that come up with the criteria you requested.
3. The REALTOR® should take the time and make the effort to show you the
properties that fit within your criteria. Even if a home is not listed in the area you
want, the REALTOR® should try to find you a home there, only because you gave
the REALTOR® the authorization.
4. Other benefits are described in the section entitled: “How am I different from other
REALTOR®S?” in this document.
The Home Buying Process and Work Involved
The Home Buying Process and Work Involved

Once you authorize your REALTOR® to help you to find a home according to your
requirements, the REALTOR® should provide you with the Homebuying Services
Commitment along with the 16 critical steps that will assist you in the home buying
process. These steps will eliminate the “home buying stress syndrome” that affects
some first time homebuyers.
Following is the general strategy the reliable REALTOR® should follow to assist you to
buy a home:
1. You should be provided with a business plan that would show you how the
REALTOR® endeavours to assist you to buy your next home/condo sooner than
later. Some of the activities would include:
• Dedicated and professional research on the type and location of the property that
you are looking for.
• Using the power of an in-house network of over 150 sales REALTOR® s to find the
right home for you.
• Mapping your needs of the right home in the right location and motivating sellers to
meet your needs.
• Using a very specialized and unique process
e.g. LGHB© to locate the home in the area that
you want at the right price.
• Finding a property that meets your investment

needs (if any).
2. If required, arranging your financing pre-approval to empower you to negotiate with
the seller with confidence.
3. After showing the home, the REALTOR® should follow up with you and the seller to
find out how both the demands can be met.
4. The REALTOR® should assist you with valuable information regarding how to avoid
being a victim of title fraud, engaging reputable movers, how to avoid scams, etc.
Benefits of the Group Loyalty Plan(
Benefits of the Group Loyalty Plan©

When a group of clients sign into the plan as a group, they get the following *benefits.
Details are provided during a personal discussion:
1. They do not have to pay anything to sign into the Plan.
2. The savings they get when they buy or sell a home through the Group Loyalty
Plan© is at least $1,000+ (depending on the value of the home) - achieved as
follows:
a. Depending on their eligibility, they are offered a good discount below the posted
mortgage rates.
b. Due to Group/Volume Discounts, employees save towards Home
Inspections, Real Estate Fees, Lawyer’s Fees (excluding disbursements),
One year Home Warranty and even CMHC fees. Details are provided during
a personal discussion.
Normally, they would not be able to get this big saving if they bought or sold
a home on their own – or through another source.
3. They get a package deal which includes:
° Preferred Mortgage Rate
° Lawyer
° Home Inspection or One year Home Warranty (details available separately)
4. They do not have to spend time arranging for the above services as those are
arranged as part of the Group Loyalty Plan©. This means that once they join the
Plan and decide on a particular home, they have to sign the standard MLS
Agreement of Purchase and Sale (which is the “offer”). Once this is accepted and
the deal is executed, the rest of the paper work is taken care of by the plan. This
will take the load of looking for home inspectors, lawyers, mortgage
providers, etc. and also give them the benefit of the volume discounts.
5. They can relocate to a home, near their place of work sooner than later.
6. When they buy or sell a home through the GLP, we provide them with their very
own Home Buying/Selling Package, which gives them the detailed steps in the
home buying and selling process.
7. When they buy a home through the GLP, we provide them with their very own
Home Manual which provides information on the home, including the roof, windows,
heating, electrical, plumbing, etc. This helps them to look after their home better
and they know what to do if you have a problem.
Frequently Asked Questions from First Time Buyers

The following are the most frequently asked questions by first time home buyers. If you
have additional questions or need to discuss your individual situation, please contact
me or send me an email (Tino@Tinosellshomes.com) or call me at (647) 207-8466 and
I will respond to you promptly:
Q Why is it said that landlords get richer and renters don’t?

A It is because landlords have taken the trouble of wisely investing in real estate
and using their investment to generate income.
Q By renting, I do not have to do maintenance around the home and therefore have
freedom of time. Is this not better than owning a home?
A By owning your home, you may or may not have to do the maintenance
yourself, but, the main advantage is you have financial freedom when you own
your own home (see explanation below). When you have financial freedom, you
can engage people to do the maintenance in your home.
Q What do you mean by saying that by owning my own home I have financial
freedom?
A I will respond with examples.
If you are paying a rent of $1200 per month today, you are losing approx. $307
per month over a five year spread. [Based on an example of a $170,000 worth
2 bedroom, condo apt. with 5% down payment, monthly mortgage of $989
(@5.25% rate) gives you a mortgage balance of $147,930 after five years, thus
arriving at a saving/equity of $307 per month]. At the end of ten years you have
equity of $42,576 on the home you own. If you pay rent for ten years, you have
zero equity.
Similarly last year, when the rate was approx. 4.45% you would have earned
equity of approx. $338 per month in five years if you had bought a condo then.
Q How can I own a 3 bedroom detached home, if I am currently paying a rent of
$1200?
A First of all, based on your income and that of your spouse, you may qualify for a
3 bedroom home sooner than later. In the event, this is not the case, you can
always start small and once you build up your equity, you can always move to a
bigger home. By continuing to pay rent, you are limiting yourself from taking the
first baby step towards owning your own detached home.
Q Can I recover my mortgage payment by buying a home with a finished basement

apartment and a separate entrance?
A You have to weigh all your options and make a decision on what is beneficial to
you personally and your family. A free and frank discussion with your
REALTOR® will provide the answers you are seeking.
Q Is it true that mortgage rates are fluctuating? If so, when would it be a good time
to buy?
A Recent news bulletins indicate that mortgage rates are falling. For how long this
trend will continue has not been determined. However, if you are buying a
property (condo/townhome/detached/semi-detached) to be your primary
residence, any time is a good time, since from the day you move to your own
home, you are starting to build equity which will always have a positive result.
Q I have recently immigrated to Canada and do not have a job. Can I qualify to get a
mortgage and buy a home?
A If you have completed your logistic formalities, i.e. obtained your SIN card,
transferred funds from your previous location, etc., and have a sufficient down
payment and meet the financial company’s qualifications for a mortgage, you
could get a mortgage. Discuss with your REALTOR® and a mortgage specialist
for specialized advice.
Q I am thinking of buying a home, but have a few more months on my lease. What
should I do?
A You have several options depending on your specific situation. Call your
REALTOR® or call me and I will sit down with you and review your personal
situation. The short answer is there is a way to assist you to move to your home
and also meet your lease obligations.
Q Does having my own home help me to get a job faster or get approved for credit
quicker?
A Not always. However, when completing various applications, sometimes there
are questions asking whether you rent or own your home.
Q Can I run a business from my own home?

A In most cases, depending on the local regulations, the answer is "Yes". But, you
need to determine that from the local municipality. However, very often, having
your own home is conducive to having a home based business and your clients
are not inconvenienced as they would be in a rental apartment. Further, you
have ample space either in the basement or the garage to carry on a home
based business.
Q I have never owned a condo or a home in Canada. Can you help me by providing
me with detailed steps on the process and what formalities have to be completed
and who does what?
A Yes. I can certainly do that. In fact, you are reading the 2008 Home Buying
Guide. Once you authorize me to find a home for you, I provide you with an in-
depth plan which provides all the details and procedures involved, including
using your RRSP’s, lawyers, home inspection, etc.
Q I would like to buy a condo, but do not know whether I qualify to get a mortgage.
Who can help me?
A I could help you. Please contact me for a personal discussion and I will give you
the immediate information. I would also recommend that you contact a
mortgage specialist to get you pre-approved.
Q What happens if I buy a condo or a home and a year later, I may lose my job, or
for some reason I cannot afford to pay the mortgage?
A First of all, nobody can predict the future. Secondly, when dealing with a
professional mortgage specialist, he/she will ensure that you are given the right
advice with regard to the value of the home you can afford and the mortgage
that you can pay. However, if due to circumstances beyond your control you are
placed in a certain predicament; you are advised to consult your REALTOR®
and your mortgage specialist immediately, who collectively will try to find a
solution. In an extreme case, it is possible that you could sell your condo/home
and due to the equity that has built up, you may not incur a loss. Every situation
is different and you need to consult the right people, when you have a problem.
Remember, there is a solution to every problem. You have to find the right
person to speak to.
Q Do I need the services of a REALTOR® when buying a condo or a home when in

fact I can find properties on www.mls.ca?
A That’s a good question and many buyers had that thought as a first step.
However, first things first. The information that is on the www.mls.ca website is
not so fresh, since it is a “free” service. So, if one sees a listing for a condo or a
home, invariably that information is old. So, when the licensed REALTOR®
checks that info on the official MLS system, that condo may have been sold, or
the listing may have expired. However, it is a good place to start researching
information, but, it is not accurate. Further, following are some of the
characteristics of a good REALTOR®. Do you believe you could get a better
deal on a condo/home without using this REALTOR®’s services?
The REALTOR®:
y Endeavours to find the home that you want in the right neighbourhood.
y Takes the time and effort to make enquiries in the neighbourhood to find out
information about schools, shopping, etc.
y Has concerns about your health, safety and security and therefore will
provide you with your own Home Manual to guide you in getting the best out
of your home.
y Gets the best deal for you by research and negotiations. You offer the price
that would enable you to purchase your home within a short time under the
circumstances.
y Works towards getting the seller to accept the price that is close to their
expectations and is happy to do so thus creating a “win-win” situation for all.
y Uses the advantage of a huge network and staff that support you through the
rep. in sourcing for property that meets with your requirements.
y Guides and assists you with important tips to save you time and money.
y Works hard to find a seller who has the right home in the right neighborhood
for you from the day you authorize the real estate to find you the right
condo/home,. Finding that Seller is the key to the success.
y Shows you the tasks that can be completed in advance to give you the peace
of mind to make important decisions at the right time. For example, should
you be worrying about offering the right price for your next home, when you
can empower yourself in advance to negotiate a good deal with the
prospective seller? Further, should you be worrying yourself about so many
things that need to be done when sometimes you sell and buy
simultaneously? For example if there was a house to buy at a competitive
price and the other buyer had some information/knowledge which you do not
have. Who do you think will be successful? You should be shown how to get
that power with simple steps.
y Empowers you to negotiate a better price than other buyers.
y Saves you time and effort in providing you valuable information with regard to
financing, home inspection, movers, legal assistance, etc. etc.
Finally, last, but not the least, you must ask your REALTOR® for your very own
Home Manual.
Frequently Asked Questions from Investors
Frequently Asked Questions from Investors

The following are questions asked by investors. If you have additional questions or
need to discuss your individual situation, please contact me or send me an email
(Tino@Tinosellshomes.com) or call me at (647) 207-8466 and I will respond to you
promptly:
Q Why is it said that investors (landlords) get richer and renters don’t?
A It is because investors have taken the trouble of wisely investing in real estate
and using their investment to generate income.
Q I currently have a home and would like to invest in real estate. Can you please do a
simple cost analysis of investing in a townhome?
A The following is a basic example of investing in a townhome and renting it:
A townhome listed for say $215,000 and bought for say $200,000, with a down
payment of say $50,000 the monthly mortgage payment (P&I) would be approx.
$889. After five years, the mortgage balance would be approx. $133,000, giving
you equity of approx. $17,000. In the meanwhile with a rent of approx. $1450
per month, your earnings would be approx. $32,000 at the end of 5 years plus
you have a property which could have appreciated to say $250,000 which if
sold then, would give you a return of $117,000, where you had put a down
payment of $50,000. Even if the property appreciates to a conservative value of
$225,000, you still get $92,000 cash.
Q I currently own a home with my spouse. Can I invest in real estate?

A Yes! You can certainly invest in real estate and generate income. However, in
order to do a detailed analysis of your individual situation, you need first to
consult an accountant and have all your tax questions answered. Thereafter,
you can call me and I will show you various scenarios of investing in properties
that would generate income for you.
Homebuying Services Commitment
Homebuying Services Commitment
Buying your first home is an important decision. As + Help you determine an effective Pricing Strategy.
your HomeLife/Response Realty sales professional, - Explain how offering the best price for you is
my goal is to help you to buy your first home or determined, and discuss the role of market-sensitive
condo at the best negotiated price, within the time pricing in the successful Homebuying process.
frame that fits your plans and to make the
Homebuying process as efficient and stress-free* as - Research and present a Comparative Analysis showing
possible. recent purchases of similar properties that you are
seeking to purchase in the same area.
I commit to you that I will: - Discuss financing options that will help you to realize
your dreams.
+ Communicate with you in a timely and efficient
manner. - Prepare a preliminary estimate of your monthly costs
and closing costs.
+ Identify your needs.
- Recommend steps to negotiate the best possible price.
- Consult with you to clarify your needs,
expectations and priorities.
+ Represent you in negotiations with prospective seller’s
REALTOR® s.
- Discuss buyer, seller and dual agency - Review all purchase offers with you prior to submitting
alternatives, and determine how I can best to the seller, and explain the terms of the Agreement of
work with you to achieve your real estate Purchase and Sale.
objectives.
- Negotiate in your best interests, including and handling
- Answer any questions you might have about of counter offers, to reach an agreement that is
the Homebuying process. acceptable to you.
+ Provide you with a customized Home Buying
Plan. + Work to protect your interests through the completion of
the transaction.
- The sixteen steps* contained in the plan will - Work with the buyer’s real estate professional and
alleviate any Homebuying stress that you
others to see that all requirements of the purchase
may have.
agreement are satisfied and to help keep the transaction
- The plan will inform you of all the critical on schedule.
procedures, including, but not limited to - Keep you informed of the progress of the transaction.
mortgage approval, how to get the seller to
- Provide you information on how to avoid being a
accept your offer, dealing with lawyers, home
victim of title fraud.
inspectors, building management (for
condominium apartment), etc.
This is my commitment to you to ensure that I meet all of your expectations in the entire Homebuying process.
Prepared for: _______________________________
Prepared by: Tino Sequeira, Sales Representative
HomeLife/Response Realty Inc., PERFORMANCE
Brokerage GUARANTEE
- Independently owned and operated In the event that the real estate
services provided by me are not
Date Prepared: _____________________________ to your satisfaction I will bear
the costs towards inspection of
Not intended to solicit properties listed for sale or interfere with any Buyer Representation Agreement the home you are buying
through me.
The Home Selling Process and Work Involved

Mission Statement
The mission statement of a reliable REALTOR® would be to provide clients with
personalized REALTOR® services which will enable them to sell their client’s
property for the highest price attainable, within the time frame that fits your plans,
and to make the home selling process as efficient, stress free and successful as
possible.
Assumptions
1. Clients have signed a document which authorizes the REALTOR® to represent their
interests and enables them to have all their questions and concerns addressed
expeditiously.
2. Clients may need to meet with their personal obligations and therefore would require
their house closing date to synchronize with those obligations.
3. Clients have authorized their REALTOR® to verify the mortgage balance from the
financial institution or Mortgage Company.
4. Clients have provided the REALTOR® with information about their preference for
the area in which they are looking to buy a home - if that is their arrangement after
the house is sold.
5. Clients are seeking to sell their homes even if there have problems in the past in
selling them.
6. Client seeking to sell their homes are new in the selling process and therefore need
a detailed plan of action.
Once you authorize a reliable REALTOR® to sell your home that REALTOR® should
provide you with detailed information on the steps involved and what you can expect in
the process. Following is a brief outline:
1. You should be provided with a business plan that would show you how the
REALTOR® endeavours to sell your home sooner than later. Above all, the
REALTOR® should constantly keep you updated of progress and promptly
return your calls. Some of the marketing efforts should include:
• Meet with you and understand everything about the home and the features that you
feel would sell.
• Inspect the home and recommend on areas where the property could be improved
and its value increased.
• Carry out a CMA of similar properties in the area and prepare a report.
• If the property is old, provide you with the ten most valuable tips on how to
improve your home’s ability to sell at a good price.

• Distributing flyers door-to-door, informing about your home for sale.
• Professionally list your home on the MLS system.
• Using the power of the in-house network of REALTOR®s to market your home to
their own clients.
• Advertising your home in the newspapers and on the Internet.
• Having “productive” “Open Houses” to draw people to your home.
• Mapping the needs of potential buyers who are seeking to buy a home in your area
and steering them to your home.
2. Buyers are pre-qualified before they come to see your home preventing waste of your
time.
3. After showing the home, the REALTOR® should follow up with the buyers and
motivate them to decide sooner than later.
4. The REALTOR® should offer unique services to motivate buyers to buy your home
(Details provided on request).
5. Remember, if after buying your home, a buyer finds a major defect which was not
informed in advance, you could be liable. Others may not have told you but, the
reliable REALTOR® should inform you about the legal implications of not disclosing
known information and assist you to avoid lengthy court cases.
6. The REALTOR® should assist you with valuable information regarding home staging,
movers, relocation, etc.
7. You should not have the inconvenience of having strangers and other REALTOR® s
calling on you without productive results.
8. You will have the peace of mind of having your home sold, sooner than later,
and to carry on with your life.
My 20-Point Higher Standards Plan of Action
My 20-Point Higher Standards Plan of

Action
HomeLife’s Promise To You

The following is a twenty-point promise; outlining all
the steps I will take as your HomeLife Sales
Representative to ensure that your home is sold
quickly, for the best possible price with the best
possible terms.
1. Prepare a market analysis of your home.
2. List your property on the Multiple Listing
Service (MLS) for maximum exposure.
3. List your property at www.Tinosellshomes.com
using our 24 Hour Home Finder.
4. Display your property at our HomeLife locations,
while also promoting your property to HomeLife staff at marketing meetings.
5. Prepare a detailed highlight sheet listing the features, advantages and
benefits of your property.
6. Help develop your property’s "distinct capacity" by touring your property
with our professional sales team to determine its principal benefit.
7. Place a professional and distinct HomeLife sign on your property.
8. Advertise.
9. Promote the sale of your property throughout your community.
10. Communicate to you regularly on all aspects of marketing.
11. Provide regular updates regarding market conditions.
12. Pre-qualify potential purchasers to save you time.
13. Make you aware of all financial alternatives regarding your sale.
14. Explain our home warranty program to you.
15. Offer moving services to both buyer and seller.
16. Communicate with you regularly and give you my "Performance
Guarantee”.
17. Represent you on all offers and negotiate for the Best Possible Price and
Terms.
18. Provide you with copies of all information relevant to the sale of your
property.
19. Follow up on all necessary closing details until the money is in your hands
and you’re ready to move.
20. Leave you a copy of My Action Plan.
Prepared for: _________________________________________________________________
Prepared by: Tino Sequeira, Sales Representative, HomeLife Response Realty Inc.
Date Prepared: _______________________________________________________________
Frequently Asked Questions from Sellers

The following are the most frequently asked questions by condo/home sellers. If you
have additional questions or need to discuss your individual situation, please contact
me or send me an email (Tino@Tinosellshomes.com) or call me at (647) 207-8466 and
I will respond to you promptly:
Q I have been living in my current property for the past five years. When is it a right
time to sell and move up?
A Selling one’s condo/home is a very personal decision and needs to be analyzed
by looking at all the pros and cons. For example, you need to ask yourself the
following questions and discuss your responses with your REALTOR® :
a) What are my short term and long term housing needs and those of my
spouse/partner/family?
b) What is the equity on my current property?
c) What are the mortgage/financial implications of selling and moving up or
moving down?
d) Do I need to reduce my current mortgage?
e) What is the cost-benefit ratio of selling my current property and buying
another?
f) Will my REALTOR® be able to sell my property at the best price?
g) Will my REALTOR® be able to find me a property within the area that I am
looking for, i.e. near school, shopping, public transit, etc.?
Q Once I decide to sell my condo/home, what questions should I be asking

prospective REALTOR® s before deciding to engage one?
A Most REALTOR®s will profess to be the best one for you and try to convince you to
engage their services. However, you can ask the REALTOR® s the following questions
to find out who will represent you entirely and successfully sell your home:
a) Do you provide a detailed “Home Selling Plan” that lists all the services you will
provide to arrange the successful sale of my condo/home?
b) Do you provide a “Home Selling Commitment”?
c) I currently have a huge mortgage on my home. Can you show me how I can reduce
my mortgage?
d) What special techniques would you use to improve the appeal and value and
motivate buyers to buy my home since I have tried to sell my home on my own and
also used other REALTOR® s, but, the home did not sell?
e) Other REALTOR®s have advertised that they will buy my home if they are not able
to sell it within a month. Does this really benefit me and what are the hidden costs?
f) Why do some REALTOR® s charge a full 5% commission and some advertise only
2.5% commission?
Q I have read a lot about real estate and title fraud in the newspapers. How do I go
about preventing this from happening to me?
A Title Fraud has been taking place since some time. However, the incidents
were not reported in the news media before. Now that you are reading about
these scams, you do not have to panic. Just realize that it is possible and you
can take preventive measures. The government of Ontario has introduced new
legislation and lawyers are waiting to see the outcome. However, kindly read
the section “Real Estate/Title Fraud – Are you at Risk?” in this document for
more information.
Q Can I recover my mortgage payment by selling my current home and buying a
home with a finished basement apartment and a separate entrance?
A You have to weigh all your options and make a decision on what is beneficial to
you personally and your family. A free and frank discussion with your
REALTOR® will provide the answers you are seeking.
Q Can I sell my condo and buy a home since I would like to run a business from my
home?
A In most cases, depending on the local regulations, the answer is "Yes". But, you
need to determine that from the local municipality. However, very often, having
your own townhome or semi/detached home is conducive to having a home
based business and your clients are not inconvenienced as they would be in a
condo apartment. Further, you have ample space either in the basement or the
garage to carry on a home based business.
Q I would like to sell my condo apartment and buy a detached home, but do not
know whether I qualify to get a mortgage. Who can help me?
A I could help you. Please contact me for a personal discussion and I will give you
the immediate information. I would also recommend that you contact a
mortgage specialist to get you pre-approved.
Q What happens if I sold my condo or a home and moved up, but, unfortunately, a
year later, I may lose my job, or for some reason I cannot afford to pay the
mortgage?
A First of all, nobody can predict the future. Secondly, when dealing with a
professional mortgage specialist, he/she will ensure that you are given the right
advice with regard to the value of the home you can afford and the mortgage
that you can pay. However, if due to circumstances beyond your control you are
placed in a certain predicament; you are advised to consult your REALTOR®
and your mortgage specialist immediately, who collectively will try to find a
solution. In an extreme case, it is possible that you could sell your home and
due to the equity that has built up, you may not incur a loss. Every situation is
different and you need to consult the right people, when you have a problem.
Remember, there is a solution to every problem. You have to find the right
person to speak to.
Q Do I need the services of a REALTOR® when selling my condo or a home when in

fact I heard people sell their own homes?
A That's a good question and many sellers had that thought as a first step.
However, 80% of sellers who start off to sell on their own end up using the
services of a REALTOR® and the reasons are given in the matrix below. When
people venture to sell their own homes, they are doing so with limited
information and high risks. Did you know that if there was some problem with
your property and you sold it to someone without disclosing that problem, the
buyer could sue you if the problem was detected later?
When selling your home, you have at least two options:
° Sell your home yourself; or
° Use the services of a licensed REALTOR®
The following are the list of differences between selling your own home or using
the services of a licensed and reputed REALTOR® :
Risks and Issues when selling your Benefits of Using a Licensed

own home REALTOR®
1. You may not have the resources to When you list with a licensed REALTOR®,
have your property exposed and your property gets accessed by more than
publicized to a wider audience so that 25,000 REALTOR®s. Each REALTOR®
someone out there will buy your home. has on average 1-5 buyers who are
It is purely a question of numbers - the looking to buy homes. This means that
more exposure you get, the greater are your property gets exposed to
your chances of your home being sold approximately 100,000 prospective buyers
faster and at a better price. and therefore your home could sell faster
and at a better price than if you sold on
your own.
2. You may not be aware of the technique A licensed REALTOR® offers several tips
to best present your home, so that to improve the appearance of your home,
potential buyers are impressed when etc. to help you sell your home faster.
they first step into your home. These include:
° Informal re-arrangement of the
furniture, improving curb appeal, paint
touch up, cleaning and fixing of areas
that are damaged or visually
unimpressive, landscape improvement,
fluffing, etc.
° Home Staging professional advice
° Value added services
3. You will not have all the information to A licensed REALTOR® will prepare a
prepare a proper market analysis of professional CMA of your property to
your property or to arrive at a realistic arrive at a realistic price.
price for your home.
4. You will have to bear the cost of a pre Depending on the terms of your
home inspection when required (due to engagement, a licensed REALTOR®
various reasons), if you arrange one could arrange a pre-Inspection of your
without a REALTOR® 's input. home by a qualified home inspector.
5. Many FSBO prospects believe that a A REALTOR® holds your hand while
lawyer will take care of all the paper going through the maze of the red tape
work and assist them to complete the that is involved with selling your home.
real estate transaction. However, did This includes, but, not limited to:
you know that a lawyer is allowed to
charge a tariff of upto 1½% of the
° Agreement of Purchase & Sale (the
"offer")
value of the property to prepare the
paperwork and review the same with ° Home Inspection and waiver thereof
you? It is only AFTER receiving the ° Mortgage confirmation and waiver
final bill, people have been surprised thereof
for what they have been charged. So,
in reality, you may save a few hundred ° Amendment to the Agreement if
dollars by selling on your own, but, the required due to changes in the terms of
risks, challenges and uncertainties of the contract
"what happens next?" will leave you ° Disclosures as required under the law
with sleepless nights.
6. When submitting for mortgage your A REALTOR® will ensure that the buyer
offer that has not been prepared by a has options with various lenders so that
REALTOR® , the bank could insist on they get a discounted rate and lenders will
an appraisal and charge you for it. respond favourably when a REALTOR® is
Further, banks may not easily give involved with a buyer.
buyers the discounted rate for
mortgage, which means buyers have
to pay more for your home when sold
by you. This offsets the savings in
commission, since actually; the buyer
pays the commission and not the
seller.
7. ° You may not be aware that even When working with a REALTOR®,
buyers are screened (qualified) before
after the home is sold the seller
could be liable for damages. they come to see your home. This
safeguard is much better than
° You may have the inconvenience of someone who sees a FSBO sign on
strangers who have not been your lawn calls you up and comes into
screened or pre-qualified entering your home. Or someone who comes to
your home. your "open house", cases the place
° You may not have the technique to and could possibly return when you
close the sale after someone sees are not there.
your home. P.S. Are you willing to save a few
thousand dollars by having "strangers"
° You may have to take the trouble of enter your home and expose your
having "open houses" and provide family and belongings to a huge risk?
information to strangers who may
be only "visiting", but not serious to
buy. All your efforts of providing
them with printed information may
be wasted.
° You may have to respond to calls
from a number of real estate
REALTOR®s.
8. Very often buyers who venture to buy When dealing with a REALTOR® the
directly from the seller are "bargain situation is a lot different. For example,
hunters" trying to save money on the after a home inspection is carried out by a
selling price. Correct? A seller who is professional home inspector, if some
trying to sell on their own is also doing issues are identified, the REALTOR® will
the same thing because they want to work with the buyer to calm them down
save the commission. Correct? But, in and find a "workaround" the issue that
reality, both parties to a deal cannot may come up. Since it is in everybody's
save, because, when one tries to save, interest to have the deal go through, all
the other has to suffer a loss and vice parties are encouraged to compromise.
versa. For example: If and when the This is not prevalent in the absence of a
home is sold by you and the buyer licensed REALTOR®.
arranges a home inspection, due to
"buyer's remorse", if something small
like a crack in the wall, etc, is found,
the buyer will want to get out of the
deal or demand a big reduction in the
price, which will offset any savings
in the commission that you are
trying to achieve.
P.S. I understand that selling your house is an important decision for
you. My goal is to help you sell your property for the highest price
attainable, within the time frame that fits your plans, and to make the
home selling process as efficient, stress free and successful as
possible.
Excerpts from the March 2008 Issue of Market Watch
Excerpts from the March 2008 Issue of Market Watch
To see the full report go to:

http://www.tinosellshomes.com/
pdfMarketWatch/2008_03.pdf
Real Estate / Title Fraud – Are you at Risk?

I have been receiving calls from my clients wondering whether they are at risk of being
victims of title fraud or mortgage fraud, identity theft, etc. First of all, as a consumer you
are always at risk of being defrauded. However, in this article I would like to talk about
some tips on preventing identity theft, mortgage fraud and title fraud.
Fraud – Title Fraud, Mortgage Fraud, Real Estate scams, etc. These are no longer rare
cases. These are happening frequently and the media has taken the lead in publishing
various scams. However, when you deal with an honest REALTOR®, the risks are
almost eliminated. I say almost eliminated because, sometimes, when the REALTOR®
is honest, the ancillary parties involved in the deal, i.e. mortgage “specialists”, lawyers,
etc. may have an agenda and one has to be very careful. In fact, many of the cases of
title fraud that have appeared in the media involve identity theft and false mortgage
registration with the involvement of various entities, including the bank, the lawyer and
the title registration office. So, the key word is “be alert” and when you deal with an
honest licensed REALTOR® you are in safe hands. Let me clarify below.
Let me begin with mortgage fraud. There are real estate REALTOR®s who would like to
make a sale by “hook or by crook”. So, they team up with shady mortgage “specialists”
who may not even be licensed, but, work on freelance basis, who are able to get
mortgages under fraudulent measures. So they tell the REALTOR® “Don’t worry
whether the client qualifies for a mortgage, just find them a home and we will take care
of the mortgage”. The REALTOR®, who is anxious to make the sale, finds a home for
the buyer, and hands over the papers to the mortgage “specialist” who through
fraudulent means (bogus employment letters, bogus referral, etc.) is able to get the
mortgage for the buyer. The buyer buys a home and couple of months/years later
realizes he/she cannot afford to pay the mortgage. In fact, sometimes lawyers get
involved with “private sales” and prepare offers in collaboration with mortgage
“specialists” and are thus able to register properties independent of the involvement of
honest licensed REALTOR®s. So, the key words are “buyer beware” of your rights and
privileges.
If you deal with an honest and licensed REALTOR®, you do not have to worry about
mortgage fraud. This type of an REALTOR® will ensure that you are free from any
unscrupulous con artists whose only motive is to make money at any costs. Further, be
wary about “private sales”. You are leaving yourself open to lawsuits when you are not
provided with information about your rights and privileges. Sometimes you may get
stuck with the seller’s taxes if you deal directly with the seller. So, when you deal with
an honest REALTOR®, you get the following genuine services and information:
o Homebuying Services Commitment with a performance guarantee.
o Detailed steps in the home buying process.
o Supplementary advice on mortgage financing. Remember, your main advisor would
be your financial institution. Even if you get a mortgage through a licensed mortgage
broker, it would be advisable to establish some contact with the lender and find out
before the closing date, more about the options that are offered. Additionally, you
need to discuss with your REALTOR® what options the financial institution is offering
you so that the facts can be corroborated.
o Supplementary information on lawsuits between sellers and buyers involved with
“private sales”, scams from movers, etc.
Title Fraud:
The media has to be commended for bringing to the attention of the public the
increasing number of title fraud cases. Better late than never, the government, real
estate lawyers and the banks have now started to take proactive measures to avoid
title fraud or to protect the honest consumer. However, it is the responsibility of the
consumer to take preventive action. I have been following the various articles in the
media and have spoken to couple of title insurance representatives and lawyers. There
are some lawyers who are not even aware about the procedure to apply for title
insurance. They have also informed me that most people are not aware that title fraud is
taking place and are reluctant to take preventive measures. I am giving below the
preliminary (prevention of identity theft) and secondary steps to avoid or deal with title
fraud:
Preliminary tips to avoid Identity Theft (IT):

• Do not carry your SIN card with you.
Leave your SIN card in a safe place at home.
• Do not give your Social Insurance Number to anybody unless it is absolutely
required. If it is demanded from you, find out for what purpose it is being used.
You should not be forced to give your SIN to anybody since that is your right.
• Do not apply/keep more than one or two credit cards.
The more credit cards you carry makes you vulnerable for your information to be
widely available. Further, the more credit cards on your name reduces your
creditworthiness.
• When you affix your “official” signature to mortgage and bank documents,
request for a copy of those documents and keep in a safe place.
In the unfortunate event of a fraud investigation or a court case, when “fraudulent”
documents are entered as evidence, you will be able to show that none of those are
yours since you have kept copies of all documents containing your official signature.
This may be a long shot, but, will ultimately prove in your favour.
• Keep a shredder at home and shred all financial statements or any documents
that has your name, and other information and doesn’t need keeping.
This is one of the root causes of identity theft.
Secondary tips to avoid Title Fraud (TF):

• Be aware that title fraud is a fact of life. Do not panic. However, follow the
steps below and you can prevent or deal with title fraud more effectively.
As mentioned in the newspaper articles, the first step is that the public needs to be
aware that this could happen to anybody. The fact is nobody is immune from the
tentacles of fraud artists; unless of course one takes some measures of precaution.
• If you are about to buy a home, discuss this with your REALTOR® and request
for more information.
In fact, your lawyer will inform you about title insurance. If not, you have to inform
your lawyer that you would like to take title insurance. Title insurance is the most
effective way of saving yourself if you are subjected to title fraud.
• If you are already a homeowner and do not have title insurance, go to the Land
Registry Office and get a copy of the most current title deed of your own
property and keep it in a safe place (i.e. safety deposit locker).
You can get the address of the LRO in your area from:
http://www.cbs.gov.on.ca/mcbs/english/pdf/57PNYL.pdf
• If you already own a home and have a medium to small mortgage on it, speak
to your bank account representative and find out if you can convert your
mortgage to a line of credit (at prime rate).
If you are a successful negotiator, the bank may offer you or you can convince them
to bear the costs of completing the appraisal, doing a title search and converting
your mortgage to a line of credit. This will result with the bank taking title insurance
and paying the premium for the same.
• Once you verify that your title deed is clearly in your name, you should take
the steps to obtain title insurance for your property.
Contact a licensed REALTOR® (who should provide you information free of cost) to
get more information and then through a lawyer you will be able to apply for title
insurance. More information is provided below in the Q&A section. Contact me or
send me an email if you need additional details.
The one time premium of title insurance can range from $250 to $400 depending on the
coverage. However, it is worth paying this premium and leaving it to the insurance
company to deal with the matter if you are subject to title fraud. Remember, you will not
lose your home eventually, since the insurance company will deal with the fraudulent
action. I am giving below a series of questions and answers relating to title fraud and
title insurance. The information below has been provided by First Canadian Title
Insurance. In the case of your individual situation, you can call me or email me your
question:
Q. What is the range of premiums for homeowners (people who already own
homes but have not purchased title insurance) and what do those premiums
cover?
A. Depending on the value of the property and the province in which the property exists,
the one-time fee for the Existing Home Owner Policy ranges from $250 – $400.
Q. What is the process for purchasing title insurance for current homeowners?
A. Current homeowners should contact their lawyer or notary or call 1-877-888-1153.
More information is also available at www.ProtectYourTitle.com
Q. What is the range of premiums for homebuyers (people who are about to buy a
home and may need to purchase title insurance) and what do those premiums
cover?
A. Premiums vary depending on the province, type of property, the value of the
property, and the type of transaction (i.e. purchase or refinance). For example, in
Ontario, for a purchase of a re-sale single family home valued between $200,000 and
$500,000, the premium is $299.00
Q. In the unfortunate circumstance that a homeowner (who has purchased title

insurance) may be a victim of title fraud, how would title insurance help them?
A. Title insurance is an effective and inexpensive way to ensure title to your property is
protected. It covers legal expenses related to restoring title as well as compensation in
the unfortunate and rare situation that title is lost.
Q. What steps do homeowners need to take once they are victims of title fraud?
A. If the homeowner is title insured, he should contact the title insurer immediately to
begin the investigation process. If the homeowner is not title insured, he should contact
his lawyer.
Q. In all the cases reported in the media of those who were victims of title fraud
and who had not purchased title insurance, the first thing is the sheriff evicts
them from their home. They then have recourse to contacting a lawyer and
fighting for their rights.
In the case of homeowners who have title insurance, what would be the first point
of action if they are a victim of title fraud? Will they also be evicted?
A. If the homeowner is title insured, he/she should contact the title insurer immediately
to begin the investigation process.
This insured homeowner may be evicted if the title has already been legally transferred
to the new owners. In any case, the homeowner should contact their title insurer
immediately.
Q. Is there any deductible payable for title insurance?

A. There is no deductible payable when an insured homeowner makes a claim to their
title insurer.
How am I different from other REALTOR®s?

There are several differences:
1) When you are a first time home buyer or seller and are concerned about the entire
process, do you know anyone who provides you with your very own customized
Home Buying or Selling Plan?
When you buy or sell a home through me, I provide you with your very own Home
Buying/Selling Plan, which gives you the detailed steps in the home buying and
selling process.
2) When you buy an inexpensive item like a DVD player or a TV, you get a User’s
Manual. Correct? But, do you know anybody who got their own home manual when
they bought their current home?
When you buy a home through me, I provide you with your very own Home Manual
which provides information on the home, including the roof, windows, heating,
electrical, plumbing, etc. This helps you to look after your home better and you know
what to do if you have a problem.
3) I provide you with a Performance Guarantee.
4) When you refer me to your friends and they tell you that they will buy a home only
when they get a really good job, you can ask them to send me an email and I will
send them The 14 Steps to Getting Your Dream Job.
Relocation Assistance
When you or your friends need to relocate from one city to another or from one province
to another, I provide a complete relocation package, which includes, but, not limited to:
x Selling your current home
x Finding a home in a new location
x Arranging for movers
x Providing information on schools, hospitals, shopping, etc. in the new location
x Other personalized services as requested
Information on Monthly Mortgage Payment and Closing Costs

Very often clients who have tried other REALTOR®s, have told me that their previous
REALTOR® did not take the time to provide them with detailed information on monthly
payments (mortgage, taxes, etc.) as well as closing costs. I have therefore decided to
provide that information in the personalized Home Buying Plan to give you an idea of
what payments you have to make and thus decide on your affordability. Once you have
completed the “Client Information” sheet and the “House Data” sheet, I can develop a
spreadsheet to give you an indication of what your payments are going to be based on
the homes you select. See Appendix C.
My Profile
I am your dedicated REALTOR®. Select "dedicated REALTOR® " to find out more
what it means to you? It means that as my client:
• You have access to prompt information when you request it.

• You get complete support when dealing with the most expensive purchase or
sale of your life, i.e. your home.
• You get detailed information on mortgage eligibility, closing costs, monthly
payments, marketing strategy, lawyers, movers, home inspection, etc. etc. which
enables you to plan your monthly budget.
• You have somebody who understands your needs and concerns and provides
consultation before and after the real estate transaction (as can be verified from
my clients - see testimonials on my website).
• I have several years experience in property management, client services, real
estate project management, computer services, mediations, etc. which helps me
to service my clients professionally and expeditiously.
• I am a member of the community and following are my volunteer services:
• As Chair of St.Joseph Secondary School, I played a key role in increasing the
number of parent involvement from 5 to 85 and sometimes more. I was
instrumental in working through the Mississauga Traffic Safety Council to
improve the safety of students, vehicles, pedestrians and general public in front
of the school and within the school boundaries.
• As a mentor at Dixie Bloor Community Centre, I worked with mentees to
dramatically improve their chances of getting a good job by authoring a
document entitled "14 Steps to a Job Interview - Guaranteed". (P.S. If you would
like to receive a copy of this publication, please send me an email)
• As a Third Degree member of the Knights of Columbus, I was instrumental in
developing a detailed proposal to establish a "Knights Table" in Mississauga to
cater to the less fortunate.
Whether you are buying or selling a home, or relocating, hire someone like me,
who wants to earn your business. I invite you to contact me as I'd be happy to
assist you with this important decision.
Testimonials
Very often clients, who have come to me after having worked with other REALTOR®s,
have told me that their previous REALTOR® did not live up to their expectations. Here
are a few of the testimonials from my clients:
I found my dream home thanks to the care and patience of Tino. I was looking for the
perfect house and I was on a mission to find it. I knew what I wanted, but Tino made it
his business to know it even better. He went beyond and above my expectations of a
real estate REALTOR®. He looked for my home as if it was for his own daughter,
mother or best friend. Along the way I met a lot of other REALTOR®s, and thanked God
every day that I had Tino. It took me a little time to find the perfect house, but we did,
thanks to the care and patience of Tino. I move the end of July and he is still emailing
and calling me to make sure everything is going smoothly for me. He just really cares.
What a great person…..Gerri Mississauga.
Tino just sold my house in 5 days… I will tell you honestly as a sales person I have met
some really “#&*@#” real estate agents in the past couple of months. Tino truly is a
gem. G. G, Mississauga.
“We would like to thank Tino Sequeira for the wonderfully professional service he
provided us in our quest to purchase our first home. As first time home buyers, we were
not all that familiar with the market, and what exactly was available for us. Tino helped
us make an informed decision by exposing us to the various types of homes available,
so that we were aware of all our options. His no-pressure sales approach helped us feel
comfortable that we were making the right decision for the future. Tino was always fully
available, even at short notice, to look at prospective homes, and discuss mortgage
needs. Because of his attention to detail, great organization skills, and ability to provide
choices, we were able to find the home of our dreams within a week’s time of us
beginning to look at houses! We would not hesitate to use Tino’s services again, and we
highly recommend him to anyone wanting to discuss their real estate needs!” M& K,
Mississauga
" Being first time homebuyers, my wife and I were not only concerned getting the house
that we like but more importantly dealing with the right REALTOR® that will really help
us fulfill our dream, We were referred to Mr.Tino Sequeira and we got exactly the quality
service that we wanted, we became so easily comfortable with him, and got his trust so
quickly, he was really proactive by showing us all other details of the location, proximity
to schools, church, bus stations and even prices of the other properties sold within the
area. His presence made our decision easier and we got our money's worth.. We were
so happy that we transacted with him and now we are enjoying our new home with
peace of mind. He has provided us with a copy of our very own Home Manual and
continues to make follow up calls to find out if we need any help in connection with our
home.” – N.Aquino, Mississauga
“I have had the pleasure of working extensively with Tino and have always found him to
be extremely helpful and cooperative. Tino displays a high degree of empathy in dealing
with customers and handles himself in a very efficient and professional manner. I would
highly recommend Tino for any position involving client contact and dealing with the
public.” - K.B.Cribbie
“…My knowledge of Mr.Sequeira’s personal and business qualities emanate from our
frequent business transactions; I find him to be courteous, dignified, respectful and
sensitive to the subject matter at hand, which can be vexatious to the parties.
Mr.Sequeira while safe guarding the integrity ……., is also flexible and responsive to the
enquiries ……… in a quiet, but effective and helpful manner…” Ernest Reddie
Note: From March 2006, there are new Real Estate laws in Ontario which protect you.
Remember to ask your REALTOR® to explain to you those new laws.
Appendix A – Client Information
Appendix A – Client Information

Accurate client information is vital to starting the project. If I do not have accurate information about the
client, including contact information, etc. I will not be able to contact them quickly when the time comes to
show homes or at the time of closing the deal. Further, having the client’s basic information house
requirements enables me to prepare the personalized Home Buying Plan.
Contact Date: Source:
Purchaser/s Full Name/s (1): (2)
Current Address:
City: Postal Code:
Home Phone: E-Mail #1:
Work Phone #1: Work Phone #2:
Cell Phone #1: Cell Phone #2:

(This is required to keep in touch for urgent calls only) (This is required to keep in touch for urgent calls only)
Work Fax: E-Mail #2:
First time Buyer: [ ] Yes [ ] No CMHC:
Down Payment: $ ______________ (This information will enable me to provide you a cost analysis – see sample)
Income #1: Income #2:
If you have a car loan/lease, what is the monthly $ _______________

payment?
Will you be selling your current home? [ ] Yes [ ] No

If “Yes”, how much is your current mortgage? $ ____________________________
Timeframe to purchase home:
Assistance/Information Required: Other Information required:

[ ] Mortgage [ ] Lawyer [ ] Home Inspector [ ] Schools [ ] Doctor [ ] Hospital
[ ] Movers [ ] Phone Co. [ ] Gas Utility [ ] Public Trans [ ] Day Care [ ] Emergency Nos.
[ ] Hydro Co. [ ] Cable Co. [ ] Home Manual [ ] Other: ________________________________
[ ] Other: ________________________________
Comments:
Appendix B – House Data Sheet
Appendix B – House Data Sheet

This is the equivalent of “gathering the requirements” in any project. Once I understand my client’s needs,
I am able to provide them information promptly on properties available.
Have you signed the authorization with a REALTOR® ? [ ] Yes [ ] No

If you have answered “Yes”, is the authorization in force? [ ] Yes [ ] No
If you have any school going children, which school School Name: _____________________________
are they currently going? Location: _________________________________
Would you like to continue with that school? [ ] Yes [ ] No
Type of house you are looking for? Do you have preference for a specific location /
[ ] Detached [ ] Semi-detached [ ] Back-split intersection? If so, please elaborate below:
[ ] Bungalow [ ] Two Storey [ ] FTH [ ] Condo TH ___________________________________________
[ ] Condo Apt. [ ] Other: ____________________
Location: [ ] Mississauga [ ] Brampton Near: [ ] City Centre [ ] Malls

[ ] Oakville [ ] Milton [ ] School – Name: _____________________
[ ] Toronto [ ] Etobicoke ______________________________________
[ ] Scarborough [ ] [ ] Transit
[ ] Other: ________________ [ ] Other: ___________________________
Budget price of house: $ Monthly outgoings you expect to pay:
Principal+Interest+Taxes (PIT) $ _____________________
Exterior of house: [ ] Brick [ ] Aluminum [ ] Vinyl Age of home:
How many How many When do you
Bedrooms Washrooms want to move to
your new home?
Lot size Front ________________ Garage [ ] Must have [ ] Not necessary
Deep ________________ [ ] Attached [ ] Detached
Parking for ______ cars
Basement [ ] Finished [ ] Unfinished Separate [ ] Yes [ ] Not necessary
[ ] Apartment [ ] 1/2/3 BR Entrance
Other Information:
Appendix C – A Simple Example of Monthly Payments and Closing Costs
Appendix C – A Simple Example of Monthly Payments

and Closing Costs
An example of closing costs and monthly mortgage payment:
Example only. Check as soon as possible with your Mortgage/Bank Consultant for your specific situation.
Listed Price 250,000.00
Sale Price 245,000.00
Down Payment 5% 12,250.00
Mortgage Amount 239,150.00
Deposit with Offer 10,000.00
Monthly Mortgage Payment:

Principal + Interest + CMHC At 5%** 25Y Amortization 1,390.98
** only for example. Actual rate may be different
Approx. Closing Costs:

Land Transfer Tax 2,175.00
Lawyer fees and disbursements (approx) 1,000.00
Moving costs (approx) 200.00
Balance of down payment 2,250.00
Various fees (CMHC) (approx) 800.00
Approximate Total 6,425.00
Note:
1) Based on the above calculations, you have an idea as to the value of the home you can purchase.
2) The figures provided in this presentation are only for information purpose. You must contact your
mortgage/bank consultant sooner than later to arrive at your own monthly costs and to get a
mortgage commitment.
3) Once you have a mortgage commitment, you are able to negotiate a better deal with a vendor.
4) Having a mortgage commitment also enables me to show you homes that meet within the financing
criteria.
5) Once I know the value of the home you are going to buy, I can endeavor to find those homes in the
area that you are interested.
6) Based on the area, I can endeavor to find homes in the vicinity of schools, transport, etc.
7) You can therefore help me to help you find your dream sooner than later.
8) Each day that passes brings you closer to the date when you have to vacate your current
accommodation.
9) Buying a home involves REALTOR® s, sellers, lawyers, home inspectors, financial institutions,
transportation/movers, etc. etc. etc.
As your dedicated REALTOR®, I will be with you along the way and assist you with the various
formalities, to make your move as smooth as possible.
Please do not hesitate to call me if you have any questions.
Some Important Phone Numbers
Some Important Phone Numbers
Emergency (Fire/Ambulance/Police): 911

Credit Valley Hospital: 905-813-2200
Trillium Health Centre: 905-848-7100
Poison Information: 416-813-5900
Distress: 905-278-7208
Hospital for Sick Children: 416-813-1500
Mississauga Transit: 905-615-4636
GO Transit: 1-888-438-6646
Enbridge Consumer’s Gas: 1-866-343-8427
Hydro Mississauga: 905-273-9050
Dufferin-Peel Catholic District School Board: 905-890-1221
Peel District School Board: 905-890-1099
Peel Police (Non Emergency): 905-453-3311
Reg. of Peel Garbage Collection: 905-791-9499
Mississauga City Hall: 905-896-5000
Pearson Airport: 416-247-7678
Weather Forecast: 416-661-0123
Dentist:
Family Doctor:
Work Number:
Neighbour:
Insurance Company:
Car Mechanic:
Cable Company:
Bank:
Courtesy Information: 647-207-8466

2008 Home Buying and Selling Guide Ebook

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Tino Sequeira

NOT INTENDED TO SEVER ANY CONTRACTS IN PLACE

FREQUENTLY ASKED QUESTIONS FROM SELLERS...................................................................................18

When you authorize a reliable**

In this document there are included

• Tips on how to pick a reliable REALTOR®

**Please read the section on “Tips on How to Select a REALTOR®” on my website

How do Home Buyers locate their Dream Home?

The 20-Point Test™ to Evaluate a REALTOR®

The 20-Point Test to Evaluate a REALTOR®:

SB = Selling or Buying B = Buying S = Selling Yes No Y/N Pts

Buying a Home – A Preliminary Guide

2. Clients may or may not be first time

4. Clients have been qualified financially and may have

The benefits of authorizing a reliable REALTOR® to act on your behalf

1. The REALTOR® should provide you with a “step-

2. The REALTOR® should immediately set you up in the

The Home Buying Process and Work Involved

• Finding a property that meets your investment

Benefits of the Group Loyalty Plan©

Frequently Asked Questions from First Time Buyers

Q Why is it said that landlords get richer and renters don’t?

Q Can I recover my mortgage payment by buying a home with a finished basement

Q Can I run a business from my own home?

Q Do I need the services of a REALTOR® when buying a condo or a home when in

Frequently Asked Questions from Investors

Q I currently own a home with my spouse. Can I invest in real estate?

Homebuying Services Commitment

The Home Selling Process and Work Involved

improve your home’s ability to sell at a good price.

My 20-Point Higher Standards Plan of

HomeLife’s Promise To You

Frequently Asked Questions from Sellers

Q Once I decide to sell my condo/home, what questions should I be asking

Q Do I need the services of a REALTOR® when selling my condo or a home when in

Risks and Issues when selling your Benefits of Using a Licensed

Excerpts from the March 2008 Issue of Market Watch

To see the full report go to:

Real Estate / Title Fraud – Are you at Risk?

Preliminary tips to avoid Identity Theft (IT):

Secondary tips to avoid Title Fraud (TF):

Q. In the unfortunate circumstance that a homeowner (who has purchased title

Q. Is there any deductible payable for title insurance?

How am I different from other REALTOR®s?

Information on Monthly Mortgage Payment and Closing Costs

• You have access to prompt information when you request it.

Appendix A – Client Information

Contact Date: Source:

Purchaser/s Full Name/s (1): (2)

City: Postal Code:

Home Phone: E-Mail #1:

Work Phone #1: Work Phone #2:

Cell Phone #1: Cell Phone #2:

Work Fax: E-Mail #2:

First time Buyer: [ ] Yes [ ] No CMHC:

Income #1: Income #2:

If you have a car loan/lease, what is the monthly $ _______________

Will you be selling your current home? [ ] Yes [ ] No

Timeframe to purchase home:

Assistance/Information Required: Other Information required:

Appendix B – House Data Sheet

Have you signed the authorization with a REALTOR® ? [ ] Yes [ ] No

Would you like to continue with that school? [ ] Yes [ ] No