Happy
823 College St M6G 1C9 Toronto, ON, Canada

Just listed on MLS! FOR SALE $829,000 Erin Rural Erin Wellington 5527 Trafalgar Rd Erin Ontario N0B 1T0... This Beautiful Move-In Ready Bungalow and Spacious Sits on Half Acre Lot with Apple Trees Awaits you! W/3+1 Spacious Bedroom 2 Bathrooms Open Concept Living/Kitchen W/Appliances + Windows W Lots of Natural Light Beautiful Custom Deck and Private Large Backyard W/Finished Basement Apartment Contact me for further inquiries or to book an appointment today! Send a DM or by email .. ... .... #happyestate #realestate #erin #ontario #GTA #toronto #erinontario #happyrealtyservices #family #investment #properties @ Erin, Ontario

BUYING a home is one of your biggest investment in your life. It can be stressful and time consuming, especially if this is your first-time purchasing a home. Take the time to evaluate your options carefully, and be confident in the process. Stay safe & be well. Happy Monday!

4 THINGS YOU SHOULD KNOW before applying pre-approved for a mortgage or any type of loan. A lender will look at your personal information in detail such as your credit score, income, assets, and liabilities to determine how much you can borrow 1 OBTAIN YOUR CREDIT REPORT - you can get it from one of the major credit bureaus is Equifax or Transunion. Equifax is used by most lenders. Once you get your report, you need to make sure that there are no errors and double-check t...hat there are no accounts that are not yours or accounts opened, which would signal to possible identity theft. 2 IMPROVE YOUR CREDIT SCORE your credit score is important; most lenders will use this data to determine your creditworthiness and they would consider 620 to 650 to be the minimum to meet certain criteria. However, the higher your score is better your loan will be approved. You can improve your credit score is by making all your debt payments on time and in full, so it’s best to keep your debt as low as possible and try NOT to make any major purchases on credit or apply for new credit cards for at least six months before applying pre-approval mortgage or any type of loans. 3 CALCULATE how much you can afford based on your income you can use ratehub.ca to estimate how much you can afford to buy based on the debt-to-income ratio. You will also need to consider how much of a down payment you can contribute. If you put less than 20% down payment on your home, you’ll be required to pay CMHC mortgage insurance. 4 GET YOUR PAPERWORK TOGETHER and gather all the required documentation that a lender needs. You’ll need to prove to the lender your tax return for the last two years, pay stubs, bank accounts, assets, and liabilities. Decide what type of mortgage loan that bests meets your needs and make sure that you understand the terms of the mortgage contract. Enjoy the rest of the long weekend! Take care. #mortgage #toronto #home #family #realestate #happyrealtyservices #4things #houses #weekend #tips @ Toronto, Ontario

BUYING your dream home takes time, it requires patience and planning. Here is my advice to help and make the process easier and smoother and you will be pleased with your purchase: 1. #Budget The very first thing is to get your pre-approved mortgage so you have an idea how much you can afford for a home, and how much you want to spend. There are additional costs such as Land transfer tax, Appraisal fee, legal fees, realtor fees, a high-ratio mortgage insurance premium, m...ortgage broker’s fee, and unused portion of any prepaid property taxes or utility bills. 2. #Location - where you live is one of the key factors on the value of your home; consider other factors such as commute to work, schools, communities, and malls. 3. #Type of home you should consider whether a single-family, detached home or a condominium. You must choose the type of home best meets your budget and your desired lifestyle. Depending on the features of your home, I can also point you to certain areas in the neighborhood to find you a home that has a private backyard, an attached garage, or a fireplace, a short commute to work. 4. #Searching for a home I will use the MLS (Multiple Listing Service) System or other tools to find properties that best match your location and budget. Once you see a the property you like you need to have a professional inspector to help identify if there are issues with the roof, foundation, plumbing, etc. 5. #Making an offer I will do the CMA to determine the market value. I will put together an offer and negotiate the best price possible. The offer will include, purchase price, deposit, irrevocability (expiration of the offer), a closing date, and conditions are: 1. financing, 2. A home inspection, 3. title search, 4. survey, and 5. inclusion and exclusion of any appliances. 6. #Acceptance of an offer Be sure that you fully understand all the terms and conditions of the offer before signing. Once an offer is accepted and all conditions are met, the offer becomes legally binding. As for first-time buyers, you will have many questions..GET IN CONTACT WITH ME TODAY.

The best way to be becoming a knowledgeable person is to keep educate yourself and understand what are the basic things and processess are like. Knowing who and what to ask for is an important skill in any business, especially you are a First Time Home Buyer. Take this opportunity to learn so you are familiar with the process that apply to your situation. Stay safe & be well!

BUYING OR SELLING a home can be very challenging during the pandemic, your health and safety is first priority. I want to assured you that I have a system in place with new policies and the latest digital marketing & virtual tools as I continue to provide you the BEST customer service experience. Is it a good time to buy now? Yes! With my background experience working within Banking Industry, I would love to guide you through the maze of mortgage requirements; therefore, yo...u can apply for financing with confidence since the interest rates are very low right NOW! Given my in-depth area knowledge and recent sales I will find you the property that meets your needs and budget. Give me a call at 416 893-3798 or email [email protected] if you have any questions regarding the current real estate market. I look forward to speaking with you! I hope everyone is staying healthy and safe during this difficult time.

UPDATE: SOLD Just Listed For Sale! 1600 Keele St. Apt# 519 Toronto - Keele St. & Rogers Rd. Condo Apartment Level 6 - Spacious 1 + 1 Beds, En-Suite Laundry & 4 Piece Bath With Open Concept Living/Dining Room & Largest Balconies In The Building,19x9.6 Feet Unit Amazing 10' Ceiling! Steps to To Restaurant, Bakery, Pharmacy, Bank, Dollarama, TTC, Etc. Please Visit Realtor.ca. Care Of Happy Pham. Email [email protected] Direct Line 416 893-3798

Real estate is a little bit more solid than any other markets. As a Realtor, I cannot solve the economy’s problems. However, we have to look at the negative situation, and the positive situation as an OPPORTUNITY during this Covid 19 Pandemic. In 2017, the Government introduced the StressTest. In 2018, New mortgage rules introduced require that all Home Buyers to pass a mortgage Sress Test if you make a down payment of 20% or more. In 2019, changes to the Stress Test include... lowering the qualifying rate, and eliminated the need for borrowers to be re-tesed when switching lenders. The 5 year posted rates were high is one reason for people they wanted to buy they could not qualify under the NEW rules. In 2020, due to the Covid-19 Pandemic, the Government offers many benefits for Buyers, because of low mortgage rates, and as a result, Buyers are able to buy and qualify for a loan, or even easier for them to qualify for Mortgages. Now, it is a good time to buy. If you are thinking of buying or selling, please give me a call at 416 893-3798 or by email [email protected] I will be happy to assist you further. STAY POSITIVE & STAY SAFE!

If you are looking for a new mortgage, now it is a good time to get a Five-Year Rate below 2.5% and Variable Rate is 1.84% because they are quite low, so let me know if I can help you to arrange a Mortgage Specialist to further assist you. Please contact me at 416 893-3798 I am here to help! Thank you

Due to Covid 19 pandemic, we are all experienced the negative impacts. The great news is the government has lower the interest rates to help reduce your debts. You'll see a huge decrease on both mortgage and on a line of credit, as you'll see $200.00 decrease by 0.50% these really significant number. In the last few months, the housing market was doing very well until we got hit with this disease. My advice is if you are looking to buy now - take advantage of the low interest... rates - do not wait while it shows less supply on the market and less competition and you have more negotiating power. For sellers, depending on your current circumstances - whether you are going to list now or in the future it is totally up to you - the choice is always yours - and it will get sold anyway because less buyers on the market. So I see it is going to be a volatile market. If you are looking to buy or sell, contact me at 416 893-3798 or by email: [email protected] and I will be happy to assist you. I am always available to answer questions about the current real estate market. STAY HOME &STAY HEALTHY & STAY SAFE!

UPDATE: SOLD Just listed for Sale on MLS! 2 Bdrms + Den 2 Baths Condo Townhome - 25 Turntable Cres 127 This gorgeous two level Townhome unit move in ready. Located in the amazing Davenport Village. Close to ALL amenities with a great park near by, step to TTC and minutes to subway, school, daycare, malls, groceries and more. Open concept modern kitchen and walk out to spacious private Terrace is ideal for entertainment! Inquiries or Viewing 416 893-3798 or by email [email protected]

Is your home ready? Here are the tips help to update your home based on your budget and increase your home value in the long-run.

Welcome to my NEW Listing coming soon to Treb's MLS system! 127-25 Turntable Cres, Toronto - Lansdowne/Davenport Stacked Condo Townhouse Main Floor - 2 Beds, 2 Baths & Den, Master bed rrm with walk-in closet & 2 bed rm, En-suite Laundry + Balcony is situated in the amazing Davenport Village. Close to ALL amenities, steps to schools, Dufferin Mall, Cafe & Restaurant, Groceries, and more...Spacious private terrace is ideal for entertaining space with a great park nearby.... If you know of anyone who is thinking of buying or selling, contact me at 416 893-3798 or by email [email protected]. I look forward to hearing from you!

The spring is around the corner, it is the best time to sell your home somewhere between March and June. If you want to sell your home for the top dollar, you need to have a PLAN in place as to how much you are going to spend in order to update your home both cosmetic and mechanicals - this way you'll see much higher return in a short period of time. De-clutter your home is important when potential buyers walk-in a home they want to see themselves living there. The things like your family photos on the wall or on the fridge should be removed and be organized. I can also arrange a professional stager consultant come in to give you their suggestions of what they can do to show your home at its best. If you have any questions regarding the current real estate market, please call me at 416 893-3798 or by email [email protected]