Sandra Tulshi
155 Rowntree Dairy Road Unit 4 L4L 6E1 Woodbridge, ON, Canada

Looking for a Low Downpayment Home? Did you know that you could obtain a mortgage with a downpayment of only 5% of the purchase price with a loan insured by the Canada Mortgage and Housing Corporation (CMHC) or Genworth? However, if you are able to make a downpayment of 20% or more of the value of the home, you automatically qualify for a conventional (uninsured) mortgage loan. This will allow you to save on mortgage insurance costs. Please contact me via email/text/call Sand...ra Tulshi-Real Estate Agent 416-890-7393 HomeLife RoyalCorp 4040 Steeles Ave. West #12 Vaughan, ON See more

MORTGAGE coming up for RENEWAL I will help to get you a lower interest rate by pulling 1 CB and use it to compare with different lending institutions. I will help with all your financial needs. please contact me for more info. Sandra Tulshi-416-890-7393 Tulshi-Mortgage Achievers 53 Woodbridge Ave.

Financing your home Most buyers rely on lenders ie. (banks, credit unions, pension funds and insurance companies) to lend them money to finance the purchase of their home. This loan is called a mortgage, it is repaid by you through regular payments over a period of time, usually on a 25 years term amortization periods. However, they can be short as short as 15 years. Usually the longer the amortization, the smaller the monthly payments. However the longer the amortization the... higher the interest cost. Total interest cost can be reduced by making additional (lump sum) payments when possible. Stay tuned for more.. Sandra Tulshi-416-890-7393 Mortgage Achievers Mortgage Agent Lic. # M11000382 53 Woodbridge Ave. Woodbridge, On See more

Let us help you save time and money Mortgage or Refinance to pay off High Interest Credit Cards Tax arrears Extra Cash for Special Occasions... Power of sale No credit Self employment Pre-Approval-Home Purchase All Credit Challenges For more info. please contact Sandra Tulshi-Mortgage Achievers 416-890-7393. See more

A second unit, more commonly known as an accessory apartment, is a self-contained unit with kitchen and bathroom facilities within a house, rendering the house a two-unit residential property. While accessory apartments can be beneficial to homeowners, there are also many challenges. Benefits According to the Ontario Ministry of Municipal Affairs and Housing, second units benefit homeowners and the community by: providing homeowners with additional income... providing more housing options for extended families, elderly parents, or a live-in caregiver maximizing densities creating jobs in the construction industry Challenges Accessory apartments must comply with applicable legislation, such as Ontario Building Code and Fire Code, and municipal bylaws (zoning and fire safety standards). The Building Code applies to construction of new buildings, and alterations, additions, and changes in use within existing buildings. Homeowners considering establishing a second unit may need a building permit, depending on whether alterations to the house are needed. Similarly, the Fire Code (specifically, Section 9.8) regulates fire safety in existing structures, including two-unit residential properties. Finally, each municipality will have specific zoning and fire safety standards to which second units must adhere. What Salespeople Should Know When dealing with houses with accessory apartments, the one issue salespeople must determine is whether it is legal. Determining legality can be accomplished by asking the following questions: 1. When was the unit constructed? 2. When was the unit occupied? 3. Was a building permit issued at the time of construction? 4. Did the unit meet fire code provisions at the time of construction/occupancy? 5. Did the unit meet zoning requirements at the time of construction/occupancy? 6. Did the unit meet electrical requirements, in accordance with the Electrical Safety Code, at the time of construction/occupancy? 7. Were all necessary inspections (i.e., electrical inspection and an inspection by the local fire department) completed to ensure compliance? When representing buyers considering purchasing a home with an accessory apartment, salespeople should encourage them to include a condition in the agreement of purchase and sale to provide sufficient time to consult appropriate experts. References: Ontario Ministry of Municipal Affairs and Housing (2015). Secondary units. Retrieved from http://bit.ly/1BzSMoN. Ontario Real Estate Association and Acronamic Learning Systems Inc. (2015). Land, Structures and Real Estate Trading. Don Mills, ON: MediaLinx Printing Group.

RECEIVE A FREE GIFT UPON EVERY MORTGAGE FUNDED AND CLOSED, when you mention you seen on Facebook. Looking for Private $$$$ to stop Power of Sale / Assignment / Buyout a Mortgage stop right here. Some conditions may apply. We have PRIVATE $$$$ to stop the bank from taking your home and equity away from you, what you work hard for. ... DO NOT LOSE YOUR HOME to SHARKS! Let's work together so that you keep YOUR LIFE SAVINGS. Some conditions may apply. Don't forget to inquire about COMMERCIAL-FARM-CONSTRUCTION LOANS. Please call, text or email. Sandra Tulshi 416-890-7393 Mortgage Achievers Mortgage Agent Lic. # M11000382

~Seperated/Divorce needs home ownership ~Damage credit after a separation/divorce let's fix it ~Putting you in a situation to get home ownership ~Can't get a loan? ~You need to call me ... Please call Sandra Tulshi 416-890-7393 Mortgage Agent Lic. # M1000382 Mortgage Achievers 53 Woodbridge Ave Woodbridge

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Women over 55 are reshaping the Toronto condo market Condos are appealing to single buyers because you don’t have to worry about a whole layer of infrastructure. Pooling resources to pay someone to do maintenance really reduces the burden on an individual, unlike a single family home. Safety is another key concern for single women, who appreciate not having to leave their home empty when they travel, and not having to answer the door to strangers. For more info. Sandra Tulshi 416-890-7393

Getting a Mortgage Before you have a Purchase and Sale Contract accepted you should have a pre-approval done.To get an approval you will have to have all the necessary documents available for the parties who will be going on title. Income verication, id's, proof of Downpayment, if gifted proof of source where it's coming from. Depending on your DP if 20% or more you will have a Conventional Mortgage-In this case you save thousands of $$$ on the CMHC Insurance premimum. If LES...S than 20%-This is known as a High Ratio Mortgage, you will have to pay the Insurance premimum. You can pay thi upfront or added on to the mortgage.For more info please call Sandra Tulshi-Mortgage Achievers 416-890-7393 For all your Real Estate and Mortgage Needs See more

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USING YOUR RRSP AS YOUR DOWNPAYMENT The minimum down payment is only 5%, and historically Canadians have proven capable of raising the money for their down payments. We know you can do it too. Here are some ways we've seen others raise their down payments: If you've been saving for retirement, the Home Buyers' Plan (HBP) allows you to take up to $25,000 from your personal RRSP, and another $25,000 from a spouse under certain conditions.

Lease Option and Rent to Own Program This program allows you (Future Buyer) to occupy the home you choose to move in and live in now and own it in future. You will pay a monthly payments like rent, while a portion of your rent goes towards building up your downpayment upon taking title. This gives you the time to improve your Credit Score and financial situations. After the credit is fixed we will then get you a mortgage where the house will then be transferred into your na...me. Stay tune for more info. coming soon Please visit my website www.sandratulshi.com email [email protected] Sandra Tulshi-416-890-7393 Mortgage Achievers 53 Woodbridge Ave. Unit #3 Woodbridge, ON L4L 2S6 Mortgage Agent-Lic. # M11000382