Well, that is a tough title to hold yet maybe I can help you navigate the waters a little bit.
There are many factors to include when deciding who to work with as your Real Estate Professional.
For a great list to consider, try the link on my website titled Questions to ask all Realtors.
But let's try and help you here.
Firstly, you want to make sure they live, work and play in Surrey.
I live, work and play in Surrey.
Secondly, you want to make sure they are highly recommended by past clients.
See what my clients are saying in real time on Google Reviews. Visit them here.
Lastly, you want to make darn sure they are really good at what they do.
I like to think I am pretty damn good at what I do, you can see the results I produce for my clients published directly on my website. Visit www.germyn.ca
Most people choose their Realtor based on the wrong criteria. I suggest that it is the results they have produced for others in the past that make an excellent indication of what kind of results they will produce for you.
I constantly get phone calls to our office from great clients mentioning they Googled "best Realtor in Surrey" and found my name. And I am honored!
I do not do any advertising for this, yet I have found some other 3rd party websites (which I have no affiliation to) promoting my services based on many factors. These 3rd party companies check factors such as online reviews, history of the company, complaints (if any), ratings, trust, cost and general excellence.
I am fortunate to have websites like www.threebestrated.ca, as an example, promoting my services for Real Estate in Surrey.
So am I the best Realtor in Surrey?
I humbly will admit that I am not perfect, yet I can tell you that client satisfaction is my number 1 priority. To be the best in Surrey, it takes a commitment to producing outstanding results while maintaining a high caliber of service to those families I help buy and sell homes each week.
I am dedicated to improving my business in each and every way, and seek active feedback from each and every client. Since 2007, I have been providing Real Estate services to the Surrey and surrounding areas.
I will commit to doing my best and improving the client experience each and every day, so I can continue to be the one that shows up as the best Realtor in Surrey.
Thank you for your continued trust and support. I look forward to meeting you one day.
Until next time,
8 Simple Ways To Pay Off Your Mortgage Quicker
You and I have something in common. We all have a mortgage and we all want it gone. Being that you are one of my favourite people, I wanted to be sure to pass the goods onto you to show you how you can pay your mortgage off earlier and save more money over time.
Essentially, most mortgages are front loaded with the interest portion of the loan being the majority of each payment. That means for each year that goes by, you put more money into the equity portion (the portion you own) and the interest portion gets lower. At the start of the loan, the interest amount is significant so the faster that mortgage is lowered, the less interest you will ultimately pay.
A 25 year mortgage on $500,000, at todays fixed rate of 2.35% paid monthly.
Check out the difference of interest payments in year 3 vs year 22.
Interest Paid - $10,452
Interest Paid - $934
Over the course of the loan of $500,000, you would pay approx $160,796. Yeah….
This just goes to show, if you commit to buying down your property faster and/or implement 1 or more of the techniques, you stand to save thousands of dollars over the course of your loan. Here are a few simple (and a few aggressive) strategies to help you do so.
Use your tax return to put a lump sum towards your mortgage each year.
Round your payments to the nearest hundred dollars
Add a suite, if possible
Lump sum payments (Christmas bonus, annual bonus, inherited money, etc)
Refinance your mortgage
Change to Accelerated Bi-weekly payments
Shorten your loan timeframe
1 extra payment per year
We hope that helps you in your attempts to pay down your mortgage faster, and use that money for further real estate investments, or what ever makes you happy.
Let us know if this has helped, we would love to know.
Wishing you all the best,
Macdonald Realty LTD
PS- Always consult with a mortgage professional prior to making any of the changes above and get the numbers directly from them. This way, you can have a clear idea of the enormous effect some of the simple ideas above can have on your financial future. Good luck!