Constantine's Blog

CENTUM Core Financial Mortgage Rates September 10, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Fri, 10 Sep 2010 12:11:33 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Market Rate (%)    Duration    Our Rates (%)
4.35                      1 Year            2.54
4.20                      2 Years    3.65
4.65                      3 Years    2.90
5.59                      4 Years        4.44
5.49                      5 Years    3.79
6.85                      7 Years    5.55
6.90                     10 Years       5.49
2.75              Variable 2.15

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Bank of Canada Raises Interest Rate, September 8, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Thu, 09 Sep 2010 17:05:54 -0400

The Bank of Canada raised its key interest rate another 25 basis points Wednesday morning, making it the third increase since June.

BoC Governor Mark Carney’s move to increase the overnight lending rate from 0.75 per cent to 1 per cent suggests the bank is confident with Canada’s economic recovery and that monetary stimulus can be relaxed.

Still, Canadian gross domestic product (GDP) didn’t meet the bank’s expectations for the second quarter, rising only 2 per cent instead of 3 per cent.

Second quarter growth represents an even sharper decline compared to the previous quarter when GDP was 5.8 per cent.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip September 8, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Wed, 08 Sep 2010 17:52:25 -0400

The Home Tour

You’ve completed all of the initial steps before you start showing property, it’s now time to set-up your home tour and schedule showing appointments.

Here are the critical steps:

1. Less is more: The more homes you show a buyer, the more confused they get. Drill down to the specific wants and needs of your buyer. This information is gathered during your buyer counselling interview. Keep the tour between 3-5 homes, any more than that can create confusion and indecision.

2. Create a map: Provide the buyer with a map that details the location of each property that you are going to show them. Highlight the different schools and points of interest on the map.

3. Provide comparables: Educate the buyer and make them aware of the current marketplace. This will help the buyer better understand the market and make a realistic offer that they are comfortable with.

4. Meet at our office: Have the buyers meet you at our office so that you can sit down and review the homes they are going to see. Upon arrival back to the office, this is the best time to write up the offer.

Your next tip will be Showing and Selling Property. Until then I wish you all continued success.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Paying Your Mortgage Off Faster?

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Wed, 08 Sep 2010 17:38:02 -0400

How do I pay off my mortgage faster?

Paying off your home doesn’t have to take a lifetime. By planning ahead and sticking to the plan, you
have the opportunity to pay your mortgage off faster. Here are seven ways to pay your mortgage down
faster and decrease the amortization and interest costs off your mortgage:

Choose a mortgage with a prepayment option - A prepayment option gives you the right to
prepay specified amounts of your mortgage principal
Shorten your amortization period - By shortening your amortization period to less than 25
years you can create huge interest savings
Increase your regular mortgage payment - Increasing your regular mortgage payment helps
you reduce your mortgage principal faster, which means you save interest
Increase your mortgage payment frequency - If you increase the frequency of your mortgage
payments from monthly to accelerated bi-weekly, you are making one additional monthly payment
every year, which will cut your interest cost over the life of your mortgage
Invest your tax refunds and cash windfalls - If you find yourself with more money than you
anticipated, you should consider making a lump-sum mortgage payment against the principal.
Your mortgage principal will decrease and you won’t have to change your spending habits
Invest your pay raises – If you find yourself with a pay raise, increase your mortgage payment
amount. Increasing your mortgage payment helps you to reduce your mortgage principal faster
Keep your mortgage payments high - When the time comes to renew your mortgage, keep
your mortgage payments high even if you’re tempted by lower interest rates and a lower monthly
payment. If you stick to your original plan, you’ll pay off your mortgage faster and enjoy huge
interest savings over the life of your mortgage.

Try our CENTUM Pre-Payment Mortgage Calculator
Use our online Prepayment Analyzer Mortgage Calculator to calculate your mortgage payment. Discover
how many years you will shorten your amortization and how much interest savings you will realize by
making a prepayment (lump sum) on your mortgage.

Buying a home is one of the biggest financial decisions you will make. It’s important that you are making
an educated decision with someone looking out for your best interest. CENTUM Financial Group can
help.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates, September 6, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Mon, 06 Sep 2010 11:56:28 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Market Rate (%)    Duration    Our Rates (%)
4.35                      1 Year           2.54
4.20                      2 Years       3.65
4.65                      3 Years       2.90
5.59                     4 Years          4.44
5.49                      5 Years       3.79
6.85                      7 Years       5.55
6.90                     10 Years    5.49
2.75               Variable 2.15

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip September 4, 2010 part 2

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 04 Sep 2010 20:00:20 -0400

SHOWING THE HOME

Now it's time to get them into the car and start the homes tour .... ???

Of course, that will depend on your market-inventory knowledge.

Certainly you can convert all kinds of incoming buyer calls to appointments, but if you don't know the current inventory, you're going to waste a lot of your time, the buyers time, and look very unprofessional.

Knowledge is power, do you have market? Do you know the current inventory? How much time do you spend previewing new listings? This comes under Schedule management.s I'll give you some ideas on that further into this series.

You can qualify buyers, get their financing in place, but without up to the minute market knowledge, you're going to struggle to convert buyers into closings.

Your next tip will be building a home tour that fits the criteria of your buyer. Until then I wish you all continued success.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip September 4, 2010 part 1

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 04 Sep 2010 19:53:59 -0400

INITIAL APPOINTMENT

So congratulations, you have converted an incoming buyer call to an appointment. Now what?

    * Are you going to charge right out the door and start showing houses? I sure hope not.
    * Approach the buyer in the same fashion that you deal with a seller.
    * Do you have a buyer presentation? Do you have a buyer qualification process that you use?
    * Do you have a buyer questionnaire that you use? How do you determine the buyer's wants and needs?
    * Do you immediately connect your buyer with a loan officer to discuss financing options and a prequalification letter?

Next tip I will discuss showing the home. Until then I wish you all continued success.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip September 3, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 04 Sep 2010 19:47:53 -0400

CONVERT THE CALL

When you get that incoming buyer call, they are full of questions and just want answers.

How do you gain control of an incoming call? Is it by providing answers or when you ask questions? Just find out what the buyers needs are, then deliver based on those wants and needs.

Here are a couple typical mistakes I see when a buyer calls in. The agent goes into sell mode, the agent provides all the information; the buyer graciously accepts the information and hangs up but the needs go un-serviced and the agent doesn't get an appointment. Who is the biggest loser?

The second mistake that I see is the agent preparing their response for the buyer before the buyer completes what they are saying. Basically it's an agent that doesn't listen.

Here's the solution: Listen very closely, restate what the buyer has communicated to you and base your next question on their response or question.

Next tip I will discuss the initial appointment. Until then I wish you all continued success.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates, September 4

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 04 Sep 2010 19:23:59 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Market Rate (%)     Duration     Our Rates (%)
4.35                      1 Year         2.54
4.20                      2 Years        3.65
4.65                      3 Years    2.90
5.59                    4 Years    4.44
5.49                      5 Years    3.79
6.85                      7 Years    5.55
6.90                     10 Years 5.49
2.75               Variable    2.15

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates, September 3, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Fri, 03 Sep 2010 13:39:20 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Market Rate (%)    Duration    Our Rates (%)
4.35                      1 Year        2.54
4.20                      2 Years 3.65
4.65                      3 Years 2.90
5.59                    4 Years 4.44
5.49                      5 Years       3.79
6.85                      7 Years 5.55
6.90                     10 Years    5.49
2.75                     Variable        2.15

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates September 2, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Thu, 02 Sep 2010 12:53:34 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Interest Rates
Posted Rate    Term         Our Rates*
4.40%            1 Year           2.54%
4.75%            3 Years         2.90%
5.59%            5 Years         3.79%
6.90%          10 Years         5.49%
2.75%           Variable         2.10%

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Mortgage Rates, September 1, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Wed, 01 Sep 2010 20:46:26 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Interest Rates
Posted Rate    Term         Our Rates*
4.40%            1 Year           2.54%
4.75%            3 Years         2.90%
5.59%            5 Years         3.79%
6.90%          10 Years         5.49%
2.75%           Variable         2.10%

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Mortgage Rates August 30, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Mon, 30 Aug 2010 15:45:12 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Interest Rates
Posted Rate    Term         Our Rates*
4.40%            1 Year           2.54%
4.75%            3 Years         2.90%
5.59%            5 Years         3.79%
6.90%          10 Years         5.49%
2.75%           Variable         2.10%

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 29, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sun, 29 Aug 2010 19:56:00 -0400

LEAD GENERATION

Buyers can be very time consuming, if you don't have a specific SYSTEM in place.

Your next series of tips will take you through a system that will funnel well qualified buyers your way, increase your conversion rates and decrease the amount of time you have to spend with them.

How are you currently generating your buyer leads? Rather than sit back and wait, our market demands ACTION! Now is the time to really sit down and think of various "systems" that you could put into place that will garner these leads even while you might be away. Yes, you oversee the system and the system does the work!

Here are some ways to consistently generate buyer leads.

    * Homebuyer seminars
    * For Sale by Owners that want to buy another house
    * Open House
    * Kiosk
    * Sign Calls
    * Ad Calls
    * Internet Leads
    * Referrals from Past Clients
    * Your Mortgage Broker
    * Your Real Estate Lawyer
    * Relocation Referrals

Your next tip, I will discuss call conversion.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

What is the minimum down payment needed for a home?

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 28 Aug 2010 17:29:58 -0400

A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. For instance, in the Greater Vancouver area the maximum purchase price with 5% down is $250,000. Any purchase price in excess of $250,000 requires a minimum of 10% as a down payment. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable).

Regardless of the amount of your down payment, at least 5% of it must be from your own cash resources or a gift from a family member. It cannot be borrowed.

Lenders will generally accept a gift from a family member as an acceptable down payment provided a letter stating it is a true gift, not a loan, is signed by the donor. Where the mortgage loan insurance is provided by Canada Mortgage and Housing Corporation (CMHC), the gift money must be in the your possession before the application is sent in to CMHC for approval.

Mortgages with less than 25% down must have mortgage loan insurance provided by either CMHC or GE.

View the latest CENTUM mortgage rates.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 28, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 28 Aug 2010 17:22:57 -0400

Working with Buyers (4)

What does the buyers home search process look like?

    * Median number of weeks searched: 10
    * Median number of homes seen: 10

How much time are you spending with your buyers? If you're spending more than 10 weeks with a buyer are they a real buyer or someone wasting your valuable time?

The length of the typical home search rose from eight weeks in 2007 to ten weeks in 2008. During the search for a home, buyers viewed a median of ten homes before making a purchase.

Among buyers who used a real estate sales representative / broker when searching for and purchasing a home, the median length of the total search was ten weeks. before contacting the sales representative / broker, these buyers typically searched for two weeks. The median length of the home search for first-time buyers is 12 weeks. First-time buyers also searched for a somewhat longer period before contacting an sales representative / broker.

    * What kind of qualification process are you using before you work with a buyer?
    * Did you make an appointment with a qualified Mortgage Broker?
    * Do you feel like you are a professional tour guide or taxi driver?
    * Do you have a buyer that you've shown over 30 homes and they haven't made a buying decision?
    * Do you really know what their wants and needs are?

The goal is in better qualifying your buyers and provide showing/selling strategies so that your time is more productive.

Your next tip, I will discuss call conversion.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip #2 August 27, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Fri, 27 Aug 2010 10:21:08 -0400

Working with Buyers (3)

What information sources do buyers use in their home search?
•   90% Internet
•   87% Real estate agent
•   59% Yard sign
•   46% Open House
•   40% Print Newspaper Advertisement
•   26% Home-book magazine
•   18% Home Builder
•   8% Television
•   6% Billboard
•   4% Relocation Company
•   2009 NAR Survey Results

Evaluate your current strategies to capture buyers. How would you measure yourself in the above areas?

Your next tip will measure the buyers active home search process.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 27, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Fri, 27 Aug 2010 10:15:08 -0400

Working with Buyers (2)

What else does the repeat buyer want from their real Sales Representative / Broker?

•    Tell them what comparable homes are selling for - 8% of buyers want this from their real estate Sales Representative / Broker.
•    Help determining how much they can afford - 4% of buyers want this from their real estate Sales Representative / Broker.
•    Help find and arrange financing - 2% of buyers want this from their real estate Sales Representative / Broker.

Be sure you don't make a habit of "winging it!" Do you have up to the minute knowledge of the market? Do you have a credible and dependable Mortgage Broker that you work with to qualify your buyers?

I'm sure you will agree, when you get to the point of submitting their offer you will be asked for documentation and the credit worthiness of your buyer ... JUST BE PREPARED!

Your next tip will provide you with the information sources that buyers use in their home search.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 26, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Thu, 26 Aug 2010 21:38:47 -0400

Working with Buyers (1)

Rather than racing blindly after as many buyers you can come in contact with, wouldn't it be valuable to know what the expectations and behaviour of today's buyer? This series of tips will focus on the buyer's expectations, wants and needs; and the strategies and the tactics for you to use to secure more buyer closings.

The first two tips will provide you with what a repeat buyer wants most from their real estate Sales Representative/Broker.

The agent expectations by the repeat buyer are to:

    * Help find the right house to purchase -53% of buyers want this from their Sales Representative/Broker.
    * Help with price negotiations - 13% of buyers want this from their Sales Representative/Broker.
    * Help with paperwork - 8% of buyers want this from their Sales Representative/Broker.

Based on the above, here are some questions for you to consider.

    * Do you listen closely to your buyer's wants and needs?
    * Are you up to date with the inventory of available homes in your marketplace?
    * Do you have negotiating strategies and skills to support buyer wants and needs?
    * Do you clearly understand purchase contracts?
    * Do you want to increase your competency in the areas that buyers want you to be skilled?

Next tip I will discuss what else does the repeat buyer want from their real estate Sales Representative/Broker.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates August 26, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Thu, 26 Aug 2010 21:09:01 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Interest Rates
Posted Rate    Term         Our Rates*
4.40%            1 Year           2.54%
4.75%            3 Years         2.90%
5.59%            5 Years         3.79%
6.90%          10 Years         5.49%
2.75%           Variable     2.10%

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

CENTUM Core Financial Mortgage Rates August 24, 2010

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Tue, 24 Aug 2010 12:55:40 -0400

GET THE MORTGAGE THAT MEETS YOUR NEEDS

With unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE!

Interest Rates
Posted Rate    Term    Our Rates*
4.40%      1 Year           2.54%
4.75% 3 Years     2.90%
5.59% 5 Years     3.79%
6.90% 10 Years       5.49%
2.75%   Variable        2.10%

OAC. Certain conditions may apply. Rate subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary provincially and are subject to change without notice. Independently owned and operated.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Commercial Real Estate Investment in Canada Booms

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Tue, 24 Aug 2010 12:08:47 -0400

A new survey by CB Richards Ellis shows that investment in commercial real estate in Canada is strong – despite media reports of an opposite trend in residential real estate.

According to the CBRE report, commercial deals done in the first half of 2010 totalled $7.8 billion as opposed to $4.9 billion for the same period in 2009 – a 60 percent increase. Because last year’s sales were hampered by the effects of the recession, surveyors also compared sales to 2005, which was a more typical year of activity; deals this year still outdid that period by 22.8 percent.

Toronto recorded the highest activity, followed by Vancouver, Montreal and Calgary. According to a CBRE spokesperson, this is a rare year when commercial sales transactions are up across all major cities.

Interestingly, foreign investment does not account for a significant portion of the volume.

At CENTUM Core, we have specialists in commercial investment mortgages. Request a callback from one of our agents.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 24

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Tue, 24 Aug 2010 11:12:32 -0400

How much are you going to invest in your business for the remaining year?

Your first consideration is "How much did you invest in your real estate business last year and what was your return on your investment (ROI?) Secondly, what were the dollars that produced "results"! Start making a list of your activities, dollars spent and what were the results!

Here is your measuring stick and rules:
•   You must constantly be measuring because you can't manage what you don't measure.
•   Look at your past expenses and determine if you received a favourable return on the investments in your business.
•   Simply focus dollars in the areas that generate a result.
•   A rule of thumb for marketing dollars: You should invest between 10 - 15% of your gross income in marketing dollars. I've seen this number as high as 25%.
•   Please focus on what is working and invest in it. Don't get carried away in costly print advertising.
•   Have you created a internet marketing strategy? How about Google Ad Words. You will be surprised how inexpensive this may be compared to print ads. Not only are you saving hard earned money but if 87% of the buyers are online, 3% are using newspaper advertising, I would think you want to be focusing on where the buyers are looking and Save Your Money!

Next tip I will discuss working with Buyers.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

Coaching Tip August 22

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sun, 22 Aug 2010 17:24:59 -0400

Action steps to accomplish your Business Plan

Let's not make this a complicated process, the only magic pill is not reinventing what you do, just make a decision to some specific action steps and be consistent.

Start by sticking with what has been successful in the past, what has worked before and make sure that you're consistent. Interesting, it really isn't that complicated a process but a little coaching and mentoring sure helps.

So, what does a balanced plan of attack look like?

    * A consistent marketing plan
    * A consistent prospecting plan
    * A consistent internet strategy
    * A database management system
    * An ongoing farming strategy
    * A robust referral system

You're running a business; you need to project your expenses along with revenues. Your next tip will focus on expenses.

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.

10 John Street, Buckhorn Ontario.

Constantine Isslamow (Century 21 United Realty Inc. / Centum Core Financial) — Sat, 21 Aug 2010 16:24:07 -0400

THIS GORGEOUS HOME IS CONVENIENTLY LOCATED ON A CUL-DE-SAC OVERLOOKING BEAUTIFUL BUCKHORN LAKE IN THE HEART OF THE KAWARTHAS. AN AMAZING GOURMET KITCHEN WITH GRANITE COUNTERTOPS AND LARGE ISLAND IS OPEN TO THE SPECTACULAR GREAT ROOM AND DINING ROOM AND ARE JUST A FEW OF THE OUTSTANDING FEATURES OF THIS ONE-OF-A-KIND PROPERTY.

Price:     $1,365,000

MLS® #:     2010104195

For more details on this listing, please contact Ted Wiggins, Broker, CENTURY 21 United Realty Inc. 1-800-281-1054 or

Website: www.tedc21.com Email: tedc21@nexicom.net

It's Your Career - I'm Here to Support YOU!

Constantine Isslamow

Broker of Record / Mortgage Broker

CENTURY 21 United Realty Inc. Brokerage.

Independently Owned & Operated

CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391

Friends, followers and Connections are the way of the future.