Kavanagh Real Estate Blog

McGuinty rejects public hearings on HST; expects new tax to be election issue

Sean Kavanagh (Century 21 Miller) — Wed, 18 Nov 2009 16:48:48 -0600

There's no need for the Ontario government to hold public hearings on its plan to harmonize the provincial sales tax with the GST next July, Premier Dalton McGuinty said Wednesday, adding that voters can pass judgment on the issue in the 2011 provincial election.

Basically, McGuinty is telling the public he plans to ram this tax down your throat whether you like it or not and it doesn't matter what you think about it either because he's not interested in listening. He goes on to belittle the public by stating that the topic can be discussed at election time in 2011. The interesting piece of that comment is the new tax is slated to take effect in July 2010. Once again, we can talk all we want, but McGuinty won't listen to your concerns until after he has pushed the new tax through.

"There has been, and there will continue to be, all kinds of opportunities for people to have conversations on this, whether you're talking about talk radio, letters to the editor, blogs, water cooler conversations (or) kitchen table conversations," said McGuinty. "I would be very surprised if this was not an issue up for consideration at the time of the next election. People will have an opportunity to pass judgment on us in connection with the HST."

"It's going to be a long November and December for Mr. McGuinty and his Liberals if they think they're going to ram the HST legislation through without public consultations," warned Progressive Conservative critic Lisa MacLeod.

McGuinty should agree to hold public hearings on the largest tax changes in Ontario history, and hear the concerns people have about paying eight per cent more for goods and services currently exempt from the provincial sales tax, said NDP Leader Andrea Horwath. "He needs to be talking to the people and hearing what they have to say about the fear they have about the impact of this tax," said Horwath.

This tax is likely to pass, but what should be concerning to the Ontario public is that your elected official plans on pushing through the largest tax change in Ontario's history, yet he isn't even interested in what you have to say about it. For more information on this topic, please follow my blog posts at www.seankavanagh.ca

10 best home upgrades for resale

Sean Kavanagh (Century 21 Miller) — Thu, 15 Oct 2009 17:34:27 -0500

When people decide to sell their home, often they are uncertain if they should update their home. If so, what upgrades would bring the greatest return and most importantly, how much money should be spent on those upgrades. Upgrading before you sell can get out of hand, so set a budget and stick to it or you won’t be able to get that money back on the sale of the home. Consider giving your home any of these 10 upgrades when looking to sell.

If you're preparing your home for sale, there are certain improvements that are definitely worth their cost by helping to attract more buyers, by selling your home faster, by making back most (if not all!) of your investment, or even by increasing the value of your home. It is also wise to check with the government programs that currently offer rebates and grants. Not only can you apply for the tax rebate program for upgrades up to $10,000, but both levels of government are currently offering ecoEnergy grants for upgrades that make your home more energy efficient. There is a lot of money to be given out, why don’t you go out and get it!

1 Kitchen
An updated kitchen is one of the most popular renovations to add value to your home. Certain upgrades --granite counter tops, hardwood or ceramic floors, premium appliances (especially stainless steel), islands and undermount sinks are all desireable upgrades and will add significant value to your home. Many buyers want to walk into a home and have the kitchen done for them. Outdated kitchens will have a lot of buyers heading for the exit before they even see the rest of the house.

2 Hardwood floors
These days, hardwood flooring is a feature many people are looking for in a new home. Often people will take money off of the asking price because they know they will incur the cost of ripping out the carpeting and installing hardwood. Older homes with original hardwood may have to be sanded down and refinished, but it is well worth the investment. The time and money you will spend will come back to you ten fold when the offers start coming in.

3 Neutral paint job It is inexpensive but adds significant value to a home. Just the freshness of a new paint job is often enough to leave buyers with a favourable impression. Neutral colours will appeal to more buyers as they can see the house without having to fight through the colours. The colour of the walls shouldn’t distract the buyer from the rest of the house.

4 Master ensuite
If your ensuite is a bit tired, it's worth upgrading, especially if you can afford a few luxuries such as a whirlpool or air jet tub, separate shower with a rainshower head, double sinks and/or heated floors. If you don't have an ensuite, perhaps you can install one by stealing space from the master bedroom or a room next to it.

5 Bathrooms
It's a simple carpentry job, but makes almost any older home seem more gracious. After kitchens, bathrooms are the next most important rooms in the home. By updating your bathrooms, you increase the amount of potential buyers. If you don’t have a lot of money, changing a light fixture, updating the faucet or changing the cabinetry hardware can add significant value to the room.

6 Upgraded lighting

Old-fashioned "can" track lighting can be easily replaced with more contemporary styles such as smaller cans or halogen track lights. Updated and modern fixtures don’t have to be expensive, but can add great value to a home.

7 A finished basement
After kitchens and bathrooms, a stylishly finished basement is high on many buyers' wish lists. Often an unfinished basement will kill a potential deal. If you have the money to do it, you will get most of it back and your home will sell quicker.

8 Landscaping
A well-maintained garden with attractive plantings, hardscaping such as brick or flagstone, and features such as urns or paths, add an elegant look to even a smaller home.

9 Front Porch/Back Deck
Two or three decades ago, tearing off front porches became fashionable in some Canadian cities, but now they're back in a big way. If you can, add a full front porch (or replace/repair the one you have if it isn't in top condition); if not, a portico (a smaller porch that shelters the front door) can be a worthy substitute. If the front isn’t where you want to update, look at the back of the home to add your value.

10 Adding a bedroom
A four-bedroom house will command a higher price than a three-bedroom, even if they're both the same size. Consider dividing a large bedroom into two small ones (as long as they're not too small, or it can have the opposite effect), or alternatively, consider converting an upstairs den or sitting room.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

October Real Estate Sales Stats

Sean Kavanagh (Century 21 Miller) — Thu, 15 Oct 2009 14:40:53 -0500

Real estate statistics for October remain strong and show we are blasting out of the recession. Toronto, Oakville, Milton, Burlington and Hamilton markets are all showing significant increases in both units sold and average prices. Also, houses are staying on the market for shorter periods of time and sellers are getting close to their asking prices. Looking at the rate of which houses are selling, it is clear the market has now balanced and whether you are a seller or a buyer, now is a great time to get into real estate.

Toronto Real Estate Board - Units sold are up 28% and average prices are up 10%.

Hamilton/Burlington Board - Units sold are up 20% and average prices up 2.6%

Oakville/Milton Board - Units sold are up 22% and average prices are up 14%

Burlington Market - Units sold are up 20% and average prices are up 5%

Oakville Market - Units sold are up 36% and average prices are up 16%

Milton Market - Units sold are up 29% and average prices are up 7%

Remember! It is important to look at your specific neighbourhood to see how your local market is moving. For more information, Click Here. For a complete and detailed report on real estate stats in your neighbourhood, please send me a brief message letting me know the neighbourhood in which you live and I will be sure to get you a report sent out right away!

FREE HOME EVALUATIONS!

If you are thinking about selling, but just aren’t sure what you could list your home for, give me a call and I can come over and provide you and your family with a free home and neighbourhood evaluation.

For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.ca I'd be happy to answer any questions to accommodate all of your real estate needs. Follow me on TWITTER or FACEBOOK! You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Home Inspection Series - Part 8: Questions to ask prospective inspectors

Sean Kavanagh (Century 21 Miller) — Thu, 08 Oct 2009 15:42:06 -0500

Now that you have bought a home and are in need of an inspection, how do you decide on who you are going to hire? Here is a list of questions that should be asked before you decide on your home inspector. You want to do everything you can to ensure you hire the best person for the job. A person that you are confident will be able to identify all of the deficiencies in the home so you have a clear picture of the condition of your home.

How long have you been conducting home inspections?

Someone may tell you they have been in the business for 10 years, but how many inspections were conducted in those 10 years.

What qualifications do you have?

As home inspection is still unregulated in Canada, consumers should ensure they are hiring an inspector who know what they are doing. CMHC now recommends that you hire a "Registered Home Inspector" or RHI who is a member in good standing with a Provincial Association.

Can you supply me with a sample report? And will I receive a written report?

Verbal reports offer no recourse for the home buyer. Always insist on a written report. If one isn’t going to be provided, find another inspector. A good report should contain comments specific to the subject property and should offer both observations and recommendations. The inspector should also be able to provide you with estimates as to what expenses will be incurred when the deficiencies will be addressed.

How much time will it take?

A home 1800-2500 sq. ft in size should take about 2-3 hours. If the inspection takes less than 2 hours, you should be concerned.

Can I attend the inspection?

If the answer is NO, you should look for another inspector. Not only is the inspection used to identify deficiencies in the home, it is an education on the home. You will learn about your home as you walk through the property (e.g. shut offs, furnace operation, etc.)

Do you use state of the art tools to inspect the home?

Are state of the art home inspection tools such as moisture meters, gas detectors, laser thermometers, thermal imaging camera, & telephoto lenses used to reduce the risk of an error.

What will be inspected?

The inspection should include the Roof, Exterior, Structure, Electrical, Heating, Cooling, Plumbing, Insulation and Interior. The goal is to identify any existing major problems that would affect a typical purchasers buying decision.

How much will the service cost?

A typical home inspection should cost $400. Cost of the inspection should not be a factor in deciding which inspector you choose. This is one of the most important parts of the process, so you should base your decision on who will do the best job.

Can I see a list of references or people to call who you have previously done inspections for?

If they can’t or won’t provide you with a list of past clients, walk away.

Do you carry errors and omissions and general liability insurance?

Inspectors are human and humans make mistakes. If the inspector misses something significant, you want to be assured you are covered.

For more information on hiring a home inspector, click this link "How to Hire a Home Inspector"

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

Home Inspection Series - Part 7: Home inspections gone wrong

Sean Kavanagh (Century 21 Miller) — Wed, 07 Oct 2009 10:25:06 -0500

Home buyers hire home inspectors to help discover deficiencies in the home they are hoping to purchase. This inspection should reveal all major issues in the home so the buyer understands the condition of the home before they purchase it. Problems arise when buyers choose to go with the cheapest inspector they can find, don’t interview inspectors before they are hired or don’t investigate the experience of the inspector they are planning to use. As home inspectors come from various backgrounds and there isn’t any standardization in the industry, without a proper background check, you never can be sure that the person you hire can properly assess all aspects of a home.

Here are a few examples of inspections gone wrong:

Couple A hired an inspector without interviewing any others because he came recommended from a trusted colleague and a discount was offered to the couple. The inspector was the father of that work colleague who made the recommendation. He claimed to have extensive experience in the field, so references were not called and a background check was not conducted. Based on the inspection report, Couple A decided to purchase the home. Less than 6 months later, the roof was leaking. “Excellent Condition” was written in the inspection report under the roofing category. When the client went into the attic to examine the roof from the inside, he could see a beam of light coming through the roof into the attic. $7,000-$10,000 was the estimate for the reparation to the roof.

Client B purchased an old home for what she thought was ‘a great deal’ because of certain deficiencies (knob and tube, older windows, etc). When it came time to sell the home less than 2 years later, a more thorough home inspection report conducted by the new buyers revealed 2 major issues that lead to them walking away from the deal. 1) When new duct work was intstalled (before my client bought the home), the contractor, rather than using elbow joints to go around the main floor joists, decided to cut large parts out of the joists to run the duct work compromising the integrity of the entire first floor. 2) An extension was put onto the house without proper permits (once again before she had bought the home). The inspection report didn’t mention anything about the extension. The first spring saw significant volumes of water fill the basement. When the extension was put on, it wasn’t damp proofed or sealed properly. This may have been over looked by any inspector, but it should have been mentioned in the report so she could seek out more specialized information. What the inspector should have noticed was how the exterior foundation was knocked out and not properly restored. The entire back of the house will continue to sink into the ground until the foundation is repaired. She still hasn’t been able to sell her home.

These clients learned the hard way how important it is to do a bit of homework and ask a lot of questions when hiring a home inspector. Never hire the cheapest person to inspect your largest investment and be sure to request and, more importantly, check references. This is not a slight against all home inspectors, as there are plenty of great home inspectors that will provide you with the best possible inspection. I am just hoping that you do your research and look into the experience of the inspector before you hire him. Also, be sure to ask your inspector for his insurance and what that policy covers.

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

Home Inspection Series - Part 6: Problems to ask your inspector about

Sean Kavanagh (Century 21 Miller) — Mon, 05 Oct 2009 08:42:51 -0500

When you see the following problems listed as a concern in your inspection report, be sure to ask more questions to find out how serious the problem is and how much it will cost you to remedy. If the inspector writes “N/A”, “can’t be determined” or worse, left blank beside any of the following problems, be sure to bring a specialist in so you have a clear understanding of the extent of the issue.

Electrical problems: Almost every home has an electrical problem, some a missing ground or reverse polarity to under sized breakers and panels. Homes built before 1955 may have 60 amp services, and may not be insured by some companies until they're upgraded. This type of outlet will have only two prongs. Houses older than 40 years may have aluminum, or even worse, knob and tube, wiring. Insurance companies may not insure homes that contain certain types of wiring. If you really love the house, be sure to have an electrician come in to determine the amount of aluminum or knob and tube wiring. Often aluminum wiring issues can be remedied for minimal expense.

Foundation cracking: In most cases, foundation failure is a result of poor surface drainage. Look for a vertical crack eight inches in from the corners. Where there is one, there is a companion probably below grade. Look for water stains on the sides of the crack to see if water has been seeping into the home through the crack. It would be advisable to get a foundation expert in to provide you with a detailed report on the necessary reparations.

Ice damming: Ice dams are responsible for clogged and damaged eavestroughs, wet insulation in the roof and walls. Wet wood, paint failure and decay will result if the problem persists. Ensure your inspector goes on the roof to check the integrity of the roof.

Galvanized plumbing: Galvanized pipes are usually found in homes over 50 years in age. Commonly, these pipes will rust from the inside out, often restricting waterflow. Eventually the pipe becomes blocked or bursts. Importantly, some insurance companies are now refusing to provide homeowner's insurance on houses with this type of plumbing.

Structural problems: Watch for over-spanned beams or poorly reinforced beams especially when a post is moved for basement renovations. Over spanned beams can cause roofs to sag over time (especially with heavy snow accumulation) resulting in serious damage and serious expense! If renovations have been done in the basement, ask your inspector to ensure load bearing walls were not removed or main supports compromised. You may also run into this issue if an older home has been converted into an ‘Open Concept’ style.

Poor air barrier and insulation: Just about every home inspected requires additional caulking and insulation. The investment in caulking is returned in just a few months and additional insulation in key areas can have a ROI in less than three years. Be sure your inspector goes up into the attic to check the level of insulation. As most of your heat will escape through the roof, it is important to be sure you are properly insulated.

Improper venting: A major issue can be found in the bathroom. Problems occur when vents are not vented directly outdoors. If you have a basement bathroom, ensure it is vented outside. Sometimes basement bathrooms will be put in by the home owner without proper permits and proper venting is overlooked.
Source: Canadian Association of Home and Property Inspectors

Top 3 defects

Problems revealed by home inspections vary depending on the construction type and age of the home. Still, there are three common problems which all carry significant cost. The life-cycle of these items is approximately 20 years, at which time these systems often need to be replaced.

1. Shingles or flat roof: For energy efficiency, structural damage and, for a flat roof, snow accumulation can lead to serious damage, leakage or collapse.

2. Furnace: For safety, energy efficiency and operating costs, ensure the age of the existing system.

3. Central air conditioning: For energy efficiency and operating costs. As with the furnace, it is important to understand the age of all mechanical parts of the home. If they are all at the end of their lifespan, you could be looking at significant expenses for new parts.
Source: Pappas Home Inspections Inc.

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Home Inspection Series - Part 5: Identify areas to increase the value of a home

Sean Kavanagh (Century 21 Miller) — Sun, 04 Oct 2009 16:15:16 -0500

It is not the intended purpose of a home inspection, but the inspection might also give you some insight into potential opportunities for repairs and renovations that will not only make your home more pleasant to live in, but may also increase its value. With the federal government's new Home Renovation Tax Credit, you may have financial incentive to undertake some of these projects once you become a homeowner.

Unveiled Jan. 27, 2009 in the federal budget, the HRTC will provide Canadians up to $1,350 in savings for money spent on home renovations through a temporary 15% income tax credit on eligible home renovation expenditures for work performed or goods acquired up to Feb. 1, 2010. The credit can be claimed on eligible expenditures exceeding $1,000 but no more than $10,000.

Renovation costs for projects such as finishing a basement or remodeling a kitchen will be eligible for the credit, along with associated expenses such as building permits, professional services, equipment rentals and incidental expenses. Routine repairs and maintenance will not qualify for the credit. Nor will the cost of purchasing furniture, appliances, audio-visual electronics or construction equipment.

Eligible expenditures include renovating a kitchen, bathroom or basement; new carpet or hardwood floors; building an addition, deck, fence or retaining wall; a new furnace or water heater; painting the interior or exterior of a house; resurfacing a driveway; and laying new sod.

Here are some things to keep in mind when planning a change or renovation:

Think about how changes might appeal to someone buying your home in the future. For more on that, please read “Think about selling it before you buy it”. You can make very personalized changes with paint because it is inexpensive and can easily be changed. However, items like flooring, cabinets and countertops have a longer life - make choices that will also be appealing to others.

Updating the bathrooms and kitchens in an older home can increase its resale value.

Don't underestimate the importance of landscaping. The right planting can improve the appearance and value of your home.

Updating your exterior paint, installing new roofing, resurfacing your walkways and driveway, adding attractive mailboxes and front-yard planting can also increase value. Over time, renovations can practically pay for themselves, especially if they result in savings on utility bills, a higher selling price or years of greater comfort and enjoyment in your home.

Home inspection 101
A home inspection is a visual examination of a house and property, including:

a thorough visual inspection of the structure (inside and out, from foundation to roof)
an examination of all major systems (Heating and Air conditioning)
an objective evaluation of the condition of more than 400 items
a printed report covering all findings and identifying potential concerns

Most appealing upgrades
Kitchen cabinet upgrade
Hardwood floor upgrade
New windows
Removing walls to open up space
Finishing the basement
Kitchen appliance upgrade
New shingles
new bathroom taps and plumbing
new bathroom tiles
Source: AmeriSpec Home Inspection Service

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

September Real Estate Sales Stats

Sean Kavanagh (Century 21 Miller) — Wed, 30 Sep 2009 22:29:22 -0500

Real estate statistics for September prove we continue heading in a positive direction. All numbers from Toronto to Hamilton are up in both units sold and average sale prices.

Toronto Real Estate Board - Units sold are up 27% and average prices are up 6%.

Hamilton/Burlington Board - Units sold are up 16% and average prices up 2.7%

Oakville/Milton Board - Units sold are up 21% and average prices are up 3%

Burlington Market - Units sold are up 13% and average prices are up 5%

Oakville Market - Units sold are up 35% and average prices are up 14%

Milton Market - Units sold are up 11% and average prices are up 13%

Remember! It is important for you to look at your specific neighbourhood to see how your local market is moving. For more information, Click Here. For a complete and detailed report on real estate stats in your neighbourhood, please send me a brief message letting me know the neighbourhood in which you live and I will be sure to get you a report sent out right away!

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Let's Murder Your Mortgage

Sean Kavanagh (Century 21 Miller) — Tue, 29 Sep 2009 08:40:59 -0500

Have you ever thought about paying off your mortgage quicker? Have you ever had some money you wanted to invest, but just didn’t know where to put your money? Bumping up your mortgage payment can save you a fortune over the years ahead.

Consider our happy newlyweds Dick and Jane. They live in Burlington, Ontario in a three-bedroom, two-storey home. They owe $200,000 on their mortgage at 6.5 per cent. Right now, they are making monthly payments of $1,340 and are on track to pay off their house in 25 years. Based on their current schedule, they will wind up paying more than $200,000 in interest over the life of their mortgage. See what happens if Dick and Jane decided they wanted to pay off their mortgage a little quicker.

1st scenario: If Dick and Jane simply increase their monthly mortgage payment by $180 to $1,520 a month, they can pay off their mortgage in 19 years and save $53,510 in interest costs.

2nd scenario: If Dick and Jane split their current monthly payment in two and pay every two weeks instead of monthly, they increase their total mortgage payments from $16,075 a year to $17,415 a year. That means they pay off their mortgage in 21 years instead of 25 years, and save nearly $40,000 in interest costs.

3rd scenario: If Dick and Jane keep making their current monthly payment, but add an additional payment of $7,000 once a year, they pay off their mortgage in 13 years and save $107,000 in interest.

In most cases, homeowners can arrange to take advantage of any of these options simply by calling their bank. But whatever strategy Dick and Jane choose, they should resist the temptation to choose banks’ latest mortgage “deal,” which consists of the ability to skip a payment once a year. While that may seem enticing, such a strategy would stretch out Dick and Jane’s mortgage payments to almost 31 years. They would pay a whopping $263,000 in interest costs over the life of their mortgage, or $61,000 more than if they had stuck with the original 25-year monthly payment schedule.

For more help on how to pay off your mortgage quicker, please contact me today so we can chat about saving thousands of dollars in interest by adding a few dollars per month to your mortgage payments.

Real estate recession over in Canada as prices recover

Sean Kavanagh (Century 21 Miller) — Tue, 29 Sep 2009 07:59:20 -0500

House hunters still waiting for prices to drop further before buying may have sat on the sidelines too long, according to a new report. A study released Thursday shows home values in some major markets across Canada have recovered to levels where they were before the recent market drop. Economists agree and say the power has shifted to a seller's market in recent months, after the buyer's were in control for more than a year.

Low interest rates, pent-up demand, and improved affordability as a result of record low interest rates are behind the recovery. This has resulted in buyers taking advantage of the low rates and jumping into the market place. Buyers who have waited for the market to ‘bottom out’ have waited too long. Housing prices have been on the rise and with a small inventory of available houses, sellers are getting close to their asking price, and in some markets, multiple offers are driving the prices over list price.

The market turn around can be attributed to the government’s new incentive programs, particularly for new home buyers. Earlier this year, Ottawa increased the amount first-time home buyers can withdraw from their RRSPs from $20,000 to $25,000, and implemented a tax credit for first-timers of up to $750 to help cover closing costs. It also introduced new tax credits of up to $1,350 for home buyers who do renovations.

The lack of supply has also affected the upward turn in housing prices. Sellers aren't putting their homes on the market because they are anticipating prices to rise further. Less inventory for buyers drives up demand, and in turn price.

Bank of Canada governor Mark Carney has issued a conditional commitment to keep the policy rate at the record low of 0.25 per cent until next summer, which means mortgage rates will likely remain at record lows for awhile longer.

A strong and stable market will bring more listings. An increase in listings and a levelling off in demand will bring us back to a balanced market over the next few months. You can follow the trends more closely by following me on TWITTER, FACEBOOK or on my website, www.seankavanagh.ca

www.century21.ca now Canada's leading real estate website

Sean Kavanagh (Century 21 Miller) — Mon, 28 Sep 2009 22:21:57 -0500

With over 95% of people beginning their real estate search online, shouldn’t the brokerage you choose to sell your home give you maximum internet exposure?

Numbers were recently released at the CENTURY 21 Canada conference in Vancouver that revealed www.century21.ca is now the leading real estate brand web site in Canada, oustripping both the REMAX and Royal Lepage brand web sites, based on number of unique visitors. The CENTURY 21 Canada web site is now second only to the Canadian Real Estate Association's www.realtor.ca site. CENTURY 21 Canada CEO Don Lawby praised the members of the CENTURY 21 Canada system for their continued support and enthusiasm in building and growing the site, and attributed its phenomenal success to the fact that www.century21.ca delivers the kind of online experience that today's buyers and sellers want and expect.

Internet exposure is what will sell your home in today’s marketplace. Century 21 has the greatest internet exposure. Why would you look anywhere else? Not only will you receive maximum internet exposure when you list with me, you will also receive your home staging for free. Maximum exposure coupled with free home staging gives you the greatest opportunity to sell your home quickly for maximum profit. I’m just a phone call, email or website click away!

I can’t wait to meet you and get your home sold.

Sean Kavanagh

Mortgage Rates Fall Again!

Sean Kavanagh (Century 21 Miller) — Sat, 12 Sep 2009 08:09:05 -0500

Mortgage rates have eased slightly for both the fixed rates & the variable rate mortgages.

The 5 year fixed rate has finally come back down below 4% to 3.99%. The variable has also moved down to prime (2.25%) plus .15% on a 3 year term & prime plus .20% on a 5 year term. The variable seems to be the way to go, as the economists are now predicting that the Bank of Canada rate will not move until 2011. Even though, the recession is over, they are saying that the recovery will be slow and gradual which will not stimulate inflation.

The economists are also predicting that it will be well beyond 3 years before the bank prime hits 4%.

Bryan Guertin of Mortgage Intelligence in Oakvile recommends that clients take advantage of the variable mortgage, but increase their payments to where it would be on a fixed rate of 4%. This way they will make a huge dent in their first 3 years. Bryan has also put together a recent bulletin from CMHC showing their market research and an explanation of how the market rebounded so quickly. For a copy of this report, please send me an email and I would be happy to share it with you.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

August Real Estate Sales Stats

Sean Kavanagh (Century 21 Miller) — Sat, 22 Aug 2009 20:00:18 -0500

Real estate statistics for August prove we are still heading in a positive direction. All numbers from Toronto to Hamilton are up in both units sold and average sale prices. For a complete and detailed report on real estate stats in your neighbourhood, please send me a brief message letting me know the neighbourhood in which you live and I will be sure to get you a report sent out right away!

Percentage increases reflect the increases from August 2009 compared to August 2008.

Toronto Real Estate Board - Units sold are up 28% and average prices are up 6%.

Hamilton/Burlington Board - Units sold are up 11% and average prices up 3.3%

Oakville/Milton Board - Units sold are up 20% and average prices are up 2%

Burlington Market - Units sold are up 13% and average prices are up 5%

Oakville Market - Units sold are up 23% and average prices are up 2.3%

Milton Market - Units sold are up 11% and average prices are up 9%

Remember! It is important for you to look to you specific neighbourhood to see how your local market is moving. For more information, Click Here

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Home Inspection Series - Part 4: Finding the Right Guy For The Job

Sean Kavanagh (Century 21 Miller) — Sat, 22 Aug 2009 17:30:09 -0500

Since anyone with a clipboard and some business cards can call themselves a home inspector, it is important to find one who is most qualified to accurately assess the various elements of a home. It is important to do your research so you can ensure the inspector you choose is the most qualified to do the best job.

First-time homebuyers should go to any chapter of the Canadian Association of Home & Property Inspectors when looking for a reputable inspector. It is there that you can check on the inspectors to ensure they have some form of training. Be careful when you read that an inspector is ‘Qualified’ as a 1 week online inspector course may cause some to feel they are ‘Qualified’.

It is always puzzling to hear stories of people willing to spend hundreds of thousands of dollars on a home and then source out the cheapest home inspector they can find or an inspector that offers the best discounts. Trying to save a hundred dollars on the inspection could end up costing you thousands of dollars down the road on flaws or faults the ‘Qualified’ inspector failed to notice.

It is a good idea to interview home inspectors before booking an appointment. Have them explain what they're going to do at the inspection. Go online and prepare a list of questions for the inspector so he knows you are wanting to be involved in the process. This may ensure that all elements of the home are thoroughly examined. Ask them about the length of time the inspection should take. An inspection should take 2.5-4 hours depending on the size of the house or condo. Also, always ask the inspector about his insurance. Insurance companies should only be insuring inspectors with a certain level of training. If the inspector deems your roof to be in ‘excellent condition’ and 4 months later water is falling into your livingroom, you want to be sure you can go back the inspector and have his insurance look after the issue.

In summary: Source out an inspector that has experience in all essential elements of the home. Prepare a list of questions so he knows you will be involved and check to make sure he has insurance and what that insurance covers. Interview more than a couple of inspectors, be careful when you read or hear the word ‘Qualified’ and never…I mean never, choose your home inspector because he was the cheapest!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

Home Inspection Series - Part 3: Accompany the Inspector

Sean Kavanagh (Century 21 Miller) — Sun, 16 Aug 2009 09:24:33 -0500

It is essential for all buyers to accompany the home inspector throughout the house. "When the client attends the home inspection, our inspector will physically show the client both the areas of concern and the benefits of the home construction. The client has a much better understanding of the quality of the home and a far greater and deeper understanding of what they're about to get into", according to George Pappas, president of Pappas Home Inspections Inc.

As you walk through with the inspector, you will see first-hand the condition of each key component of the house and property so you will have a better understanding of your house and of the inspection report.

Be sure to look at all of the findings and determine if the deficiencies are too much to take on. Learn about the operation of your new home such as how the heating system works, how to control pilot lights, how to turn on various appliances and components, and where the shutoffs are located. This will all save time and avoid frustration in the future. The inspector can point out maintenance needs and procedures and explain how and when to check items needing periodic monitoring e.g. when to change the air filter in the furnace.

Have all of your questions and concerns addressed immediately as they arise. Before the inspection, prepare a list of questions or concerns about the property. Relate these questions to the inspection company in advance to ensure that such matters will be properly addressed. Bring your list to the inspection to ensure the inspector knows you are also following along and jotting down answers and making notes. They will be less likely to skip a few points if they know you are following carefully.

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

Home Inspection Series - Part 2: Educating the Buyers

Sean Kavanagh (Century 21 Miller) — Tue, 11 Aug 2009 12:33:02 -0500

Home buyers need to know what problems exist in the home before they purchase it, they will need to be given information on how much money will be required to make the necessary reparations, as well as how much money they will need to invest in their home within the first five years or so. A good home inspector will be able to identify all faults and flaws and be able to set out a timeline for when the repairs need to be completed. A knowledgeable inspector will also be able to tell the buyer approximately how much money they can expect to pay for those repairs.

"Peace of mind," stresses George Pappas, president of Pappas Home Inspections Inc. "That's the ultimate benefit of an inspection - gaining confidence and peace of mind."

When you sign an agreement of purchase and sale, your realtor should always have included a condition on home inspection. A buyer is usually afforded 5 to 10 days to contract a home inspector to have the home assessed. The buyer should be given a written report to read over to ensure they are buying a quality home….or at least a home they would be comfortable living in!

There is no formal licensing of home inspectors, but reputable companies adhere to the rigid standards of practice established by the Canadian Association of Home & Property Inspectors. It is important to trust your realtor and interview their recommended inspector, but also search out your own inspectors to interview. Be sure you are comfortable with their level of knowledge in the major elements of a home (electrical, structural, mechanical, plumbing and roofing). This is one of the most important decisions in a real estate transaction and is often overlooked by excited and emotional home buyers. A bad decision can cost you thousands of dollars in unexpected repairs.

Qualified inspection companies will provide a sample report to substantiate that they abide by industry standards. One of the key guidelines is that ethical inspectors neither perform the repairs nor do they refer clients to repair companies. To do so would be considered a conflict of interest.

It is your right to follow the inspector throughout the assessment so you can learn about the home you are hoping to purchase. You should always ask the inspector before you hire him if it is OK if you follow him through the house. Be weary if that is discouraged! You have the right to be there. Good home inspectors will encourage this, since the buyer will probably need to learn the locations of major valves and shut-offs in their new house.

In summary, understand the importance of the inspection, it is not just a formality in the process. Interview several inspectors to ensure you are hiring a qualified and highly knowledgeable inspector. Be sure to walk throught the home with the inspector to get a clear understanding of how the home works and go through the inspection report with the inspector so you know what needs to be fixed, when it needs to be fixed and how much will it cost to get fixed.

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

Home Inspection Series - Part 1: Inspections 101

Sean Kavanagh (Century 21 Miller) — Tue, 11 Aug 2009 12:27:43 -0500

Welcome to my 8 part series on home inspections. Many home buyers underestimate the importance of a quality home inspection. A big mistake purchasers often make is to search out the cheapest home inspector on the block to conduct this vital stage of the home buying process. It makes not sense to me to have the cheapest guy inspect the largest investment you and your family will ever make. A quality home inspector will have experience in home structure, electrical systems, roofing and heating and cooling. A cheaper home inspector that does not possess this comprehensive knowledge base will miss important faults and flaws in the home that will end up costing you thousands of dollars down the road. Home inspectors are paid to help protect your largest investment, so why would you try to save $100 now on a poor inspection when it could cost you thousands down the road? I don’t know that answer, but many home buyers are making this same mistake.

I have compiled this series on home inspections with the help first time home buyers understand the importance of a home inspection and, even though you have just spent hundreds of thousands of dollars on your new home, spend a little extra to ensure you receive a proper and comprehensive home inspection. A home inspection can do more than just satisfy curiosity - it's an opportunity to learn as much as possible about your prospective purchase and its hidden potential... or pitfalls

Would you buy a used car privately off someone without having a qualified and objective mechanic give it a thorough once-over? Of course not. So when it comes to one of the most significant purchases you'll ever make in your life, a proper home inspection is not only necessary - it's essential.

Homes inspectors check all of the major systems in a home, such as the plumbing, electrical, heating and air conditioning. They'll also do a visual inspection of the foundation, doors, ceilings, roof, walls, windows, plumbing, ventilation, insulation, sewage system, lot and garage - at the very least. Their services are required to protect your investment and insure there are no structural issues or flaws in the house that you may not be aware of.

Unlike homebuyers themselves, whose observations are partial and often highly emotionally charged, a home inspector performs his role with an unbiased attitude and with the best interests of the customer in mind. By identifying existing or potential areas of concern, the inspection report will help secure your investment, avoid post-closing surprises and provide you with peace of mind. An insightful report is fundamental to ensuring you make the right buying decision.

The process usually takes about three hours, during which time the house is examined from the ground up. The inspection includes observation and, when appropriate, operation of the plumbing, heating, air conditioning, electrical, and appliance systems, as well as structural components such as the roof, attic, foundation, basement, exterior and interior walls, chimney and doors.

For condominiums, the magnifying glass is usually focused on elements such as the type of structure and its rain-sealing system; condition of the grounds, walkways, driveways and parking garage; condition of the roof; type and condition of the balconies; type and condition of windows and doors; and the level of finish, workmanship and care.

According to George Pappas, president of Pappas Home Inspections Inc., Toronto, inspections usually take about three hours for a two-storey detached house, two to three hours for bungalow and one or two hours for a two-bedroom high-rise condo. Costs range similarly, from about $365 for a condo to $425 for a bungalow or detached house (plus GST).

Home inspections cover about 1,000 check-points in approximately 400 items around the home. Findings are usually provided in the form of a comprehensive report, together with a recommended action, AmeriSpec says. It is important that such a report include an objective evaluation of the condition of the home, clearly relating existing defects and indicating potential problems.

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide

July Real Estate Market Report

Sean Kavanagh (Century 21 Miller) — Thu, 16 Jul 2009 16:36:54 -0500

What an exciting time for real estate! Forget what you have read in the papers or hear on the T.V. The real estate market has rebounded and we are on now on pace to break all time sales records in Toronto, Oakville and Burlington real estate markets. If you don’t believe me, look at the sales numbers for the month of June.

How do the numbers now compare to the pre-recession real estate sales numbers? Well, just have a look!

% Change from June 2008 to June 2009

* Toronto Real Estate Board has reported a 27% increase in units sold from this time last year and a 2% increase in average sale price from 2008.

* Burlington/Hamilton Real Estate Board has reported a 19% increase in units sold from 2008 and an increase in average sale price of 1.9% from this time last year.

* Oakville/Milton Real Estate Board has reported a 21% increase in units sold but they are still trying to catch up to last years average sale prices.

* Burlington on its own is up 19% in units sold (417 units sold in 2009 compared to 350 units in 2008) and an amazing 6% increase in average sale prices from June 2008! ($374,166 in 2009 compared to $354,864 in 2008).

If you were waiting for the real estate market to bottom, I’m afraid you have missed it! Inventory is being reduced and we are now moving out of a ‘buyer’s market’ into a more stable, balanced real estate market.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Canadian Home Sales, and Prices Jump in June

Sean Kavanagh (Century 21 Miller) — Wed, 15 Jul 2009 16:23:59 -0500

Sales of homes in Canada jumped 31.5 percent in the second quarter from the first and saw their first year-over-year quarterly increase since before the peak of the financial crisis, the Canadian Real Estate Association said on Tuesday. The report is the latest piece of evidence showing that consumers are venturing back into the home market, encouraged by low mortgage rates and signs that the worst of the recession is over. A total of 41,304 homes changed hands in the month of June.

Home sales totaled 147,351 units in the second quarter of 2009, up 1.4 per cent from the same quarter of 2008. Home sales rose 8.7 percent in June from May and they were up 17.9 percent from June 2008.

This is on par with the June record for the greatest sales month set in 2007 and is the fourth highest sales month ever for activity in any month on record.

If you were waiting to jump into the market when it had hit the bottom, you have already missed it. With sales volume and housing prices already at pre-recession levels, we can confidently predict that the housing market is on the upswing and will continue to improve.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Open House – Sunday July 19th 2:00pm – 4:00pm

Sean Kavanagh (Century 21 Miller) — Thu, 09 Jul 2009 14:05:42 -0500

5342 Cachet Crescent, Burlington, Ontario, L7L 7N6 - $489,900

One of a Kind Family Home on Quiet Crescent in the Orchard-North East Burlington with Fully Finished 1 Bedroom Apartment in Walkout Basement,Upgrades include: Hardwood Floors,Oak Stairs,High Ceilings, Upgraded Maple Kitchen with High Cabinetry, Island & walkout to Huge 2nd level Deck, Family Room with Vault Ceilings, Huge Windows & Fireplace, Main Floor Laundry, Interior Access to Double Garage, Spacious Bedrooms, Master with 5 piece Ensuite- His & Hers Vanity- Soaker Tub- Separate Shower and Walkin Closet, Stunning Sun Filled Suite in Lower Level with Full Kitchen, 4 piece Bathroom, Bedroom and Living Room with Walkout to Patio, Fully Fenced Lot Backing onto the Original Orchard- 3 car Driveway, Main Floor Laundry and More! Perfect for the Extended Family or Investment!!!

Don’t miss the opportunity to grab this great home for this great price!

Sean Kavanagh

905-220-9198

www.seankavanagh.ca

www.seansells.ca

www.kavanaghrealestate.ca

Open House - Sunday June 28th - 2:00pm - 4:00pm

Sean Kavanagh (Century 21 Miller) — Fri, 26 Jun 2009 14:57:07 -0500

5342 Cachet Crescent, Burlington, Ontario, L7L 7N6 - $489,900

Don’t miss the opportunity to grab this great home for this great price!

Sean Kavanagh

905-220-9198

www.seankavanagh.ca

www.seansells.ca

www.kavanaghrealestate.ca

Don't be fooled by national averages, look locally!

Sean Kavanagh (Century 21 Miller) — Mon, 22 Jun 2009 11:57:42 -0500

During these first days of summer, as economists are telling us that the worst of the recession may be over, Canadians are wondering how the values of their largest financial assets — their homes — are holding up. Media reports of real estate statistics have left many Canadian homeowners rightfully confused. The problem is that these statistics are usually based on averages of city, provincial and national markets. Such averages are pretty much irrelevant to what’s really happening in specific neighbourhoods. Our analysis suggests that Canadian homeowners should avoid relying on city, provincial or national averages to value their homes. Instead, sellers should monitor selling prices of similar homes in their own neighbourhoods. Buyers should monitor selling prices of typical homes in the neighbourhoods where they want to live.

Canada

In mid-June, CREA reported that the Canadian national average price for home sales via the Multiple Listing Service® (MLS) in May 2009 was $319,757, +0.4% compared with May 2008.

Greater Toronto

The Toronto Real Estate Board reports that the average home price in May 2009 was $395,609 for all transactions (single and detached homes, condo apartments and condo townhouses) in the Greater Toronto Area (GTA). The GTA is the country’s most populous urban concentration bounded by Lake Ontario on the south, Lake Simcoe on the north, Burlington on the west, and Newcastle on the east. This average price has little relevance to prices in the specific neighbourhoods and communities in the GTA, where prices for single detached homes ranged from $1.53 million in the Toronto neighbourhood between St. Clair Avenue and Bloor Street east of Bayview Avenue; to $709,000 in a rural neighbourhood east of Newmarket; to $255,000 in Oshawa.

Average home prices

Averages themselves are largely misleading. Suppose that in Year 1 five homes sold for $200,000, $220,000, $260,000, $290,000 and $500,000 (average $294,000), but in Year 2 only the first four homes sold (average $242,000). Statistically, this would mean that the average price of homes sold in this neighbourhood in Year 2 fell by $52,000, or 18%, from Year 1, even though all houses that were actually sold fetched identical prices to the previous year. Homeowners in this neighbourhood who didn’t carefully analyze the data would think their home values had fallen dramatically over the year, when, in fact, values of typical homes in the neighbourhood were stable.

Summary

The objective of this report is to help homeowners understand the relationship between widely reported real estate statistics and the value of their homes. We recommend that homeowners carefully scrutinize home price surveys from a variety of real estate organizations and economists. For a FREE evaluation of your home and for information on recent sales in your neighbourhood, please contact me at www.seankavanagh.ca

For more information on buying or selling real estate in Burlington, Hamilton or Oakville, Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca. I'd be happy to answer any questions to accommodate all of your real estate needs. Follow me on TWITTER! You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Source: Don Lawby – Century 21 - President

SOLD!

Sean Kavanagh (Century 21 Miller) — Fri, 19 Jun 2009 13:48:27 -0500

Just put up the SOLD stickers on this great property in Burlington, Ontario. If you are thinking about getting some SOLD stickers put up on your property, all you have to do is give me a call!

LIST WITH ME AND GET HOME STAGING FOR FREE!!!

As part of my full service listing package to my clients, I offer free home staging as a bonus for anyone who decides to use my real estate services to list their house.

Other benefits include:

* Maximum front page exposure on www.seankavanagh.ca and www.seansells.ca websites

* Regular blog posts promoting the property

* Regular Twitter, Facebook and LinkedIn updates to thousands of potential buyers

* Property address domain name registered for the property

* Google AdWord purchased directing buyers to your property (Google my name and see where I am!)

* Professional style photography with a 21 photo virtual tour

* Plus much, much more to get your home sold in shortest possible time for mamimum value!

Please call me today for a FREE No-Obligation evaluation of your home. The evaluation will include a comprehensive analysis report on the current value of your home compared to other properties that have sold in your area.

So pick up the phone, give me a call and let’s get your home SOLD!

For more information on buying or selling real estate in Burlington, Hamilton or Oakville, Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.ca I'd be happy to answer any questions to accommodate all of your real estate needs. Follow me on TWITTER! You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Home Buyers Now Going Online First

Sean Kavanagh (Century 21 Miller) — Thu, 18 Jun 2009 12:13:30 -0500

Home buyers are now twice as likely to use online sources than print sources to find information about open houses they are interested in.

A study found that 62% of home buyers use or plan to use online sites to find open houses, compared with 53% who use/plan to use information from real estate agents, 36% who use/plan to use neighborhood signs and less than one-third (31%), who use/plan to use print sources, including newspapers and local flyers.

The study also found that though many home buyers rely upon a range of different sources to gather information about open houses, 41% say online sources are their primary resource, while 14% cite print sources, the survey found.

"The real estate section of the weekend newspaper is no longer the go-to resource for open houses," said Sami Inkinen, co-founder and COO of Trulia. "Home buyers are increasingly going online to not only search for the most up to date listings but also to obtain rich information about the neighborhood, schools, and local shops."

Home buyers used to walk into open houses with the real estate section of the newspaper in their hands, but now they walk in with print outs of their search on the web.

With more than 9 in 10 home buyers (91%) attended or plan to attend open houses during their home-purchase process, it is vital that the realtor you choose to sell your home has a strong internet presence. Make sure the realtor you choose has a good command of all internet options available to create maximum exposure for your listing. Social media is the direction real estate marketing is heading, as well as where many buyers are now turning to for their real estate information. If your realtor isn’t taking advantage of Facebook, Twitter, or LinkedIn, you might want to ask yourself what kind of exposure you want for your listing. Check out the realtor’s website and see if they blog regularly to keep potential buyers coming back to their page. It is simply the difference between exposure and MAXIMUM exposure!

For more information on buying or selling real estate in Burlington, Hamilton or Oakville, Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.ca I'd be happy to answer any questions to accommodate all of your real estate needs. Follow me on TWITTER! You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations

Resale housing market continues to recover

Sean Kavanagh (Century 21 Miller) — Wed, 03 Jun 2009 07:47:55 -0500

Home sales activity increased for the third time in as many months, according to statistics released by The Canadian Real Estate Association (CREA). The national average price also rose again, to within short reach of the record levels set a year ago.

Sales activity climbed 11.2 per cent in April 2009 compared to the previous month. This is the largest month-to-month increase in activity in more than five years. Sales activity also reached its highest level in seven months, with 34,838 units trading hands nationally via the MLS.

Price adjustments, access to money and a surge in consumer confidence have all contributed to this current market correction. Prices of homes have made purchasing more affordable for more Canadians. As the prices of homes are determined by what buyers are willing to pay, realtors have had to adjust their pricing strategies to reflect the views in their local markets. The banks are now qualifying more potential buyers and with interest rates dropping with the housing prices, more people are feeling that now is the time to jump on the property ladder.

We are also now witnessing a balancing of supply and demand. The stabilization of the housing market can be attributed to the increase in sales activity and the decline in new listings coming on the market.

If current market trends persist, this spring could witness pre-recession sales activity. The CREA Chief Economist Gregory Klump was quoted as saying “In the recessions of the early 1980s and 1990s, sales activity bottomed out before the job market or even the economy did. Improved affordability may result in Canadian existing home sales leading the economic recovery this year.” Century21 Miller Real Estate, is also noticing a shift in market activity. Last month alone, the number of closed transactions exceeded the totals of this time last year.

For more information on buying or selling real estate in Burlington, Hamilton or Oakville, Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.ca I'd be happy to answer any questions to accommodate all of your real estate needs. You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.

I look forward to hearing from you!

Sean Kavanagh

Building Lasting Relationships and Exceeding Expectations