Recent Blog Posts by Constantine Isslamow

8 Reasons Why You Should Work With a REALTOR®

  Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the Canadian Real Estate Association and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.    1. Navigate a complicated process. Buying or selling a home usually ...

12 Questions to Ask When Choosing Your REALTOR®

  Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.     1. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.   2. What designations do you hold? Designations such ...

Open House Safety Tips

An open house can be a great sales tool, but it also exposes you to numerous unfamiliar people for the first time. Stay safe by practicing these guidelines.   Call the local police department and ask them to have a squad care drive by during your open-house hours. Check your cell phone’s strength and signal prior to the open house. Have emergency numbers programmed ...

How to Get an Offer on Your Home

1. Price it right. Set a price at the lower end of your property’s realistic price range. 2. Prepare for visitors. Get your house market ready at least two weeks before you begin showing it. 3. Be flexible about showings. It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner ...

Simple Tips for Better Home Showings

1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too. 2. Wash your windows and screens. This will help get more light into the interior of the home. 3. Keep ...

Low-Cost Ways to Spruce Up Your Home’s Exterior

Make your home more appealing for yourself and potential buyers with these quick and easy tips: 1. Trim bushes so they don’t block windows or architectural details. 2. Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle. 3. Put a pot of bright flowers (or a small evergreen in winter) on your porch. 4. Install new doorknobs ...

How to Hold a Successful Garage Sale

Garage sales can be a great way to get rid of clutter — and earn a little extra cash — before you sell your home. But make sure the timing is right. Garage sales can take on a life of their own, and it might not be the best use of your energy right before putting your home on the market. Follow these tips for a successful sale.   1. Don’t wait until the last minute. You ...

Big 5 banks cut fixed mortgage rates

Posted fixed-rate mortgages at TD Bank, CIBC, Scotiabank, Bank of Montreal and Royal Bank have been cut this week, reflecting lower rates in the bond market. Bank of Montreal was the first to announce its cuts on Wednesday while Scotiabank waited until Thursday afternoon, the last among the big banks. Laurentian Bank also lowered posted rates. The largest percentage cuts were at Scotiabank ...

Why Use a Mortgage Broker?

    CENTUM Mortgage Broker’s are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs. Centum Financial Inc. broker’s primary expertise is locating funding for mortgage financing. We know where the best rates can be found because we have the benefit of dealing with multiple lenders at ...

October 2009 Inflation Rate

Canada's annual inflation rose 0.1 per cent in October from negative 0.9 per cent in September. It's the first increase in five months, ending the longest period of falling prices since 1953. Consumer Price Index (CPI) 2005 basket content Year-over-year percentage change YEARJANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC 2000 2.2 2.7 3.0 2.2 2.4 2.8 2.9 2.6 2.7 2.8 3.2 3.2 ...

3 Year Comparable on Mortgage Rates November 2009

Current Mortgage Rates - 1/3/5 Year Rates Nov 2009 Nov 2008 Nov 2007 1 Year 3.80% 6.35% 7.20% 3 Year 4.45% 7.05% 7.35% 5 Year 5.84% 7.20% 7.39% Source: Bank of Canada It's Your Career - I'm Here To Support YOU! Constantine Isslamow Real Estate Broker/Mortgage Broker/Manager ...

CENTUM Core Mortgage Rates December 04,2009

As discussed yesterday, please find attached an updated rate sheet on mortgages.  Effective December 04, 2009  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!         ...

Should You Buy a New or Existing Home?

Buyers have so many choices these days. But after narrowing down the location and selecting the type of home you want to purchase (single-family or condo), there’s one more decision to make: Should you buy a new home or an existing one? The answer depends upon both your budget and lifestyle. Open up your local newspaper on any given day, and you’re likely to see ads from builders touting ...

Getting your Home Ready for Winter

Winter is stomping its way across the country and will soon be on your doorstep!  (If you live in Manitoba or Saskatchewan, this warning is a little late!) Here are some tips to "winter-proofing" your home - or, at least, ways to keep the season from doing serious damage. Furnace Inspection Call an HVAC professional to inspect your furnace. Stock up on furnace filters and change them ...

Keep Swine Flu out of your Home

As the country is in the midst of battling H1N1, projecting your family and friends is top of mind for many   Pl ace disinfectant hand sanitizer in your living room, kitchen and washrooms when hosting an open house. Carry individually packaged disinfectant wipes or travel sized sanitizer with you if you are visiting open houses.  Frequently wash your hands with soap. When coughing ...

5 Ways to improve your credit score

With mortgage markets still tight, it’s more important than ever to have a good credit score. Having a good score not only increases the odds of being approved for a mortgage, but it can also affect your rate, as the best interest rates are generally reserved for applicants with top credit scores. Many consumers aren’t knowledgeable about their credit scores—or what impacts them. ...

Rapport Building?

Build Rapport around FORD: Family, Occupation, Recreation, Dreams—it’s a great way to break the tension. It's Your Career - I'm Here To Support YOU! Constantine Isslamow Real Estate Broker/Mortgage Broker/Manager Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc. Independently Owned and Operated Blog / Website / Follow Me / LinkedIn CENTUM Core Financial Inc. ...

Consumer Confidence continues to improve (CREA)

National consumer confidence continued to improve for the third consecutive quarter in the third quarter of 2009, according to the Conference Board of Canada’s index of consumer confidence. Consumer sentiment is up from the end of 2008, and now stands above pre-recession levels. The sharp rise in confidence resulted from improved sentiment about households’ budgetary outlook, job growth ...

Housing Starts October 2009

October was the best month this year for housing starts in Canada :) Housing starts are a count of the number of new residential units on which construction commenced within a particular month. Only new self-contained dwellings that are to be occupied year-round are counted in the Canada Mortgage and Housing Corporation’s Starts and Completions Survey (for example, hotels and summer cottages ...

Coaching Tips & Strategies #38

LISTING STRATEGIES (19) Is it important that the seller retains what you are presenting to them in the listing presentation? Of course it is. Here are some statistics to keep in mind when you are going to a listing presentation. What we retain after 3 days: 5% of what we hear 15% of what we see 65% of what we hear and see What does this tell you about what’s important in your ...

Coaching Tip & Strategies # 37

LISTING STRATEGIES (18) Step 14 of the listing presentation. Explain to the seller what happens next, all the way through to closing. Pretty simple in theory, but a time that you must use to make them aware of everything that goes on during the marketing and sale process; and everything you could think of that might not go right! First, let’s focus on the initial steps of marketing the ...

U.S. unemployment rate jumps to 10.2% in October, 190,000 job losses

The U.S. unemployment rate climbed to 10.2 per cent in October, a 26-year high. The economy shed 190,000 jobs. It's Your Career - I'm Here To Support YOU! Constantine Isslamow Real Estate Broker/Mortgage Broker/Manager Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc. Independently Owned and Operated www.Twitter.com/ConstantineC21  CENTUM Core Financial Inc. Brokerage ...

Canadian Unemployement Rate October 2009

The unemployment rate represents the number of unemployed persons expressed as a percentage of the labour force. The unemployment rate for a particular age–sex group is the number unemployed in that group expressed as a percentage of the labour force for that group. Canada's unemployment rate rose by two-tenths of a percentage point to 8.6 per cent in October from 8.4 per cent the previous ...

Government of Canada Bonds Rates

  Bond Type September 30, 2009 October 14, 2009 October 28, 2009 1 year Treasury Bill 0.57% 0.68% 0.60% 3 year Benchmark Bond Yield 1.89% 2.15% 1.90% 5 year Benchmark Bond Yield 2.57% 2.86% 2.70% 10 year Benchmark Bond Yield 3.31% 3.52% 3.45% It's ...

Bank of Canada Interest Rate

September 10, 2009 0.25% October 20, 2009 0.25%* December 8, 2009 Next meeting date It's Your Career - I'm Here To Support YOU! Constantine Isslamow  Real Estate Broker/Mortgage Broker/Manager Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc. Independently Owned and Operated www.Twitter.com/ConstantineC21  ...