Wagner da Silva

Sales Representatives

Coldwell Banker - R.M.R. Real Estate, Brokerage *

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me
  Wagner  da Silva

Wagner da Silva

Sales Representatives

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me

I am a very effective communicator. My clients can depend on me to ensure that all elements of the transaction are complete properly and professionally. I am disciplined and as such I approach all tasks with one objective in mind to get the job done well.

You can trust me to handle one of the biggest financial decision of your life. I Understand your needs to provide a service that will surpass your Real Estate needs.

Support of great and experience team. Top-notch marketing tools and exposure with most up-to-date photography, video and web communication 

I am positive that I can be an impactful Real Estate Agent for you. So connect with me today to learn more about me and how I can help you to: SELL / BUY / RENT your property.

 

Falo Português & Hablo con fluidez español

Education: Engineering, MBA
Area Covered: Clarington, Oshawa, Whitby, Brooklin, Ajax, Pickering, Toronto, Mississauga, Milton, Oakville, Vaughan, Richmond Hill
Languages Spoken: English, Portuguese, Spanish
Rosa  da Silva Rosa  da Silva

Rosa da Silva

Sales Representative

Mobile:
905-447-6895
Office:
1-888-472-2767
Email Me

Rosa really enjoys helping people to achieve their dreams of real estate ownership in Canada.

Always looking to do everything much more quickly and efficiently, she uses the technology and social media to extend the range of services provided to her clients and customers.

Rosa knows how some aspects of real estate transactions can be confusing; therefore she takes the time needed to explain the process to her clients in ways that are easy to understand.

Her clients can always rely on her. In order to keep everything on track and smooth during the process of buying or selling a property, she stays one step ahead on every detail to reach closing.

Education: Buyer's Specialist Senior Specialist E-pro Specialist
Specialty:
§  "Accredited Buyer Specialist”: I have successfully helped First-Time Home Buyers, especially Brazilian immigrants, to stop paying rent and buy a new home.
§  "E-PRO Accredited Specialist”: I'm fully prepared to use the internet in all its potential such as MLS, Websites, and Social Media.
Experience: 11 years
Awards: Coldwell Banker International Sterling Society
Area Covered: Toronto, GTA, Durham Region (Pickering, Ajax, Whitby, Oshawa, Clarington)
Languages Spoken: English, Portuguese
Wagner  da Silva

Wagner da Silva

Sales Representatives

Coldwell Banker - R.M.R. Real Estate, Brokerage *

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me

How to INCREASE Your Credit Score

Great credit is within reach if you follow these timeless tips.

  1. Always pay your bills on time.
    • ​​This simple act each month will build great financial habits that will pay off over the long run.
  2. Keep your balances low.
    • ​Credit issuers often report your balance to the credit agencies on a certain date, typically the last day of your billing cycle. Consider paying all or part of your bell before the closing date (call your credit issuers to find out the specific date) so the issuer will report a lower or zero balance. Also, ask your issuer if they accept multiple payments during the month to help you maintain a lowe balance and still earn rewards.
  3. Maintain a credit utilization ratio of less than 30 percent.
    • ​​simply put, your balances make up 30 percent of the total amount of credit available to you. If you'd like to increase your credit score faster, lower your credit utilization ratio to less than 10 percent.
  4. Tackle your debt.
    • ​​Start with the highest interest rate card or loan. Once that debt is gone, pay down the balance with the next highest rate. Continue the process until you've paid off all your existing credit card an loan debt.
  5. Avoid using your credit cards to pay for large purchases.
    • ​​While credit cards make it easy and convenient to buy what you want, the compound interest can add up quickly and work against you if you don't pay the balance off in a timely manner.

Good Financial Habits to Cultivate Now

  1.  Check your credit report
    • ​​You're entitled to a free credit report from both credit agencies - Equifax Canada & TransUnion Canada - if you request it by mail. Be sure to save both reports and review thoroughly. If you notice any inaccurate information, report it immediately to the credit agency.
  2. Set up automatic payments.
    • ​​If you have trouble remembering when bills are due, set up automatic payments. Or, if you prefer to pay all of your monthly bills at a specific time, set up payment reminders to help you remember due dates.
  3. If you’re young or have a short credit history, avoid opening several new accounts at once​​
    • Opening multiple accounts in a short amount of time may lower your score. Also, if you're rate shopping, lump it into a single inquiry. Several new inquiries into your credit can count against you.
  4. It’s never too late to repair your credit.

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Have Questions?

reCAPTCHA

Call Wagner:905-449-8705

   

Call Rosa:905-447-6895

   

1-888-472-2767

   

I am a very effective communicator. My clients can depend on me to ensure that all elements of the transaction are complete properly and professionally. I am disciplined and as such I approach all tasks with one objective in mind to get the job done well.

You can trust me to handle one of the biggest financial decision of your life. I Understand your needs to provide a service that will surpass your Real Estate needs.

Support of great and experience team. Top-notch marketing tools and exposure with most up-to-date photography, video and web communication 

I am positive that I can be an impactful Real Estate Agent for you. So connect with me today to learn more about me and how I can help you to: SELL / BUY / RENT your property.

 

Falo Português & Hablo con fluidez español



Education: Engineering, MBA

Area Covered: Clarington, Oshawa, Whitby, Brooklin, Ajax, Pickering, Toronto, Mississauga, Milton, Oakville, Vaughan, Richmond Hill

Languages Spoken: English, Portuguese, Spanish