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

Title Insurance Details

Title Insurance Details

What is Title Insurance?

Title insurance is protection against loss arising from problems connected to the title of your property. Before you purchased your home, it may have gone through several ownership changes, and the land on which it stands went through many more. There may be a weak link at any point in that chain that could emerge to cause trouble.  For example, someone along the way may have forged a signature in transferring title. Or there may be unpaid real estate taxes or other liens. Title insurance covers the insured party for any claims and legal fees that arise out of such problems.

Prior to closing, public records are "searched" to determine the previous ownership of the property, as well as prior dealings related to it. At closing the buyer expects property that is free and clear of such claims, so typically they must be cleared up before closing.

Occasionally problems regarding title are not discovered before closing, or are not remedied before closing. Such defects can make the property less marketable when the buyer subsequently sells and, depending on the nature of the problem, can also cost money to remedy. For example, the survey might have failed to show that an addition to the property was built without permission. The buyer of the property could be out-of-pocket if he is later required to remove the addition.

Am I required to purchase Title Insurance?

Title Insurance is required if you need a mortgage, because all mortgage lenders require such protection for an amount equal to the loan. It lasts until the loan is repaid. As with mortgage insurance, it protects the lender but you pay the premium, which is a single-payment made upfront.

Who is protected with Title Insurance?

Title insurance policies can be issued in favour of a purchaser (on new/resale homes, condos and vacation properties), a lender, or both the purchaser and lender. Some of the risks that are frequently covered under a title insurance policy include: survey irregularities; forced removal of existing structures; claims due to fraud, forgery or duress; unregistered easements and rights of-way; lack of pedestrian or vehicular access to the property; work orders; zoning and set back non-compliance or deficiencies; etc.
For a risk to be covered, usually it has to have existed as of the date of the policy. As with any type of insurance policy, certain types of risks might not be covered, for example, native land claims and environmental hazards are normally excluded. Be sure to discuss with your lawyer what risks are covered and what are excluded.

When does the insurance coverage end?

When the title insurance is covering the purchaser, it remains in effect as long as the insured purchaser has title to the land. Some policies also protect those who received title as a result of the purchaser's death, or certain family members (e.g., a spouse or children) to whom the property may have been transferred for a nominal consideration.

When the title insurance is covering the lender, the policy remains in effect as long as the mortgage remains on title. A lender covered under a title insurance policy is insured in the event the lender realizes on its security and suffers actual loss or damage with respect to a risk covered under the policy. Lenders are usually covered up to the principal amount of the mortgage.

The premium for title insurance is paid once (at the time of purchase). Generally speaking, in Canada the purchaser of the property pays for the title insurance, though there can be situations where the seller pays for it. Some policies automatically cover both the purchaser and lender; others will cover both for a small additional fee

Protection and Peace of Mind

Title insurance can help ensure that a closing is not delayed due to defects in title. And, if an issue relating to title arises with respect to a risk covered under the policy, the title insurance covers the legal fees and expenses associated with defending the insured's title and pays in the event of loss.

Have Questions?

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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