Wagner da Silva

Sales Representatives

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

Mobile:
905-449-8705
Office:
905-430-6655
Email Me
  Wagner  da Silva

Wagner da Silva

Sales Representatives

Mobile:
905-449-8705
Office:
905-430-6655
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:
905-430-6655
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:
905-430-6655
Email Me

Mortgage / Home Loans

In order to buy a house, you will probably have to get into your biggest financial commitment, a mortgage.  So when you are purchasing your first home, a larger house or an investment property unless you have lots of cash, you will need some type of finance and that is when we start talking about a mortgage.

In a mortgage you essentially you are borrowing money from a financial institution to buy your home and your house is going to hold as a collateral for that loan.   You will find a very good explanation about What is a Mortgage in this link.

In a previous posting "Dreaming of homeownership" I wrote about how can you prepare to build a monthly budget and improve your credit history.    Now is that time when are you qualifying for a mortgage.

Do you know how much you can afford to spend on your home?

How about doing some exercise: click on this link to use our

                   "Mortgage Affordability Calculator" 

It is fun and will help you a lot. It will give you lots of information about this process. Please confirm your specific situation with a mortgage lender. Off course you need to find out a Mortgage specialist at a Bank or a Mortgage Broker. If you have 20% or more for down payment that is the best scenario because you are not going to require CMHC  insurance* which is required when you have less that amount.  

The good news is that you can get a mortgage with as little as 5% down but you will have to pay this additional insurance. We also have a CMHC Premium Calculator to help you estimate the premium when you are buying a home.

                  "CMHC Premium Calculator"

Now let's simulate how much your monthly payment will be, go to:

                 "Mortgage Calculator"

You will be able to play with numbers, starting with the asking price, then different scenarios with downpayment options, amortization period**, select a rate you can opt for 5-year variable or 5-year fixed rate. Our website will provide actual information about some lenders or you can type your own rate provided by your lender.  

"Voilà" Now your have your Total Mortgage Payment, but you can also choose a different frequency of payment. We also help with additional information like Land Transfer Tax, just choose the location.  Required Cash Expenditures, other cash considerations, Monthly Expenses and some additional information about your mortgage remaining at end of the term.

You can even go beyond that point, simulate your Amortization Schedule to the end until your balance is paid out. There are some tips for you to pay your mortgage in less time but this is subject for another post.

*Mortgage default insurance, commonly referred to as CMHC insurance, protects the lender in the case the borrower defaults on the mortgage. Mortgage default insurance is required on all mortgages with down payments of less than 20%, which are known as high ratio mortgages. Mortgage default insurance is calculated as a percentage applied to your mortgage amount.

**The length of time it will take a homeowner to pay off his/her mortgage. In Canada, the maximum amortization period for insurable mortgages is 25 years. Longer amortization periods allow homeowners to make smaller monthly payments but equate to more interest paid over the life of the mortgage.

Comments

The Health system is created

The Health system is created in a proficient way of expanding the network in the multispecialty services. With the ever-growing population, the hospital has announced many ambitious plans that have ultimately lead to the excellence.

best IVF center in hisar

The goal of the society is to create professionally well skilled students To achieve the said goal, arrangements have been made with the pioneers and front runners both in India and abroad.

best school in dehradun

its quality

Apple products are revered for its quality, precision and great design. SRSG started its operations as Apple technology partners in the year 1997.

apple reseller in Kolkata

Broadcast consultants in india

apple authorized service center in delhi

system integration service providers

ipad service center in kolkata

Moonlight Films and Theatre

Moonlight Films and Theatre Studio operates under the Moonlight Films and Theatre Society , a non-profit association whose goals are to spread knowledge of and interest in theatrical and media arts through education.
Acting school in delhi

Our academic pursuits, along

Our academic pursuits, along with a range of extracurricular activities, help in honing a child's skills and ensuring that he/she grows to be a mature and responsible citizen.
top school in greater noida
best Secure school in greater noida

Engineering

CGC Jhanjeri is one of the best colleges in the North India and we are providing the best quality of education in various courses.

best engineering college in chandigarh

B tech in north india

Online cgc

mechanical engineering college in punjab

top MBA college in chandigarh

Have Questions?

reCAPTCHA

Call Wagner:905-449-8705

   

Call Rosa:905-447-6895

   

905-430-6655

   

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