Unlock the extraordinary in real estate with the right expert by your side
with the right expert by your side
Guiding Your Real Estate Journey
Embarking on the journey to homeownership is a significant financial decision—one that comes with a multitude of crucial considerations. At AG Thomas Realtor, we understand that buying a home is a pivotal moment in your life. With AG Thomas by your side, you’re not just navigating the process alone; you’re gaining a trusted partner. We go beyond the surface to address your unique needs, providing personalized guidance tailored to your dreams and aspirations.
Counting on the experience to help you in every step of the way, from the very first thoughts to the exhilarating realization that you’ve found the house of your dreams. We are here to make your road to homeownership memorable since it is more than simply a transaction.
Empowering Your Path With AG Thomas
I add value to your property search for potential buyers by pointing out factors you might not have thought of. I go above and beyond the essentials when considering schools, lifestyle features, and a property’s financial possibilities. With the use of sophisticated property search tools, you will locate the ideal home for your needs. Equipped with real estate knowledge, market insights, and skilful negotiation, I’m committed to getting the best offer for you while handling all the fine details with ease.
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Home Buyers Glossary
AMORTIZATION PERIOD
The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.
APPRASIAL
The process of determining the market value of a property.
CLOSED MORTGAGES
A mortgage that can not be prepaid or negotiated for a set period without penalties.
CLOSING DATE
The date on which the new owner takes possession of the property and the sale becomes final.
COLLATERAL
An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.
DEPOSIT
A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.
EQUITY
The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.
MORTGAGE
A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.
TERM
The period of time the financing agreement covers. The terms available are; 6 month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.
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