Dedicated to providing you exceptional service
Real estate is my passion & people should be treated 'amazingly'
"To make a long story short, my own parents had a horrible experience with an agent when I was just 17. They were given bad advice, and put on a financially stressful path when they needed a professional to handle them with care and act like their life savings meant something! THAT IS WHY I DO THIS, first and foremost"
I was 24 when I embarked on this career.
Buying or selling a home can be a complex process. Having a real estate agent is paramount to helping work through the process. As a top real estate agent, I take the time to listen to the needs and desires of each person looking to purchase or sell a home. For those who are buying, I strive to make sure they get a home that meets their needs and matches their lifestyle. For those selling a home, I feel it is my obligation to help navigate the complicated paperwork and process so that the transition goes as smoothly as possible. In a nutshell, I am here to help.
As a real estate agent, it’s important to keep up with the current market trends. I bring real estate experience and expertise to the table with every client. I put personalized research behind every deal to ensure each of the clients I work with get a fair deal for everyone. As an experienced real estate professional, I am committed to offering you the insight and guidance you need when selling or buying a home. I am committed to ensuring you have a stress-free, hassle-free home buying or selling experience.
102.87% is J.C's Average SOLD price from 1989 to 2023 as a listing agent
94.83% is J.C's Average SOLD price from 1989 to 2023 as the buyers agent.
Click on the "Testimonals" link in the menu and to the left to see what REAL people have to say.
I pride myself in referrals, and taking care of you is where it starts!
Home Ownership Incentive Programs
New for 2023 - FHSA (First Home Savings Account)
Save up to $8000 per year up to $40,000 TAX FREE towards your first home. Any interest will not be taxed, the amount saved can be used like an RRSP to offset your income in the year you save it. BEST OF ALL, it does not have to be repayed to the account after using it to buy your first home.
Ontario Land Transfer Tax REBATE for First-time Homebuyers
When you buy land or an interest in land in Ontario, you pay land transfer tax. First-time homebuyers of an eligible home may be eligible for a refund of all or part of the tax.
Beginning January 1, 2017, no land transfer tax would be payable by qualifying first‑time purchasers on the first $368,000 of the value of the consideration for eligible homes. First‑time purchasers of homes greater than $368,000 would receive a maximum refund of $4,000. Our real estate lawyers will help faciltate the rebate.
Canada First-Time Home Buyers' (FTHB) Tax Credit
The costs associated with purchasing a home, such as legal fees, disbursements and land transfer taxes, can be a particular burden for first-time homebuyers who must pay these costs, as well as save money for a down payment. To assist first-time homebuyers with the costs associated with the purchase of a home, the Government of Canada introduced a FTHB Tax Credit in 2009 — a $5,000 non-refundable income tax credit amount on a qualifying home acquired after January 27, 2009. For an eligible individual, the credit will provide up to $750 in federal tax relief starting in 2009.
First Time Home Buyer "FTHB" PROGRAM FALL 2019
With this incentive, Government of Canada will buy your first home with you and provides:
The incentive is available to first-time homebuyers with qualified annual incomes of $120,000 or less. A participant’s insured mortgage and the incentive amount cannot be greater than four times the participant’s qualified annual income. The Government of Canada will be co-owners of the property to the percentage of the incentive.
Here’s an example...... Anita wants to buy a new home for $400,000. Under the First-Time Home Buyer Incentive, Anita can apply to receive $40,000 in a shared equity mortgage (10% of the cost of a new home) from the Government of Canada. This lowers the amount she needs to borrow and reduces her monthly expenses. As a result, Anita’s mortgage is $228 less a month or $2,736 a year.
Canada RRSP Expansion of the Home Buyers' Plan (HBP)
To provide first-time homebuyers with greater access to their RRSP savings to purchase or build a home, the Government of Canada has increased the Home Buyers’ Plan withdrawal limit to $35,000 or $70,000 per couple (fall 2019). It is important to remember that if you are topping up your contributions this year to plan for this program, the money must be in your RRSP account AT LEAST 90 days before it can be withdrawn. The money is repayable over 15 years back to your own RRSP.
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