The quick facts about what it is, what it does, and how much it costs.Ema gives her opinion on how you can save money by not paying CHMC insurance.

Real Estate – Homes & Spaces by Ema Dantas

17 - CHMC - Canadian Housing and Mortgage Corporation

When thinking about a vacation property, it is important to be armed with the right information. Ema gives you some examples to think about.

24 - Vacation Properties - What To Consider

When you purchase a home, it’s often recommended that you have a home inspection done.In fact, a typical Agreement to Purchase Form will include a standard preprinted clause with respect to home inspections. This is one of the most common conditions in an offer to purchase a property.  Some agents allow their clients to forgo this step. In a competitive market, this is a condition and one that can put the buyer at a more unfavourable position when presenting an offer. So skipping the home inspection and not placing this kind of condition in an offer can be tempting. Before you make the decision, consider the benefits of a home inspection. Because the consequences of buying a home, which one does not know what literally is behind the walls, is scary and a rabbit hole. 

23 - THE IMPORTANCE OF A HOME INSPECTION BEFORE BUYING

Ema is an expert on assignment deals.In this podcast she shares the basics on assignments.With an assignment, the Seller is actually selling their interest in a property (or shall we say, contract with the builder). They aren’t selling the actual condo (as they don’t own it yet); they are selling their promise to purchase a property.When you purchase an assignment, you are essentially stepping into the shoes of the original purchaser. You can’t renegotiate the price or terms of the contract, you are simply taking over the contract as it already exists. Listen and share to find out more.

22 - Assignments an Overview. Advantages and Risks for Both Buyers and Sellers

Someone can steal your home. That is right. It&apos;s called Tittle Fraud and happens in connection with identity theft.In this episode Ema talks about it happens and gives advise on ways to prevent identity theft.

22- Tittle Fraud and Identity Theft

In today&apos;s episode Ema talks to her guest Saddy Ibrahim, a financial planner and member of the Bank On Yourself Organization.  Saddy helps real estate investors, business owners, and full time employees grow safe and predictable wealth regardless of market conditions. Imagine a savings account where you can save and then borrow from it like in a loan.Well have a listen.... it&apos;s possible.

21- A Look at an Alternative Way to Save, Invest, Finance Your Home Even - Bank On Yourself Organization

During these crazy times, your credit can be affected. Ema talks about how Covid-19 can affect your credit, what you can do to protect yourself, and where to go for more information.

20 - Covid19 - How it could affect your credit

Credit Scores are important, especially when we are looking for a mortgage. Today Ema talks about 10 things that don&apos;t affect our credit scores, things that can, but how to avoid them.

19 - 10 Things That do Not Affect Your Credit Scores

Today Ema talks about the Ontario Healthy Homes Renovation Tax Credit.The Healthy Homes Renovation Tax Credit is a permanent personal income tax refund for seniors and the family members who live with them.Those who qualify can claim up to $10,000 worth of home modifications ontheir tax returns and receive back 15 per cent of eligible expenses.

18 - Ontario Healthy Homes Renovation Tax Credit

With assignment sales are not your regular cup of tea. There are essentially 2 closings: the closing between the Assignor and the Assignee, and the closing between the Assignee and the Builder. With the first closing (the assignment closing) the original purchaser receives their deposit + any profit (or their deposit less any loss) from the Assignee. On the second closing (between the Builder and the Assignee), the Assignee pays the remaining amount to the Builder (usually with the help of a mortgage), and pays land transfer taxes. Title of the property transfers from the Builder to the Assignee at this point.Assignment sales require the services of an experienced real estate agent and a good lawyer.

16 - Assignment Sales - Pros and Cons - and how do they work exactly

Ema explains what is Tittle Insurance is.Why it's needed and how it works.  Tittle Insurance is also part of your closing costs when you are purchasing a home.When you are buying a new home there are many details to consider. Tittle Insurance is something that usually no one things about. 

15 -Tittle Insurance - What Is It and Why You Need It

Land Transfer Taxes are part of the costs when one purchases a home in almost every province in Canada. And in Ontario, the City of Toronto has their own land transfer tax.

14- Land Transfer Tax - Budget for them on closing

Double representation or multiple representation in a real estate transaction in layman’s terms means representing but the buyer and seller at the same time, by the same real-estate agent.Most consumers are unaware that all Listing and Buyer Representation Agreements are with the Brokerage, not the individual Realtors (sales representatives/brokers) who work for the Brokerage. Double ending also known as multiple representation also occurs when the Brokerage has two or more clients on the same transaction – meaning both the buyers agent and the sellers agent work for the same brokerage, or in other words, the same real-estate office.And if this happens, that is ok, as each of the buyer and seller still have their own agent to represent them.Where there is a difficult line and one that may leave one of the parties, but in most cases, both parties, buyers and sellers feeling under served, not represented properly, unhappy, and in worst case scenarios, leaving the agent and brokerage open for legal liability.

13 - Multiple Representation in a Real Estate deal

All new home buyers should familiarize themselves with the Tarion warranty.  Tarion formerly known as the Ontario New Home Warranty Program, was created by the Government of Ontario in 1976 to administer the Ontario New Home Warranties Plan Act. Its primary purpose is to protect consumers of new homes by ensuring that builders abide the provincial legislationThe level and amounts of compensation like in any insurance policy, vary and have stipulations. Today Ema provides a brief overview of the plan itself.

12 - Tarion Warranty - 101

Why is this important. Covid-19 pandemic has made this essential. But aside from the pandemic and moving forward, it is both a  great way for sellers to limit all those showings to potential buyers that house shop for long periods of time, its a great open to have open houses without all those out on a stroll that have no intention of buying a home, just drop in to see the home and for serious buyers, or house shopping affectionatos to view as many house as the want, when they want, from where they want!If you are selling your home, talk to your real-estate agent about creating a virtual tour of your home. And when i mean create a virtual tour I don,t mean a collage of pictures, or small videos, edited together to music. I meant an actually virtual tour of the home today! What it looks like today! The tour should include a walk thru of the whole house, with the agents comments, about each room, features, upgrades, showing characteristics, etc. The tour should also include live views from views, the back yard and of course a short tour of the street, and possibly the neighborhood.

11 - Virtual Tours and Showings - a brief overview

Learn valuable tips and tricks when it comes to buying or selling your home or just investing in real estate.