Mario Daniel Sconza Buying, Selling & Investing System
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"If you're like most renters, you feel trapped within the
walls of a house or apartment that doesn't feel like yours." It's a dream we all have - to own our own home and stop paying rent. But
if you're like most renters, you feel trapped within the walls of a house or
apartment that doesn't feel like yours. How could it when you're not even
permitted to bang in a nail or two without a hassle. You feel like you're
stuck in the renter's rut with no way of rising up out of it and owning your
own home.
Don't Feel Trapped Anymore
It doesn't matter how long you've been renting, or how insurmountable
your financial situation may seem. The truth is, there are some little known
facts that can help you get over the hump, and transfer your status from renter
to homeowner. With this information, you will begin to see how you really can:
save for a down payment
stop lining your landlord's pockets, and
stop wasting thousands of dollars on rent.
6 Little Known Facts That Can Help You Buy Your First Home
The problem that most renters face isn't your ability to meet a monthly
payment. Goodness knows that you must meet this monthly obligation every 30 days
already. The problem is accumulating enough capital to make a down payment on
something more permanent. But saving for this lump sum doesn't have to be as difficult as you might
think. Consider the following 6 important points:
1. You can buy a home with much less down than you think
There are some local or federal government programs (such as 1st time buyer
programs) to help people get into the housing market. You can qualify as a first
time buyer even if your spouse has owned a home before as long as your name was
not registered. Ensure your real estate agent is informed and knowledgeable in
this important area and can offer programs to help you with your options.
2. You may be able to get your lender to help you with your down payment and
closing costs
Even if you do not have enough cash for a down payment, if you are debt free,
and own an asset free and clear (such as a car for example), your lending
institution may be able to lend you the down payment for your home by securing
it against this asset.
3. You may be able to find a seller to help you buy and finance your home
Some sellers may be willing to hold a second mortgage for you as a seller
take-back. In this case, the seller becomes your lending institution. Instead
of paying this seller a lump sum full amount for his or her home, you would pay
monthly mortgage installments.
4. You may be able to create a cash down payment without actually going into
debt
By borrowing money for certain investments to a specified level, you may be
able to generate a significant tax refund for yourself that you can use as a
down payment. While the money borrowed for these investments is technically a
loan, the monthly amount paid can be small, and the money invested in both home
and investment will be yours in the end.
5. You can buy a home even if you have problems with your credit rating
If you can come up with more than the minimum down payment, or can secure the
loan with other equity, many lending institutions will consider you for a
mortgage. Alternatively, a seller take-back mortgage could also help you in this
situation.
6. You can, and should, get pre-approved for a home loan before you go
looking for a home
Pre-approval is easy, and can give you complete peace-of-mind when shopping
for your home. Mortgage experts can obtain written pre-approval for you at no
cost and no obligation, and it can all be done quite easily over-the-phone. More
than just a verbal approval from your lending institution, a written
pre-approval is as good as money in the bank. It entails a completed credit
application, and a certificate which guarantees you a mortgage to the specified
level when you find the home you're looking for. Consider dealing only with a
professional who specializes in mortgages. Enlisting their services can make the
difference between obtaining a mortgage, and being stuck in the renter's rut
forever. Typically there is no cost or obligation to enquire. There are many important issues you should be aware of that affect you as
a renter. Why on earth would you continue to lose thousands by throwing it away
on rent when with your agent you could take a few minutes to discuss your
specific needs so that you can stop renting and start owning. This conversation costs you nothing. And, of course, you shouldn't have
to feel obligated to buy a home at the time you review this. But by taking the
time to explore your options, and learn about the ways you can afford to buy a
home, think how prepared and relaxed you'll be when you are ready to make this
important step.
I'd like to start off by congratulating Mario for putting together a great team.
Positive: Professionalism, Quality, Responsiveness, Value
I'd like to start off by congratulating Mario for putting together a great team. We had been looking for about half a year, and never thought how much having a good real estate agent could benefit us during a purchase. we are a family of two working professionals and I work in the construction industry. During our search and monitoring the ever confusing housing market we were skeptical at first, whether or not to buy a property or keep renting, we were then introduced to Mario Daniel and his team and our first session was about deciding whether or not we should even make a purchase. After bringing all our concerns forward Mario patiently addressed them and took us through the process. We were sold from that point on. Mario and Domenic supported us patiently and positively during our search for property (I should say that we had many precise criteria on what we want). They helped us narrow down our criteria and get a good sense of our options that match our money. For any buyer I would suggest them to make their expectations clear so that the agents could help them better. Domenic had a lot of role in helping us through this process. However don't expect to get a home for half the price because if such thing was true everybody else would also be looking for that. Also try to help your agent to help you. Try to proactively search for your desired home and communicate with your agent. The main part about our experience with Domenic and Mario was that we had a pleasant journey towards our purchase and that goes a long way. Home purchase in itself could be a tough task, and if you don't have good advice on your side, that would make it twice as hard. Domenic diligently negotiated on our behalf and I believe the combination of professionalism and goodwill helped us become home owners. We managed to purchase a place that we could truly call our home at an optimum price, thanks to Domenic's negotiation skills, and we definitely owe this to the efforts of Mario Daniel and Domenic and their team. They helped us throughout the process of closing and securing a mortgage as well and this was a great relief on our end, since we are very busy with day to day work. I think overall Mario, Domenic and the rest of their team have your best interest at heart and this is very comforting. Also I believe Mario Daniel Sconza and his team take pride in their work and are great professionals that you can trust without worry. I have developed a lot of respect for this team and I would suggest anyone who asks me, to work with this team without a doubt and I plan to do the same in the future. We wish them prosperity and will miss them greatly now that this chapter has come to an end.
Pouya Sharif
This is the 3rd time we've used Domenic from Mario Daniel Sconza Real Estate team to buy and sell our home.
This is the 3rd time we've used Domenic from Mario Daniel Sconza Real Estate team to buy and sell our home. Each time, we have been more impressed than the last with the turn-key approach and professionalism that surpasses the industry standard. The team's number one goal is to make you feel at ease through the process and you do. Domenic as an agent is very knowledgeable on all aspects of buying/selling homes, and his expertise is critical in 11th hour crunches and DOES NOT DISSAPOINT. (He will fight for you to get your dream home until the wee-hours of the morning or ensure you get the absolute top offer - because thats what he does best!) -Heather Scriver
I'm confident you will be impressed with how he stands out, and can help you do the same in your real estate goals!
Positive: Professionalism, Quality, Responsiveness, Value It has been my pleasure to have known Mario personally for several years - his commitment to delivering superior results to his clients is more than the vast majority of agents in the GTA. It matters to him what happens in the purchase and sale of your home! He has worked hard to find the best proven practices throughout North America and apply those for the benefit of those who work with him. He believes in them so much he is willing to guarantee their success! If you are considering a sale or purchase (or even one of each), you owe it to yourself to review Mario and how that compares to what other agents can deliver to you. I'm confident you will be impressed with how he stands out, and can help you do the same in your real estate goals!
