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Go Serve Big!!! Investing in the People of Our Great Community.Go Serve Big!!! Investing in the People of Our Great Community.Topics Inside: Getting the Price youWant and Need13 Extra Costs to be aware of when Buying A Home3 Ways Your Home WillAttract More Buyerswhen SellingHow your Referralsdirectly help localCancer Services!Randy Molnar 416-903-9480randy@randymolnar.comTHE GIVING IT BACK AND PAYING IT FORWARD REAL ESTATE NEWSLETTERWINTER 2024Randy MolnarSelling Your Home andGetting Top Dollar!Call me TODAY for afree consultation. 416-903-9480How to Get the Price You Want, and Need whenSelling Your HomeAllow me to extend to you a warm New Year's embrace, filled withoptimism for the opportunities that lie ahead, the strength to overcomeobstacles, and the bravery to face any challenges that may arise in thecoming year. Continue to next page...When you’ve decided to sell your home, setting the asking price is one ofthe most important decisions you’ll make. Pricing too high can be just ascostly as pricing too low. I’ll share four common strategies that will showhow your asking price will affect your sell price. To access scan the QRcode below with your phone’s camera to learn how to get your free, noobligation report. Go Serve Big!!! Investing in the People of Our Great Community.Go Serve Big!!! Investing in the People of Our Great Community.Topics Inside: Getting the Price youWant and Need13 Extra Costs to be aware of when Buying A Home3 Ways Your Home WillAttract More Buyerswhen SellingHow your Referralsdirectly help localCancer Services!Randy Molnar 416-903-9480randy@randymolnar.comTHE GIVING IT BACK AND PAYING IT FORWARD REAL ESTATE NEWSLETTERWINTER 2024Randy MolnarSelling Your Home andGetting Top Dollar!Call me TODAY for afree consultation. 416-903-9480How to Get the Price You Want, and Needwhen Selling Your HomeAllow me to extend to you a warm New Year's embrace, filled withoptimism for the opportunities that lie ahead, the strength to overcomeobstacles, and the bravery to face any challenges that may arise in thecoming year. Continue to next page...

Randy Molnar 416-903-9480randy@randymolnar.comWhether you’re looking to buy your first home, or trading up to a larger one, there are many costs- on top of the purchase price- that you must figure into your calculation of affordability. Theseextra fees, such as taxes and other costs, could surprise you with an unwanted financialnightmare on closing day if you’re not informed and prepared. Some of these costs are one-time fixed payments, others are ongoing monthly or yearlycommitments. Not all costs will apply in every situation, however its better to know about themahead of time so you can budget properly. The last thing you want are unbudgeted financialobligations cropping up hours before you take possession.Read through to ensure you’re budgeting appropriately. Appraisal fee - Your lender may request one which can vary from $300 -$750.Property taxes - Depending on your down payment, your lender may decide to include thesetaxes in your mortgage payments. They may require proof that annual taxes have been paid aswell. Survey fee - If a resale purchase, your lender (or buyer) may ask for an updated property survey.This could cost between $700 -$1,000.Property insurance - Home insurance covers replacement value of your home (structure andcontents). Call your insurer before you purchase to make sure you’re covered and can addresshidden issues. Your lender will also need proof of insurance. Service charges - Any new utility requiring hookup may require a paid fee. Legal Fees - Even the simplest of home purchases should have a lawyer involved to review allpaperwork. Shop around, as rates vary greatly depending upon complexity and experience of thelawyer involved, budgeting roughly $1,000 - $1,500.Mortgage loan insurance fee - Depending upon the equity in your home, some mortgagesrequire loan insurance. It may cost you from 0.5% - 3.5% of the total mortgage amount. Usuallypayments are monthly in addition to mortgage and taxes. Mortgage brokers fee - A mortgage broker is entitled to charge you a fee in order to source alender and organize financing. However, it pays to shop around because many brokers willprovide their services free to you by having the lender absorb the costs. Moving costs - The cost for a professional move can vary from $100 - $200 per hour for a vanand movers, with peak season costing 10% - 15% more.Maintenance fees - Condominiums charge fees for common area maintenance such asgroundskeeping and hallway cleaning, varying with the building. Water quality and certification - If your home has a well, you should consider having yourwater checked by local experts. Fees may or may not be charged, to certify. Local improvements - If the town has, or will be making major improvements such as addition ofsewers or sidewalks, this could impact future property taxes. Land transfer tax - This is applied whenever property changes hands and the amount appliedcan vary greatly and can be substantial. Check this prior to purchasing. Go Serve Big!!! Investing in the People of Our Great Community.Continue to next page...13 Extra Costs to be Aware of BeforeBuying A HomeWe loveguaranteeingour services! Like our BuyerSatisfaction Guarantee:Love the home,or we’ll buy it back! Or our Seller Guarantee:Your Home Sold orWe’ll Buy It! And weguarantee that a portionof our income WILL go toa very worthy cause likeCancer AssistanceServices of Halton HillsNo empty promises,we deliver or pay! Randy Molnar 416-903-9480randy@randymolnar.comWhether you’re looking to buy your first home, or trading up to a larger one, there are many costs- on top of the purchase price- that you must figure into your calculation of affordability. Theseextra fees, such as taxes and other costs, could surprise you with an unwanted financialnightmare on closing day if you’re not informed and prepared. Some of these costs are one-time fixed payments, others are ongoing monthly or yearlycommitments. Not all costs will apply in every situation, however its better to know about themahead of time so you can budget properly. The last thing you want are unbudgeted financialobligations cropping up hours before you take possession.Read through to ensure you’re budgeting appropriately. Appraisal fee - Your lender may request one which can vary from $300 -$750.Property taxes - Depending on your down payment, your lender may decide to include thesetaxes in your mortgage payments. They may require proof that annual taxes have been paid aswell. Survey fee - If a resale purchase, your lender (or buyer) may ask for an updated property survey.This could cost between $700 -$1,000.Property insurance - Home insurance covers replacement value of your home (structure andcontents). Call your insurer before you purchase to make sure you’re covered and can addresshidden issues. Your lender will also need proof of insurance. Service charges - Any new utility requiring hookup may require a paid fee. Legal Fees - Even the simplest of home purchases should have a lawyer involved to review allpaperwork. Shop around, as rates vary greatly depending upon complexity and experience of thelawyer involved, budgeting roughly $1,000 - $1,500.Mortgage loan insurance fee - Depending upon the equity in your home, some mortgagesrequire loan insurance. It may cost you from 0.5% - 3.5% of the total mortgage amount. Usuallypayments are monthly in addition to mortgage and taxes. Mortgage brokers fee - A mortgage broker is entitled to charge you a fee in order to source alender and organize financing. However, it pays to shop around because many brokers willprovide their services free to you by having the lender absorb the costs. Moving costs - The cost for a professional move can vary from $100 - $200 per hour for a vanand movers, with peak season costing 10% - 15% more.Maintenance fees - Condominiums charge fees for common area maintenance such asgroundskeeping and hallway cleaning, varying with the building. Water quality and certification - If your home has a well, you should consider having yourwater checked by local experts. Fees may or may not be charged, to certify. Local improvements - If the town has, or will be making major improvements such as addition ofsewers or sidewalks, this could impact future property taxes. Land transfer tax - This is applied whenever property changes hands and the amount appliedcan vary greatly and can be substantial. Check this prior to purchasing. Go Serve Big!!! Investing in the People of Our Great Community.Continue to next page...13 Extra Costs to be Aware of BeforeBuying A HomeWe loveguaranteeingour services! Like our BuyerSatisfaction Guarantee:Love the home,or we’ll buy it back! Or our Seller Guarantee:Your Home Sold orWe’ll Buy It! And weguarantee that a portionof our income WILL go toa very worthy cause likeCancer AssistanceServices of Halton HillsNo empty promises,we deliver or pay!

Randy Molnar 416-903-9480randy@randymolnar.comGo Serve Big!!! Investing in the People of Our Great Community.Continue to next page...3 Ways To Attract More Buyers When Selling! Buyers are more likely to purchase your home when they are offered solutions that address their fears and concerns, in the buying process. 1) Getting Stuck with Two Homes - Buyers may hesitate to buy your homefor fear of not selling their current home. Sellers may be reluctant to acceptan offer if it’s conditional on the sale of a buyer’s home. It’s a “catch 22”situation for both buyer and seller. The solution is our Guaranteed Sale Program* that allows us to make an offeron their home, so they can make an offer on your home without a condition oftheir sale. It’s a “win-win” outcome for all parties. 2) Getting Stuck with a Lemon - There’s nothing more frustrating thanfinding a hidden maintenance expense after moving into a home. Theadditional cost may be out of reach for some buyers. Much like the automobile resale industry, the solution is our exclusiveCertified PreOwned Home Plan providing a pre-inspected, trusted, warrantedhome that takes the risk and worry away of a purchase.3) Affordability - With mortgage rate increases, many buyers can’t qualifyfor a mortgage on a more expensive family home. First time home buyerswith the income to carry a mortgage may not have enough down paymentto buy your home. The solution may be to partner with one of our Co-equity Ownership Partners who can help buyers to improve their downpayment and overallbudget, so they are now able to afford your home. *Buyer &Seller to agree on price, terms and conditionsThese are unique services exclusively offered by Your Home SoldGuaranteed Realty, Modern Brokerage. Contact us today to learn more. Our Featured (Favoured) VendorWho can you trust to be proficient and professional in a home renovation? Give Quincy acall to discuss your interior and exterior renovation plans! (He’s a professional) Phone: 289-795-4020Website: Upgradeyourhome.ca facebook.com/upgradeyourhomeinc Randy Molnar 416-903-9480randy@randymolnar.comGo Serve Big!!! Investing in the People of Our Great Community.Continue to next page...3 Ways To Attract More Buyers When Selling! Buyers are more likely to purchase your home when they are offered solutions that address their fears and concerns, in the buying process. 1) Getting Stuck with Two Homes - Buyers may hesitate to buy your homefor fear of not selling their current home. Sellers may be reluctant to acceptan offer if it’s conditional on the sale of a buyer’s home. It’s a “catch 22”situation for both buyer and seller. The solution is our Guaranteed Sale Program* that allows us to make an offeron their home, so they can make an offer on your home without a condition oftheir sale. It’s a “win-win” outcome for all parties. 2) Getting Stuck with a Lemon - There’s nothing more frustrating thanfinding a hidden maintenance expense after moving into a home. Theadditional cost may be out of reach for some buyers. Much like the automobile resale industry, the solution is our exclusiveCertified PreOwned Home Plan providing a pre-inspected, trusted, warrantedhome that takes the risk and worry away of a purchase.3) Affordability - With mortgage rate increases, many buyers can’t qualifyfor a mortgage on a more expensive family home. First time home buyerswith the income to carry a mortgage may not have enough down paymentto buy your home. The solution may be to partner with one of our Co-equity Ownership Partners who can help buyers to improve their downpayment and overallbudget, so they are now able to afford your home. *Buyer &Seller to agree on price, terms and conditionsThese are unique services exclusively offered by Your Home SoldGuaranteed Realty, Modern Brokerage. Contact us today to learn more. Our Featured (Favoured) VendorWho can you trust to be proficient and professional in a home renovation? Give Quincy acall to discuss your interior and exterior renovation plans! (He’s a professional) Phone: 289-795-4020Website: Upgradeyourhome.ca facebook.com/upgradeyourhomeinc

Go Serve Big!!! Investing in the People of Our Great Community.Your Referrals Provide Direct Donations to CAShh and Make a Difference! MAKING A DIFFERENCE Our goal is to raise $5,000 annually in funds for CAShh!We do this by donating proceeds from home sales inHalton along with other fundraising eventparticipation. When you refer someone who is buyingor selling a home to us, everyone wins: those you referwill benefit from award-winning real estate service,and CAShh will receive a donation to continueproviding much needed help for local cancer patients. So when you hear me say “YOURREFERRALS HELP THE COMMUNITY…”they really do! Established in 2000 in response to theclosure of the Canadian Cancer Society Officehere in Georgetown. CAShh quickly grew toover 250 volunteers and a small staff teamand as a charitable organization, relies solelyon the generous support of donors andvolunteers in the community at large. Theyprovide a range of services such as;Transportation, Equipment & Supplies,Palliative & Home Care Support, Health &Wellness to regain client health. Why we support CAShh? They helped ourfamily when my wife went through her breast cancer. She now works at CAShhcoordinating volunteers for cancer patients. To see her story scan below with your cameras phone below. Go Serve Big!!! Investing in the People of Our Great Community.Your Referrals Provide Direct Donations to CAShh and Make a Difference! MAKING A DIFFERENCE Our goal is to raise $5,000 annually in funds for CAShh!We do this by donating proceeds from home sales inHalton along with other fundraising eventparticipation. When you refer someone who is buyingor selling a home to us, everyone wins: those you referwill benefit from award-winning real estate service,and CAShh will receive a donation to continueproviding much needed help for local cancer patients. So when you hear me say “YOURREFERRALS HELP THE COMMUNITY…”they really do! Established in 2000 in response to theclosure of the Canadian Cancer Society Officehere in Georgetown. CAShh quickly grew toover 250 volunteers and a small staff teamand as a charitable organization, relies solelyon the generous support of donors andvolunteers in the community at large. Theyprovide a range of services such as;Transportation, Equipment & Supplies,Palliative & Home Care Support, Health &Wellness to regain client health. Why we support CAShh? They helped ourfamily when my wife went through her breast cancer. She now works at CAShhcoordinating volunteers for cancer patients.Your Referrals Matter! Who do you know who is thinkingabout making a realestate move? Simply click on the imageabove to our website, or call meat 416-903-9480!