I'm continuously breaking sales records for my clients, in all cities. Since 2012, I have worked with incredible clients and sold some of the most beautiful properties within the Greater Toronto Area. My clients trust me with their sales and purchases, mainly because I care about their well-being when in business, not my own.
My mission is to obtain the best deal for my clients, and I do so by keeping ahead with real estate knowledge and by being creative versus a traditional realtor. I'm breaking records all the time in sales and getting my buyer clients fantastic deals. I'm not afraid to spend my own money for my buyers and sellers to get them these deals.
My mission is to obtain the best deal for my clients, and I do so by keeping ahead with real estate knowledge and by being creative versus a traditional realtor. I'm breaking records all the time in sales and getting my buyer clients fantastic deals. I'm not afraid to spend my own money for my buyers and sellers to get them these deals.
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Your credit score is now the most important factor in determining how much house you can buy, so if you are in the market for a new home, you need to understand how it affects you. In order to make it easy for mortgage companies to determine the risk of lending to you, they are using a system called credit scoring (also called "FICO" scores).
There are a few easy ways to make extra principle payments that can save you a ton of money in interest expenses and get you mortgage-free sooner than you thought possible. The results of this simple strategy can save you a fortune and drastically reduce the length of your mortgage.
As an example, if your monthly mortgage payments were $734 dollars a month, but you rounded it up to $800 per month, you would save more than $48,000 in interest payments, and reduce the length of your mortgage by 7.5 years!This is an easy way to save money and shorten your mortgage. For example, if you have a $100,000 mortgage, and you have a $1000 tax refund this year, you take apply that refund to your mortgage.
As an example, if your monthly mortgage payments were $734 dollars a month, but you rounded it up to $800 per month, you would save more than $48,000 in interest payments, and reduce the length of your mortgage by 7.5 years!This is an easy way to save money and shorten your mortgage. For example, if you have a $100,000 mortgage, and you have a $1000 tax refund this year, you take apply that refund to your mortgage.
How to Avoid a Money Pit: Be on the Lookout for these 6 Warning Signs That Could Mean Expensive Repairs. Many people think that serious defects in a home are easy to spot, but the truth is, often the most serious and costly problems can only be detected upon very close inspection. When you are considering buying a home, look for the following six telltale signs of serious problems.
The best way to avoid this is to get pre-approved for a mortgage so you know exactly how much you can afford. Usually pre-approvals are free. You should always have a professional inspector look at the home before buying it, otherwise you could be looking at huge repair costs later on. Read this guide to avoiding a money pit.
My employer was relocating me to the GTA from Alberta. I had no real estate contacts established and began looking for an agent who would give me 100% of their attention as I was not in a position to take my time looking for a new home. I began conversing with Calvin casually over email to get a feel for him.
Reviews (10)
Margaret
Nov 12, 2021
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House shopping during the height of the pandemic could've been extremely stressful and overwhelming but Calvin and Joanna made all the difference for us. Calvin challenged us to look at homes and areas we might not have considered and also was always there for us, even at odd times of the day. Calvin also helped us lease a condo property and beautifully marketed it. I know I am not an easy client to satisfy (high expectations, meticulous detail, never ending questions) but Calvin and Joanna stuck with us and helped us secure one of the most important decisions of of lives. Thank you for your support
Charise Pojskic
Sep 28, 2021
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Without a doubt, we would refer Calvin Onilla both as a realtor and as a friend. What we asked for, he delivered and then some. Calvin was always accessible, approachable, thoughtful and perceptive. He addressed all of our questions and concerns with professionalism, clear communication and diligence. His invaluable input allowed us to make the most informed decisions throughout the whole process without coerce. While paying attention to our very particular needs and wants, he remained patient and industrious. Aside from being a conscientious realtor, he is an all around stand-up guy. I wouldn
Jaymie B.
Sep 26, 2021
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Calvin is amazing at his job in every aspect! Having to sell and relocate due to my family's current situation made the thought of moving quite challenging, but Calvin made the process easy, swift, and smooth. His approachable demeanor along with his compassionate, honest, experienced and professional character allowed us as sellers to feel confident in the process. With Calvin and his team you're in great hands. Unquestionably, we wouldn't want anyone else to be our realtor!
Steven Lau
Sep 25, 2021
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Lester Llamzon
Sep 15, 2021
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Calvin and his team is the definition of professionalism, honesty, understanding, expertise and fairness in Real Estate. We were worried that during the pandemic, we wouldn't be able to meet our expectations. So we sought out help from Calvin and he proved us wrong. There was IMMEDIATE action with INSTANT results. For some, Real Estate may be overwhelming and scary, but Calvin and his team made every transaction effortless - from signing papers, to collecting funds and setting up meetings. Their overall communication is top of the line and cannot be ignored. They will work with your every needs
Anastasia Lukyanova
Aug 31, 2021
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We have been knowing Calvin since many years ago through our family member and I was so confident that he is going to be a realtor to sell our condo . We worked with Calvin in June 2021 to sell our condo in Scarborough, and we couldn’t have been more pleased , so fortunate to have Calvin as our realtor to sell our condo. He was so patient with all our selling process .
We received offers the first week the condo went on sale but the price was not right for us , he always told us let’s wait we will get the price we want .He also helped us to stage our condo ,which helped make it more appealing
We received offers the first week the condo went on sale but the price was not right for us , he always told us let’s wait we will get the price we want .He also helped us to stage our condo ,which helped make it more appealing
Angela Ippolito
Jul 19, 2021
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Calvin and Joanna,
Thank you for your dedication and your professionalism on the sale of our home. Calvin our home was beautiful already and you just took it to the next level with your vision and décor. You’re attention to detail was above and beyond. Your
booklets /Drone footage and pics of our Home really put that final touch on the marketing.
You have delivered TOP Dollar for our home that we have put our all into. THANK YOU
We will gladly refer you to anyone whom is looking to buy/sell a home. Great Service like yours is hard to find.
We are excited for our New Chapter
Thank you for your dedication and your professionalism on the sale of our home. Calvin our home was beautiful already and you just took it to the next level with your vision and décor. You’re attention to detail was above and beyond. Your
booklets /Drone footage and pics of our Home really put that final touch on the marketing.
You have delivered TOP Dollar for our home that we have put our all into. THANK YOU
We will gladly refer you to anyone whom is looking to buy/sell a home. Great Service like yours is hard to find.
We are excited for our New Chapter
Sarah Deveyra
Jun 08, 2021
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We were referred to Calvin by one of my best friends who recently was his client. She had nothing but great things to say about him so of course I wanted to connect with him. I followed him on social media, introduced myself and gave him a bit of my background. He was really nice and told me whenever I was ready to start looking to just reach out. No pressure, which was great! He is genuinely a nice guy. No question was too small or too stupid. Super professional and knowledgeable. For anybody looking, especially for a first time home buyer I would 100% recommend Calvin and his team. We do not
Amanda Craig
May 15, 2021
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We had an amazing experience working with Calvin as our realtor.
From our first meeting he was focused on finding out about us, what we were looking for, and getting us into the best home to suit our needs. Calvin has a great knowledge of the different areas of the city and was able to show us many different options and neighbourhoods.
This was our first time working with a realtor so we really appreciated the time Calvin took to explain the process, answer any questions we had, and keeping us informed each step of the way. Calvin was always super responsive and easy to keep in touch with, along
From our first meeting he was focused on finding out about us, what we were looking for, and getting us into the best home to suit our needs. Calvin has a great knowledge of the different areas of the city and was able to show us many different options and neighbourhoods.
This was our first time working with a realtor so we really appreciated the time Calvin took to explain the process, answer any questions we had, and keeping us informed each step of the way. Calvin was always super responsive and easy to keep in touch with, along
Vanora H.
May 12, 2021
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Calvin is an excellent real estate agent, and I will recommend him highly to everyone. He is personable, polite, and professional.
I went through some challenging buying scenarios in this competitive market, but through the entire process, Calvin was always very positive and supportive.
He ensures you have the knowledge needed to make an informed decision. And while he will offer his professional opinion, he will never push you to go one way or another.
Joanna is simply wonderful - an invaluable part of Calvin’s team who kept track of my many, MANY house requests and organized visits. They
I went through some challenging buying scenarios in this competitive market, but through the entire process, Calvin was always very positive and supportive.
He ensures you have the knowledge needed to make an informed decision. And while he will offer his professional opinion, he will never push you to go one way or another.
Joanna is simply wonderful - an invaluable part of Calvin’s team who kept track of my many, MANY house requests and organized visits. They
