Buying a home is the only investment you make that also determines where you live and where your children go to school. Loretta and her team know that finding the right home is important, and they can help you make that purchase. Loretta and her team know that your home is your biggest investment. They are dedicated to ensuring that you get the return on investment that you deserve.
Loretta has been a market leader for over 20 years, selling many of the most exclusive and expensive properties west of Toronto. Loretta and her team study and monitor market trends and help vendors determine the best time to sell.
Loretta has been a market leader for over 20 years, selling many of the most exclusive and expensive properties west of Toronto. Loretta and her team study and monitor market trends and help vendors determine the best time to sell.
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Loretta Phinney Team was voted Best Realtor in Mississauga by the Mississauga News Readers' Choice Awards, for 5 consecutive years and THE BROKERAGE WAS VOTED BEST BROKERAGE BY THE READERS CHOICE AWARDS - TORONTO STAR in 2019. The Loretta Phinney Team also became a member of the Leaders in Luxury Advisory Board for 2015 for the Institute for Luxury Home Marketing.
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.
Reviews (9)
Dayan Young
Jan 10, 2022
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Michael Phinney is the best. Not only him but the rest of his team are great! They are knowledgeable and every transaction is personal to them. Selling/buying a property is one of the most important things in life so you want professional advise and experienced realtor to ensure the transaction is going smoothly. After my experience with them, I know there’s a reason why they are one of the top REALTORS in the area. If you're looking for a professional agent to represent you in your next home sale or purchase look no further than Loretta Phinney Team.
Diamond Spa
Dec 30, 2021
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We highly recommend our agent Lillian Lem as a realtor. We are so grateful to our agent Lillian for doing an excellent job in renting our commercial property at asking price. She recieved an inquiry at 10 pm. She worked diligently and in the morning she had the place leased. She is not only professional but she is extremely hard-working and truly cares about her clients. Thank you Lillian 😊 💓
Lucia Resendes
Dec 19, 2021
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Sylvia,
I cannot say enough. She truly listened to me and represented my family home so beautifully staged and perfectly detailed. She took time to explain and walk me through every step along this journey. She was always prompt and returned calls and updated me with every detail. She got my family home in a magazine and has tugged my heart many times with her thoughtfulness and efforts. I have known Sylvia for a long time and was blessed to have her be the one to help me sell my family home.
With all my heart.
Thank you!
Your friend always,
Lucia Resendes
I cannot say enough. She truly listened to me and represented my family home so beautifully staged and perfectly detailed. She took time to explain and walk me through every step along this journey. She was always prompt and returned calls and updated me with every detail. She got my family home in a magazine and has tugged my heart many times with her thoughtfulness and efforts. I have known Sylvia for a long time and was blessed to have her be the one to help me sell my family home.
With all my heart.
Thank you!
Your friend always,
Lucia Resendes
Nhung To
Nov 18, 2021
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Our Realtor Lillian Lem was absolutely AMAZING!!! She was so helpful and patience with us. Always so quick with responding to any and every questions I had. Lillian took initiative to search and find us a house with ALL the criteria we wanted in our perfect house. I am so happy and appreciative for what shes done for us. One of the best experience I've had with someone! Can't wait to start my new year in my new house ♡ Thank you Lillian :)
-Nhung T & Aaron M
-Nhung T & Aaron M
Chris Brewer
Oct 03, 2021
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Lorreta Phinney and team were an asset to me when selling my home. Lisa Oliverio was an excellent agent, she was thorough and professional and made the process easy for me as a first time home seller.
I didn't feel pressured or rushed. I felt like the team really listened to what my questions were and were readily available to keep me apprised of any and all communication from the buyers.
The whole process was seamless. My house was sold for a great price in a very short period of time. I would recommend Lisa Oliverio and the Loretta Phinney team to any one looking to sell or buy a home.
I didn't feel pressured or rushed. I felt like the team really listened to what my questions were and were readily available to keep me apprised of any and all communication from the buyers.
The whole process was seamless. My house was sold for a great price in a very short period of time. I would recommend Lisa Oliverio and the Loretta Phinney team to any one looking to sell or buy a home.
John Thomson
Sep 01, 2021
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Rachel Malevich
Aug 14, 2021
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Lisa was awesome to work with - she helped me find the perfect place. Will definitely be reaching out the her in the future if needed!
Update in 2021: purchased a home with Lisa as my agent. She came to multiple viewings with me in different cities and when I finally put an offer in, she gave me a lot to think about when framing it. She also gave me the contact for a great mortgage agent!
Update in 2021: purchased a home with Lisa as my agent. She came to multiple viewings with me in different cities and when I finally put an offer in, she gave me a lot to think about when framing it. She also gave me the contact for a great mortgage agent!
Debbie Tang
Jul 27, 2021
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We have known Lillian for the past 9 years since we decided to venture into investment properties.
Lillian is a very knowledgeable experienced Realtor, she generally has the answers to our issues and if in doubt, is always willing to step back to obtain the information.
She is very professional, punctual, hard working and efficient at what she does.
We enjoy working with her. She have been instrumental in us purchasing several rental properties and also in obtaining quality tenants for us. We would highly recommend Lillian to anyone.
Thank you Lillian for all you have done and continue to do
Lillian is a very knowledgeable experienced Realtor, she generally has the answers to our issues and if in doubt, is always willing to step back to obtain the information.
She is very professional, punctual, hard working and efficient at what she does.
We enjoy working with her. She have been instrumental in us purchasing several rental properties and also in obtaining quality tenants for us. We would highly recommend Lillian to anyone.
Thank you Lillian for all you have done and continue to do
Rocky Basanisi
May 30, 2021
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Sylvia's knowledge and experience was undoubtedly a big reason our home sold in 5 days and also over asking.Sylvia and her team helped us prepare so we could maximize the value of our home.
Sylvia was always available and very diligent in her following up with every view of our home.
Using other agents to sell past properties it was amazing to see how an agent like Sylvia can make such an impact.
We are so grateful she made this endeavour so easy and stress free.
Truly a pleasure to work with!
Sylvia was always available and very diligent in her following up with every view of our home.
Using other agents to sell past properties it was amazing to see how an agent like Sylvia can make such an impact.
We are so grateful she made this endeavour so easy and stress free.
Truly a pleasure to work with!
