| Subject | Date Asked | Expert |
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| stated income loans | 9/15/2006 | Emma-Lisa Raffo |
Q: I own a home in the US and am a US citizen. I purchased my home with a "Stated Income" loan, ...
A: Rob, I spoke with a business associate of mine who is a mortgage broker and here's what he had to ...
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| Realtor Lien for Selling my home | 9/15/2006 | Tracy Hryhoruk |
Q: I listed a condo earlier this summer with a realtor in Calgary. He appraised it and gave me a price ...
A: I am sorry to hear you had a negative experience. The best thing that you did do was report it to ...
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| Possession Date change | 8/24/2006 | Emma-Lisa Raffo |
Q: Our residential property seller (owner) has informed us that because he does not have a place ...
A: Mike, It is not an uncommon occurrence for one party to stay on longer than originally planned but ...
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| Buyers changing the conditions of a signed and accepted Offer to Purchase | 8/8/2006 | Emma-Lisa Raffo |
Q: I am wondering how I handle buyers who have made an offer to purchase my house and have firmed up ...
A: First, let me start by asking you to take a deep breath. I can feel your frustration through this ...
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| Vancouver Property Trends and opportunities? | 7/30/2006 | Emma-Lisa Raffo |
Q: My wife and I are seriously considering emigrating to Canada (we are British and live in London). ...
A: & Mrs. Hirst, Greater Vancouver and its surrounding municipalities offer many opportunities for ...
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| Discovered basement leak | 7/20/2006 | Emma-Lisa Raffo |
Q: I just got possession of my first house on July 10. My first project would be stripping down ...
A: Tomas, I am very sorry to hear this is happening to you. Since I was not part of the transaction, ...
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| capital gain | 7/19/2006 | Emma-Lisa Raffo |
Q: I own 2 homes in Sechelt BC , currently rented out. Own a home in Surrey,BC as well. Thinking of ...
A: Kathy, First, when selling income property with tenancies, make sure you abide by the guidlines set ...
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| Discovered basement leak | 7/18/2006 | Emma-Lisa Raffo |
Q: I just got possession of my first house on July 10. My first project would be stripping down ...
A: I am sincerely sorry to hear about your home troubles. Unfortunately this is becoming a bad trend as ...
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| buying apartment in Toronto by US citizen | 7/17/2006 | Emma-Lisa Raffo |
Q: This is the first time I search on line to learn the real estate buying process in Canada. I need to ...
A: Steven, For some reason these types of questions seem to very popular lately. Lots of US citizens ...
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| raw undeveloped farm land in Canada | 7/14/2006 | Emma-Lisa Raffo |
Q: I am a loan officer in the states. I have a borrower who is wanting to purchase raw, undeveloped, ...
A: Is the US citizen living in Canada or In the US? According to a colleague I consulted, if the ...
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| Sending money to Canada to buy a property | 7/13/2006 | Emma-Lisa Raffo |
Q: Can I open up a bank account in my name to send money over to Canada for the property I am going to ...
A: Baksh, It may be a challenge to open up a bank account here in British Columbia(BC) since they will ...
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| U.S. citizens want to purchase house on Vancouver Island | 7/12/2006 | Emma-Lisa Raffo |
Q: ( Pretty and interesting name; yours is a hyphenated first name, which is not as common as a ...
A: and congratulations to you both on your Metchosin find! I grew up in Victoria and I am sure you’ve ...
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| Now that I am ready to sell.. | 7/10/2006 | Emma-Lisa Raffo |
Q: I recently asked you a question about staging my home. I am ready to sell now and have done some ...
A: Molly, Great to hear from you again. I bet unloading a lot of the things in your closets felt good ...
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| Buying property in Nanaimo | 7/8/2006 | Emma-Lisa Raffo |
Q: My husband and I are British Citizens and we want to buy a property in Nanaimo - is it possible to ...
A: Greetings Baksh, Nanaimo is a real hot spot in BC, a fast growing city with true West Coast appeal. ...
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| bare land condo | 7/4/2006 | Sheri Friesen |
Q: Do i require an estopple certificate or a real property report to purchase a bare land condo in ...
A: Sorry for the delayed response. I just returned from holidays. I apologize that I can not help you ...
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| Commercial lease agreement | 7/3/2006 | Emma-Lisa Raffo |
Q: I didn't find a specialist on lease agreements, I thought maybe you will have an answer to my ...
A: Tatevik, I am a residential realtor in BC, Canada. I am sorry I do not deal with commercial ...
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| US citizen buying in Calgary | 7/1/2006 | Sheri Friesen |
Q: I would like to start by thanking you for offering your invaluable knowledge and expertise through ...
A: Although some components of your question are out of my area of expertise. I will do the very best ...
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| Condition of Home Has Changed Since Purchase | 6/21/2006 | Emma-Lisa Raffo |
Q: I am in a frustrating situation with the seller of a home I close in July. When I purchased the 4 ...
A: You are tackling a few issues here: You wrote: “…When I purchased the 4 year old home it was ...
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| I am single woman buyer? | 6/2/2006 | Emma-Lisa Raffo |
Q: I am single woman buyer where would be a good area to live in Vancouver that is safe and lively?
A: Danielle, Vancouver, BC offers a kaleidoscope of lifestyle opportunities. One of the hippest places ...
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| ending a contract | 5/31/2006 | Emma-Lisa Raffo |
Q: We recently accepted an offer on our home. The offer was made late, midnight and we signed the ...
A: Lori, It is very common to go through a little buyer's or seller's remorse...selling your home is ...
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| Staging | 5/28/2006 | Emma-Lisa Raffo |
Q: What is staging? I am thinking of selling my house and I keep hearing people talk about this...a ...
A: Molly, Staging is a very big trend in real estate. The main idea behind staging or house dressing ...
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| contract between seller and real estate company | 5/16/2006 | Emma-Lisa Raffo |
Q: A person signs a 3 month contract with a real estate company to represent them and sell their home. ...
A: Cindy, As with any legal document, it is advised that you read it very carefully or when in doubt ...
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| purchase agreements | 5/14/2006 | Emma-Lisa Raffo |
Q: We are in the process of selling our home privately in B.C. I have purchased a purchase and sale ...
A: Susan, I answered this question but just noticed when answering another one today that for some ...
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| Reno | 5/6/2006 | Emma-Lisa Raffo |
Q: I am renovating and wonder what the best route to go about it would be?
A: CJP, Renovating the home is a great oppprtunity to increase your property's value. Since you did ...
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| Limited budget | 4/11/2006 | Emma-Lisa Raffo |
Q: I am thinking of selling my home and want to get the most money I can...what do you suggest for ...
A: Greetings Mary, Selling your home can be a stressful time but it doesn't have to be. There are many ...
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| Another US citizen question | 3/8/2006 | Keith Broad |
Q: Hope you like a challenge, cause this is one. I'm an ex-pat Englishman now a US citizen. My Mother ...
A: Neil; Your Mother's and Jim's interest in the property is by Agreement for Sale, or the Seller has ...
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| US Citizen/CA Citizen co-owning property in BC | 3/4/2006 | Keith Broad |
Q: My best friend who is Canadian and I a US citizen, want to purchase property in BC. And I trust him ...
A: Ron; This question about US citizens buying Canadian property has been asked many times, and one of ...
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| Is this wise? | 2/21/2006 | Keith Broad |
Q: I'm thinking of moving sooner or later...if i stumbled upon a home that had over six families ...
A: Chad; I'll assume for the moment that your question is a humorous one, in which case I would then ...
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| Real Estate on Vancouver Island. | 2/16/2006 | Keith Broad |
Q: How easy is it to purchase property on Vancouver Island, from Nanaimo & southwards. Price of ...
A: Kevin; I'm not sure what you mean by "how easy" is it to purchase property on Vancouver Island. Are ...
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| Declining an accepted offer??? | 2/6/2006 | Keith Broad |
Q: We recently made an offer on a home. It was counter-offered and it was accepted by us, pending home ...
A: Bob & Sally; Thank you for your question. My question to you would be, "Who is questioning you and ...
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| Selling deposit??? | 2/6/2006 | Keith Broad |
Q: I put a deposit down on a freehold townhouse. The house is suppose to close late this year. I want ...
A: Christina; Thanks for your question. What you are looking to do is 'Assign the Contract' to another ...
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| Making an offer | 1/28/2006 | Keith Broad |
Q: I am about to make an offer on a house, for the first time. Obviously I want purchase for as low a ...
A: Nancy; My question to you is, Do you have a realtor working for you? If not, why not? It costs you ...
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| us citizen purchasing canadian property | 1/6/2006 | Keith Broad |
Q: I am a us citizen interested in finding out what it would take to purchase property in Canada, and ...
A: Answer - Dear Jeanette; This question has been asked and answered many times, and one of the best ...
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| builder deficiencies | 11/7/2005 | Keith Broad |
Q: My son recently bought a condo and has moved in. There were a number of builder deficiencies that ...
A: Ron; If your son purchased directly from the Builder (without using a Realtor), he probably doesn't ...
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| how binding are contracts for the seller? | 10/17/2005 | Jag.Badwal |
Q: My in-laws live in the Waterloo/kitchner area and wanted to sell their house there then buy in ...
A: Greetings Tom, Thanks for your question. Here in theory when you sign on the dotted line it is a ...
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| Grandfather Clause? | 10/5/2005 | Jag.Badwal |
Q: I'm living in an apartment builing in Hamilton built in the 50's... my windows (if you can call them ...
A: Landlord has to make sure that the bulidings comply with the local by-laws. You can find out more ...
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| Conditional purchase agreement | 9/26/2005 | Keith Broad |
Q: My question is in regards to real estate. I submitted an offer to purchase with conditions which was ...
A: Jay; It's the Seller's choice whether or not they extend the conditional offer in first place, or ...
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| Conditional purchase agreements | 9/26/2005 | Jag.Badwal |
Q: My question is in regards to real estate. I submitted an offer to purchase with conditions which was ...
A: Greetings Jay Thanks for your question. It seems to me that the home owner has sold his house to ...
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| Canadian wanting to buy in the U.S. | 9/13/2005 | Jag.Badwal |
Q: I am a Canadian citizen, with good credit. Myself and some Canadian friends want to invest in a home ...
A: Greetings Thanks for your question.You & your friends can buy in U.S with no problems, But you ...
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| buying rental property | 9/11/2005 | Keith Broad |
Q: I have been reading the rich dad poor dad books and they have been talking about buying realestate ...
A: Brad; The only people making money in real estate with no money down are the people writing books ...
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