My name is E.J. Bugayong, and I am committed to helping people achieve their goals through buying and selling real estate. With numerous years of experience in the real estate industry, I have the expertise to make your next real estate venture both positive and profitable. I specialize in people NOT areas, and this unique philosophy lets my clients achieve a wide variety of personal housing goals within their selling and buying pursuit.
As a real estate agent, I know that buying and selling real estate is more than just a “business deal” for my clients. It’s a life-changing affair that takes top priority. Providing exceptional service with a friendly approach assures my clients that their move is my top priority as well.
"E.J. did a stellar job finding an investment property with my budget. Not to mention helping me strategically to make it happen! He was knowledgeable about investment properties and successfully negotiated a great price. He was very quick to respond to my many questions and concerns. I was surprised how quickly we were able to find a suitable property! The entire process was very streamlined. I would highly recommend him and will work with him in the future."
"EJ helped us find our home. Right from the start EJ involved both of us in discussions and took the initiative to set up a group chat so we were always on the same page. We looked through so many places and in so many different areas. EJ showed a lot of patience. When it came time to negotiate a deal, EJ was an effective negotiator and very professional. He was always available to answer any questions. Great job. Would highly recommend."
"EJ helped us with both the sale of our old place and the purchase of our new one. He kept us thoroughly informed throughout the entire process, personally ensuring that every loose end was taken care of. We really appreciate the professionalism he demonstrated, the continuous support, and his dedication to getting us the best possible results. Would definitely recommend."
Talking with your bank about looking for a new home to buy is a great first step. Talking with your bank before looking for a home gives you a good idea exactly how much you can afford.
This question depends on your personal situation, there are many pro’s and con’s to buying a home before you sell yours. The biggest benefit to buying a home before selling your current home is the fact that you have a suitable property lined up.
Prices of a home depend on the overall housing market and is difficult to make a perfect prediction of when would be the cheapest. The best way to get a good price is to look at the numbers of days the house has been on market. It lets you negotiating better. If the home was recently listed, the seller will have had less time to test the market and gauge buyers’ response to the price, and will be less likely to negotiate
Typically, closing cost range from 1.5 to 4% of the homes purchase price. This does include legal and administrative fees. You should expect to pay for your home inspection, mortgage default insurance if you down payment is less than 20 per cent of the purchase price, the Land Transfer Taxes, lawyer fees, appraisal fee and property taxes, among other things.
The new mortgage rules require that all mortgage applicants qualify at a rate that’s two per cent higher than your contracted rate or the Bank of Canada’s five-year benchmark rate. This is to ensure that borrowers will be able to make their mortgage payments should interest rates increase.