Informed Buyers Guide by CC Realty Group

OUR 15+ CUSTOMER SERVICE COMMITMENT

Our mission is to provide you with a 10+ Customer Service Experience. This Home Buying Packet includes several useful documents for you to use during the home-buying process.

These are the ten promises that we make to you.

1. Provide you with 10+ customer service during the entire buying process.

2. Organize and schedule your home search process.

3. Discuss the benefits and drawbacks of each home in relation to your specific needs.

4. Provide you with ongoing updates on available homes.

5. Help you to compare homes and decide.

6. Advise you on the terms and issues of the offer and fill out the purchase order contract.

7. Present your offer and negotiate on your behalf.

8. Coordinate and supervise the preparation of all closing documents and guide you through the closing process.

9. Help you resolve any closing issues.

10. Coordinate move-in and assist with any post-closing issues.

The 10+ Commitment provides a number of benefits to you. Most importantly, you have our written guarantee that you receive best service possible throughout our relationship. You will save time and minimize stress during the home search and closing process, you will receive the most accurate and helpful information to help you make decisions, and you will be party to as smooth a transaction as possible.

ABOUT OUR TEAM

Welcome to CC Realty Group, your full service real estate team! We help people sell, buy and/or invest in real estate in Kitchener, Waterloo, Cambridge, Guelph and the surrounding cities.

CC Realty Group is founded on Compassion and Commitment and we strive to use our Mission, Vision, Values, philosophy in all that we do.

At CC Realty Group, we start with Why. We want to be sure to understand your wants and needs, and then lead with Compassion and Commitment! We believe in keeping in constant touch with our clients to ensure we are providing exceptional service above and beyond their expectations. All of this makes a difference from simply doing business as a transaction to being a Business Partner and your real estate consultant for life.

Experience the difference that Compassion and Commitment can make!

BUYERS INFO

Expect to meet at the office or some public place before going to the house of choice. This is Team Policy – we are different from other Realtors – this is for professional service and for the Safety of all involved. After all – if we were selling your home –would you want us to bring strangers into your home that we have not at least met for a few minutes first?

Expect to sign a Buyer Representative Agreement – if you want us to work with you then it is most important that we represent you and not the Seller through sub – agency – by showing you the home. This entails signing a Buyer Representation Agreement –which I will explain to you.

Expect to Drive past the Home before we go to see it – unless you already know the street, then you should drive past to ensure that you like the neighborhood and that there is no factors that would make you NOT want to live there. This includes, Hydro towers, commercial property adjacent, junky neighbor next door, etc

Expect to Find the Home you Love within 6 showings – Knowing your home criteria makes it easy for me to only show you homes that fit your criteria and within seeing 6 homes we should find one that you LOVE and offer on.

Expect MULTIPLE OFFER situation. If this occurs you must be prepared to put your best deal on the table as you may only get one chance. We suggest that you be pre-approved by our Mortgage Company in the event of such an eventuality.

Expect The Real Estate Market to be very hot and there are many buyers for homes in the First Time Home Buyer’s price range. If you find that perfect home that you “LOVE”, DON’T DELAY. Be prepared to put an offer on the property ASAP!

Sometimes, “If it doesn’t happen, then it wasn’t meant to be” simply means that you did not really want the home. You are in control of your own destiny and even if we would like to have some divine intervention some times you and only you have to make the decision. We will always provide you with information to allow you to make an educated decision.

, if you only LIKE the house, then we should keep looking until you find the one that you LOVE.

Expect Buyer’s Remorse – Buyer’s Remorse or anxiety is normal when buying your first home. To help you overcome this, we will take the time necessary to make you feel comfortable. We will provide you any history of the property and any sales in the area that are similar to the home you are thinking of buying. This way you will be informed and an informed buyer have more confidence.

Knowledgeable, efficient, and very friendly! As a first time buyer, walked me through everything and answered every question I had quickly and thoroughly (no matter how small). Definitely will reach out again if we ever sell & recommend to everyone. Fantastic service. - Jenn R

“

REALTOR ADVANTAGES

When it comes to buying or selling a home, most of us have probably asked ourselves: Should I use a Realtor, or can I do it myself. The thought that you might be saving some money on one of the biggest business transactions most of us will ever make, can be very appealing.

Reasoning that you can “pocket” the real estate commission, or get a “bargain” on that For Sale by Owner property, often results in “false” savings. Selling or buying a home is a very complex procedure involving large sums of money, stringent legal requirements, with the potential for making some very costly mistakes. Realtors have the qualifications and experience to help you make a successful purchase or sale in a relatively fast and painless manner.

The do-it-yourselfer seller or buyer will also have to factor in the considerable amount of time and expense required to market or pre-view properties, respond to or make calls and fill-out paperwork. Buying or selling a home on your own makes no more sense than trying to build a new one from scratch without the knowledge, training, experience and time needed to do the work properly.

Once you decide that using a Realtor is the way to go, it pays to shop around for this individual. By Realtor, we mean a licensed real estate professional who is a member of a local real estate board as well as the Canadian Real Estate Association (CREA) and, in Ontario, the Ontario Real Estate Association (OREA). When you work with a Realtor, you can expect strict adherence to provincial law and to a national code of ethics.

As licensed real estate professionals we provide much more than the service of helping you find your ideal home. Realtors are expert negotiators with other agents, seasoned financial advisors with clients, and superb navigators around the local neighborhood. They are members of the Canadian Real Estate Association (CREA) and must abide by a Code of Ethics and Standards of Practice enforced by CREA. A professional Realtor is your best resource when buying your home.

And the best thing about us as your Realtor is that all this help won’t cost you a cent. Generally, the seller pays the commission to the Realtor®. “

WHY YOU NEED A REALTOR

As a knowledgeable Realtor we can save you endless amounts of time, money, and frustration.

As a knowledgeable Realtor we know the housing market inside and out and can help you avoid the “wild goose chase.” A Realtor has the knowledge, experience and resources to find properties in your price range and homes that match your individual needs.

You can provide access the MLS service which provides up-to-date details on a wide variety of properties in the markets you’re exploring.

As a knowledgeable Realtor, we are an excellent source for both general and specific information about the community such as schools, churches, shopping, and transportation - - plus tips on home inspections and pricing.

You can save substantial time by allowing the Realtor to “preview” properties that fit your budget and expectations. This way, you may only have to visit a handful of homes to make a wise and informed selection.

As a knowledgeable Realtor we can help you with any home, even if it is listed elsewhere or if it is being sold directly by the owner.

As a knowledgeable Realtor we know the best lenders in the area and can help you understand the importance of being pre-qualified for a mortgage. We can also discuss down payments, closing costs, monthly payment options that suit you and the various financing alternatives available

A Realtor will explain and provide-up-to-date information on interest rates and mortgage options.

A Realtor can help you understand property financing, taxes, insurance and the steps you’ll have to take to complete a real estate transaction.

A Realtor will draw up an offer to purchase and assist with all details required to make a successful transaction, including when to bring in other professionals (lawyer, lender, home inspector, insurance broker and others).

As a knowledgeable Realtor we are experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price. We bring objectivity to the buying transaction, and we can point out the advantages and the disadvantages of a particular property. They will act as a mediator to off-set potential conflicts between you and a seller

BUYER AGENCY AGREEMENTS

#1 is to protect your interests as the Buyer!!!

Ensures as an agent that we use professional negotiation skills, seek appropriate properties that meet your needs, describe the merits and defects of any selected property, keep information confidential concerning you and generally act in the your best interests.

Ensures that we provide Good Faith, Full Disclosure, Competence, Obedience and Accounting.

All of this means that you as a Buyer get better service under an agency agreement.

Avoids misunderstandings of who is working for whom.

Avoids confusion of many agents showing you the same homes.

Clarifies that the commission is to be paid to the Selling Broker by the Listing Broker and NOT by YOU.

The market is very quick and busy and as agents who ONLY get paid commission, we cannot work on a simple “hope” of getting paid. We need to have the Buyer Agency agreement in writing.

If you are unsure that we are the right agents to help you find your dream home then we can make the agen cy for a short period of time.

If you absolutely despise working with us after today, we can mutually agree to terminate the agreement as we truly prefer to work with people that want to work with us and appreciate the professional effort we put forth.

Won’t I save money if I negotiate directly with a builder or the listing agent – NO –it usually costs you money as they are looking out for the sellers’ interest and NOT the best interests of the Buyer.

Advance Notice in the fast paced market. As a member of the KW Real Estate Board, we have access to daily listings and daily “Hot Sheets” indicating new properties being listed. We can then advise you such that you can be one of the first to see these new properties on the market.

The CC Realty Group are one of the best realty teams I have dealt with. We have bought and sold many houses and I value the responsiveness and service that the CC team provides. When I first told Roy I wanted to sell my house he was in Hong Kong and he responded within the hour and my house was sold in a week. That level of service is priceless. - Ryan S

“

REPRESENTATIONS

Seller Buyer

SELLER AGENCY (SINGLE AGENCY)

• Agent will represent the best interests of the seller

• Agent will owe the seller fiduciary duties

• Agent must give the buyer all material facts so that the buyer can make an educated decision

Seller Buyer

BUYER AGENCY (SINGLE AGENCY)

• Agent will represent the best interests of the buyer

• Agent will owe the buyer fiduciary duties

• Agent must give the seller all material facts so that the seller can make an educated decision

MULTIPLE REPS (DUAL AGENCY)

• Agent represents both the buyer and the seller equally

• Agent’s objective is to get a mutuallysatisfactory agree ment among all parties

• Agent gives all options to the buyer and the seller

SellerBuyer

• Depending on the local market, all parties may be present at contract presentation to negotiate on their own behalf

• All parties have confidentiality. Agent may do nothing to the detriment of either the buyer or the seller

• Both the buyer and the seller have a right to counsel. Before making any decisions, both parties have the right to seek family, religious, legal, or financial counsel.

In all relationships, as your Agent we have a duty to act honestly with both the buyer and the seller.

MORTGAGE PRE-APPROVAL

Many buyers apply for a loan and obtain approval before they find the home they want to buy. Why?

Pre-qualifying will help you in the following ways:

1. Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your payments will be on offers you choose to make.

2. You won’t waste time considering homes you cannot afford.

Pre-approval will help you in the following ways:

1. A seller may choose to make concessions if they know that your financing is secured. You are like a cash buyer, and this may make your offer more competitive.

2. You can select the best loan package without being under pressure.

You gain significant advantages in negotiating!

You beat the other buyers! You get the absolute lowest price!

You get the best financial terms! You get the lowest interest rates!

You get the best possession terms! You get the best seller concessions!

You eliminate wasted time, frustration and stress!

1. You are pre-approved for you loan in advance.

2. All you need to do is find the home you want.

3. You will know exactly what your monthly payment will be.

4. You will know exactly how much you need for your home.

5. There is never any sales pressure to buy!

Here’s how the mortgage pre-approval works:

1. We provide FREE consultation for qualification.

2. The Mortgage pre-approval fee is FREE!

A MORTGAGE PRE-APPROVAL CAN LITERALLY SAVE YOU THOUSANDS OF DOLLARS!

PARTNERS

+ SPECIALISTS

MORTGAGE SPECIALISTS

KATHY CLEMENS

Mortgage Advisor Scotia Bank kathy.clemens@scotiabank.com | Cell: 519-572-5836

JEFF ZABEL

Mortgage Agent Mortgage Alliance Jeff@therightmortgage.info | Office: 519-772-3763

SAI LEE

Mortgage Agent Mortgage Guys (Guelph) saileemortgages@gmail.com | Office: 519-497-9900

INSURANCE SPECIALISTS

BILL BAKALIS Advisor Sunlife Financial bill.bakalis@sunlife.com | Office: 519-729-3959

FRANK ABBINETT

Consultant Primerica frank.abbinett@gmail.com | Office: 519-897-7847

LAWYERS

VICTOR HUSSEIN

Victor Hussein Law Office

275 Lancaster St W Kitchener | 519-744-8585 | www.vhlaw.ca

DON TRAVERS

Paquette Travers & Deutschmann

423 King St. N Waterloo | 519-744-2281 | www.paquettetravers.com

GEOFF RABIDEAU

Rabideau Law Office

305 King St. W. 5th Floor Kitchener | 519-957-1001 | www.rabideaulaw.ca

The CC Realty Group have been instrumental to our success in real estate. They have sold 3 of our homes over the past 13 years and helped us purchase at least 8 homes, condos, etc. We’ve referred a number of our friends over 13 years as well and they’ve been equally impressed! Thanks as always, we couldn’t do it without you!!! - Toby S

“

HOME PURCHASE STEPS

Get Pre-approved for a Mortgage with a Mortgage Broker or Bank. Note: Typically the mortgage broker provides better service and better rates. We have a sister company that is a Mortgage Broker and that is Mortgage Alliance.

The Mortgage Broker and solicitor will advise you of options and closing costs. It seems to average about 2% of the Purchase price of the home ( explained later in the book). However, we strongly recommend that you contact your solicitor to get the exact cost. This way you will know exactly how much money is required to close your deal.

Get a CC Realty Home Buyer Package to know exactly how we are going to work with you in showing you homes, etc. Sign the Buyer Agency agreement and provide exact search details to us. Eventually we find the home that you Love! Then we make an offer. We will guide you through the offer process all the way until acceptance or walk away if we cannot work out a deal that is acceptable to you.

Expect to use Docusign Electronic Signatures – too make it easier for you and to save everyone’s time, all documents can be signed electronically. This system puts the document directly on your smart phone, or tablet or home computer and saves you the need to Print and Scan and Fax or Email. You simply click to confirm acceptance. As always, ask any questions needed as you complete this.

Expect Your First offer may be Countered – unless in multiple offers or offering the asking price – your offer may be countered to adjust terms including these key items: Price, Deposit amount, Closing Date, Chattels Included, Conditions and time to fulfill conditions.

Sometimes sellers are not prepared to sell for what you are prepared to pay. As your Realtor, we will provide you info to allow you to make an educated decision. The same is not always true when it comes to Realtors representing sellers or the sellers may not want to listen to reason. This sometimes occurs and we simply must move on.

It is customary to provide a deposit when making an offer. If the offer is accepted, The Listing Brokerage will Cash your deposit cheque right away, the deposit is held in Trust and credited towards the purchase price and is considered part of your down payment/closing cost or until the offer is mutually released. If the offer is mutually released, it can take up to 15 days to receive your deposit cheque back.

It is prudent to make an offer conditional upon Financing & Inspection. This allows time for the financing to be confirmed and for the home to be inspected by a professional to ensure that there are no surprises. It is one thing to buy a home knowing that there is a problem, however, it is the unexpected problems that cause us grief.

HOME PURCHASE STEPS

You should have the home inspected. We recommend inspection of the brand new home as well, although you are covered by the Ontario New Home Warranty Program. Home Inspectors range in price from $350 to $450 and we will provide you with some to choose from or you may have a friend or family member inspect the home at no cost to you but make sure that they really know building structures and home systems to give you a truly valued opinion.

After getting an offer accepted and being satisfied with the home inspection, then we get the Financing Approved. This only takes a day or 2 if you got a Pre-approval from step 1. We will fax the paperwork detailing the offer and the listing information to your financial institution and once you are approved, you need to advise us so that the paperwork to waive the financing and the inspection clauses can be done at the same time and within the timeframes set out in the accepted Agreement of Purchase and Sale

Inquiries as to insurance costs should be made while the inspection, and financing is getting done and this is your responsibility. It is usually best to call the company that insures your car now since there is usually discounts for multiple policies within an insurance company.

Expect to Meet to Sign Notice of Fulfillment or Waivers or Amendments (unless using Docu sign) – these are the forms that will need to be signed by the dates set down in the Agreement of Purchase and Sale. It is important that you are available to sign these BEFORE the dates set.

Once the deal is firm and binding and you have signed the necessary waiver, then we will have your paperwork faxed to your Lawyer to do the necessary legal steps to close the deal on time. If you do not have a lawyer, again, we will suggest a few such that you can select one.

Start Packing and making your moving arrangements.

Call us to do the final walk through your home a couple of days before closing date. This is to allow you to ensure that the home has not been damaged or materially changed since the time that you looked at and offer on the home and the closing date. We will also find at this time (usually the day before closing) that the home may be in disarray as the owner may still be packing and preparing for a final move out the next day.

The Lawyer will call you the week of the closing if not before and will advise you of the amount needed in Certified Funds to bring to his/her office “in trust” and there you will sign more pa pers and pick up your key for your new home!

Expect the Unexpected - there is a lot of details and moving parts involved in a Real Estate transaction. And often something completely unexpected may pop up. And if it does, then re main calm and rely upon us to guide you through it.

Make your move; settle in after all of the stress and then call us to come by for a visit and to celebrate the new home!

RESIDUAL RESALE COSTS

OFTEN PURCHASERS ARE SURPRISED WITH CLOSING COSTS THAT THEY WERE BEEN ADVISED ABOUT. THE FOLLOWING IS AN OUTLINE OF NORMAL COSTS

DEPOSIT - At the time of presenting an Agreement of Purchase and Sale you will have to submit a deposit cheque which will be held in trust by the Listing Agent if the offer is accepted. The deposit amount is stip ulated by the Listing Brokerage on the listing. It deposit amount starts at and is usually up to $5,000 but may be higher depending on the Sellers wishes. The cheque will be deposited the day after acceptance. Sometimes arrangements can be made with a financial institution for a short term loan or line of credit if necessary (e.g. you have money tied up in term deposits or awaiting sale of your home, etc.)

SURVEY- If the Seller does not provide you with an up-to-date survey in the Agreement of Purchase and Sale (shows the existing location of fences, buildings and structures) it may be necessary to have one pre pared as mortgagees may require it. Cost is approximately $750.00 to $900.00 and up. Today, common practice is most lawyers will recommend Land Title Insurance which is a cost of approximately $200.00 to $250.00.

LAND TRANSFER TAX - (1st time buyer credit up to $4,000. 1% up to $255, 000 and 1.5% after $255,000$400,000)

The following outline is for residential only:

• Properties over $250,000 tax is 1.5%

• Single family/duplex over $400,000 there is an additional 0.5%

Sample Calculation:

• for a sale price between $55,000 to $250,000 it is $10.00 per $1,000 less$275.00

• for over $250,000 it is $15.00 per $1,000 less $1,525.00 equals $2,225

• for over $400,000 it is $20.00 per $1,000 less $3,525.00 equals $4,475

LEGAL FEES - This varies according to the lawyer. It is best to shop around. If you do not already have one, we can refer a few lawyers to you.

Make sure you ask what the fee includes. More specifically, does it include the title search fee? If not, how much will that be? Also, ask the lawyer if he/she will charge extra to act on behalf of the mortgagee, and if so, how much? Most lawyers charge a flat fee (including the title search fee), but many charge extra for the mortgage.

Please be sure to clarify all costs with your lawyer. It is most upsetting to find out on closing that because of legal fees, you do not have sufficient money to close the deal. COST: approx. $500.00 and up

1) STATEMENT OF ADJUSTMENTS – Balance due on Closing

Basically the balance due on closing is the difference between the sale price and the amount of your deposit which was presented with the Offer. However, there are cer tain items which will be adjusted at closing:

TAXES – if the seller has paid taxes for the full year, you would be responsible for your portion from the date of closing to the end of the year

FUEL - if the property is heated by oil, then the tank will be filled by the seller on closing and you will be charged with a full tank of oil (usually 200 gallons).

UTILITIES - all utilities and gas which are metered will be read on closing and the seller will be responsible to the date of closing.

These are normal adjustments. There might be others if assuming a mortgage, new homes adjustment, etc.

RESIDUAL RESALE COSTS

DISBURSEMENTS - There will be other costs which the lawyer will have to pay on your behalf. Basically things like photocopies, tax certificates, zoning clear ance and work orders, couriers, registering of deed and mortgages, searching title (but not the fee), searching executions, mortgage schedules, estoppel certificate (for condominiums) and other incidentials. COST: approx. $500.00 to $700.00

HOME INSPECTIONS - COST: approx. $350.00 to $550.00

HOME INSURANCE - COST: this varies – we would suggest $600.00-$800.00 and up per year. Call for quotes

Processing or Appraisal Fee COST: approx. $200.00 to $300.00

A number of mortgage companies allow you to choose to: A) include realty property taxes in monthly payments or B) pay them yourself If you choose A) or if the mortgage company requests that you do, there may be a tax holdback from the mortgage advance at the time of closing. They all have different formulas but it could be about 1/3 or 1/2 of the annual taxes or more. Clarify this with the mortgage company at the time of

Example: The reason for the holdback is: Suppose taxes were $2,400 per year and your closing date is November 30th and taxes have to be paid in full by June 30th. Commencing with your first mortgage payment which would be January 30th, you will pay 1/12th of the estimated taxes per month (e.g. $200). By June 30th, you would have built up a tax account credit of $1,200 and the mortgage would be short $1,200 in order to pay the annual taxes. The tax holdback on closing would therefore be $1,200 so the mortgage will have enough in the tax account on June 30th to pay the taxes.

Re-sales: Although most used residential sales are exempt from HST, most services involved with the trans action are subject to HST (e.g. real estate commissions, lawyer’s fees, appraisals, processing fees, home inspections, insurance, moving costs, etc.). Financial services are exempt (mortgage, brokerage, etc.)

Substantially renovated Homes: are subject to HST if purchased from the Builder/Renovator.

Commercial Properties: are subject to HST. This is a complex area and individuals should refer to a special

New Housing: is subject to HST. This is also a complex topic. If builder/developer/Purchaser asks for advice, refer to an expert. New Homes over $400,000 require HST.

Residential Building Lot: is exempt if sold by one individual to another. However, if a builder/developer

NOTE: HST is a tax and will not be added to the value of new homes for finance purposes. Exam ple – if the sale price is $250,000 + HST. The mortgage will be based on $250,000 sale price. We know this can be confusing – ask for more details.

***NON-CANADIAN RESIDENTS*** IF YOU DO NOT HAVE OFFICIAL CANADIAN RESIDENCY, YOU WILL NEED TO PAY AN EXTRA 15% TAX, DUE AT CLOSING.

You can apply to be reimbursed for the amount after you have received your Canadian Resi

Closing costs - the list of charges that your lawyer presents to you on the closing date -surprises many people. They are additional costs over and above the price of the home. According to CMHC (Canada Mortgage

Corporation) and GE Capital, one should have, in addition to the down payment, at least 1.75% of the purchase price for closing costs. The costs vary among provinces, and for that matter, among cities.

you will find a summary of these costs from previous pages. Please note that not all of them may apply to your specific situation, and there may be more that apply in your circumstance. Use this only as a guideline, and then talk with your lawyer who can provide a more realistic estimate for your situation, since he or she is the best resource for your closing costs.

Inspection:

(Fire):

HOME INSPECTIONS

We want you to know that you are buying a great home without surprises and that is why we ALWAYS recommend a home inspection by a Professional Home Inspector. If you are purchasing a resale property or Brand New, we highly recommend that you have a professional home inspector conduct a thorough inspection. Inspections can take 2-4 hours to complete.

Every home including Brand New Homes often have imperfections that may need to be addressed. Often this is maintenance items that you as the Buyer should look after when you take ownership.

The inspection is intended to report on major damage or serious problems that require repair. Should serious problems be indicated, the inspector will recommend that a structural engineer or some other professional inspect it as well. Your home cannot “pass or fail” an inspection, and your inspector will not tell you what they think the home is worth the money you are offering. The inspector’s job is to make you aware of repairs that are recommended or necessary.

The seller may be willing to negotiate completion of repairs or a credit for completion of repairs, or you may decide that the home will take too much work and money. A professional inspection will help you make a clear-headed decision.

In choosing a home inspector, consider one that has been certified as a qualified and experienced member by a trade association.

We recommend being present at the inspection. This is to your advantage. You will be able to clearly understand the inspection report, and know exactly which areas need attention.

Here are some things to know about the process:

• The home inspection is a visual process only. The Inspector can’t open up walls or rip up any flooring.

• We ask the Seller to leave while we do our inspection so that we can really scrutinize the home without interference, however they DO NOT have to leave the home.

• Rescheduling & cancelling Home Inspections is very difficult & upsetting to the Seller– please be sure that you can attend the home as requested.

• The Home Inspection will take between 2 to 4 hours with the average time being 3 hours. If you want to stay for the entire time please plan accordingly.

• If you cannot attend for the entire time – you can attend near the end of the inspection so that the Inspector can show you the areas of concern he has found if any.

• If this is NOT a NEW home then there will be many maintenance items which will be pointed out by the Inspector. These are for you to handle once you own the home. What we are looking for in this inspection is really on Big Items that need to be addressed.

• Your Home Inspection questions should ALL be directed to the Home Inspector rather than asking for anyone else to review the report. The Inspector will review the Report in Detail.

Recommended Home Inspectors:

RODNEY MACGILLIVRAY

Baseline Inspections 519-656-2402

www.baselineinspections.com

BRIAN DOLOTOWICZ

Homecoming House Inspections

905-702-3137

www.homecominghouseinspectionsinc.com

RICK CLAYTON

Real Home Inspection Ontario 519-572-7896

realhomeinspectionsontario@gmail.com

MAIL: INFO@CCREALTYGROUP.CA PHONE: 519-772-3759

www.CCRealtyGroup.ca