Barb Taylor Trust is not something learned, it's EARNED

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WHO I AM

Trust is fundamental to me and it defines the person I am. I realize that you can only gain your clients trust with honesty and hard work.  Whether I am  offering free advice or helping you buy or sell a home - good results is always the end result!  I will not hesitate to tell you that you are not getting the best deal and will always acknowledge your needs and wants first. I have a proven 25 year track record due to my 24/7 availability.

I believe in the "Golden Rule"

WHAT IS AN ACCREDITED BUYER REPRESENTATIVE (ABR)?

The Accredited Buyer Representative (ABR) designation is the benchmark of excellence in buyer representation. With North American membership now excelling 42,000, the ABR may be one of the best kept real estate secrets in Canada. This coveted designation is awarded by the Real Estate Buyer's Agent Council (REBAC), an affiliate of the National Association of Realtors (NAR), to real estate practitioners who meet the specified educational and practical experience criteria. In Canada, both CREA and Ontario's RECO endorses this program.

Buyer Representation goes beyond just negotiating prices for homes. A buyer's representative might negotiate with the seller for a smaller deposit, for all closing costs to be paid by the seller, or for other contract terms more favourable to the buyer. Buyer brokerage assistance may include helping the buyer obtain third party insurance, such as legal counsel to review proposed contract, or an inspector to conduct a structural inspection of the property. A buyer's representative is loyal to the Buyer's interest.

RECOGNITION AWARDS
  
 Keller Williams Culture Award  2008-2009 

Customer Service Award 2007

    500 Club for Excellence in Salesmanship & Effort

  Sterling Club - Exceptional Performance & Outstanding Sales Achievement

  Outstanding Sales Achievement for 2005, 2006, 2007, 2008, 2009, 2010 & 2011

  Sales Achievement "Capper Club" for 2004, 2005, 2006, 2007, 2008, 2009, 2010 and 2011

  Teacher,  Mentor & Volunteer

Chair Person - Laughs for Charity Dinner October 21st, 2011 (Christie Lake Camp for Kids & Youth Services Bureau)

 

WHAT IS AN ACCREDITED SENIOR AGENT (ASA)?

The Accredited Senior Agent (ASA) designation is a professional new skill designed for the aging population. It is training in understanding the basis of real estate tax planning, estates, capital gains, transition moving for those in need, care facilities, care takers and other related services.

There is a lot more to listing and selling a home than just the paper process. It takes time, it takes consideration of people's special needs and it requires a strong team of experts both within and outside of real estate.

As an Accredited Senior Agent (ASA) the real estate agent must have a full compliment of top quality financial advisors, tax consultants, appraisers, handymen/women, transition managers and many more. 

 


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %