Office 416.921.1112   Direct 416.716.7073   perry@perrybaria.com

 

WHAT CLIENTS HAVE TO SAY

 

"Buying or selling a home is one of the largest personal and financial decisions you will make and you need an experienced professional to guide you through the process. When you work with me, you can count on personal, attentive, patient service, excellent knowledge of the area, great negotiation skills and expert selling strategies."


- Perry Baria

"Perry appreciates honesty and is equally honest in return. She took time to listen closely to our needs and wants and found us a home in an area we had not previously considered, but have quickly fallen in love with. When we were ready, she sold our house for 21% over asking, and we are now happily settled in our "forever house"."


- Lisa and Paul - Hillcrest Village

"Thank you for helping us buy our first home. You did an incredible job, and were always available and took the time to listen to our questions. In the end you were able to find us a house perfectly suited to our needs. We are so happy with our new home. You are a major reason our home buying experience was a very happy one."


- Stephen & Maha

"Perry has followed up with assistance on our home inspections, worked with us on communications with our vendors and stays on task and on time with her service, advice, and caring for us as people. She is a highly recommended professional real estate professional."


- Rick & Lorraine - Cabbagetown

"Perry guided us every step of the way. She started by listening, then proceeded to develop a plan. The end result was a step by step strategy for success. We sold our home for 26% over asking, and were able to leverage that incredible sale price against the purchase of a new home in our dream neighborhood."


- Peter and Sarah – Davisville Village

"It was a pleasure working with Perry Baria during my recent real estate transactions of buying my new home and selling my current one. I could not have made these decisions without her patience, expertise and guidance. Thanks again for everything."


- Carmella - Bloor West Village

"Perry is a fantastic agent. She is knowledgeable and aware of the market while adding a personal touch to make the buying and selling experience enjoyable."


- Ola A. - First Time Buyer

"Until you sell a home, you are never really aware of the value a real estate agent can bring to the table. Having a capable and confident agent makes a huge difference, and Perry transformed our process into a pleasure."


- Peter and Sarah – Davisville Village


Read More Testimonials

About Mortgage Insurance

Financial institutions are required by law to insure all mortgages with a loan to value ratio of less than 80%. This insurance protects the lender against borrower default.

Note: Provicial Sales Tax (8%) is applicable on mortgage insurance premiums, is due the date of closing, and is not rolled into a mortgage. Mortgage insurance premiums are exempt from the full Harmonized Sales Tax.


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Mortgage Insurance Providers

CMHC

Canada Mortgage and Housing Corporation (CMHC) is Canada's national housing agency. Established as a government-owned corporation in 1946 to address Canada's post-war housing shortage, the agency has grown into a major national institution. CMHC is Canada's premier provider of mortgage loan insurance, mortgage-backed securities, housing policy and programs, and housing research. More about CMHC can be found at http://www.cmhc.ca

Genworth Financial

GE Mortgage Insurance Canada together, with its related affiliates, is the largest private sector mortgage insurance company in the world and the only private sector supplier of mortgage insurance in Canada. http://www.genworth.ca

Mortgage Insurance Premiums Explained

Mortgage loan insurance premiums are calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.

Loan-to-Value Ratio
Up to and including 65%
Up to and including 75%
Up to and including 80%
Up to and including 85%
Up to and including 90%
Up to and including 95%
90.01% to 95% – Non-Traditional Down Payment
Standard Premium
0.60%
0.75%
1.25%
1.80%
2.40%
3.15%
3.35%

Contact Perry

Perry Baria | Sales Representative
OFFICE 416.921.1112
DIRECT 416.716.7073
perry@perrybaria.com

ROYAL LEPAGE REAL ESTATE
SERVICES LTD., BROKERAGE
55 St.Clair Avenue West
Toronto, Ontario M4V 2Y7

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