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Benefits of Using a Home Builders Mortgage

Building your own house with a Home Builders Mortgage can offer many benefits, including:

Customization – You get to design and customize your home to your liking, creating a space that perfectly suits your needs and preferences.

Efficiency – Building a new home may be more energy-efficient, eco-friendly, and low-maintenance than purchasing an older home.

Long-term savings – You can save money in the long run by avoiding the costly repairs and renovations often required with older homes.

Increased home value – Building your own house can increase the value of your property and provide a higher return on investment.

Personal satisfaction – Building your own house can be a fulfilling and rewarding experience that provides a sense of accomplishment and pride.

Greater control – By building your own house, you have greater control over the design, construction, and quality of the materials used, which can lead to higher satisfaction with the final product.

Understanding the Home Builders Mortgage

A Home Builders Mortgage a mortgage loan that provides financing for constructing a new home. Unlike traditional mortgage loans, which based on the value of an existing property, a Home Builders Mortgage specifically designed for those who want to build a new home from scratch. Many financial institutions, including banks, credit unions, and private lenders, offer Home Builders Mortgages.

Looking for a vibrant neighbourhood in the west end? Life on The Queensway at JOYA Condos!

🔥Starting from the $400's
🔥12-storey
🔥Filled with Exceptional Amenities
🔥The Kipling Transit Hub connects to the TTC subway, GO Transit, MiWay, and bus routes

🚗 Quick access to Kipling Transit Hub and the Gardiner Expressway.
🎓 10 mins to Humber College, 25 mins to UofT, OCAD and Ryerson.
🌳 Nearby parks and retail options for outdoor and retail enthusiasts.

🔥The Pickering City Centre Condos represents an extraordinary and ambitious vision for a pre-construction master-planned community. It aims to transform downtown Pickering into a cohesive and pedestrian-friendly neighbourhood, seamlessly integrating municipal infrastructure, retail services, and residential development. This project seeks to establish downtown Pickering as a dynamic and captivating destination for both local residents and visitors from other areas.

✅ Close to Metro Stations
✅ Well-established bus routes
✅ Close to Pickering GO station
✅ Easy access to the 401 Freeway

WELCOME TO UNION CITY.
A NEW CONDO COMMUNITY IN A PRIME MARKHAM LOCATION
Experience the future of luxurious living at UNION CITY, an upcoming city-within-a-city located in the desirable Unionville neighborhood of Markham, Ontario. This extraordinary development will introduce new luxury condominium homes, an array of activities, and a host of convenient neighborhood services, offering residents a life of limitless possibilities. Prepare to be captivated by the striking architecture, sophisticated interiors, and an unparalleled selection of hotel-inspired amenities. Embrace a lifestyle that transcends the ordinary and opens doors to a world of extraordinary opportunities.

Highlights:
• 1-Min Walk to the York University
• 6-Min Walk to the Unionville Go
• 1-Min to Markham Pan Centre
• 5-Min to Hwy 407
• 6-Min to CF Markville
• 11-Min to Hwy 7

Don't Miss Out on PIVOT's One-Day Sales Extravaganza! 🌆🏢

This your golden opportunity to seize exclusive incentives from the GTA's Premier Developers.

📅 Date: Sunday, August 27th
⏰ Time: 11:00 - 5:00 PM
📍 Venue: Audi Mississauga Airport, 1400 Toyo Circ, Mississauga, ON, L4W 0E7

Be prepared for some astonishing announcements:

🚗 - Your Chance to Drive Home an Audi!
🏆 - GRAND PRIZE Awaits: Win an Exquisite Condo!

Mark your calendars, rally your friends, and make this event a must-attend. Unveil the door to extraordinary opportunities!

🎉 See You There, Dream-Chasers!

🚀 Ignite Your Future at PIVOT's Unmissable Developer Showcase! 🏙️

💼 Don't let this moment slip through your fingers – join us for an exhilarating day of potential and innovation.

🗓️ Save the Date: Sunday, August 27th

⏰ Time: 11:00 AM - 5:00 PM

📍 Location: Audi Mississauga Airport, 1400 Toyo Circ, Mississauga, ON, L4W 0E7

🌟 Brace Yourself for Transformative Reveals:

🏎️ - Get Behind the Wheel of Audi Excellence!

🎁 - GRAND PRIZE Extravaganza: Win a Luxurious Condo!
🔑 The time has come to unlock doors to prosperity and success. Imagine the possibilities as you explore pre-construction projects crafted by the finest developers in the GTA.

🏗️ Whether you're a seasoned investor or a curious dreamer, this event is your gateway to unparalleled opportunities.

Gather your tribe, circle this day on your calendar, and step into a realm of limitless possibilities.

🌠 Let's pave the path to your dreams together! See you there, visionaries! 👁️‍🗨️

🌉🏡 Bridging the Gap in Style! Let's dive into the world of Bridge Financing – your secret weapon in the real estate game. 💼✨

Did you catch wind of this? Bridge financing is like a magic wand for homeowners, allowing you to snag that dream home before selling your current one! 🪄✨ Experts swear by it, especially in a seller's market, where it's the ultimate tool for making your real estate dreams a reality.

Why's it so awesome, you ask? 🤔 Well, imagine swooping in on an amazing new property deal, sealing the deal pronto, or skipping the stress of selling before buying. It's all about seizing opportunities and avoiding the home-selling hustle.

Ready to build your equity empire? 🏰✨ Slide into my DMs and let's chat Bridge Financing – your ticket to seamless real estate moves! 💌🏠

🚀 Ignite Your Future at PIVOT's Unmissable Developer Showcase!
🏙️💼 Don't let this moment slip through your fingers – join us for an exhilarating day of potential and innovation.
🗓️ Save the Date: Sunday, August 27th
⏰ Time: 11:00 AM - 5:00 PM
📍 Location: Audi Mississauga Airport, 1400 Toyo Circ, Mississauga, ON, L4W 0E7

🌟 Brace Yourself for Transformative Reveals:
🏎️ - Get Behind the Wheel of Audi Excellence!
🎁 - GRAND PRIZE Extravaganza: Win a Luxurious Condo!

🔑 The time has come to unlock doors to prosperity and success. Imagine the possibilities as you explore pre-construction projects crafted by the finest developers in the GTA.

🏗️ Whether you're a seasoned investor or a curious dreamer, this event is your gateway to unparalleled opportunities.

Gather your tribe, circle this day on your calendar, and step into a realm of limitless possibilities.

🌠 Let's pave the path to your dreams together! See you there, visionaries! 👁️‍🗨️

🏠📈 Mastering the Art of Pricing! Let's talk about strategies that make your home stand out in the market. 💰

Market Value Magic: Setting your listing price according to the current market value ensures a sweet spot that attracts buyers and boosts your chances of a successful sale. 🎯

Above & Beyond: Going above market value might leave room for negotiation, but it could also prolong your listing time. 🕒💸

Price It Right: Listing below market value amps up urgency, sparking interest and possibly multiple offers. ⏳💥 But tread carefully to avoid undervaluing your property.

🔍 Staying informed about market trends is key! 📊 Make the right move for a quick and fruitful sale. DM me to find the perfect pricing strategy for your home! 📬💬

🌟 Unveiling Qui Modern Towns! Discover the future of upscale living in Markham's newest 32-acre Master-Planned Community at Markham Rd & Major Mackenzie Dr. 🏙️🏞️ With 2,000+ units, Qui Modern Towns offers the pinnacle of modern living, strategically located for all your daily conveniences.

🔥 Embrace the epitome of urban lifestyle with seamless access to Big Box Stores, Mount Joy GO, CF Markville, and more. 🚆🛍️ Plus, enjoy the BONUS PACKAGE worth over $75,000!*

✅ 1 MIN. away from Big Box Stores
✅ 3 MINS. to Mount Joy GO
✅ 7 MINS. to Highway 407
✅ 7 MINS. to Angus Glen Golf Club
✅ 8 MINS. to Markham Stouffville Hospital
✅ 12 MINS. to CF Markville Mall

Get ready for a new chapter in luxury living! 🏢🌇

🏠💼 Behind the Scenes: Your Real Estate Lawyer's Role as a Buyer 💼🏠

Ever wondered about the unsung heroes of your home-buying journey? 🦸‍♂️ It's time to shine the spotlight on the remarkable work of a Real Estate Lawyer! 📜✨

From dotting the 'i's to crossing the 't's, here's how they've got your back:

📝 Reviewing Legal Paperwork: They meticulously pore over every word in the purchase agreement, ensuring your interests are safeguarded.

🔍 Claims Check: They investigate the property's history to ensure it's free from any lurking claims or surprises.

🔒 Title Insurance: They lock in your peace of mind with Title Insurance, a safety net ensuring a clean title on closing day.

🏷️ Land Transfer Tax Calculation: They do the math to pinpoint the land transfer tax you'll owe at the grand closing.

📄 Crafting Mortgage Documentation: They weave the intricate tapestry of mortgage paperwork, ensuring it's all set for your new chapter.

💰 Financial Wizardry: They finalize the deal, orchestrating the synchronization of law and money, leaving no detail unchecked.

🔑 Handshake & Key Exchange: They're the maestros ensuring that, in harmony with the seller's attorney, all legal records and keys trade hands.

💬 Curious for more? Dive into the fascinating realm of real estate law by commenting below or sliding into our DMs. 📩👇 Let's unravel the legal magic together!

🏡🤩 What's Your Dream Home? Share & Win $1000! 🤩🏡

🔮 Imagine your perfect sanctuary – the place where every dream takes shape. Now, it's your chance to design your ideal abode! 💭✨

🏠 Home Type: [Fill in]
🛏️ Number of Bedrooms: [Fill in]
🛁 Number of Bathrooms: [Fill in]
💡 Utilities: [Fill in]
🏘️ Neighbourhood: [Fill in]
💰 Ideal Price: [Fill in]

📣 Share your vision in the comments below, and voila! You're entered to win $1000! 💸🎉 Let your creativity flow and watch your dream home come to life.

🎁 One lucky commenter will be chosen to win $1000, bringing you one step closer to turning those dreams into reality. 🌟 Don't miss out – your perfect haven is just a comment away!

🏠💰 Unlocking the Secret of Cash Back Mortgages 💰🏠

Embarking on your homeownership journey is a monumental financial leap 🚀, but fear not! Introducing the ingenious concept of cash back mortgages – a savvy way to ease the fiscal strain while chasing your homeownership dreams.

🔍 How It Unfolds 🔍
With a cash back mortgage, picture this: 🌟 As your loan sails smoothly to its final destination, your lender hands you a well-deserved reward. 🎁 This financial boost, equivalent to a portion of your loan, is your cash back! The cherry on top? It arrives just in time for the closing date, courtesy of your lender's generosity. 📅💰

🤑 The Amount in Your Pocket 🤑
The magic number you pocket through a cash back mortgage is tied to your loan's size. 📊💲 Stretching up to a generous 7%, this windfall could mean thousands in your wallet. For instance, if you're securing a $200,000 loan, brace yourself for a potential $10,000 bonus! 🙌 And the best part? This treasure is tax-free, giving your dreams an even brighter shine. ✨💎

📜 A Few Considerations 📜
Your lender will sketch out the boundaries, outlining the maximum bounty for your cash back journey. 📝 But here's the deal: cash back mortgages are open to all, regardless of whether you're a first-time buyer or a seasoned homeowner looking to refuel your finances.

⚖️ Balancing Act ⚖️
A cash back mortgage brings flexibility, but remember the scales tip a tad. 🎭 With fixed interest rates and potentially slightly higher charges, lenders keep things balanced by compensating for the upfront cash generosity.

🔓 Elevate Your Mortgage Game 🔓
Whether you're diving into homeownership waters for the first time or simply reimagining your mortgage strategy, cash back mortgages await your embrace. 🤗💼

💬 Ready to learn more? Let's unravel the wonders of cash back mortgages together! Reach out today and let's set you on the path to financial prowess.

🏡🔑 Your Dream Home Awaits! 🔑🏡

When it comes to finding the perfect home, I don't settle for less than extraordinary. 🌟 As the country's top real estate agent, my mission is clear: to craft or find your dream home that reflects your unique desires and aspirations. 🏠✨

🤝 Let's join forces and embark on this exciting journey together. Your vision becomes my roadmap, and your satisfaction is my ultimate reward. 🌄🌆 Because in my world, success isn't just a destination – it's the culmination of every satisfied smile, every joyful family settling in, and every dream realized.

💡 Remember, your growth is our growth. 📈💎 As your trusted partner, I am committed to going the extra mile to secure the ideal space where you can create lasting memories. And as we thrive together, so does our shared success story.

📞 Ready to make your dream a reality? Let's connect and get started on finding your perfect match. Dial me at *(647) 740-4772 – because it's time to turn dreams into addresses!

🏢📊 Unveiling the GTA Condo Market Report: Bedroom Edition! 📈🛏️

📍 Toronto: Dominating the scene with a solid 60% of condos sold! 🏙️
📍 Peel: A respectable 12%, making its mark in the condo game. 🏡
📍 York: Holding strong at 12%, a rising star in the market. 🌆
📍 Durham: Snatching 4%, proving smaller areas have big potential. 🏞️
📍 Halton: Making waves with 6% in the condo market. 🏘️

🛋️ Condo Configuration Breakdown 🛋️
💼 Bachelor Units: 2% - Perfect for the go-getters seeking a sleek space.
🛌 One Bedrooms: 21% - Ideal for the urbanites craving a cozy haven.
🛌+📚 One Bed + Den: 23% - A blend of style and functionality.
🛌🛌 Two Bedrooms: 32% - Spacious elegance for growing needs.
🛌🛌+📚 Two Bed + Den: 15% - Luxurious living with room to spare.
🛌🛌🛌 Three Bedrooms: 6% - A rarity offering ultimate versatility.

📞 Ready to dive deeper into the condo market? 📞
🔍 Let's talk numbers, trends, and opportunities! 📊💬
🔥 Call me NOW at 647-740-4772 to tap into the condo expertise! 🔥

🏆 Don't miss out on this exclusive chance to make your mark in the GTA condo scene. 🏆
📢 Your future condo awaits – seize the moment and dial in today! 📲💼

🏡 Discover Your Dream Home in Caledon! 🌳

Experience the epitome of luxurious living amidst lush valleys at the heart of Caledon East. 🏞️ Join us in this majestic new community, where your dreams find a home. Towns and Detached Homes await, starting from $1.2M, offering a lifestyle that's second to none.

🌟 Elevate Your Lifestyle with Exclusive Incentives 🌟
✨ $5,000 in FREE Upgrades at our Design Studio
✨ 5 FREE Appliances to make your new home truly shine

🔑 Flexible Deposit Structure for Your Convenience 🔑
Choose from a range of spacious singles:
For 32' Rear Lane Singles:

$50,000 with Agreement
$50,000 in 30 days
$50,000 in 120 days
$50,000 in 150 days
For 38' / 45' / 50' Singles:

$50,000 with Agreement
$50,000 in 60 days
$50,000 in 120 days
$50,000 in 150 days
💫 Your World of Convenience Awaits 💫
Indulge in a life surrounded by top-tier amenities. From schools to the great outdoors, dining to relaxation spots, everything you need is within reach.

📞 Ready to Transform Your Lifestyle? 📞
The journey to your dream home begins with a call. Dial 647-740-4772 now to explore this exclusive opportunity.

🏠 Your Dream Home Awaits 🏠
Seize the chance to be a part of the Upper Caledon East experience. Reach out today to find out how you can secure your spot in this remarkable community.

In summary, while home appraisals and inspections play crucial roles in homebuying, they serve distinct purposes. An appraisal assesses the property's value for the lender, while an inspection assesses its condition for the buyer's peace of mind and informed decision-making. It's recommended to have both an appraisal and an inspection when purchasing a home to ensure a comprehensive understanding of the property's value and condition. 🏠✔️

🏠 Unlocking Your Dream Home: Can You Use Life Insurance for a Down Payment?

Dreaming of that perfect home? Wondering if your life insurance can help fund your down payment? 🏡💰 Let's dive into the details:

🔑 The Right Policy Matters: Not all policies are created equal. Permanent life insurance, with its cash value accumulation, is your go-to. Unlike term life insurance, which doesn't build cash value, permanent policies offer you a financial cushion.

💼 Borrow Smartly: Borrowing against your permanent policy's cash value can be a game-changer. You've got options: loans, withdrawals, or even full surrender. Keep in mind, though, that borrowing comes with interest and possible implications on your coverage.

✨ Benefits Galore: Using your life insurance for a down payment isn't just about owning a home. It could lower interest rates, reduce mortgage payments, and even cover other home-related costs like inspections, renovations, or moving expenses.

💪 Safety Net Bonus: Your policy's cash value acts as a safety net in emergencies, boosting your confidence and potentially lowering interest rates. This means peace of mind for you and better terms from lenders.

🤔 Before You Dive In: While it's tempting to tap into your policy's cash, consider the long-term effects. Borrowing could impact its value, tax implications, and coverage for your loved ones. Consult your financial advisor and insurance provider for a well-informed decision.

🚀 The Right Move for You?: Using life insurance for a down payment can be a game-changer. But remember, it's a decision that should align with your long-term financial goals. Your advisors can guide you through this exciting journey.

Ready to explore this path? Reach out to us for insights and guidance. Your dream home might be closer than you think! 📩🏡

🏠 Elevate Your Homebuying Game with Vendor Take Back Mortgages (VTB)!

🤝 Ever heard of a VTB mortgage? This financing gem is Canada's secret sauce, where property sellers become lenders to help buyers secure their dream homes. 🏡💰

💲 No Banks, All Gains: Say goodbye to traditional mortgage stress! In a VTB mortgage, sellers provide the funds directly, skipping the middleman. Win-win!

📜 Seller as Lender: The seller takes on the lender's role, getting paid by the buyer over an agreed period, mirroring a regular mortgage setup.

💼 Tailored Financing: Perfect for unconventional situations. Buyers without standard financing options or sellers seeking extra income embrace this innovation.

🔐 Property Must Be Free: The property must be mortgage-free at selling time. No liens or loans allowed.

🌟 Creative Solutions: A VTB offers flexibility and possibilities for buyers, sellers, and investors to tread uncharted real estate paths.

💸 Set Your Own Rate: Interest rates are set by the seller, though they're typically higher than traditional rates.

💼 Benefits for All: Buyers gain an alternative route to homeownership, sellers profit with interest, and investors find creative ways to diversify.

⚖️ Win-Win Arrangement: Buyers secure homes, sellers gain income, and investors find a new avenue for growth.

🏦 Ready to explore the VTB world? Let's chat! DM now for insights on this game-changing mortgage alternative. 📩🌐

Don't miss out on the chance to transform your homeownership journey! 🏡💬 Reach out to us today and unlock the secrets of VTB mortgages. Your dream home awaits!

Pickering City Centre has been thoughtfully designed to take advantage of existing commercial, retail and institutional uses, including the Pickering Town Centre Mall and adjacent Pickering City Hall. New at-grade retail will complement these existing uses and connect the community via tree-lined streets, enhanced sidewalks, and active pedestrian walkways, providing an unmatched experience for people to work, live or play in this new urban centre.

🎯Act Now!
Don't let this opportunity slip away., Contact me 📱 647-740-4772

This new luxury development will serve as an excellent addition to the City of Pickering and is perfectly designed to align with the city’s vision of the future.🌿🚇🏬
The Highmark Condos is a new condominium development by Highmark Homes in Pickering.📍

🏢Right To Lease During Occupancy
🏢Rapid Transit Bus Stop 1 min walk
🏢SmartCentres Pickering 2 min drive
🏢Pickering Town Centre 3 min drive
🏢Pickering GO Station 5 min drive
🏢Durham Live 5 min drive

📞 Act Now! Don't let this opportunity slip away., Contact me 📱 647-740-4772

🏠🔑 Unlock Your Dream Home: The Magic of a Home Builders Mortgage!

Ever envisioned a home that's uniquely yours, tailored to your desires and needs? With a Home Builders Mortgage, that dream can become your reality. 🏡✨ Let's explore the captivating benefits that await:

🌟 Customization at Its Best: Picture designing your haven just the way you've always imagined. From layout to finishes, you're the creator of your perfect space, reflecting your personality and lifestyle.

🌿 Efficiency in Every Corner: Embrace the future of homeownership with an energy-efficient, eco-friendly, and low-maintenance haven. A new home offers not only modern comforts but also reduced environmental impact.

💰 Savings for a Lifetime: Bid farewell to the stress of costly repairs and renovations. A Home Builders Mortgage empowers you to enjoy a fresh start, meaning long-term savings and a pocketful of peace of mind.

📈 Investment That Grows: Your masterpiece isn't just a dwelling – it's an investment. Building your own home often translates to increased property value and a higher return on your hard-earned investment.

🌈 Personal Bliss, Always: Crafting your own home is more than construction – it's a journey of personal satisfaction and pride. The thrill of accomplishment is just one move-in away.

🛠️ Control That Inspires: Take the reins of your vision. When you build your own home, you oversee every detail, from architecture to materials. The result? A living masterpiece that perfectly resonates with you.

Now, let's decode the secret behind this enchanting opportunity:

🔑 Home Builders Mortgage Demystified: This unique mortgage loan isn't just about buying – it's about creating. Unlike traditional mortgages, it's tailor-made for visionaries like you who want to build from the ground up. Banks, credit unions, and private lenders are your partners in this journey.

Ready to embark on the path of architectural marvels and dreamy abodes? 🏠💬 Slide into our DMs and let's uncover the magic of a Home Builders Mortgage – where your vision and reality unite.

🌟 Unveiling River & Sky: Your Dream Lifestyle Awaits! 🌳🏡

Imagine waking up to the gentle whispers of the Thames River and the embrace of nature's beauty right at your doorstep. Welcome to River & Sky, a captivating new community of townhomes and detached homes that weaves life's finest elements together.

🌿 Nestled near schools, parks, and trails, this community is thoughtfully curated for families seeking a harmonious blend of convenience and nature's tranquility. Brought to life by the visionary partnership of Crystal Homes and Fernbrook Homes, it's not just a place to live – it's where memories are nurtured and dreams flourish.

🏠 Your journey starts from just $699,900, opening doors to a world of possibilities. Choose from freehold townhomes to spacious singles on up to 50' lots, offering you the space and freedom you crave. 🌆

Unlock the future with confidence, as closings are slated for 2026, giving you ample time to anticipate the magic that awaits. And here's the cherry on top: a flexible 10% extended deposit structure to make your homeownership dreams even more attainable.

🔑 The key to your new chapter is right here. Let's chat, let's explore, let's turn your aspirations into reality. Reach out to us today – the path to River & Sky starts with a simple DM. 📩

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📊 July's Market Insights: A Window into the Future of Real Estate! 🏠📈

As we step into July, the housing landscape continues to amaze with its resilient spirit! 🌟 The trend of robust home sales compared to the previous year persists, highlighting the adaptability of households to evolving borrowing conditions.

While the brisk spring sales momentum has softened slightly due to the Bank of Canada's interest rate adjustments in June, the heartbeat of the market remains strong. Throughout July 2023, a remarkable total of 5,250 home sales were documented via TRREB’s MLS® System. 📊 This marks an impressive 7.8 percent surge from July 2022, painting a vivid picture of growth and opportunity.

Excitingly, new property listings also flourished, growing at an even more substantial annual rate of 11.5 percent. 🏡🌱 The MLS® Home Price Index Composite benchmark saw a steady 1.3 percent year-over-year increase, while the average selling price reached new heights, soaring by 4.2 percent to a stunning $1,118,374 over the same period.

🔮 Looking forward, the demand for homeownership remains robust, riding on the wave of record population growth. The journey ahead promises potential and prosperity. Yet, in the short term, some prospective buyers may opt to wait on the sidelines for greater clarity on the direction of both monetary policy and the broader economy.

Delve into the future with us! 💬 DM us today to dive into the captivating insights and discover how these trends might shape your real estate journey. 📥 Let's embark on this exciting path together!

🏡 Discover a slice of paradise at River's Edge Master-Planned Community! Nestled just 3 km from the crystal-clear waters of Georgian Bay, our newest offering presents an array of inviting living options, including Towns, 40′, and 50′ Detached Homes.

Elevate your lifestyle and seize the opportunity to call this tranquil haven your own. Join us in embracing the serene vibes and natural beauty that surround you. 🌅

Ready to be part of this remarkable transformation? Let's chat about how you can be a part of it! 📞 Reach out to me at (647) 740-4772 to get all the exclusive details.

✨ Here's what awaits you:

📍 Prime Location: Sunnidale Road, Wasaga Beach
📅 Closing Date: January to July 2025

And that's not all – we're thrilled to offer you some limited-time incentives that make this even more enticing:

🎁 Development Charges and Levies Capped at $10,000 + HST
🎁 Right To Assign (Only a $5,000 Fee)

Don't miss out on the chance to invest in your dream and secure your spot in this idyllic community. 🌿 Let's make your homeownership dreams a reality together!