Real Estate Blog

New Mortgage Rules will ‘reduce the risk’ of a housing crash in Canada. The housing market remains hot, but healthy. The new rules will regulate mortgages to ensure that the economy will not be harmed with this hot market that we are currently experiencing. Ashley Sidler is in the studio with Rob Golfi and Rick Zamperin to discuss this and other local real estate topics. Email your questions to

The new mortgage-rate “stress test” to ensures that buyers
can afford to get into the market in the first place and meet their payments when lending levels begin to rise. Buyers will need to qualify at a higher interest rate so that the property can be more affordable to the buyer even though their actual interest rate is the going

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Top Teams 2016

We are excited to share the current issue of REAL ESTATE PROFESSIONAL magazine where the Cover Story features 2016's TOP REAL ESTATE TEAMs across Canada!

ROB GOLFI REMAX ESCARPMENT GOLFI REALTY in Hamilton is Honoured to have been selected to be among the 2016 BEST REAL ESTATE TEAMS in Canada in the current issue of REP (Real Estate Professional).

Check out the article for fantastic information on some of the best Real Estate Teams in Canada, who they are and what makes them continually successful in this competitive industry. Check out page 39!

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We Have lots of questions from the Listeners.
1.     What is the name of the song that is being played before the show starts.
2.     If I’m listing in the winter should I take photos of summer my property in the?
3.     Should I buy or sell first?
4.     Should we use a local agent to list our home or our friend from out of town?
5.     Can we stay in the home during showings and Can we talk to the buyers directly?
6.     What is the difference between assessed value vs market value?
7.     Do we have to sign a long listing contract?
8.     What happens if the appraisal comes in lower than what the buyers agreed to pay?
9.     What is the importance in signing a buyers representation agreement?
10.   Do I get a better deal if I deal directly with the listing

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With Rob today is Jennifer Draho Sales Representative with the Golfi Team
Are Low Interest rates are here to stay.
Hamilton – market what has happened in the past 6 years
Private lending and B lenders how costly will it be?
Should you rent your Furnace and Air Conditioner?
How valuable is experience when selecting an agent?
Buying out your spouse or partner. Is it good or bad?

Rob, Rick and Jennifer discuss the situation in British Columbia and Metro Vancouver. There is a legal challenge on the British Columbia Levy that has been imposed on Foreign Buyers seeking a class action law suit on behalf of those forced to pay the 15% tax imposed on foreigners. The notice of civil claim alleges that BC acted outside its jurisdiction when the Property Transfer Tax

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Special Guest Paul Settimi  - Barrister, Solicitor and Notary Public  905-527-0808. Paul is a General Practice Lawyer who primarily does Real Estate Transactions.

Topics for this show include:

What happens when the buyer doesn’t close on closing date?
With the buyer not closing the deal does the seller still have to pay the Realtors commission?
If the seller gets another buyer to close on the sale quickly, can he or she sue the first buyer for breaching the sale contract?
If the seller sells the home for more money than the first deal can he keep the deposit?
Everything you need to know about Titles Insurance, Wills & Power of Attorney

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Join hosts Rick Zamperin and Rob Golfi, Sales Representative with ReMax Escarpement Realty, the Golfi Team every Saturday at 9 a.m. for a discussion about the real estate industry. Topics for Saturday, Sept. 10, 2016 with Jennifer Draho and Monique Mackay from The Golfi Team include:

What is the difference between a chattel or Fixture?
Who pays for Chattels and fixtures when they Break?
What if the fridge breaks down on week after closing?
What if the furnace stops working?
Whose responsibility does it become?
What happens if sellers switch appliances?

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Missed our August 27th, 2016 show. Here are the highlights!

Do home buyers need a  Lemon Law?
1.     There is nothing to protect a buyer who discovers a hidden defect after closing.
2.     Used car buyers get more consumer protection than resale home buyers.
3.     What is a Seller property information sheet?
4.     Is completing a Seller property information sheet mandatory?
5.     What are the implications for agents?
6.     What key things to consider when buying a resale?

What is the Best day to close your home Purchase?
Things to look for and do one week before closing on your purchase?

Rob talks more about The Golfi Team.
3 full time and 1 part time administrative staff. 18 Real Estate Sales Representatives.
1.   Experience
2.   Brand
3.   Customer

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Special Guest - Kim Alvarez - President of the REALTORS® Association of Hamilton-Burlington (RAHB). Leads 2,900-member association – the third largest real estate association in Ontario – in 2016. Kim is also a realtor with Royal Lepage Burloak  in Burlington.

  1. Biggest question Tim Hudak quitting politics to lead Ontario Real Estate Association. What might’ve impacted his decision? What changes could we expect? How might his leadership impact OREA? Could you foresee Ontario colleges developing Real Estate Courses?
  2. 2 agents in Vancouver leaving a business card after a spouse has past away, are there any code of ethics or disciplinary action with Ontario or local association. Has the media blown this out of proportion? Does this happen more
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Our Special Guest for this show is Norine Jones of Power Vac Services Hamilton.

Topics for this show are:

What is vermiculite?
What are the health risks of vermiculite containing asbestos?
When did Vermiculite Start?
When did they realize vermiculite was hazardous?
How many homes in Hamilton would you think has Vermiculite Insulation?
Who do you call to test and see if you have vermiculite Insulation?
Could Animals cause toxic problems in your attic?
What is John Mansfield Insulation?
How often should we clean our ducts?

Norine Jones of Power Vac Services Hamilton

Listen below for the answers to these questions and more!

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Rob Golfi and Jennifer Draho are in the Studio with Rick Zamperin answering questions from listeners.


What are the costs of Selling a Home? Commissions, Mortgage Penalties and Legal Fees.

I want to list my house and I have never sold a home before. I just want to know what can I expect in the process and what are the costs of listing a house?

We're thinking of listing our home and we noticed in our master bedroom we have traffic patterns in our carpet should we replace that before we put it on the market.

Should you hire an agent on gut feeling?

How important is it to have a real estate agent vs private for sale?
I have listed my home with an agent and I’m not happy with him. Can I cancel my contract and hire someone else?

If I put an

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