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Ever wondered how some investors can buy and sell properties before they're even built?
In this episode, Nicole looks at the intriguing world of assignment sales, where the original buyer of a pre-construction property transfers their purchase rights to another buyer before the property is completed.
Nicole breaks down the process using the story of a savvy investor who successfully navigated an assignment sale to free up liquid cash for a new opportunity.
Listen For:
03:36 - Why Would Someone Sell Pre-Construction?
06:18 -Why Assignment Sales Attract New Buyers
12:40 - Tips for Assignors and Assignees
16:11 - Liam’s Success Story: A Win-Win Assignment SaleContact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Do you find real estate jargon overwhelming?
In this episode, host Nicole Lopez breaks down common real estate terms like MLS, freehold, condo, closing costs, and more.
From understanding the difference between chattels and fixtures to the ins and outs of bidding wars, Nicole provides practical tips and insightful anecdotes to help listeners navigate the complex world of real estate.
Whether you're a first-time homebuyer or an experienced investor, this episode is packed with information to empower your next real estate decision.
Listen For:
03:30 - MLS (Multiple Listing Service) Explained
10:00 - Pre-Construction vs. Resale: Pros and Cons
14:06 - Chattels vs. Fixtures: What Stays, What Goes
20:09 - Bidding Wars: Strategies and RisksLeave a rating for this podcast with one click here
Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Ready to take the plunge into real estate but feel daunted by the down payment?
In this episode, Nicole breaks down the art and science behind securing a down payment for your dream home.
From understanding market trends and interest rates to exploring creative savings strategies and government programs, Nicole equips you with all the tools you need to be prepared and confident in your real estate journey.
Nicole shares how to align your financial habits with your real estate goals and build the right team to guide you through the process.
Listen For:
02:52 - Down Payment Basics: What You Need to Know
16:24 - GTA Real Estate Trends and Market Forecast
19:12 - Strategies for Saving a Down Payment
28:07 - The Value of a Mortgage Broker in Your Real Estate JourneyLeave a rating for this podcast with one click here
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Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Want to leave a lasting legacy for your loved ones?
In this episode, Nicole dives deep into the concept of generational wealth and its transformative impact on families.
Through the contrasting stories of the Joneses and the Smiths, she illustrates how mindset, financial literacy, and strategic planning can make or break a family's financial future across generations.
Packed with practical advice on diversifying investments, educating the next generation, and cultivating a growth-oriented perspective, this episode is a must-listen for anyone seeking to build a solid foundation of prosperity that endures.
Listen For:
08:40 - Mindset and Strategy
11:45 - Diversification and Preparing Future Generations
17:19 - Consequences of Not Building Wealth
21:32 - Growing Generational Wealth: Actionable Steps
Leave a rating for this podcast with one click hereContact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Your real estate journey is as unique as your fingerprint!
In this episode, Nicole explores the diverse and deeply personal paths individuals take in the world of real estate.
From a single mother named Claire who builds a stable future for her children, to investors like Petra and Josh who navigate the market based on their financial situations and risk tolerance, Nicole delves into the factors that make each real estate journey distinct.
Covering financial backgrounds, lifestyle preferences, market conditions, and more, she provides insights and actionable tips to help you make informed and personalized decisions.
Tune in for a blend of heartfelt stories and practical advice that underscores the importance of embracing your unique path in real estate investing.
Listen For:
10:14 - Long-Term vs Short-Term Goals
12:34 - Emotional Decisions in Real Estate
16:09 - The Power of a Support System
23:42 - Navigating the Closing Process
Leave a rating for this podcast with one click hereContact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Dreaming of warm winters and beachside living?
In this episode Nicole shares the story of Sarah's parents as they explore investing in a Florida retirement property.
They navigate the nuances of cross-border real estate investments, including financing options, mortgage differences, and the importance of having a detailed action plan.
The main takeaway is the crucial role of a well-crafted action plan in making informed real estate decisions. Join us to learn how thorough research, strategic planning, and professional guidance can help you achieve your real estate goals.
Listen For:
09:29 Mortgage application: documentation requirements for Canada, US
19:29 Plan, research, and understand before making decisions
12:35 Down Payment Requirements and Closing Costs
13:53 Financing from US Banks Without US Credit History
Leave a rating for this podcast with one click hereContact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Why just dream of palm trees and sunshine when you can own a piece of it?
In this episode, Nicole explores the booming opportunities for Canadian investors in the US market. With statistics highlighting significant Canadian purchases in top states like Florida, Arizona, and California, Nicole provides a comprehensive guide to navigating this lucrative landscape.
She covers essential factors such as potential benefits, challenges, and practical tips for a successful investment journey, emphasizing the importance of thorough research, working with trusted professionals, and understanding the legal and financial implications.
Listen For:
03:39 - Top US Destinations for Canadian Investors
06:59 - Why Canadians Flock to Florida and Beyond
19:16 - Challenges and Considerations for Cross-Border Investments
25:47 - Practical Tips for Canadian Investors in the US
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
Email | Website
Sources:
(1) 2023 International Transactions in U.S. Residential Real Estate National Association of REALTORS®
(2) Global Property Guide for prices in global cities. -
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Interest rates are dropping, and the real estate market is heating up!
In this episode of, Nicole Lopez explores the significant implications of the recent 25 basis point drop in the Bank of Canada’s benchmark interest rate for buyers, sellers, and investors. She provides a detailed analysis of how these changes affect mortgage affordability, market dynamics, and long-term planning.
Drawing parallels from Operation Overlord, Nicole emphasizes the importance of strategic timing, meticulous planning, and perseverance in navigating the real estate landscape.
Listen For:
3:00 - Bank of Canada Interest Rate Drop
7:02 - Impact of Rising Interest Rates on Homeowners
8:18 - Bank of Canada's Strategy Against Inflation
12:07 - Implications for Sellers in the Current Market
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Toronto has cooled – but Calgary's real estate market is on fire!
In this episode, Nicole explores Cow Town’s booming market with Carlin Lutzer, a top real estate agent from CIR Realty.
Together, they discuss the driving factors behind the frenzy, the impact on buyers and sellers, and strategies for navigating this competitive landscape. Are they different from ones we’ve seen in Toronto?
Carlin also touches on Calgary's economic diversification and future market predictions, offering valuable perspectives for anyone considering a move or investment in the area.
Listen For:
09:14 - Calgary's Explosive Growth
13:57 - Interest Rates and Market Impact
18:01 - Migration Trends
36:55 - Strategies for Success
Connect with Guest: Carlin Lutzer
LinkedIn | Website
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Send us a text
Anchor your investment with wisdom from the 'wise builder'.
In this episode Nicole explores types of home insurance, factors affecting premiums, and practical steps for securing the best coverage to protect your investment.
Through compelling real-life stories and practical advice, she emphasizes the importance of understanding policy details, regularly reviewing coverage, and being proactive in maintaining your home.
Whether you're a first-time buyer or a seasoned homeowner, this episode will guide you in laying a solid financial foundation.
Listen For:
0:40 – Parable of the Wise Builder
3:14 - Types of Home Insurance Policies
10:34 - Understanding Policy Details, Premiums, and Deductibles
25:38 - Building the House: Steps to Choosing the Right Insurance
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Owning a home: it can feel like a dream in a Wonderland reality.
In this episode, Nicole examines the parallels between Alice's journey and our post-pandemic real estate landscape, where the rules of the game seem to be rewritten, leaving us more hopeful.
She decodes the whimsy of this Wonderland, painting a picture of a society that has emerged from the rabbit hole of uncertainty with a renewed perspective on renting versus owning.
Despite the challenges and the fantastical twist of today's market, Nicole reassures us that owning a home remains within reach, much like the triumphant clarity that Alice finds amidst the chaos.
Listen For:
3:42 - Once Upon a Time in Homeownership
5:49 - Renting vs Owning
13:58 - The Cost of Waiting
20:22 - Leveraging Home Equity
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Mortgage paid off but still in debt?
Mortgage and title fraud is a rising and serious concern in Canada. Title insurance can be your financial shield. In this episode Nicole outlines the alarming scenario of homeowners suddenly finding themselves in default, years after paying off their mortgages due to fraudulent claims— a real-life twist that's becoming all too common.
Title insurance emerges as the unsung hero, providing a one-time purchase that safeguards your property rights against a variety of risks including fraud, survey disputes, and undisclosed liens.
Nicole stresses the importance of understanding your policy and consulting professionals, underscoring that while title insurance isn't mandatory in Canada, it's a strategic move for any homeowner.
Listen For:
0:01 The Rising Threat of Mortgage Fraud
2:33 What Title Insurance Covers
8:03 Why Title Insurance Matters for Both Homeowners and Lenders
10:12 The Kinds of Properties Covered by Title Insurance
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Home staging works!
Dive into the world of home staging with Nicole and home stager Niasha Bell as they share the creative force behind Staging by Nash Decor.
Niasha shares her journey from banking to realizing her dream as a professional home stager, illustrating the power of staging in creating emotional connections for potential buyers. The conversation delves into the nuanced art of decluttering, depersonalizing, and highlighting a home's best features, emphasizing staging as a strategic marketing tool rather than mere decoration.
In a discussion that's both informative and inspiring, the episode highlights staging as a critical and savvy investment in the real estate process. As we celebrate International Women's Month, Niasha's story stands out as a testament to female entrepreneurship, mentorship, and the joy of following one's passion.
Listen For:
1:31 - The Creative Leap
6:27 - The Purpose of Staging
10:42 - Essentials of Staging
19:22 - Staging as a Marketing Tool
Guest: Niasha Bell
Niasha Bell is a certified Home Staging and Redesign professional and a graduate from QC Design School. Always on top of what’s trending in interior styling, a passion for design and a results driven mindset. For the past several years Niasha has managed renovations of residential homes, multi-family rental properties and Airbnb conversions.Connect with Niasha:
Website | Email | Instagram
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Send us a text
In this episode, Nicole Lopez guides someone currently navigating the complex journey of purchasing a home, highlighting the need for meticulous planning and long-term thinking.
They explore the evolving aspirations of homebuyers, the intricacies between buyer desires and market realities, and the psychological nuances of staging a home for sale.
Nicole highlights the importance of understanding affordability and taking advantage of available programs when planning to buy a home.
She emphasizes the personal touch in real estate transactions, the importance of aligning with a realtor who truly understands your needs, and the strategic decisions that can make or break a property deal, all while navigating the current Canadian market trends and the couple's own experiences and expectations.
Listen For:
2:55 - "Family Matters: Upsizing with the Future in Mind"
5:00 - "The Why Behind the Move: Understanding Motivations"
14:05 - "The Heart of Homebuying: Uncovering True Desires"
22:55 - "Staging Strategies: Enhancing Your Home for Sale"
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Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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There really are many programs specifically tailored to help homebuyers navigate the complex path to purchasing a home.
A shared-equity program is highlighted as the episode sheds light on how this resource offers a lifeline to support homebuyers.
Guest: Lorne Andrews, GTA Mortgage Lending, Dominion Lending Centres
Website | Email
416-276-6445
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Send us a text
As a woman, if you've ever said (or thought) "I don't understand this," when it comes to financial planning, this episode will simply change how you think.
Sara McCullough, a seasoned expert from WD Development with over two decades in the finance sector, passionately advocates for a deeper awareness of one’s financial landscape and the significance of making educated choices. She challenges listeners to discard any self-doubt about their financial acumen, to embrace a positive relationship with money, and to understand the emotional dynamics at play.
Sara underscores the necessity of posing the right inquiries to fully grasp the advantages and potential pitfalls of financial decisions.
Listen For
7:14 Money as a Tool for Achieving Dreams
8:41 Understanding Financial Designations and Who is Really Working FOR You
20:11 Why Women Need to Stop Saying “I don’t Understand” They CAN and DO Understand
43:55 Aligning Financial Decisions with Personal Goals
Guest: Sara McCullough, CFP, CFDS, CDFA
LinkedIn | Website
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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A reverse mortgage is a financial tool that allows homeowners aged 55 and above (in Canada) to borrow against the equity in their homes. A reverse mortgage could be beneficial in scenarios such as funding home renovations, helping adult children with down payments for their own homes, or supplementing income for seniors with high healthcare expenses.
Reverse mortgages do not require income verification or stress tests, and repayment is flexible, with no payments required until the home is sold or the last homeowner passes away. Remember ALL homeowners on the title must be over 55, and the property must be well-maintained and in a good location to qualify.
Listen For
3:06 The Differences Between Canadian and U.S. Reverse Mortgages
5:07 Eligibility and Family Considerations
6:52 Using the Reverse Mortgage for Home Renovations and Creating Rental Units
12:36 The Flexibility of Repayment
Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Early on in his business Daniel Lewis committed to being local. He started a tea business… which ultimately led to a rendezvous with royalty.
2014 Young Entrepreneur of The Year (Brampton) 2016 Business Excellence Award 2017 Top 40 Under 40 Entrepreneurs (Brampton) 2019 Toastmaster International Community Award 2022 Global Visual Victories Silver Medal for most creative Pop-Up Store Design!
Lewis is an entrepreneur, author, motivational speaker, and the 2023 chair of the Brampton Board of Trade. In this episode Daniel shares his story starting his tea business, T by Daniel, and how it grew from a local venture to an international brand. He emphasizes the importance of community involvement and creating memorable experiences for customers. This is what helped him become international.
Lewis also discusses his what he learned in his role as the 2023 Chair of the Brampton Board of Trade and the potential for growth in Brampton. He encourages business owners and investors alike to be authentic, be intentional, and to read books to gain knowledge and insights.
Listen For
3:26 Brampton’s Unique Character
7:00 Having a Local Focus as a Springboard for Business Success
23:39 Daniel’s Personal Lessons About Authenticity in Business
Guest: Daniel Lewis, Daniel’s Chai Bard and past chair Brampton Board of Trade
Daniel is an author, entrepreneur, and international speaker. He’s the proud founder of the award-winning tea company Daniel’s Chai Bar (formerly known as T By Daniel). His people-focused outlook on entrepreneurship and his experiential business tactics have garnered him and his company nationwide recognition and many awards and honours such as:Daniel's success with his retail tea brand have even landed him an opportunity to serve His Majesty King Charles III during his 2017 Royal Tour to Canada.
With his official public speaking platform iAMDaniel.ca he touches on his non-traditional approaches to many business-related topics and themes with a special focus on helping organizations Cultivate a People-Centric approach to Business, Master The Art of Customer Experience & Discover the Power of Personality
Website | Creative Agency House of Lewis | LinkedIn
Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
Email | Website
Book mentioned during episode: The Richest Man in Babylon by George S. Clason -
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There are lots of famous quotes by famous people about the value of history. One example is by Teddy Roosevelt, “I believe the more you about the past the better you are prepared for the future.”
In this episode, Robert Malcolm of Perch Mortgage Brokerage discusses the history and future trends of the real estate market in the Greater Toronto Area (GTA). There’s been significant growth in property equity since 1989, with an increase of 336%.
Malcolm also discusses the impact of interest rates on the real estate market, noting the high rates of the late 80s and early 90s and the subsequent shift to lower rates. He suggests that the current market is shifting towards a buyer's market due to affordability issues and increased supply and advises potential buyers to ensure they can afford their mortgage payments and to seek professional advice before making a purchase.
Listen For
3:40 The Historical Context of Real Estate in the GTA
5:48 The Impacts of Government Policies and Interest Rates
7:43 Market Dynamics Post-Pandemic
9:37 Current Market Conditions and Strategy
Guest: Robert Malcolm, Perch Mortgages
Website | Email | LinkedIn | Facebook | Instagram
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Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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Incentives offered by builders can come in various forms, such as discounts on the purchase price, free upgrades, waived closing costs, and rental guarantees. These exciting incentives may seem too good to pass up as they could lead to significant cost savings.
However, there could be hidden fees or perhaps simple misinterpretations. In this must-listen podcast episode, you'll learn why you should always do your due diligence and research the builder and the development before making an investment. By listening to this episode, you'll be equipped with the knowledge to make a smart investment and secure your dream home.
In this episode Nicole shares the benefits of assignments, capped development fees, and early occupancy. Lastly, she talks about the HST rebate eligibility criteria for investors purchasing pre-construction condos in the GTA.Contact Nicole Lopez
Real Estate Agent
Royal LePage Credit Valley Real Estate, Brokerage
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