Your time is precious, now use it wisely. When you have other priorities, Axess Law Clinton virtual real estate lawyers close your next transaction on time. Axess Law Clinton is a virtual lawyer service.
Why worry about rushing from home or office to a lawyer’s office when you can close real estate transactions remotely? Axess Law Clinton brings virtual real estate lawyers directly to you. We explain every step involved in buying or selling a home, and discuss legal documents with you before you sign. Our secure, confidential video conferencing software is easy to use and affordable.
Leave the stress to others while you review and e-sign legal documents for real estate transactions online. Your Axess Law virtual real estate lawyer checks property titles for construction liens or other encumbrances that could delay transfer of title to you. We take your lender’s mortgage instructions and ensure your new mortgage is in place, then hand you the keys to your new home.
Axess Law virtual real estate lawyers (Clinton) make closing your next home sale quicker and more convenient. Agreements of purchase and sale require careful attention to ensure buyers are committed to following through. Our licensed real estate lawyers look for clauses that present obstacles to selling your home and finalize sales remotely to save you time and money.
Interest rates fluctuating or current mortgage up for renewal? Talk to a mortgage broker about where to find the best deals for your budget, then call Axess Law Clinton. Our virtual real estate lawyers take the pressure out of getting mortgage loan documents signed on time.
We go over mortgage offers, prepayment penalties and discharge fees before arranging for you to sign refinancing documents.
The home of Canadian radar, former RCAF Station Clinton is the final resting place of famed anthropologist and ethnologist Horatio Hale, author of the 1883 The Iroquois Book of Rites. Hale’s feat is commemorated in the town’s street names. A local artisan market and artist alley bring the compact town to life for tourists and locals alike. For adventure, try a ramble through Bannockburn Conservation Area, where fishing holes and picnic tables make for a relaxing day trip.
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Axess Law video conferences with you anywhere in Ontario. Call to talk to real estate lawyers 7 days a week, day or evening, at your convenience. Our virtual lawyer services make it easier to get legal services. Timely legal advice and low flat rate legal services — make your appointment by dialing 647-479-4118, toll free to 1-877-552-9377, or use our easy online booking form. Debit, cash, VISA or Mastercard accepted.
IRDs are penalties charged if you change lenders early on, before your mortgage term is up. To calculate the IRD, subtract your lender’s current interest rate from the rate you were charged, then multiply that by the outstanding mortgage balance and months left on the loan. For example:
Most likely, your previous mortgages had a five-year or longer term and you made payments for at least five years. The federal Interest Act prevents lenders from charging the IRD after the first five years, which is why lenders charge three-month interest penalties. IRDs are compensation for lost interest you pay a lender to break a mortgage early in the term. For example, 18 months into a five-year loan.
You can ask a realtor for assistance (making an oral contract). Eventually, all Ontario realtors have to formalize their relationship by signing a written client or customer agreement (there is a difference). Always ensure you understand the services, commission and expiry date in any agreement before you sign. Axess Law Clinton can review the terms and conditions when you are asked to sign a document you find questionable.
Listing agreements have holdover provisions that protect realtors’ commissions. So yes, you pay a commission when your realtor showed a home buyer your property before the listing agreement expired.
Home insurance usually covers the damages, but be careful about timing. Flooding, severe wind damage, or even earthquakes may be included in home insurance policies. What can be up in the air is whose insurance is liable. Talk to Axess Law Clinton if the seller has already cancelled their insurance.
Completing a SPIS (seller property information sheet) is not legally required in Ontario. However, once you complete a SPIS, it has to be disclosed to all interested buyers. You could be liable for wrong or fraudulent information, and it’s your duty to update the SPIS if anything changes before the sale closes
