Buying or selling real estate in Windsor, or maybe just refinancing a home to get a better rate? Call Axess Law’s affordable real estate lawyer in Windsor for flat fee legal services, any day of the week. Axess Law is a virtual real estate lawyer Windsor service.
Real estate deadlines creeping up on you? Go virtual with an Axess Law remote real estate lawyer in Windsor. Real estate closings are way more convenient when you hire an Axess Law Windsor real estate lawyer. Call us for appointment times that work for you. We make video conference calls wherever you are. We’re flexible, and our flat fee legal services for real estate buyers and sellers cut costs when you need it.
Making appointment after appointment with a real estate lawyer takes you away from other important business, family, and friends. Axess Law makes home buying easier. Go online to review agreements of purchase and sale that protect your buyer’s right to cancel. Sign mortgage discharge documents by video conference, or refinance your home to buy real estate investments. An Axess Law Windsor real estate lawyer does it all. Ask us about times that suit your schedule. Our Windsor real estate lawyers are available day or evening.
Seller’s market? Don’t miss out because finding a real estate lawyer’s a hassle. Your Axess Law virtual real estate lawyer in Windsor goes online to help you sell or buy a new home too. We review your agreement of purchase and sale for obvious gaps and arrange for you to sign legal documents remotely to complete your real estate transaction. Hiring an Axess Law remote real estate lawyer in Windsor can make selling a home less complicated because we bring our services directly to you.
Refinancing real estate goes quicker when you use Axess Law. Email your refinancing offer to a virtual real estate lawyer in Windsor for a quick review of the terms and conditions. We tell you about prepayment penalties that could eat into your savings.
When you’re satisfied the deal is right, your Axess Law virtual real estate lawyer in Windsor gets the signed documents back to your lender on time.
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An Axess Law real estate lawyer in Windsor can video conference with you anywhere in Ontario. Call to talk to real estate lawyers 7 days a week, day or evening, at your convenience. Our online video calls and remote signing services take the work out of closing real estate transactions. Timely legal advice and low flat rate legal services — make your appointment by dialing 647-479-4118 in Toronto (toll free to 1-877-552-9377) or use our easy online booking form to find an in-person or remote real estate lawyer in Windsor. Debit, cash, VISA, or Mastercard accepted.
Having steady income is important to mortgage lenders, but it’s not the sole criteria for getting a mortgage. Some lenders are more flexible than others. What kind of real estate you are buying (such as whether it has rental income) compared to your other debts and how you manage your money are influential. How long you’ve been with a company can be a factor. Is this an annual contract or your first? Finding a co-signer or guarantor for real estate can be helpful when your income fluctuates.
What do you consider a bad score? High ratio mortgage insurers like CMHC (Canada Mortgage and Housing Corporation), Sagen™, and Canada Guaranty require a credit score of 600 to 680. The mortgage insurance premium, which you can pay upfront or add to the mortgage, protects the lender if you default. Lower than that and you may still qualify for a mortgage from a trust company (scores of 550 to 600) or private lender (under 500) to buy real estate.
Your Axess Law Windsor real estate lawyer can negotiate with the seller’s lender to amend the agreement of purchase and sale to extend the closing date. If the seller agrees, that gives you more time to work with a mortgage broker or, if a low credit score is the problem, a private lender or trust company to try to get financing. Non-immediate relatives can contribute non-repayable gifts to down payments, and some lenders will allow you to borrow a down payment to purchase real estate.
Your real estate agreement of purchase and sale includes a vacant possession clause. That includes a rental suite a tenant is vacating because you or an immediate family member will be occupying it. You could get the tenant’s phone number, and encourage them to collect it (set a deadline after which it will be tossed). Failing that, remove it, or pay a junk collector and hand the bill to the real estate seller. If they refuse to pay, short of going to Small Claims Court to get a judgment and waiting to collect, you may have to foot the bill yourself.
