Welcome to the Century 21 Today Realty Ltd.
Century 21 Today Realty serves Niagara homebuyers and sellers in:
Our hope is that you will consider us as your Real Estate Information Source both online and off line.
You'll receive FREE Expert Real Estate Information on selling, buying, moving, listings for sale, relocation, mortgaging, our sales team of Local Experts, and much more.
As a part of the World's largest real estate organization, Century 21 Today Realty is part of a System made up of 6,300 offices with 110,000 brokers and agents worldwide. We possess the largest real estate referral network and the greatest global coverage.
We believe, "Our customers deserve, and will receive, the finest service ever offered by any real estate organization.
Our Local Experts cover a wide range of real estate buying and selling services:
Home Sales, Recreational Properties, Fine Homes and Estates, New Homes, Development Properties, Commerical, Industrial and Investment Sales. We also cover a variety of real estate consulting services.
Century 21 Today Realty Ltd. is a member of the Century 21 System, the World's Largest Real Estate Organization. Century 21 Today Realty is owned and operated by Eugene Pilato, Principle Broker and Roy Zanatta, Broker. Both have extensive experience in buying and selling. Established in 1980, Century 21 Today Realty celebrated its 20th anniversary in the year 2000. Currently Century 21 Today Realty has five offices in the Niagara Region -- a direct response to the ever-growing mobility within our society. We believe in a customer first approach to service and adhere to the Century 21 Mission Statement:
"Our customers deserve, and will receive, the finest service ever offered by any real estate organization."
Century 21 Today Realty epitomizes:
Professional real estate knowledge. A dedication to honesty, integrity, professionalism and responsiveness to every customer we have the privilege of serving. Our friendly, knowledgeable sales staff is focused on meeting, or exceeding your expectations.
The AIR MILES Reward Program
Offers you an exciting opportunity to earn free travel, leisure, entertainment and other lifestyle rewards for simply buying everyday products and services from AIR MILES Sponsors. CENTURY 21® Canada is the only organization that can offer you this valuable reward program on your real estate transactions.
Unlike other frequent shopper programs, AIR MILES reward miles can be collected from over 100 leading companies, such as Shell Canada, The Bay, United Van Lines and, of course, CENTURY 21 Canada, to receive free rewards. Choose from over 150 rewards including weekend getaways, long distance calling, travel, car rentals and admission to local attractions.
CENTURY 21® Connections is your key to a rewarding experience. Let CONNECTIONS reward you with bonus AIR MILES® reward miles while linking you with the best in real estate related products and services. That's over and above the CENTURY 21 AIR MILES® base offer of two AIR MILES reward miles for each $1,000 of property value bought or sold.*
The rewards are at your fingertips. Just dial 1-866-21-MILES (1-866-216-4537) and start planning what you'll do with your bonus reward miles.
All products and services available through the CENTURY 21 Connections program are provided by the applicable company identified in the program and are not provided by Century 21 Canada Limited Partnership or its affiliates. Not all partners may be available in all areas.
Where is the next place you will call home? CENTURY 21® Communities can help you make that important decision. Find information and resources on more than 200 Canadian communities including schools, parks and recreation, local government, transportation, and sporting events. The CENTURY 21 System can help you find a community that is right for you and your family.
Why Use a Broker
Mortgage brokers are an important part of buying & owning a home. Your mortgage broker is not only a knowledgeable credit advisor but also coordinates the entire loan application, underwriting, approval and funding process.
CENTUM Mortgage Brokers deal with over 30 mortgage lending financial institutions in Canada. Our customers have access to the best mortgages, with the best rates in the market.
As full service mortgage brokers we work closely with you and your lender as well as your real estate representative, lawyer, appraiser and home inspector to insure that your purchase, refinance or renewal transaction proceeds smoothly.
Best of all our services are typically paid for by the lender and not the customer.
CMHC Expands Choices for Down Payments
Home buyers will have greater choice in what they can use for a down payment in a change recently announced by Canada Mortgage and Housing Corporation (CMHC).
Previously, home buyers were required to have a minimum five % down payment from their own resources to purchase a home. As of March 1st, the down payment can come from any source such as lender incentives or borrowed funds. However, borrowers will still have to prove their ability to meet their debt requirements in order to qualify for mortgage insurance.
Lenders will be able to offer Canadians a variety of mortgage product offerings including mortgages with terms as low as six months and fixed, adjustable and capped interest rate loans. (Source: OREA's March 2004 issue of Queen's Park Plus)
Housing Activity Expected to Remain Strong in 2004
Housing starts are expected to remain strong in 2004, reports Canada Mortgage and Housing Corporation (CMHC).
"Consumer confidence remains high while mortgage rates remain low by historical standards", said Bob Dugan, Chief Economist at CMHC. "These factors, combined with accelerated economic growth and continued job creation will contribute to the continued strong performance of the housing market this year.
A better balance between listings and sales in the existing home market will reduce spill-over demand to the new home market. Gradually rising mortgage rates in the latter half of 2004 will also ease the pace of new home construction, particularly in 2005 when starts are expected to reach 191,800 units."
"Resale activity is expected to be below last year's record pace, in part due to rising house prices. As sales edge lower, relative to new listings coming on the market, growth in house prices will moderate from the pace seen in 2002 and 2003. Nationally, the average price of existing homes
will increase by 4.7 per cent this year and 3.2 per cent in 2005."
Expectations for 2004 remain high in Ontario, where residential construction peaked in 2003, but starts will drop slightly from last year's level to 78,000 units. Levels will continue to drop through to 2005, in part due to fewer people moving to Ontario from other provinces. Multiple family
home starts are expected to decline slightly to 35,000 units in 2004 but still record the second highest level in 14 years.(Source: OREA's March 2004 issue of Queen's Park Plus).
The first step is figuring out what kind of house you need. A good buy is only a good buy if it meets your current and future living requirements. Before shopping for a home, decide how much space you and your family require. How many bedrooms, bathrooms? Is a family room necessary? Do you need a layout that will accommodate a lot of entertaining? Do you prefer a spacious or compact work space in the kitchen? If you have small children, can the house easily be childproofed?
Evaluate the front and back yards. Is there enough space to accommodate your children? Do you want a park-like or garden setting? Do you enjoy yard work and gardening, or do you want a low-maintenance yard? Take into consideration the cost of extensive landscaping and upkeep.
Next, determine how much work is required to make the house you are considering livable. Make an honest assessment of your fix-it abilities. How much work are you willing to do or pay someone else to do? Do you have basic decorating, carpentry and plumbing skills? If you plan to learn as you go, make sure you have accurately determined what you are getting into. Ask an experienced friend, family member or your real estate agent for their opinion, and be sure to consider how much remodeling inconvenience the rest of the family can handle.
Unless you are ready and able to tackle a major remodel, look for a house or condominium that needs only cosmetic improvements. These include painting, wallpapering and replacing items like flooring, window treatments, bathroom and kitchen fixtures, light fixtures, cabinet and interior door hardware and appliances. Remember that even these simple changes can be costly if you have to make many of them.
Beware of improvements that seem easy enough at first glance buy may turn into major headaches and require a lot of money once you’ve moved in. Remodeled kitchens and bathrooms, changes to the floor plan, room additions and redesigned landscaping are examples of seemingly minor changes that can easily eat away the money you thought you saved by selecting a so-called “bargain priced” home. Of course, you may be perfectly willing to spend whatever money is needed to customize the house to match your tastes and needs.
Make sure major systems in the house are in good working condition. The furnace, air-conditioning and plumbing should be up to date, since repairs can be costly. Your agent can arrange to have a professional inspector determine whether the electrical wiring and any room additions are to code. Local utilities often offer free or low-cost inspections to tell you if the house is energy-efficient.
Look for a house with universally popular selling points. If you’re impressed, the next buyer down the line is bound to be, too. For example, a roomy, modern east-to-clean kitchen is the best selling point a home can have. A house with only one bathroom is less desirable than a house with two or more. Many buyers expect at least three bedrooms, with a master bedroom that offers a feeling of privacy. Lots of storage space and closets, especially walk-in closets, will be a real selling point. Family rooms or “great rooms” also are desirable. On closer examination, a house that looks like a bargain may lack some of these key features.
Don’t forget the old adage: location, location, location. Unless you’re looking for a fixer-upper, the house should be in a condition that is comparable to other homes in the neighborhood. Avoid buying the biggest or fanciest home on the block. Consider the amount of traffic or noise. Homes located in a quiet area away from a busy street will command a higher price. Make sure the schools in your district have a reputation for quality education and safety. Nearby supermarkets, gas stations, restaurants and theaters also will make a location more desirable.
Good community facilities also add appeal; pools, athletic fields, community centers, libraries and hospitals all add to a neighborhood’s value and desirability. Transportation needs also should be considered. Is local public transit available? How long are typical commutes to places of current and potential employment? Are there several alternate route? How close is a major airport? All of these can affect a home’s pricing.
Consider the cost of living in a home. It’s important to consider not only purchase price but the monthly cost of living in a home. Estimate your utility and maintenance costs. For example, will the house need to be painted on a regular basis and will you need to spend money maintaining a swimming pool? Ask your agent about the property tax rate and whether increases are anticipated. Will you have to pay special assessments for a homeowner’s association? Consider the point in the life cycle of major household systems, such as the furnace, air conditioning, roof and kitchen appliances.
You can find a bargain! Your first step should be to seek out a knowledgeable real estate agent with experience in the market areas where you wish to purchase a home. Your agent can help you locate those properties that truly are “bargains” and help find the home that most closely matches your desires and needs.