Max Ortoli, Sales Representative - 416.970.0352 - Email Me - Nikki Lobello, Sales Representative - 416.553.2008 - Email Me - Giancarlo Randazzo, Sales Representative    

       

 

 

 

 

 

Get Pre-Approved

Get Pre-ApprovedMost mortgage lenders take the guesswork out of applying for a loan by figuring out for you the amount you can afford to borrow. Then, they give you a printed document stating the maximum mortgage amount you qualify for based on your particular finances and income. Mortgage pre-approval establishes your price range and strengthens your buying position by letting the Seller know that you have already been approved for the loan. It can also ease time constraints once the purchase agreement in signed between Buyer and Seller.

 

Consider these Scenarios:

You're out looking at homes. Your Real Estate Broker never mentions that you should get pre-approved and just ballparks what you can afford. Of course, the more house he shows you, the better he usually comes out. You find the perfect house and work out a deal with the Seller. Three weeks later, the lender informs you that the house is $10,000 over what you qualify for and does not approve your loan. The Seller has already bought another house. You've given notice where you're renting and told all your friends about the great house you bought. Then, there's the money you've already spent on inspections on a house you can't own.

You and your REALTOR® have been working diligently finding that "perfect" home. A new listing comes on the market that's priced right and has everything you've been looking for. You write an offer. Your REALTOR® takes it to the listing REALTOR® and is informed that another offer is coming in and will have to present both offers simultaneously to the Seller. The other Buyer is pre-approved for his loan. Whose offer do you think the Seller will negotiate first?

Should You Get Pre-Approved for a Loan First? Most Definitely! For more information on getting pre-approved let me know.

 

  

 

 

 

MAX ORTOLI, Sales Representative

Prior to joining Homelife/Romano Realty Ltd., Brokerage, Max was a telecom analyst from 1993-2007 with Fortune 500 Companies, Invesco and PWC.

In 2007 Max began his full time real estate career. His goal is to add value and an enriching experience for both himself and his clients when buying or selling Real Estate. Having bought and sold several investment properties, Max has first-hand knowledge on the dynamics of working with investment properties as well as the intricacies of renovating homes. Max looks to serve clients with unsurpassed professionalism; as a result he has received a Certificate of Achievement award annually for his accomplishments. These awards exemplify Max’s strong personal commitment to Knowledge, Respect and Results for his clients and his career.

 

 

NIKKI LOBELLO, Sales Representative

Nikki Lobello received a Double Honours Bachelor Degree in French and Italian Studies from York University in 1999.

Prior to joining Homelife/Romano Realty Ltd., Brokerage, Nikki worked in the structured environment of the financial industry for 8 years. Having worked in the customer service sector her poise and perseverance left a lasting impression on those who worked with her and supervised her.

Nikki’s professionalism, warmth and approachability have made her an award winning Real Estate Salesperson. Her motivation and determination to succeed in this field have garnered her and her client’s successful results. Continuously seeking to improve her knowledge and skills, Nikki has completed the HomeLife University Education and Marketing Course and the SRES Designation (Seniors Real Estate Specialist). Her ability to connect, understand and surpass her client’s needs and expectations is an invaluable asset for all her clients.

 

 

GIANCARLO RANDAZZO, Sales Representative

Having earned a Bachelor of Arts in Philosophy with designations in Applied and Practical Ethics with an emphasis on business transactions in concert with a wealth of experience in customer and client-oriented services in the construction, hospitality, academic, and financial sectors, Giancarlo is committed and passionate about sustaining open and transparent relationships with an attention to detail in order to help others be more successful in navigating the real estate industry.

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