Saturday 7 September 2013

11 Fattest Lies About the Real Estate Industry




 
 
 

1. A referral is the best way to get a Realtor

 

Simply trusting that a Realtor has your best interests at heart can lead to disappointment. Your needs are unique. Qualify all Realtors to ensure they are competent and motivated to properly represent you.

 

2. Pay off your mortgage quickly

 

If you reduce your payment or simply pay interest only (secure line of credit) and invest the savings into a compounding interest account, your savings will be much higher than the value of your original mortgage.

 

3. You don’t qualify for a mortgage

 

Regardless of your credit or income, anyone can purchase a house. Options such as joint ventures, vendor financing, second mortgages, and many more, provide endless opportunities.

 

4. When to buy real estate

 

If the papers say that a city is booming, everyone wants to buy. Therefore, this is the perfect time to sell. When everybody is selling because of a recession, then you buy while prices are rock bottom.

 

5. Its all about price

 

Negotiating mainly on the price of a property will limit your opportunity. If you can offer more favorable terms to the other party, then the price will become secondary.

 

6. "#1 Agent": Someone is lying

 

Every agent seems to advertise that they are #1. You may not be getting the whole story (ex. 5 agents working under one name). Be careful of what you believe, as the criteria of measurement may lack relevance, or be severely outdated.

 

7. More experience the better

 

If a Realtor has not kept up to date with the changing technology, regulations, market conditions, or modern service style, then all their past experience won’t help you be properly represented.

 

8. Super agents

 

If an agent works alone, be careful. It is impossible for someone to be accessible at all times. Your business may be handled by a Realtor you have never met until your Realtor is available.

 

9. Every agent in a brokerage is the same

 

Realtors choose their own methods of customer service and business practices within their brokerage. Only very basic standards are in place, therefore, don’t assume one agent is the same as the next.

 

10. Calling signs is the best way to find a property

 

A Realtor selling a property cannot represent their seller’s best interests and yours at the same time. This is a conflict of interest. Save yourself potentially thousands and find your own Realtor.

 

11. Banks are the best financing source

 

Banks have different mortgage options, but can only ever provide you with their rates. A mortgage broker works with most major banks, has way more options and tons of different lenders’ interest rates. Plus, they can work to fit your schedule.

This article has been written by Lindsey Smith of the Entyro Service Group in Calgary AB

Aug. 2013 Real Estate Sales

Aug. Sales

http://bbemaildelivery.com/bbext/?p=land&id=E5B2F0DC68F58F8EE0408F0AAB975397&vid=0ebd58d8-a2e5-9670-4978-e1235a53da9b

Wednesday 4 September 2013

Step By Step Guide to Buying



Step 1 - Get Educated

 

It is so important to get educated on the real estate process and industry. We are talking about one of the biggest investments of most people’s lives; a little time to empower yourself will go a very long way. There are several resources you can turn to for information.

 

The Internet - The internet is truly the information super highway. If it isn’t on the internet, it probably doesn’t exist . . . yet.

 

Libraries or Bookstores - There are thousands of books written on real estate. If you are still hungry for knowledge, stop by your local library or favorite bookstore. Try to stick to something that is pertaining to the country or area you reside in, as the laws and procedures can be dramatically different.

 

Book a Meeting with your Realtor – It is so important that you understand how the current real estate market will affect your particular situation.

 

Step 2 – Initial Meeting or Consultation

 

After selecting your agent, you will want to schedule a sit down meeting. At this time you can officially meet (if you haven’t already).

 

You don’t want to skip this step. It will be virtually impossible to properly represent you without having actually sat down to discuss things, as they fit your unique situation. The real estate market is constantly changing and you must be aware of where you stand. Once you have assessed your situation, this is where you will express your goals and determine an appropriate action plan so you can confidently move forward.

 

Step 3 - Determine How I Will Pay

 

There is nothing but options when it comes to financing, but you should have a good idea of how you will purchase your next home before you get too committed to looking. There are three main sources of financing.

 

Traditional Banks – If you already have a great rapport with your current bank, this is a good option. Usually you will be able to get pretty good terms on your mortgage.

 

Mortgage Brokers – They have the most options. They can use most of the major banks, plus many other lenders. They will be your best bet to truly finding the best option for your particular situation.

 

Creative Financing­ – The options here are endless and are great for investing, or if you cannot access a mortgage through the banks or mortgage brokers.

 

 

Step 4 - Start the Search

 

Now this is when most of the excitement really starts to happen. You already know the type of home you’re looking for and the price you can afford. A property search will have to be set up to notify you (typically via email) when a new property enters the market that matches your criteria. Once you have identified some potential properties, it’s time to hit the pavement.

 

This is where you really want to keep the goal you set during the initial meeting top of mind; it will make this process a whole lot easier, not to mention less stressful. During your showings, if you visit a property that isn’t inline with your goal, it is easy just to erase it from your mind. However, if it is inline, you can easily add it to your shortlist or even write an offer. Quickly identifying a property which is inline with your goal will save you the headache of viewing hundreds of homes and getting discouraged.

 

Step 5 - Write the Offer

 

Once you have found a home that will suit your needs, the next step is to prepare and present an offer. There are several steps that have to be taken when you write your offer.

 

Property Research – This is where you investigate the selling history of the home and also where the price is relative to the market. To do this, an assessment of the current homes on the market and properties which have recently sold will have to be done. This is where you will get most of your fire power for determining your offer price.

 

Terms - Terms are the clauses that make up the contract. These are the items that are agreed to and will be upheld, otherwise there is a breach of contract. In addition to the standard terms that will be reviewed with you when preparing the offer, you can add in whatever else you need to, however, these are open for negotiation.

 

Conditions – Conditions, on the other hand, are clauses in the contract that must be fulfilled in order for the transaction to even proceed forward. Typical conditions are for a home inspection, or for the buyer to be approved for financing. The buyer or seller is then given a few days to fulfill the conditions (typically 7 to 10). This is what it is meant by a property status that is listed as pending (P) or conditionally sold (C/S). If something happens where either the buyer or seller are not satisfied with the results of their trying to satisfy their conditions, then they may walk away from the contract at no cost and with no further obligation (deposit cheques are returned). Conditions are most commonly for the buyer, but you may have a seller’s condition as well.

 

Deposits - In order to write an offer, you will need a cheque and some available money for a deposit. This is initially a show of good faith in a transaction and is fully refundable if the conditions on the purchase are not removed. After the conditions are satisfied and removed in writing, the deposit becomes the seller’s security that you will complete the purchase (non refundable).

 

Price - There are only two things that are negotiable in a real estate transaction, price and terms. Once you know what terms and conditions you would like on the contract, and have completed your property research, you can now effectively determine the appropriate offer price.

 

The offer price will be determined based on all the variables affecting this specific property. What terms do we need? How many offers are there? How long has the property been on the market? And many, many more. We will not be discussing negotiating strategy here, but remember this: What unique way can we meet the seller’s needs and still achieve our goals. This isn’t always strictly involving price.

 

The Offer Presentation and Acceptance Procedure - After the offer is written and signed, it is the Realtor’s job to present the offer to the seller. This will typically happen one of two ways.

 

First, if the seller is available, the offer can be presented in person or directly to the owner of the home. The listing Realtor will be there to represent their client, however this is a good opportunity to meet the seller and present your case in person (much more intimate and effective).

 

An alternative method is by faxing the offer. This means that you will need to be accessible by phone for negotiations to occur. Once a counter offer is received, or the offer is accepted, all parties will now need to sign the documents.

 

Step 6 - Satisfy Conditions

 

Once the offer is accepted, it is time to proceed with satisfying your conditions. This process usually involves arranging and performing a home inspection, getting all your personal information and the property information to your mortgage broker or bank, or simply doing research to gather whatever information is required. As Realtors, we play a huge role in gathering this information and making the necessary arrangements to ensure the process continues to run smoothly.

 

After the necessary information is verified, a decision to proceed (or not) is made, and the appropriate written notice is provided to the seller and their agent. Once the conditions are removed, the sale is considered "firm" and the property will be marked "sold" for advertising purposes (changed from C/S or Pending to Sold).

 

Step 7 - Preparing for Possession

 

Typical possessions are 30 - 60 days, however they may be quicker. . . much quicker. Get the following items completed as fast as possible, as this will alleviate a large amount of stress.

 

Lawyers - You may have already chosen your lawyer at this point, however if you haven’t, it is now mandatory that we know who will be handling the transaction. Once you have a lawyer chosen, they will need all the required paperwork prior to you meeting with them. This is usually handled by your Realtor to ensure they get absolutely everything they need. You will be meeting with the lawyer about a week before you take possession and will need to provide your insurance information, the balance of your down payment, payment of fees, payment of any adjustments or taxes, sign documents, and finalize anything else that is required before you own the home.

 

Down Payment - If your down payment is not readily available, make the necessary arrangements to obtain it. You may need to transfer money, cash in bonds/stocks, or move money in another way. It is important to note that liquidating certain assets can take upwards of 30 days, be sure to consult your Bank or Mortgage Broker about this.

 

Movers - If you are using professional movers, book early. Possession dates commonly fall on the 1st, 30th, or 15th of the month. Movers fill up their schedule very fast, so call ahead and make the arrangements early.

 

Insurance - When you actually meet with the lawyer they will ask to see a copy of your insurance, as it is a requirement of the mortgage. No insurance, no money. This step usually involves a simple phone call and/ or a lengthy survey. Have a copy of the listing available with all of the specifications of the home on it. Be prepared to answer questions regarding the age of the house, furnace, electrical system and roof, as well as general questions regarding square footage and the features.

 

Utilities - When you take possession of your new home it is very important to change your utilities over to your address in advance. This includes your phone, cable, internet, power, water, and gas services. Also, don’t forget to cancel the utilities at your previous residence.

 

Mailing Address - This is the least favorite of all the steps, but it is a necessary evil. Gather all of your bills, statements, tax information, healthcare information, anything you make automatic payments on, any subscriptions, any clubs or organizations in which you belong, etc. Sit down and make a big list of these things early, because you will forget at least three. . . guaranteed. Then pick up the phone and begin giving out your new mailing address and the date you will be taking possession or moving in. You might also want to have your mail forwarded, through the post office, for anything you may have missed.

 

 

Step 8 - Possession Day

 

Typically, possession happens at 12:00pm on the agreed upon day. The seller’s lawyer will contact your REALTOR® to notify them when keys can be released to you and to provide you with permission to access the property. From time to time, your REALTOR® can negotiate (at the offer stage) to have a walk-through of the property completed a few hours before, or the day prior to possession. If you and your REALTOR® discover any problems during the possession, these are communicated to the lawyer who will then advise on the next best course of action. It is good practice to not schedule your entire move at 12:00pm on the possession day as small delays are not uncommon.

 

This day can be very exciting and very stressful, so proper planning of your move well in advance is critical. Congratulations, you are officially the owner of a new home!

 

 

Step 9 - Follow Up

 

After you take possession, the transaction is complete. But, questions may still arise after the fact. Who should I contact about this? Or what should I do about that? After a few days in the property you will receive a follow up call to ensure things are in order. Write down your questions so you will be prepared for the follow up call.

 

 

This article has been written by Lindsey Smith of the Entyro Service Group in Calgary AB

Comprehensive Service

"I pride myself on providing the most comprehensive service in town!"


Wherever you roam, I'll find you a home... of your dreams, of course! Whether you're ready to make your move across town or anywhere in the world, I will provide you with professional, comprehensive services to ease the transition into your new community.



I am qualified to handle all of your real estate needs and make your move a pleasant experience. Whether you are selling your home or buying a new one, my personal service philosophy is to take care of all the little details of your transaction, so you are relaxed and understand the entire process.



Due to my empathetic, diligent service style, your home will be sold in a timely manner and at a premium price.
When you're in the market to buy a new home, I will personally escort you to a variety of homes in your areas of choice and priced in the range in which you feel most comfortable.



Tuesday 16 July 2013

Great link on home based business

http://rayhigdon.com/number-one-reason-i-love-home-based-businesses/

Alberta’s Largest Real Estate Brokerage Expands into Red Deer



MEDIA RELEASE 



Alberta’s Largest Real Estate Brokerage Expands into Red Deer
Calgary based real estate company CIR REALTY has expanded to join the Central Alberta Real Estate Association (CARA) and has opened a corporate office in Red Deer, Alberta. The CIR REALTY Red Deer office will join 4 Calgary based corporate offices and 12 surrounding area "satellite" offices and will allow the independently run brokerage to extend their service offering throughout Central Alberta.

The office, which is located at #102 - 4730 Ross St. in the heart of downtown Red Deer, is fully operational and currently being run by Red Deer’s own John Frère Realty Team.

"CIR REALTY has innovation and education second to none. The nine person non-competing management team at CIR also offers a level of support and expertise that is unprecedented in our area," says Dorian Frère of the John Frère Realty Team

"Our clients benefit from our increased knowledge and the expansive network and marketing that both LeadingRE (the international real estate network CIR REALTY belongs to) and our new luxury division, Luxury Portfolio, provides," she says.

John Frère is confident the CIR REALTY Red Deer Office with its CIR agents as local experts will become a market leader in Red Deer and surrounding districts.

"We know that CIR REALTY will become a leader in the Red Deer area, just like in every other market they have entered, REALTORS® love to work in a culture of learning and excellence," says Frère. Ron Stader, the Broker Owner and President of CIR REALTY says the move into a new Alberta market will give more REALTORS® the opportunity to grow their business and provide a great real estate experience for their clients. "We know that the support, innovation and culture that CIR REALTY brings to our REALTORS® directly impacts the service that they can give their clients," Stader says. "CIR REALTY has had proven success in the real estate industry in Calgary and area for 30 years and we are excited to continue that success in Red Deer," he says. CIR REALTY is Alberta’s largest independent real estate brokerage with over 620 REALTORS® spread over 5 corporate and 12 satellite offices spread across Central Alberta. According to the 2013 Real Trends Canadian 250 Report, based on total transaction ends for 2012 CIR REALTY was the #1 producing brokerage in Calgary and area and #17 overall out of the top 250 real estate brokerages in the country. CIR REALTY is family owned and operated and has remained independent since its creation in 1983.

For more information on CIR REALTY and for contact information for the CIR REALTY Red Deer office visit www.cirrealty.ca or contact the Red Deer office directly at 403-358-3883. Ends.

Thursday 4 July 2013

City of Calgary on Contractor Fraud

The responsibility is yours.

Calling 3-1-1 to confirm a contractor is licensed is a good

first step to help protect you from bad business practices,

but having a valid business licence does not guarantee

quality of work or the business operator’s ethics.

There are many other things you can do to guard against

contractor fraud, such as insisting on written estimates

and receipts. Here are some suggested resources:

Service Alberta “Home Renovations” Consumer Tip

Sheet at www.servicealberta.ca or 1-877-427-4088.



Alberta Seniors and Community Supports “If in Doubt,

Check it Out” fraud awareness tips and tools at

www.seniors.gov.ab.ca or 1-800-642-3853.



Canadian Home Builders’ Association website at

www.HiringAContractor.com.


Canadian Home Builders’ Association – Calgary Region

“RenoMark™” program at

www.renomark.ca or www.crhba.com.



Alberta Community Crime Prevention Association

“Heads Up Fraud Prevention Program” at

www.heads-up.ca.


BBB Serving Southern Alberta “Hiring a Contractor” tips

at calgary.bbb.org or 403-517-4222.




Report fraudulent activity.


If a fraud occurs, report it to the Calgary Police Service at

266-1234. Please also notify 3-1-1 so The City’s business

licence inspectors can take the appropriate action.


Friday 17 May 2013

Calgary and area stats updates

May 1 - 16, 2013
                                                                  2013                      2012
City of Calgary

Total Sales                                               1,340                      1,244
New Listings                                            2,115                      2,123
Active Listings (Inventory)                      4,791                     5,679
Median Price                                      $403,500                $388,750
Average Price                                     $460,084               $447,378
Sales to New Listings Ratio                   63.36%                  58.60%
Sales Price to Listings Price Ratio         97.94%                 97.50%
Total Sales at or above List Price                218                       154
Total Sales at List Price                                 78                         56
Avg. amount paid over list price            $7,061                   $7,075
Max. amount paid over list price         $150,000                $53,000

City of Calgary - Single Family
Total Sales                                                    912                       897
New Listings                                              1,511                   1,477
Active Listings (Inventory)                        3,345                   3,748
Median Price                                        $459,950              $431,000
Average Price                                       $520,923              $505,903
Sales to New Listings Ratio                    60.36%                60.73%
Sales Price to Listings Price Ratio          98.01%                 97.50%
Total Sales at or above List Price                 158                       125
Total Sales at List Price                                  50                         43
Avg. amount paid over list price             $8,559                   $7,769
Max. amount paid over list price         $150,000                 $53,000

City of Calgary - Condo Apartment
Total Sales                                                    230                        197
New Listings                                                358                         373
Active Listings (Inventory)                          919                      1,246
Median Price                                        $275,750                $250,100
Average Price                                       $322,552                $273,674
Sales to New Listings Ratio                      64.25%                 52.82%
Sales Price to Listings Price Ratio            97.48%                 96.93%
Total Sales at or above List Price                     25                         13
Total Sales at List Price                                    16                           5
Avg. amount paid over list price               $1,904                   $2,230
Max. amount paid over list price             $13,100                   $7,800

City of Calgary - Condo Townhouse
Total Sales                                                      198                        150
New Listings                                                   245                        273
Active Listings (Inventory)                             527                        685
Median Price                                          $308,250               $281,250
Average Price                                        $339,618                $325,529
Sales to New Listings Ratio                       80.82%                 54.95%

CAT WHO SWALLOWED THE CANARY


Wednesday 8 May 2013

How Mortgage Rates are Set By Idriss Bouhmouch

How mortgage rates are set
AdviceMay 7, 2013
By Idriss Bouhmouch

It’s easy to say that mortgage rates are “affected by economic factors,” or more specifically “bond yields” or “the Bank of Canada”, but are you really getting an understanding with those answers? If so, you may understand economics better than most Canadians. But if the responses above present more questions than answers, we will try our best to break it down for you here.
First off, there are two types of mortgage rates: variable and fixed. Both are indeed driven by similar economic factors, but they are affected by different factors too.
Variable mortgage rates, as they sound, vary and fluctuate with what is known as the prime lending rate. This rate is set by the Bank of Canada based on its interpretation of the state of the economy and inflation targets. When the prime rate goes up, variable mortgage rates go up, and vice versa. This is why variable mortgage holders take on a bit more risk over the term of their mortgage and should watch the Bank of Canada announcements.
Fixed mortgage rates, where the interest rate is fixed over the course of the mortgage term, are a little more complicated – they shadow Government of Canada bond yields of the same term. In fact, there is a very positive correlation between the two.
Bond yields are determined by the price of bonds and have an inverse relationship with them. For example, if a five-year bond falls in price, this means the yield (return for investors) goes up. Similarly, if the price increases, the yield falls.
Bonds are like safe havens for investors: they offer guaranteed repayment on funds the investor loans to the issuer (in this case, the government) after the term of the bond has passed (plus a set rate of interest known as the coupon). When the economy is booming and the market is good, big returns can be had by investing in alternatives, and bond prices tend to fall so bond yields rise. When the market is bad, demand for safe money increases, so bond prices rise and yields fall.
Meanwhile, mortgages are funded through capital issues and often the bond market. The interest rate on a mortgage depends on the yield (return) the bank provides bond investors. When investors demand a higher yield, mortgages must also be issued at a higher fixed interest rate that is in line with the cost to the bank. The cost of borrowing for the bank to fund mortgages is essentially the percentage yield paid to investors of the bond.
The second factor influencing fixed mortgage rates will be the spread required by financial institutions, on top of the bond yields. Three main components influence this spread: the cost of trades and transactions of the loan, a risk premium (in the case of default payment) and finally the profit margin that the financial institution desires.
We could summarize that for the duration of a loan, fixed mortgage rates are determined on the following basis: cost of capital + administration costs and/or mortgage negotiations + risk premium (in the risk of the borrower defaulting on the mortgage) + the bank’s desired profit = cost of the mortgage for the borrower.
In short, if you are trying to predict where fixed mortgage rates are headed, look to the bond market.
Overwhelmed?
This is a lot to take in, and it may not all make sense right away. But the introduction of these concepts hopefully provides a little more insight and trust in the mortgage process. As with all financial transactions, mortgages are driven by supply and demand, and underlying economic factors.
Idriss Bouhmouch is director of operations in Quebec for Ratehub.ca, a mortgage rate comparison website. The company says mortgage information should be presented in a transparent, easy-to-understand, and complete manner.

Monday 6 May 2013

SINGLE FAMILY PRICES REACH A NEW HIGH

CALGARY REGIONAL HOUSING MARKET STATISTICS4.13
SINGLE FAMILY PRICES REACH A NEW HIGH

Sellers' market conditions push up prices across all categories
CREB

Calgary, May 1, 2013 –The benchmark price of single-
family homes reached a new high of $452,900 in April, as
market conditions that favour the seller finally drove prices
above the unadjusted peak in 2007.

“It’s really encouraging to see that the Calgary market
remains strong,” said Becky Walters, CREB® President. “It’s
reassuring to both buyers and sellers to see that this area
is outperforming many parts of the country.”

Single-family sales totaled 1,611 in April, nearly two per cent
higher than the previous year, but year-to-date figures are
similar to levels recorded in 2012. Sales growth in the first
part of the year was stifled by a shortage of new listings
and inventory. However, the year-over-year increase in
new listings of 5.4 per cent helped support sales growth in
April.

“Declining selection in the lower price range and market
conditions that favour the seller in the overall single-family
market has resulted in a boost in demand in the
condominium market and surrounding towns,” said CREB®
Chief Economist Ann-Marie Lurie. “Inventory levels
declined across all of these segments. However,
surrounding towns remain in balanced territory, as they
experienced the effect of previously elevated inventory
levels.”

After the first four months of the year, condominium
apartment sales totalled 1,259 units, an 11 per cent increase
over the previous year. Sales growth outpaced the
number of new listings, causing inventory levels to decline
to 871 units. This pushed the market into sellers’ territory.

Wednesday 1 May 2013

CREB Residential Stats - April 2013

http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013_April.pdf

2013 REAL Trends Canadian 250 Ranking by Transaction Ends

2013 REAL Trends Canadian 250 Ranking by Transaction Ends

Check out #17

RANK Company City Province

1  Sutton Group - West Coast Realty  Vancouver  BC
2  RE/MAX Realtron Realty Inc.  Markham  ON
3  Royal LePage Real Estate Services Ltd.  Toronto  ON
4  RE/MAX Real Estate  Edmonton  AB
5  Royal LePage Your Community Realty  Richmond Hill  ON
6  Right At Home Realty Inc. Brokerage  Toronto  ON
7  RE/MAX Twin City Realty Inc.  Kitchener  ON
8  RE/MAX Real Estate Centre Inc.  Cambridge  ON
9  Royal LePage Team Realty & Royal LePage Gale Real Estate  Ottawa  ON
10  Royal LePage ProAlliance Realty, Brokerage  Belleville  ON
11  RE/MAX Escarpment Realty Inc.  Hamilton  ON
12  RE/MAX Hallmark Realty Ltd.  Toronto  ON
13  Royal Pacific Realty Group  Vancouver  BC
14  RE/MAX Metro Realty  Vancouver  BC
15  RE/MAX Crest Realty  North Vancouver  BC
16  Royal LePage Niagara Real Estate Centre / Four Seasons Real Estate Centre  St. Catharines  ON
17  CIR Realty  Calgary  AB
18  RE/MAX Real Estate (Central)  Calgary  AB
19  RE/MAX Saskatoon   Saskatoon  SK
20  Royal LePage Performance Realty  Ottawa  ON
21  Royal LePage RCR Realty & Royal LePage York North Realty  Orangeville  ON
22  RE/MAX Realty Specialists Inc.  Mississauga  ON
23  Royal LePage Atlantic - NS  Halifax  NS
24  Keller Williams Ottawa Realty  Ottawa  ON
25  Royal LePage State Realty  Stoney Creek  ON
26  RE/MAX 2000 Realty   Surrey  BC
27  Macdonald Realty Ltd.   Vancouver  BC
28  RE/MAX House of Real Estate  Calgary  AB
29  RE/MAX Royal (Jordan) Inc.  Beaconsfield  QC
30  RE/MAX Metro-City Realty Ltd.  Ottawa  ON
31  Royal LePage Foothills  Calgary  AB
32  Homelife Landmark Realty Inc.  Markham  ON
33  RE/MAX West Realty Inc.  Toronto  ON
34  RE/MAX Du Cartier Inc.  Montreal  QC
35  RE/MAX Preferred Realty Ltd.  Windsor  ON
36  Coldwell Banker Terrequity Realty, Brokerage  Toronto                         ON
37  RE/MAX Garden City Realty Inc.  St. Catharines  ON
38  RE/MAX Alliance Inc.  Montreal  QC
39  RE/MAX 1er Choix Inc.  Québec  QC
40  Royal LePage Triland Realty  London  ON
41  RE/MAX Nyda Realty  Chilliwack  BC
42  RE/MAX Select Properties  Vancouver  BC
43  Royal LePage Noralta Real Estate Inc.  Edmonton  AB
44  RE/MAX Performance Realty  Winnipeg  MB
45  Prudential Sussex Realty  North Vancouver  BC
46  RE/MAX Camosun  Victoria  BC
47  RE/MAX Realty Professionals  Calgary  AB
48  RE/MAX Platine  Brossard  QC
49  RE/MAX Professionals  Winnipeg  MB
50  RE/MAX Real Estate (Mountain View)  Calgary  AB
51  RE/MAX Chay Realty Inc.  Barrie  ON
52  RE/MAX Executives Realty  Winnipeg  MB
53  RE/MAX Crown Real Estate   Regina  SK
54  RE/MAX Des Mille-Iles Inc.  Terrebonne  QC
55  RE/MAX Elite  Edmonton  AB
56  CENTURY 21 Dome Realty Inc.  Regina  SK
57  RE/MAX Accès  Ste-Foy  QC
58  RE/MAX Premier Inc.  Vaughan  ON
59  RE/MAX T.M.S. Y.D., Real Estate Agency  Sainte Thérèse  QC
60  RE/MAX Kelowna  Kelowna  BC
61  RE/MAX 2000 Inc.  Laval-Des-Rapides  QC
62  RE/MAX D'Abord Inc.  Sherbrooke  QC
63  Better Homes And Gardens Real Estate Signature Service  Mississauga  ON
64  RE/MAX Aboutowne Realty Corp  Oakville  ON
65  RE/MAX Signature Inc.  Boucherville  QC
66  Pemberton Holmes Ltd.  Victoria  BC
67  Royal LePage Dynamic Real Estate  Winnipeg  MB
68  RE/MAX Crown Realty (1989) Inc.  Sudbury  ON
69  RE/MAX de Francheville Inc.  Trois Rivières  QC
70  RE/MAX Vision (1990) Inc.  Gatineau  QC
71  RE/MAX Realty Services Inc.  Brampton  ON
72  RE/MAX 2000 Realty Inc.  Toronto  ON
73  CENTURY 21 B.J. Roth Realty Ltd.  Barrie  ON
74  RE/MAX Landan Real Estate  Calgary  AB
75  RE/MAX Grande Prairie   Grande Prairie  AB
76  CENTURY 21 First Canadian Corp.  London  ON
77  RE/MAX Eastern Realty Inc.  Peterborough  ON
78  RE/MAX Rouge River Realty Ltd.  Toronto  ON
79  RE/MAX River City  Edmonton  AB
80  RE/MAX Advantage  Sherwood Park  AB
81  RE/MAX Little Oak Realty  Abbotsford  BC
82  CENTURY 21 Fusion  Saskatoon  SK
83  Realty Executives Polaris  Edmonton  AB
84  RE/MAX Centre City Realty Inc.  London  ON
85  RLK Realty Ltd. O/A Royal LePage Kelowna  Kelowna  BC
85  RE/MAX 2001 Inc.  Laval  QC
87  Royal LePage Meadowtowne Realty  Mississauga  ON
88  Sutton Group - Select Realty Inc.  London  ON
89  RE/MAX of Nanaimo  Nanaimo  BC
90  RE/MAX Avantages Inc.  Charny  QC
91  RE/MAX Crossroads Realty Inc.  Toronto  ON
92  RE/MAX First  Calgary  AB
93  RE/MAX Professionnel Inc.  Granby  QC
94  RE/MAX Action Realty (1991) Inc.  Fort St. John  BC
95  RE/MAX All-Stars Realty Inc.  Markham  ON
96  Royal LePage Coronation West Realty  Coquitlam  BC
97  RE/MAX Professionals Inc.  Toronto  ON
98  Keller Williams Energy Real Estate  Whitby  ON
99  Coldwell Banker Case Realty, Brokerage  Toronto  ON
100  RE/MAX Imagine Inc.  Longueuil  QC
101  CENTURY 21 Bamber Realty Ltd.  Calgary  AB
102  CENTURY 21 People's Choice Realty  Toronto  ON
103  RE/MAX Référence 2000  Québec  QC
104  RE/MAX First Realty Ltd.  Pickering  ON
105  RE/MAX Jazz Inc.  Oshawa  ON
106  RE/MAX Real Estate  St. Albert  AB
107  RE/MAX Real Estate Central Alberta  Red Deer  AB
108  RE/MAX Fortin Delage Inc.  Ste-Foy  QC
109  RE/MAX Excellence  Edmonton  AB
110  RE/MAX Ultimate Realty Inc.  Toronto  ON
111  RE/MAX Condos Plus Corporation  Toronto  ON
112  Royal LePage Wolstencroft Realty  Langley  BC
113  RE/MAX Performance Realty Inc.  Mississauga  ON
114  Royal LePage Solutions  Calgary  AB
114  RE/MAX Avant Tout Inc.  Rimouski  QC
116  RE/MAX Realty Concepts Corp.  Kingston  ON
117  RE/MAX Vernon  Vernon  BC
118  RE/MAX Quinte Ltd.  Belleville  ON
119  RE/MAX Capitale  Québec  QC
120  Maxwell Canyon Creek  Calgary  AB
121  Coldwell Banker Horizon Realty  Kelowna  BC
122  RE/MAX Centre City Realty  Prince George  BC
123  Royal LePage Coast Capital Realty  Victoria  BC
124  EXIT Realty Advantage  Fredericton  NB
125  RE/MAX Ability Real Estate Ltd.  Courtice  ON
126  EXIT Realty Metro  Halifax  NS
127  EXIT Realty on the Rock  St. John's  NL
128  RE/MAX Lifestyles Realty  Maple Ridge  BC
129  RE/MAX Nova  Halifax  NS
130  RE/MAX Sarnia Realty Inc.  Sarnia  ON
131  Keller Williams Realty   Bedford  NS
132  RE/MAX Realty Specialists Ltd.  St. John's  NF
133  Coldwell Banker Sarazen Realty, Brokerage  Ottawa  ON
134  RE/MAX Professionals Saint John Inc.  Saint John  NB
135  Keller Williams Advantage Realty  Toronto  ON
136  RE/MAX Ocean Pacific Realty  Comox  BC
137  EXIT Realty Associates  Moncton  NB
138  RE/MAX Colonial Pacific Realty  White Rock  BC
139  RE/MAX Vision Realty Inc.  Toronto  ON
140  RE/MAX Solid Gold Realty (II) Ltd.  Waterloo  ON
141  RE/MAX Real Estate Services  Vancouver  BC
142  Royal LePage Coronation Park  Surrey  BC
143  Royal LePage True North Realty  Fort McMurray  AB
144  Sutton Group - Quantum Realty Inc.  Mississauga  ON
145  RE/MAX North Country Realty Inc.  Huntsville  ON
146  RE/MAX Fort McMurray  Fort McMurray  AB
147  RE/MAX Realty One Inc.  Mississauga  ON
148  RE/MAX Realty Enterprises Inc.  Mississauga  ON
149  RE/MAX United Inc.  Mount Pearl  NF
150  RE/MAX Group Four Realty Ltd.  Fredericton  NB
151  RE/MAX Real Estate Centre  Edmonton  AB
152  RE/MAX Niagara Realty Ltd.  Niagara Falls  ON
153  RE/MAX Real Estate-Lethbridge  Lethbridge  AB
154  RE/MAX Legacy Realty Inc.  Mississauga  ON
155  RE/MAX All Points Realty Group  Coquitlam  BC
156  Royal LePage Grand Valley Realty  Cambridge  ON
157  RE/MAX Du Haut Richelieu Inc.  St. Jean  QC
158  RE/MAX Performance Inc.  Saint-Lambert  QC
159  Keller Williams VIP Realty  Ottawa  ON
160  Realty Executives Challenge  Edmonton  AB
161  Coldwell Banker R.M.R. Real Estate, Brokerage  Oshawa                          ON
162  RE/MAX Harmonie Inc.  Montreal  QC
163  Coldwell Banker Peter Benninger Realty, Brokerage  Kitchener                       ON
164  Keller Williams Golden Triangle Realty  Kitchener  ON
165  RE/MAX Georgian Bay Realty Ltd.  Midland  ON
166  RE/MAX Associates  Winnipeg  MB
167  RE/MAX Pembroke Realty Ltd.  Pembroke  ON
168  RE/MAX iRealty Innovations  Canmore  AB
169  Keller Williams Elite Realty  Port Coquitlam  BC
170  RE/MAX Affiliates Realty Ltd.  Ottawa  ON
171  Coldwell Banker First Ottawa Realty, Brokerage  Ottawa  ON
172  Coldwell Banker Preferred Real Estate  Winnipeg                        MB
173  Coldwell Banker Momentum Realty, Brokerage  St. Catharines                   ON
174  Royal LePage In The Comox Valley  Courtenay  BC
175  Sutton Group - Central Realty Inc.  Brampton  ON
176  Royal LePage Estate Realty  Toronto  ON
177  RE/MAX Grey Bruce Realty Inc.  Owen Sound  ON
178  Coldwell Banker Parker Realty  Charlottetown                   PE
179  RE/MAX Immo-Contact P.F. Inc.  Duvernay Laval  QC
180  Keller Williams Realty  Toronto  ON
181  RE/MAX Performance Realty  Delta  BC
182  RE/MAX De L'Avenir Inc.  St. Jerome  QC
183  Coldwell Banker Pinnacle Real Estate, Brokerage  Hamilton  ON
184  RE/MAX Accord  Edmonton  AB
185  RE/MAX First Choice Realty Ltd.  Thunder Bay  ON
186  RE/MAX A-B Realty Ltd.  Stratford  ON
186  Coldwell Banker Neumann Real Estate, Brokerage  Guelph                          ON
188  RE/MAX Cité Inc.  Montreal  QC
189  RE/MAX Advantage Realty Ltd.  London  ON
190  RE/MAX Plus Inc.  Chambly  QC
191  RE/MAX Bois Francs Inc.  Victoriaville  QC
192  RE/MAX of Lloydminster  Lloydminster  AB
193  RE/MAX Direct Inc.  Aylmer  QC
194  RE/MAX Active Realty Inc.  Mississauga  ON
195  RE/MAX Banner Real Estate  Middleton  NS
196  RE/MAX Quality Real Estate Inc.  Moncton  NB
197  RE/MAX Drummondville Inc.  Drummondville  QC
198  Coldwell Banker Coburn Realty, Brokerage  Ottawa  ON
199  RE/MAX Privilège Inc.  Saint Hubert  QC
200  RE/MAX Advantage Realty  New Westminster  BC
200  RE/MAX Land Exchange Ltd.  Wingham  ON
202  Keller Williams Realty Centres  Newmarket  ON
203  Coldwell Banker Westburn Realty  Burnaby                         BC
204  RE/MAX Legend Real Estate Inc.  North Bay  ON
205  RE/MAX Lanaudiere Inc.  St-Charles Borromee  QC
206  RE/MAX Défi (1996)  Valleyfield  QC
207  Keller Williams Solid Rock Realty  Ottawa  ON
208  RE/MAX Omega Realty (1988) Ltd.  Newmarket  ON
209  RE/MAX Extra Inc.  Beloeil  QC
210  RE/MAX Laurentides Inc.  St-Sauveur  QC
211  Coldwell Banker The Real Estate Centre, Brokerage  Vaughan                         ON
212  RE/MAX Orillia Realty (1996) Ltd.  Orillia  ON
213  RE/MAX East Coast Realty Ltd.  Conception Bay South  NF
214  RE/MAX Blue Chip Realty  Yorkton  SK
215  RE/MAX Action (1992) Inc.  Lasalle  QC
216  EXIT Realty Specialists  Saint John  NB
217  RE/MAX 3000 Inc.  Montreal  QC
218  Harvey Kalles Real Estate Ltd.  Toronto  ON
219  Coldwell Banker Fort McMurray  Fort McMurray                   AB
220  Tradewinds Realty Inc.  Chester  NS
221  Coldwell Banker ONTRACK Realty  Red Deer                        AB
222  RE/MAX Welland Realty Ltd.  Welland  ON
223  RE/MAX Actif Inc.  Saint-Bruno-de-Montarville  QC
224  RE/MAX Real Estate   Spruce Grove  AB
225  Keller Williams Realty South  Calgary  AB
225  RE/MAX Sault Ste. Marie Realty Inc.  Sault Ste. Marie  ON
227  CENTURY 21 Professional Group Inc.  Brantford  ON
227  RE/MAX Progroup Realty  Delta  BC
229  Royal LePage Binder Real Esate  Windsor  ON
230  Coldwell Banker Charles Marsh Real Estate, Brokerage  Sudbury                         ON
231  EXIT Realty Fusion  Regina  SK
232  RE/MAX Lakeshore Realty Inc.  Cobourg  ON
233  RE/MAX Advantage (Whitecourt)  Whitecourt  AB
234  RE/MAX Coast Mountains  Terrace  BC
235  Realty Executives Leading  Spruce Grove  AB
236  RE/MAX Unis Inc.  Repentigny  QC
237  RE/MAX of The Battlefords  North Battleford  SK
238  RE/MAX Futur Inc.  Châteauguay  QC
239  Coldwell Banker All Points-Festival City Realty, Brokerage  Stratford                       ON
240  RE/MAX Park Place Inc.  Sydney  NS
241  RE/MAX Rocky View Real Estate  Airdrie  AB
242  RE/MAX Excellence Inc.  Anjou  QC
243  CENTURY 21 In Town Realty  Vancouver  BC
243  EXIT Realty Matrix  Orleans  ON
245  RE/MAX V.R.P. Inc.  Saint Eustache  QC
246  RE/MAX Williams Lake Realty  Williams Lake  BC
247  Coldwell Banker Redwood Realty  Whitehorse                      YT
248  Realty Executives Progressive  Edmonton  AB
249  CENTURY 21 Executives Realty  Vernon  BC
250  RE/MAX Goldenway Realty Inc.  Toronto  ON