Do Not Sign Another Rent Cheque Again, Click here!

London, Ontario 519-435-1600

Not All REALTORS* Are The Same

First Look Buyer Program

Your key to success finding and buying your new home

Welcome to First Look, an exclusive buyer satisfaction program available only through Envelope Real Estate Brokerage Inc/

Studies show that so far in 2009, 65% of the real estate buyers were definitely satisfied with their sales representative. Think about that – that means fully 35% were not!

The same study indicated buyers expect their sales representative to perform very few functions. For repeat buyers:

1. 62% wanted their sales representative to find the right house,

2. 19% wanted their sales representative to negotiate the price after checking against comparable prices, and

3. 14% wanted their sales representative to complete the paperwork properly.

This is not a long or complicated list!

How one third of all buyers could be dissatisfied

with the performance of their sales representative?

Let me let you in on a little secret. Most sales representatives don’t plan to take care of their clients! No, I don’t mean they don’t intend to satisfy their clients. They do. They generally have the best of intentions. They just don’t have a plan to accomplish what they intend.

Ever hear of the old phrase “A failure to plan is a plan to fail?” Well, welcome to the world of the average real estate practitioner.

And it doesn’t matter how many letters or designations you can find after their name. It’s always the same.

They have no systematic way of helping a client

through the home buying process.

That’s exactly why the First Look buyer program was made available. It’s a unique system specially designed to consistently deliver customer satisfaction by addressing the three primary goals of buyers mentioned above.

More specifically, it’s a step-by-step blueprint to ensure client satisfaction – not a haphazard approach depending on the crisis of the day.

Now some of you might be saying “I don’t want a rigorous program. The right house for me isn’t going to be the same as for someone else”. And you’d be quite right – the right house for you is going to be different.

However, let me ask you this: Regardless of your destination, would you want the pilot flying your airplane to use a checklist or would you prefer they wing it because your destination is different?

I think most you can see that only by employing a well-designed system do you have the best chance of consistently obtaining the results you want.

So what are the components of First Look and how does it work? The exact details of First Look provide a competitive advantage and are therefore proprietary but we can look at how it generally addresses the principle item buyers want from their sales representative – finding the right home.

Generally the first thing most buyers do when they start thinking of a new home is to start looking in the newspaper, the real estate magazines at the supermarket, and more and more, the internet.

If you use this approach for anything other than

to get a general feel for the market, I can almost

guarantee you’re going to be frustrated!

Why? Well, for the moment lets skip the fact we have not invested the time to analyze your requirements, wants, financial qualifications, etc., and just look at this approach to searching. And let’s further suppose we’ve already found nothing on the market that’s suitable.

When a property comes onto the market where do the best “buys” go? Now I know everybody thinks the real estate sales representative gets the best buys, but let me assure you, they don’t have the money. So, where do they go?

They go to the buyer who has the first

opportunity to say yes!

And guess who that is? It’s the buyer who’s’ sales representative is constantly checking for new listings that meet their clients criteria, the buyer who is already pre-approved for a loan, and who is ready move emotionally when that right property for them comes onto the market.

Can you figure out which properties show up in the newspaper, the magazines, etc.?

I’s either already sold or

It’s a property my client has rejected!

Now would you prefer to choose from the gems or choose from the leftovers? Does it take a lot of effort to constantly check for new properties for each client? Absolutely! Does it pay off? Absolutely! Is it available to everyone? Absolutely not!

This is just one example of the advantages you’ll enjoy with the First Look system. There are lots more.

If you think you’d like to take the next step to explore the advantages and what’s involved here’s what to do now:

1. Call me at 519-435-1600 and let me know you’d like to take the next step and arrange an initial First Look meeting in my office. Ask any questions you might have and I’ll do the same. If we agree to move forward, we’ll set a time for the first meeting and I’ll contact one of my preferred lenders and ask them to initiate the pre-approval process. You’ll need to talk with the lender and begin the process prior to our meeting.

2. Prior to our meeting, please fill out the enclosed First Look Buyer Needs and Wants Sheet in its entirety. This is important because when the time comes, you will ultimately make your new home choice emotionally. This will give us a basis in fact.

3. When we meet, we’ll go over your wants and needs, special requirements, time table, etc. I’ll also be prepared to show you several homes based upon the Needs and wants sheet you’ve provided.

I’ll be providing you with a First Look buyer’s kit. In that kit I’ll be providing some additional material includinga brief on negotiating strategy factoring in the current market trends, comparable prices, and personality styles. There’ll also be more detailed material on the anatomy of a sale so you’ll know exactly what to expect and when. I’ll include copies of a sample offer so you’ll have the opportunity to review it and ask questions before we find your new home.

We’ll decide on the best means and frequency of communication. Phone, email, Fax, or a combination thereof.

During our first meeting I’ll ask for several commitments. One of the things I will ask of you is a commitment to work exclusively through me as your sales representative.

Now occasionally a buyer will balk at this request assuming they will have better odds if they are working with more than one sales representative. And I have no problem if someone wants to work with several sales representatives.

I’m just not going to be one of them.

Suppose you are a sales representative and you’ve just come across a terrific new buy. Who are you going to call? The buyer who is working with half a dozen sales representatives and could purchase through any of them, or the buyer you know if your loyal client?

So what’s the downside from a buyer’s point of view – locked in forever? Not at all. Because I’m so confident with the First Look system, you’ll get my written guarantee:

4. If you’re not happy at any time, just let me know and fire me.

I’ll take all the risk. I just need your commitment. My goal is to make you so pleased with my First Look program you’ll become an outspoken advocate for my business.

And that brings us to the second commitment I’ll ask for – if you are happy with my services that you’ll definitely recommend me to your friends and relatives.

At the beginning I related how fully one third of the buyers couldn’t definitely say they had a positive buying experience. As you approach this exciting task of finding your new dream home ask yourself:

“Within which group are you going to find yourself”?

The choices you make about which sales representative you use will determine your fate.

Ty Lacroix

STOP PAYING RENT NOW

Do NOT Sign Another Rent Cheque Until You Consider This:

Buy and Own Your Own Home or Condo, Right Now:

You can stop flushing away rent money every month, stop making your landlord rich, and buy a home or a condo of your own right now, and I can help you every step of the way.

Imagine; a home of your own! A fenced yard for the kids. A

garage for your car. Enough room for your stuff. All on a quiet street. Privacy. Comfort.

Why Now?

I have lots of lenders sitting on too much money-imagine that! - and they are eager to make more home loans right now. Interest rates are low. The time just couldn’t be better to get financing for your new home.

What About Credit Problems?

Even if you do NOT have perfect credit, there are loans available for you. Even if you are self-employed, there are loans available to you. Whatever your current situation, there’s probably a home loan just right for you, and I’ll find it for you.

Won’t I Need A Big Down Payment?

You do not need a large chunk of money for a down payment either. If you’ve been held back by the idea that you have to save up $10,000, $20,000 or more to put down, to buy a good home, I’ll show you how to avoid that altogether.

Consider Charlie and Sue. They had rented for 24 years. They raised 4 children in rental apartments and homes. Just recently, I helped them find a beautiful home and buy that $147,000 home with $7,350.00 down. Charlie and Sue got out of their apartment with the nosy, noisy neighbours and no place to park their car, got into a really great home in a nice neighbourhood with 5% down.

Now Charlie has a TV room. And instead of paying rent each month and losing that money forever, that same payment is now an investment, creating security for them in the future. Oh and by the way, their mortgage payments and taxes are less than they were paying in rent! Can I do all that for you? Yes, I can.

Maybe the level of the government will even step in to help with the down payment, with low interest financing, home improvement grants and in other ways. Very few people know that the government is eager to help them buy their first home. I can help you get every benefit available for first-time home buyers from Mr. Harper too.

Every Month You Wait, You Flush Your Hard Earned Money Right Down The Drain.

Renting is wasting money. You make your landlord rich, but you do nothing for yourself. By putting those exact same dollars into a “house payment” instead of “rent”, you create “equity”….. value that you own, that later can send your kids to university, finance the start-up of your own business or pay for your retirement. Be your own landlord and build up future financial security. I’ll even show you easy strategies to speed up the pay-off of your home without making extra payments. And, as a homeowner, you get tax breaks that renters never get.

There’s no reason to wait. I can help you buy a home RIGHT NOW.

By the way, I was just visiting with Jack the other day; I helped them buy their first home 6 months ago. Jack and Carolyn had a bankruptcy three years ago and were worried they could not buy a home. I helped them purchase a nice 2 bedroom condo for $104,900 with only $6,000 down. Jack’s whole attitude has changed. He is no longer a renter who cannot buy because he has a bankruptcy. He is a homeowner and you can tell he’s proud of it. He’s already talking about renting out his condo and moving up to a bigger home in a few years.

I remember when Verna called me last year. She had lived in the same house for 40 years and after her husband passed away, she was urged by her family to move to an apartment “to save money”. After 16 months in an apartment, the cat and she were going stir crazy. She liked to tinker about and she didn’t like the noise and all the traffic. I helped her find a great one bedroom condo with a balcony, she has her own laundry and oodles of storage and get this, and her payments are less than what she was paying in rent!

Switching from renting to home ownership can help you go from being in debt or “cash poor” to becoming financially secure, too. You can use home ownership as the “foundation” of a complete change in your finances!

Being A Homeowner Makes You Feel Good

In addition to the smart financial and tax reason for buying your own home instead of renting, you will feel better about yourself and your life. You’ll provide a safer place for yourself, your spouse, your family. You can decorate your home just as you please. You’ll enjoy inviting people over to your home.

Will I have To Settle For A Home I Don’t Love?

My inventory of available houses and condos is huge. I can show you a great home in just about any price range. Also, you may be surprised at how much home you can afford, with my loans and financing strategies. We’ll talk about the kind of home you want, the kind of neighbourhood you want to live in, your finances, and then I will do all the hard work of finding the perfect home for you. A home you can afford, with a loan that’s right for you. A home you’ll be proud of. A home you can move into now.

Of course, everything you tell me is completely private and confidential. My job mandates this high level of integrity. I work for you. I’m your counselor and advisor.

Why Not Explore This Idea? What Do You Have To Lose?

I’m so confident that I can “match” you with right home and great lender, if I fail after 120 days, I’ll pay you $50.00 cash the day you “fire” me as your home finder!

If I’m So Certain I can Help You, Why Wouldn’t You Let Me Try?

There are 2 ways we can move ahead from here………

One, you can call me and we’ll set up a brief personal meeting at your apartment, my office or the ever convenient Tim Horton’s. During our brief meeting, I’ll collect the information I need from you to create a “Home Search Profile”, and then I’ll go to work for you…. To find a choice of houses or condos and to be sure you can get a home loan. There is absolutely no charge to you for the meeting or the search. I’m paid the normal real estate commission by the seller of the home only after I’ve “matched” you with a home of your choice.

0r, send me an email with your full name and I will have one of our mortgage specialists get back to you.

You Never Pay A Cent Out Of Your Own Pocket For All The Work I Do For You

Or two, if you’re not ready to meet yet, at least let me send you my FREE “The Envelope Exclusive Homeowner Information Packet”. Reading this information may change your entire life.

To set up a meeting or ask for your FREE “The Envelope Exclusive Homeowner Information Packet”, call me at 519-435-1600 or send me an email at ty@enveloperealestate.com and I’ll get back to you quickly.

Sincerely

Ty Lacroix

Ty Lacroix Broker of Record

PS: I know there’s a tendency to set this letter aside….to “think it over”… but then it may get lost, and you forget about it. So I wanted to give you a little extra reason to pick up the phone and call me right now, while it’s still fresh in your mind. When we meet, I’ll give you a “FREE BUYER’S GUIDE” which has lots of important information about buying a home or a condo. There’s “no catch”. But I only have a limited supply. So you need to call me right now at 519-435-1600 to be sure of getting one.

PPS: Oh… I almost forgot a very important thing. I or one of our many lenders will also provide for you a FREE confidential credit report and FREE determination of your home loan qualifying range. Remember, everything is completely private, confidential and you are under no obligation what so ever. So give me a call at 519-435-1600 right now.

Hi Ty

I want to thank you for all your help in the purchase of my "Dream Beach House"......You made the buying process easy....all your patience as I went through it a few times was absolutely wonderful..

Showing me other places so I knew what else was out there and could be sure "this was the one" before my final decision was great......

Thank you for your suggestions and help in getting the final papers signed......being able to do the whole process in one day was certainly pretty stress free....not having to wait while it was taken back and forth over a few days made it very easy.

Once again, thank you so much for all your help...I will definitely call you again if the need arises to buy or sell and will pass your name on to anyone I know who may need someone...

It was certainly great working with you for these last few months.

Kind regards

Sue Grycaj

Our experience with Envelope Real-estate and Ty Lacroix, in particular,
was nothing less than comfortable and stress-free (well, as stress-free
as buying a home for the first time can get!). Ty, as an experienced
agent, was very informative and most importantly, intuitive! He was
able to give us as much information as we required, often answering our
questions before we asked, and was thoughtful and conscious of our
priorities.

Ty took the time to get to know my family and made sure that the
properties we viewed reflected our interests. The extra time that he
took to get know us, attributed to the efficient way in which we were
able to find a home together. Ty is not one to sugar coat anything! He
is very forthcoming and had proved that he was on our side throughout
the entire process by telling us exactly how it is. The key point is
that Ty was willing and able to work with us. He was always patient,
resourceful and honest.

Ty had great referrals for a home inspector and a lawyer. His referrals
were particularly helpful, and it was comforting to know that Ty had
worked with these individuals time and time again. The research and
preparation in buying a home can be really overwhelming, and having
someone to guide us, saved us a tremendous amount of time, and left us
with less to worry about.

When it was time to close the deal, Ty was firm and productive. We were
able to reach an agreement with the other party (in our favour) in a
timely manner. His genuine interest in making us happy allowed us to be
comfortable and trusting in his talent and experience.

Envelope Real-estate, from our experience, is very client orientated.
My family and I will not hesitate to say that we have had an amazing
experience with Envelope Real-estate and Ty Lacroix! Ty's hard work has
resulted in my family and I finding the perfect home!!

Thank you, Ty and Envelope Real-Estate!

Mojdeh Rahbari

" Ty assisted me in purchasing a property that I use for both my home and my business. His efforts have paid off in more than just the property, the advice he gave has served to assist not only my personal life but my business as well. When I purchased my house there were 8 other bidders on the property, but due to Ty's quick thinking and hard work, we were able to secure the property even though I had gone in with the lowest bid! Since that time my property has seen a 40% rise in property value! Not only did Ty work for my interests and ensured that I got the very besyt in value, he also ensured that the future of the property was secure, and would result in a location that would provide a tremendous dividend if I decided to sell.
Ty is affable and works tirelessly for his clients, and as a result his clients are loyal, I would never use anyone else!"
Karl Fitzgerald-Sloman

How To Buy A Home The Easy Way

Avoid 10 Common Potentially Devastating Mistakes Home Buyers Make.

Buying a home can be a “hair rising “experience. It can be a roller coaster of emotions …. Finding the right place…. Securing a mortgage….. moving in. And, if you’re like most of us, your home will be your largest investment. The emotions over such a large and personal purchase can often cloud good business judgment.

Many home buyers do very little research before “diving in” and investing their hard-earned money. Before doing that, doesn’t it make sense to be as informed as possible? That is what the following is all about. It’s designed to help you avoid 10 common, critical mistakes many home buyers make. If you follow these 10 suggestions, with the help of the right real estate professional, you’ll make a good sound business decision that you’ll be happy and proud of for years to come.

1. Inspect, Inspect and Inspect: Go over the inspection report with a fine tooth comb. Make sure the report was done by a professional home inspector. For condo purchases, go over the Status Certificate; go over the by-laws and association fees. Don’t take anything for granted… inspect everything!

2. Imagine the property vacant: Your furnishings and decorations will be the ones filling this new residence. Don’t be swayed by beautiful furniture….it leaves with the owner.

3. Income Plus Lifestyle Equals Mortgage Payment: Sit down with a competent real estate professional and honestly discuss your income level and living expenses. Take into account future considerations like: children, add-ons, amenities or fix-ups. Your dream home is certainly worth a sacrifice but don’t mortgage your future.

4. View Several Homes: See at least 3-5 properties. Don’t move on the first property you see but….don’t move too slowly either. With our help, you’ll be able to view enough properties to get a good overall perspective of your market. And when you find the right property, all the leg work will be worth it.

5. Utilize Your Team: By aligning yourself with the right real estate professional, you’ll have an entire team working for you. Top real estate professionals have lenders, inspection teams, appraisers, lawyers, trades people, cleaners….an entire group of trained professionals making the whole buying experience simple and easy for you.

6. Be Columbo…Be CSI: Check out all your costs and expense before you sign: utilities, cable, taxes, and insurance, maintenance and homeowner dues, if applicable. Make sure all utilities are on (gas, electricity, and water), so you can inspect everything is in working order, Ask lots of questions and be very detail conscious.

7. Do a Final Walk-Through Before Closing: Visit the property after all the furnishings have been moved out to be sure there are no surprises. Be absolutely sure the property is as exactly as you had agreed upon when the offer was accepted. Many times, things are unintentionally overlooked that could have been spotted in a final walk-through.

8. Plan for Flexibility: Closing dates are not written in stone. Allow for contingencies and have a back-up plan. If you or the sellers need a little more time to conclude the final arrangements, don’t let these delays upset or frustrate you. These types of circumstances are not uncommon in a real estate transaction; however, with a great real estate professional and his/her teams, this will seldom occur.

9. If It’s Not In Writing, It Doesn’t Exist: All promises and discussions are to be in writing. Don’t make any assumptions or believe any assurances. Even the best intentions can be misinterpreted. Have your real estate professional keep an ongoing log (in writing) of all discussions, and get the seller’s written approval for all agreements.

10. Loyalty Breeds Loyalty: Be open, honest and up-front with your team. Hard feelings and disloyalty will cause headaches, delays or may even keep you from getting into the home you worked so hard to locate. Take the time to select the right real estate professional in the beginning and your home purchase will be a simple, easy and profitable experience you’ll have fond memories of…for years to come.

My hope with the above information has been to educate you and help you avoid the pitfalls many home buyers go through. I hope you find these ideas valuable and impress upon you that we at Envelope Real Estate take the buying and selling of real estate very seriously and have implemented many checks and balances to ensure your purchase is hassle free.

Your initial consultation is always completely free of charge and you’re under no obligation of any kind. We’ll sit down for 15-20 minutes…no high-pressure, just plain, honest talk about what it’s going to take to achieve your personal goals. Go ahead, pick up the phone and give us a call at 519-435-1600.

Envelope Real Estate Brokerage Inc

321 Springbank Drive, London, Ontario Canada N6J 1G6

Email: info@enveloperealestate.com

Tel: 519-435-1600 Fax 519-435-0501

Not all REALTORS* are the Same!

First Look Buyer Program

STOP PAYING RENT NOW

How To Buy A Home The Easy Way