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Why Buy With US!

Real estate shouldn't be a list of perfunctory duties performed by disinterested parties; it should be a customer service experience unlike any other. After all, real estate is about dreams and lifestyles, not houses and properties.

 

Arsen represents the evolution of real estate-the real estate resource. The real estate consultant is the catalyst for quick sales and high profit, the professional who seamlessly blends the skills of investors, financial analysts and market experts in order to offer his clients premier service from beginning to end.

 

The consultant educates and guides his clients through the real estate process, and is most concerned with their experience, placing their needs above everything else.

 

Arsen Gulesserian is changing the way traditional real estate operates. Outstanding customer service, a personal commitment to sell your home, and constant communication set Arsen Gulesserian apart from all other agents. Customers of Arsen Gulesserian value most the individualized market plans, in-home consultations, and unique listing services that sell homes quickly and for top dollar.

 

So, if you are interested in a break from the norm, a shift from the traditional, then it is time to embrace real estate as it ought to be-an experience in integrity, service, and commitment. Arsen is ready and waiting to serve you.

 

 

   



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Mortgage Insurance Providers

CMHC

Canada Mortgage and Housing Corporation (CMHC) is Canada's national housing agency. Established as a government-owned corporation in 1946 to address Canada's post-war housing shortage, the agency has grown into a major national institution. CMHC is Canada's premier provider of mortgage loan insurance, mortgage-backed securities, housing policy and programs, and housing research. More about CMHC can be found at http://www.cmhc.ca

Genworth Financial

GE Mortgage Insurance Canada together, with its related affiliates, is the largest private sector mortgage insurance company in the world and the only private sector supplier of mortgage insurance in Canada. http://www.genworth.ca

Mortgage Insurance Premiums Explained

Mortgage loan insurance premiums are calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.

Loan-to-Value Premium on Total Loan Premium on Increase to Loan Amount for Portability and Refinance
Standard Premium Self-Employed without 3rd Party Income Validation Standard Premium Self-Employed without 3rd Party Income Validation**
Up to and including 65% 0.50% 0.80% 0.50% 1.50%
Up to and including 75% 0.65% 1.00% 2.25% 2.60%
Up to and including 80% 1.00% 1.64% 2.75% 3.85%
Up to and including 85% 1.75% 2.90% 3.50% 5.50%
Up to and including 90% 2.00% 4.75% 4.25% 7.00%*
Up to and including 95% 2.75% N/A 4.25%* *
Extended Amortization Surcharges
Greater than 25 years, up to and including 30 years: 0.20%

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