Victoria BC Real Estate Blog

Please keep this booklet during all house hunting related activities: meetings, house

hunting trips, etc. Use it to take notes and to keep track of deadlines. You can even staple

cards to relevant pages to keep related materials together. Making this transaction as easy

as possible for you is my job. We are happy to serve all your real estate needs!

• Working with him can save you endless amounts of time, money and frustration.

• Fred knows the housing market inside and out and can help you avoid many a “wild goose

chase.”

• Fred can help you with any house even if it is listed elsewhere, or is being sold by the

owner directly.

• Fred knows the best lenders in the area; can help you get pre-qualified for a mortgage; and

discuss down payments, closing costs, and monthly payment options.

• Fred Carver is an excellent source for general information about the community, specific

information about schools, churches, shopping, transportation, plus tips on house

inspection and pricing. After all Fred was born and raised here.

• Fred is experienced at presenting your offer to the homeowner and can help you through

the process of negotiating the best deal. Fred also brings objectivity to the buying

transaction, and can point out advantages and disadvantages of a particular property.

• I act as a consultant.

• And I listen to what you want to buy and then work with you to find the exact home to

meet your needs. I am so confident of my services that I will guarantee your happiness. If

at any time in the first 6 months you are not happy with the home we will sell the home for

you absolutely free (a selling commission will apply to pay for any other Realtor – usually

½ the normal commission – who sells the home we have listed)…

• And the BEST thing is that all this help normally won’t cost you a cent. Generally,

the seller pays the commission to Realtors. However, that doesn’t affect Fred’s

dedication or the spirit of teamwork that they will put into helping you find and buy

the home of your dreams. After all, their success depends on your success.

In the home buying process is to find an experienced Realtor that you can trust

and sign a Buyer’s Agent Agreement. This guarantees, by the laws of the

Province, that your needs are met professionally and represented throughout the

entire process of buying your home.

Is to look at various homes. Fred Carver is available to help you find your

dream HOME.

When you find your dream home, you should present a competitive offer

immediately. Fred has extensive experience in contract negotiations. He will

ensure you get just what you want for a fair price – a transaction in your best

interest.

When the seller accepts your offer, you “go under contract.” You want to make

sure every detail is handled accurately and immediately. Fred Carver will

ensure your home closes properly and on time.

Final details are handled and inspections are performed to ensure the property is

“perfect” for you. Contract details are further negotiated, and we head to

closing!

Be prepared to bring your checkbook to the closing procedure – the next steps

you will take will be over the threshold of your new home!

Real Estate brokers and their salespersons are required to disclose the type of working

relationship they have with the buyers in a real estate transaction. There are several types

of relationships that are available to you. You should understand these at the time a broker

provides specific assistance to you in buying real estate. Buyer’s Agent and Seller’s Agent

relationships are commonly referred to as “agency” relationships and carry with them legal

duties and responsibilities for the broker as well as for the buyer and seller.

A Buyer’s Agent acts solely on behalf of the buyer and owes duties to the buyer, which

include the utmost good faith, loyalty, and fidelity. The agent will negotiate on behalf of,

and act as an advocate for; the buyer. The buyer is legally responsible for the actions of

the agent when that agent is acting within the scope of the agency. The agent must

disclose to sellers all adverse material facts concerning the buyer’s financial ability to

perform the terms of the transaction and whether the buyer intends to occupy the property.

A separate written buyer’s agreement is required which sets forth the duties and

obligations of the parties.

A Seller’s Agent acts solely on behalf of the seller and owes duties to the seller, which

include the utmost good faith, loyalty, and fidelity. The agent will negotiate on behalf of,

and act as an advocate for; the seller. The seller is legally responsible for the actions of the

agent when that agent is acting within the scope of the agency. The agent must disclose to

buyers or tenants all adverse material facts about the property known by the broker. A

separate written listing agreement is required which sets forth the duties and obligations of

the parties.

Enlisting the services of a professional Buyer’s Agent is similar to using an accountant to help you with

your taxes, a doctor to help you with your health care, or a mechanic to help you with your car. So the first

advantage is pretty obvious. If you had the time to devote to learning all you need to know about

accounting, medicine, and automotive mechanics, you could do these services yourself. But who has the

time? You probably already have a full-time career to which you are committed. This is why you allow

other professionals to help you in specific areas of expertise.

Fred Carver has devoted his time to perfecting a career in real estate service. Continuous education, market

research, and vast experience are combined with an excellent team of real estate professionals to find you

the perfect home quickly. Fred will take care of all the hassles of every day real estate transactions for you.

He will let you concentrate on your full-time job, while he does his. Fred Carver will guide you through

the home buying process and exclusively represent your interests as he helps you find a home, present your

contract offer, negotiate, and close!

The advantage to signing a Buyer’s Agency Agreement with Fred Carver, you will have a professional

working to find and secure the perfect home for you exactly when you need it. It is nearly impossible to

find a home that meets your needs, get a contract negotiated, and close the transaction without an

experienced agent. Fred has vast computer networks to make sure you only tour homes that meet your

specific needs. You won’t need to spend endless evenings and weekends driving around looking for homes

for sale or trying to search computer networks yourself. When you tour homes with your professional

Buyer’s Agent, you will already know that the homes meet your criteria for bedrooms, bathrooms, garage

space, square footage, neighborhood, etc. Also, your Agent will ensure you are looking at homes that are

in your price range.

Just as your accountant, doctor, and mechanic get to know your needs through a steady relationship, your

Buyer’s Agent gets to know your real estate needs and concerns. This type of relationship is built by open

communication at all times and by touring homes with Fred Carver, he gets a good idea from your feedback

and concerns about each home. If you try to jump from agent to agent, you will not receive the best real

estate services possible, and you will be violating your agreement to your agent. There is nothing to gain

from trying to find and tour homes on your own, and you will save a lot of time when your agent can tell

you everything about any home before you see it.

Entering into a Buyer’s Agency Agreement has countless advantages and no disadvantages. When you

sign the agreement, you are simply agreeing to “hire” a personal representative who, by law, must represent

your best interests to the best of his/her ability. All of this personal service is available at absolutely NO

COST TO YOU! The Seller’s Agent is responsible for paying your Buyer’s Agent fee.

With Fred Carver, you get a professional devoted to protecting your needs to help you make one of the

most important investment decisions of your life –- and you don’t even have to pay the fee!

When you are ready to begin looking at various houses to find your dream home, you need to prepare all of

the necessary materials to present to the lender. Your lender will tell you exactly what you can afford so

that you do not spend time looking at “too much” home. There are three key factors that you will need to

consider when determining how much home you can afford. These are 1.) the down payment, 2.) your

ability to qualify for a mortgage, and 3.) the closing costs associated with your transaction.

Most loans today require a down payment of between 5% and 10% depending on the type and terms of the

loan. If you are able to come up with 20-25% down payment, you may be eligible to take advantage of

special fast-track programs and possibly eliminate mortgage insurance.

It is often thought that bigger is better when it comes to down payments. In many cases, this may be true.

However, the arithmetic will differ from case to case. A bigger down payment means smaller monthly

payments and lowers interest expense for as long as you remain with a mortgage. This can be an important

factor for many people. But if you can put your available funds to work for you so that they can earn more

than the interest rate on your loan, you could be dollars ahead with a smaller down payment. Also, a

smaller down payment may allow you to keep you extra cash liquid and available for an emergency.

Don’t forget to think ahead carefully. In addition to the down payment on your dream home, you will be

required to pay fees for loan processing and other closing costs. These fees must be paid in full in cash at

the time of the final settlement, unless you are able to include these in your financing. A detailed schedule

is included herein in the section detailing your closing.

Most lenders require that your monthly payment range between 30 to 32% of your gross monthly income.

Your mortgage payment to the lender includes four items….the PITI. These items are discussed in detail

on the page entitled, “Predicting Your Monthly Payment (The PITI).” Remember, when you buy a home

Investment Property all interest is tax deductible. Your total monthly PITI and all debts (from installments

to revolving charge accounts) should range between 35-40% of your gross monthly income. This is a

general rule of thumb, but other key factors specifically determine your ability for a home loan. These

factors are:

When touring homes you will find that there are many beautiful homes on the market. There are

two things you must do before looking at homes.

1. Find out from your lender how much you qualify to spend on the home. It is very easy to

become excited about features found in homes out of your price range. Before you get your

heart set on that big, tree-shaded colonial on the hill, you need to pin down your financial

details. Only then will you know if you can afford Willow Crest, or if it makes more sense to

aim for Shady Hollow.

2. Complete this list below. Please take a moment to decide what features are “Requirements”

(location, basement, number of bedrooms, eating space, architectural style, garage, etc…) and

which features are “Extras” (fireplace, walk-in closets, wet bar, pool, siding, vaulted ceilings,

deck, landscaping, etc…) . There are many different features in homes that range from

necessary to luxury. It is easy to get caught up in the excitement of a beautiful home loaded

with amenities. It is important that you select a home that truly meets all or most of your

requirements first and foremost!

As you tour homes, check back to this list to make sure the home meets your requirements. The

extras should only come into play when you make your final decision between homes that meet all

or most of your requirements.

It is important that you scout the neighborhood in person. You live

in more than your house. Talk to people who live there. Drive

through the entire area at different times of the day, morning,

afternoon, evening, and late at night, as well as going during the

week and on weekends. Look carefully at how well other homes

in the area are being maintained; are they painted, are the yards

well cared for; are parked cars in good condition. (Visit

www.mapquest/blast.ca and enter in Victoria to see map of area.)

There are many factors to consider when selecting a neighborhood that is right for you. Below are

just a few of the many factors -- You may think of others that are important to you. Please write

them on your Requirements List so they do not get forgotten.

Neighborhoods have characteristic personalities designed to best suit single people, growing

families, two-career couples, or retirees. Investigate to determine that the neighborhood in which

you choose to look for a home matches your lifestyle and personality.

Look for things like access to major thoroughfares, highways, and shopping. Listen for noise

created by commerce, roads, public areas, schools, etc. Smell the air for adjacent commerce or

agriculture. Check with local civic, police, fire, and school officials to find information about the

area. Research things like soil and water. Look at traffic patterns around the area during different

times of the day and drive from the area to work. Is the neighborhood near parks, churches,

recreation centers, shopping, theaters, restaurants, public transportation, schools, etc.? Does the

neighborhood belong to a Homeowner’s Association?

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

The advantages of having Fred Carver help you purchase a new home are the same as those for purchasing

a resale home…knowledge of the market, help in finding the perfect home quickly, expertise in contract

writing/negotiation, and closing assistance. The builder has a professional representative watching out for

his needs, and you need the same expert representation.

Buying a new home is a little more difficult and time-consuming than buying a resale. Fred can

professionally guide you through this process. Fred Carver & Re/Max Camosun has experience working

with builders.

It is very important that your interests be professionally represented when you are entering into a contract

for a semi-custom or build-to-suit home. These transactions are complex and the contract details must be

exact in order to protect you and to ensure you get exactly the home you want!

􀂉 Picture ID with social security number of borrower and co-borrowers.

􀂉 Payment to cover the application fee.

􀂉 Name and complete address of all landlords for the past two years.

􀂉 Employment history for the past two years including names, addresses, phone

numbers, and length of time with company.

􀂉 Copies of your most recent pay stubs and T-4 forms (past two years).

􀂉 Verification of other income (social security, child support, retirement).

􀂉 If self-employed, you need copies of the past two years signed tax returns including

all schedules, and a signed profit and loss statement of the current year. Retirees need

tax returns for the past two years.

􀂉 If you have rental property income, bring a copy of all lease agreements.

􀂉 Copies of all bank and credit union statements for the past three months.

This article originally appeared in the Denver Post

“Should You Use a Realtor When Buying a New Home? YES!”

Think of planning a trip to Europe without the help of a travel agent…or how about buying insurance without an insurance agent?

Then imagine being involved in a major league business dispute, and you’re representing yourself in front of the judge and jury. If you

depend on people in the service industry for travel needs, filing a claim for hail damage to your roof, or handling legal matters, then why

would you want to represent yourself in the most expensive and probably most important purchase of your lifetime…your new home?

It is a common conception that buying a new home directly from the builder, without the assistance of a Realtor, will save you money.

Not so! The price of a new home is the same whether you have a Realtor or not. Since this is the case, common sense would tell you to

utilize a professional to help you with contract negotiations, researching loans, or helping you to decide which lot is best suited for you!

Phyliss Sinclair, a broker associate, has been on both sides of the fnce. For 10 years she represented builders as an on-site

salesperson. During the past three years she has represented both buyers and sellers in resale and the purchase of new homes. Sinclair

sums up new homes sales as, “A one price policy…buyers receive all of the services and don’t pay them any extra, but they also don’t

receive any discounts. I always felt concern for buyers who weren’t associated with a Realtor, as they didn’t have the support system they

deserve in such a major lifetime transaction.”

In our current, fast-paced real estate market, there are many new home communities to choose from. You need to ask yourself

some pertinent questions when looking for a new home. Is this a good builder? Does he have a solid reputation, years in business, etc.?

How does the quality of his product compare to that of other builders? What are the existing inventories of the various builders? How do

builder models meet your needs (floor plans, square footage, and location)? If I sell in a few years, what upgrades should I include to be

competitive?

When you find the answers to these questions, ask yourself if the time spent in researching these answers was time well spent – put

a dollar value on your time. Real estate professionals can be a valuable asset in collecting information in areas which may affect your

decision on the purchase of a new home.

If builders rely on real estate professionals to sell their homes, then why wouldn’t you, the buyer, take the same precautions in

assuring yourself the best service and expertise in making this important decision?

􀂉 Copies of all stock/bond certificates and/or the past three statements from all

investment and retirement accounts.

􀂉 Prepare a list of household items and their values.

􀂉 Copies of title documents for all automobiles, boats, motorcycles, etc.

􀂉 Face amount, monthly premiums and cash values of all life insurance policies.

(Cash value may be used for closing costs or down payments. You need

documentation from the carrier indicating cash value).

􀂉 Credit cards (account numbers, current balances, and monthly payments).

􀂉 Installment loans (car, student, etc.). Same details as for credit cards.

􀂉 Mortgage loans (property address, lender with address, account numbers, monthly

payment and balance owed on all properties presently owned or sold within the last

two years). Bring proof of sale of properties sold.

􀂉 Child care expense/support (name, address, phone number).

􀂉 Bankruptcy – bring discharge and schedule of creditors.

􀂉 Adverse credit – bring letters of explanation. Divorce – bring Divorce Decrees,

property settlements, quit claim deeds, modifications, etc. for all divorces by yourself

or your spouse.

In British Columbia there are three companies which provide New Home Warranties. The

terms of these warranties are the same because of government legislation.

2 Years – Against minor defects and labor

5 Years – Against water penetration

10 Years – Against major structural defects

The names and toll-free numbers of these insurance companies are:

Residential Warranty 1-800-238-3493

London Guarantee 1-800-555-9431 or website www.londonguarantee.com

National Home Warranty 1-800-243-8807 or website www.nationalhomewarranty.com

When you purchase a resale home, you can purchase warranties that will protect you

against most ordinary flaws and breakdowns for at least the first year of occupancy. The

warranty may be offered by the Seller as part of his overall package or by some Realtors

who have access to programs that will ensure the buyer against any defects in the home.

Even with a warranty, you should have the home carefully inspected before you purchase

it.

A home warranty program will give you peace of mind, knowing that the major covered

components in your home will be repaired if necessary. Ask Fred for more details about

home warranty packages that may be available for your home.

HOME

WARRANTY

You have the right to request an inspection of any property you are thinking of purchasing

by a professional inspector of your choice. You should always exercise your option to

have the physical condition of the property and its inclusions inspected. Many of the more

severe and expensive problems such as mechanical, electrical, structural, and plumbing are

not noticeable to the untrained eye. If repairs are needed, negotiate these in your contract

offer. A professionally conducted home inspection followed by a written evaluation is

becoming standard procedure in home buying because of increased buyer awareness and

savvy.

Since an increasing number of buyers are requesting property inspections, there has been a

rapid increase in the number of people entering the inspection field, the Province of B.C.

does not require testing and licensing of inspectors.

What does an inspection entail?

A qualified inspector will follow Standards of Practice in conducting their inspection. The

inspection consists of a physical inspection of the home with the purchaser present,

followed by a written report detailing their findings. They report on the general condition

of the home’s electrical, heating, and air systems, interior plumbing, roof, visible

insulation, walls, ceilings, floors, windows, doors, foundation, and visible structure. The

inspection is not designed to criticize every minor problem or defect in the home. No

home is perfect. It is intended to report on major damage or serious problems that require

repair for the well being of the home and that might require significant expense. In Texas,

a special concern is expansive soils. They can be destructive when water causes these high

clay content soils to swell and exert upward pressure on foundation and driveway slabs. If

improperly constructed, these structures can crown up in the middle.

The primary purpose of the inspection is to educate the buyer to make an informed

purchasing decision. The inspector should allow and even encourage the buyer to attend

the home inspection. A good home inspector knows how the home’s many systems and

components work together and how to minimize the damaging effects of sun and water.

The buyer’s attendance of the inspection provides them with an over all idea of possible

future repair costs and maintenance routines. This is valuable information, which could

increase the life span, and perhaps the future selling price of the home.

A competent home inspector is familiar with the latest construction materials, home

building techniques, and professional equipment. Consumers should research whether

prospective home inspectors actively monitor the changes in construction and real estate in

order to keep their business practices current and professional. Members must meet annual

continuing education requirements for this purpose.

The time necessary to properly inspect a home, as well as the fee charged by an inspector,

varies according to market location, the size and age of the home, and the individual

inspection company. However, you can expect that it will take an average of two to three

hours to competently inspect a typical one-family, three-bedroom home, with an average

cost of $200 to $400. Notify Fred Carver after the inspection is completed, about any

questions or concerns you may have.

Consumers must be cautious in evaluating some of the claims made by people hoping to

fill the growing demand for home inspection services. Many new companies request only

an application fee. Some claim to offer certification but do not require exams or proven

credentials. Still others boast engineering licenses as assurance of competence, even

though the engineering license has nothing to do with home inspecting.

Some inspectors may be qualified to provide other types of services with their inspection

that go beyond the scope of the ASHI standards.

A “closing” is the meeting the Buyer, Seller, meet with their individual lawyers for the actual

transfer of title. The purchase agreement or contract you have signed describes the property, states

the purchase price and terms, sets forth the method of payment, and usually names the date when

the closing or actual transfer of the property title and keys will occur.

Your lender will require you to sign a document, usually a promissory note, as evidence that you

are personally responsible for repaying the loan. You will also sign a mortgage on the property as

security to the lender for the loan. The mortgage gives the lender the right to sell the property if

you fail to make the payments. Before you exchange these papers, the property may be surveyed,

appraised, or inspected, and the ownership of title will be checked in provincial records.

As previously mentioned, you should have already conducted any inspections, etc. you wish to

have done on the property.

You will also be required to pay all fees and closing costs in the form of “guaranteed funds” such

as a Cashier’s Check. Your agent or lawyer prior to closing will notify you of the exact amount.

In order to make your moving experience, we have prepared this checklist:

􀂉 Make arrangements with Moving Company

Notify the following of Change of Address:

􀂉 Canada Post (www.canadapost.com or 1-800-267-1177)

􀂉 Magazine and mail order subscriptions

􀂉 Revenue Canada (www.rc.gc.ca or 1-800-959-8281)

􀂉 Canada Pension Plan ( 1-800-277-9914)

􀂉 Friends and Relatives

􀂉 Schools

􀂉 Notify Insurance Companies

􀂉 BC Medical (www.gov.bc.ca or in Victoria 386-7171

􀂉 Life Insurance

􀂉 Auto Insurance

􀂉 Home Owners

􀂉 Transfer All Bank Accounts if applicable recommend affiliate in new city

􀂉 Transfer All Memberships

􀂉 www.victoriahomesandproperties.com Fred Carver, Re/Max Camosun.

Disconnect utilities, get refund for any deposits made and advise where final bills are to be sent.

􀂉 Water (see your Municipality office)

􀂉 Hydro (www.bchydro.com or 1-800-224-9376)

􀂉 Gas (www.bcgas.com or

􀂉 Telephone (www.telus.com or 1-888-811-2323)

􀂉 Cable (Shaw Cable Victoria 475-5655)

􀂉 Trash Removal

Cancel Deliveries

_____ Milk _____ Diaper _____ Newspaper _____ Other Obtain Medical

Records

_____ General Practitioner _____Dentist _____Optometrist ___Veterinary

􀂉 Check with insurance agent on coverage of life, car and household goods en route

to new home.

􀂉 Obtain birth certificates for all family members

􀂉 Obtain all legal documents and records

􀂉 Check to see if your will must be rewritten when moving out of province

􀂉 Have drug prescriptions refilled

􀂉 Leave all appliance warranties and plans

􀂉 Leave garage door openers

Do not transport your pets much farther than they have safely traveled in the past without

consulting your veterinarian. To transport animals by air, you need an airline-approved animal

carrier. A moving company can inform you of any state regulations for pet entry, vaccination or

quarantine procedures. Ask about regulations, licenses, tags, etc. for pets. Also, do not forget to

obtain a copy of your pet’s medical records.

Keep detailed records of all moving expenses if your move is job related. Many expenses,

including house-hunting trips, are tax deductible. If your move is 50 km or more from your home,

you can deduct your family’s travel expenses, including meals and lodging; the cost of

transporting furniture, other household goods and personal belongings; food and hotel bills for up

to 30 days in the new city if you have to wait to move into your new home; and the costs

associated with selling your old home or leasing your new home.

􀀹 Loan Application:

(Application fee is due at this time).

􀀹 Seller’s Disclosure must be signed:

􀀹 Set inspection date and time:

􀀹 Written notice due – all items from the

inspection that you wish to be repaired:

􀀹 Negotiation of inspection repair items complete:

􀀹 Insurance: (You are required to arrange for

insurance coverage and to inform your mortgage

company of your agent’s name and phone

number).

􀀹 Loan approval:

􀀹 Closing Date:

Please note: During the loan and home-buying process, you will be asked to supply

documentation, respond to phone calls requesting information, schedule dates into your

calendar, etc….

Please keep this book with you throughout the home-buying process. It is also

very helpful if you keep it for future reference.

#101-791 Goldstream Ave.

Victoria, B.C.

V9B 2X5

(250) 478-6060 fax

Email: fredcarver@telus.net or fredcarver@remax.net

Web site: www.victoriahomesandproperties.com

Or www. fredcarver.com

Here are list of important names, numbers and links to the World Wide Web to help you

gather more information.

Greater Victoria Chamber of Commerce 383-7191 www.gvcc.org

School District 61 Victoria 475-3212 www.sd61.bc.ca

School District 63 Saanich 652-7300 www.sd63.bc.ca

School District 62 Sooke 474-9800 www.sd62.bc.ca

St. Margaret’s School for Girls 479-7171 www.islandnet.com/~stmarg

Glenlyon-Norfolk School 370-6800 www.islandnet.com/~gns

St. Michael’s University School 592-2411 www.smus.bc.ca

Camosun College 370-3000 www.camosun.ca

University of Victoria 721-7211 www.uvic.ca

Revenue Canada Agency 1-800-959-8281 www.revenuecanada.com

Government of Canada www.canada.gc.ca

Province of British Columbia 387-6121 www.dir.gov.bc.ca

Lawyers

Mullin, Demeo & Dalsin 477-3327 lawyers@mdlawcorp.com

Pearlman & Lindholm, Vince Reilly QC 383-3344, or fax 388-5856

Please keep this booklet during all house hunting related activities: meetings, house

hunting trips, etc. Use it to take notes and to keep track of deadlines. You can even staple

cards to relevant pages to keep related materials together. Making this transaction as easy

as possible for you is my job. We are happy to serve all your real estate needs!

• Working with him can save you endless amounts of time, money and frustration.

• Fred knows the housing market inside and out and can help you avoid many a “wild

goose chase.”

• Fred can help you with any house even if it is listed elsewhere, or is being sold by the

owner directly.

• Fred knows the best lenders in the area; can help you get pre-qualified for a mortgage;

and discuss down payments, closing costs, and monthly payment options.

• Fred Carver is an excellent source for general information about the community, specific

information about schools, churches, shopping, transportation, plus tips on house

inspection and pricing. After all Fred was born and raised here.

• Fred is experienced at presenting your offer to the homeowner and can help you through

the process of negotiating the best deal. Fred also brings objectivity to the buying

transaction, and can point out advantages and disadvantages of a particular property.

• I act as a consultant.

• And I listen to what you want to buy and then work with you to find the exact home to

meet your needs. I am so confident of my services that I will guarantee your happiness.

If at any time in the first 6 months you are not happy with the home we will sell the home

for you absolutely free (a selling commission will apply to pay for any other Realtor –

usually ½ the normal commission – who sells the home we have listed)…

• And the BEST thing is that all this help normally won’t cost you a cent. Generally,

the seller pays the commission to Realtors. However, that doesn’t affect Fred’s

dedication or the spirit of teamwork that they will put into helping you find and buy

the home of your dreams. After all, their success depends on your success.

In the home buying process is to find an experienced Realtor that you can trust

and sign a Buyer’s Agent Agreement. This guarantees, by the laws of the

Province, that your needs are met professionally and represented throughout the

entire process of buying your home.

Is to look at various homes. Fred Carver is available to help you find your

dream HOME.

When you find your dream home, you should present a competitive offer

immediately. Fred has extensive experience in contract negotiations. He will

ensure you get just what you want for a fair price – a transaction in your best

interest.

When the seller accepts your offer, you “go under contract.” You want to make

sure every detail is handled accurately and immediately. Fred Carver will

ensure your home closes properly and on time.

Final details are handled and inspections are performed to ensure the property is

“perfect” for you. Contract details are further negotiated, and we head to

closing!

Be prepared to bring your checkbook to the closing procedure – the next steps

you will take will be over the threshold of your new home!

Real Estate brokers and their salespersons are required to disclose the type of working

relationship they have with the buyers in a real estate transaction. There are several types

of relationships that are available to you. You should understand these at the time a

broker provides specific assistance to you in buying real estate. Buyer’s Agent and

Seller’s Agent relationships are commonly referred to as “agency” relationships and carry

with them legal duties and responsibilities for the broker as well as for the buyer and

seller.

A Buyer’s Agent acts solely on behalf of the buyer and owes duties to the buyer, which

include the utmost good faith, loyalty, and fidelity. The agent will negotiate on behalf of,

and act as an advocate for; the buyer. The buyer is legally responsible for the actions of

the agent when that agent is acting within the scope of the agency. The agent must

disclose to sellers all adverse material facts concerning the buyer’s financial ability to

perform the terms of the transaction and whether the buyer intends to occupy the

property. A separate written buyer’s agreement is required which sets forth the duties

and obligations of the parties.

A Seller’s Agent acts solely on behalf of the seller and owes duties to the seller, which

include the utmost good faith, loyalty, and fidelity. The agent will negotiate on behalf of,

and act as an advocate for; the seller. The seller is legally responsible for the actions of

the agent when that agent is acting within the scope of the agency. The agent must

disclose to buyers or tenants all adverse material facts about the property known by the

broker. A separate written listing agreement is required which sets forth the duties and

obligations of the parties.

Enlisting the services of a professional Buyer’s Agent is similar to using an accountant to help you with

your taxes, a doctor to help you with your health care, or a mechanic to help you with your car. So the

first advantage is pretty obvious. If you had the time to devote to learning all you need to know about

accounting, medicine, and automotive mechanics, you could do these services yourself. But who has the

time? You probably already have a full-time career to which you are committed. This is why you allow

other professionals to help you in specific areas of expertise.

Fred Carver has devoted his time to perfecting a career in real estate service. Continuous education,

market research, and vast experience are combined with an excellent team of real estate professionals to

find you the perfect home quickly. Fred will take care of all the hassles of every day real estate

transactions for you. He will let you concentrate on your full-time job, while he does his. Fred Carver

will guide you through the home buying process and exclusively represent your interests as he helps you

find a home, present your contract offer, negotiate, and close!

The advantage to signing a Buyer’s Agency Agreement with Fred Carver, you will have a professional

working to find and secure the perfect home for you exactly when you need it. It is nearly impossible to

find a home that meets your needs, get a contract negotiated, and close the transaction without an

experienced agent. Fred has vast computer networks to make sure you only tour homes that meet your

specific needs. You won’t need to spend endless evenings and weekends driving around looking for

homes for sale or trying to search computer networks yourself. When you tour homes with your

professional Buyer’s Agent, you will already know that the homes meet your criteria for bedrooms,

bathrooms, garage space, square footage, neighborhood, etc. Also, your Agent will ensure you are

looking at homes that are in your price range.

Just as your accountant, doctor, and mechanic get to know your needs through a steady relationship, your

Buyer’s Agent gets to know your real estate needs and concerns. This type of relationship is built by

open communication at all times and by touring homes with Fred Carver, he gets a good idea from your

feedback and concerns about each home. If you try to jump from agent to agent, you will not receive the

best real estate services possible, and you will be violating your agreement to your agent. There is

nothing to gain from trying to find and tour homes on your own, and you will save a lot of time when

your agent can tell you everything about any home before you see it.

Entering into a Buyer’s Agency Agreement has countless advantages and no disadvantages. When you

sign the agreement, you are simply agreeing to “hire” a personal representative who, by law, must

represent your best interests to the best of his/her ability. All of this personal service is available at

absolutely NO COST TO YOU! The Seller’s Agent is responsible for paying your Buyer’s Agent fee.

With Fred Carver, you get a professional devoted to protecting your needs to help you make one of the

most important investment decisions of your life –- and you don’t even have to pay the fee!

When you are ready to begin looking at various houses to find your dream home, you need to prepare all

of the necessary materials to present to the lender. Your lender will tell you exactly what you can afford

so that you do not spend time looking at “too much” home. There are three key factors that you will need

to consider when determining how much home you can afford. These are 1.) the down payment, 2.) your

ability to qualify for a mortgage, and 3.) the closing costs associated with your transaction.

Most loans today require a down payment of between 5% and 10% depending on the type and terms of

the loan. If you are able to come up with 20-25% down payment, you may be eligible to take advantage

of special fast-track programs and possibly eliminate mortgage insurance.

It is often thought that bigger is better when it comes to down payments. In many cases, this may be true.

However, the arithmetic will differ from case to case. A bigger down payment means smaller monthly

payments and lowers interest expense for as long as you remain with a mortgage. This can be an

important factor for many people. But if you can put your available funds to work for you so that they

can earn more than the interest rate on your loan, you could be dollars ahead with a smaller down

payment. Also, a smaller down payment may allow you to keep you extra cash liquid and available for an

emergency.

Don’t forget to think ahead carefully. In addition to the down payment on your dream home, you will be

required to pay fees for loan processing and other closing costs. These fees must be paid in full in cash at

the time of the final settlement, unless you are able to include these in your financing. A detailed schedule

is included herein in the section detailing your closing.

Most lenders require that your monthly payment range between 30 to 32% of your gross monthly income.

Your mortgage payment to the lender includes four items….the PITI. These items are discussed in detail

on the page entitled, “Predicting Your Monthly Payment (The PITI).” Remember, when you buy a home

Investment Property all interest is tax deductible. Your total monthly PITI and all debts (from

installments to revolving charge accounts) should range between 35-40% of your gross monthly income.

This is a general rule of thumb, but other key factors specifically determine your ability for a home loan.

These factors are:

When touring homes you will find that there are many beautiful homes on the market. There are

two things you must do before looking at homes.

3. Find out from your lender how much you qualify to spend on the home. It is very easy to

become excited about features found in homes out of your price range. Before you get your

heart set on that big, tree-shaded colonial on the hill, you need to pin down your financial

details. Only then will you know if you can afford Willow Crest, or if it makes more sense to

aim for Shady Hollow.

4. Complete this list below. Please take a moment to decide what features are “Requirements”

(location, basement, number of bedrooms, eating space, architectural style, garage, etc…)

and which features are “Extras” (fireplace, walk-in closets, wet bar, pool, siding, vaulted

ceilings, deck, landscaping, etc…) . There are many different features in homes that range

from necessary to luxury. It is easy to get caught up in the excitement of a beautiful home

loaded with amenities. It is important that you select a home that truly meets all or most of

your requirements first and foremost!

As you tour homes, check back to this list to make sure the home meets your requirements. The

extras should only come into play when you make your final decision between homes that meet

all or most of your requirements.

It is important that you scout the neighborhood in person. You live

in more than your house. Talk to people who live there. Drive

through the entire area at different times of the day, morning,

afternoon, evening, and late at night, as well as going during the

week and on weekends. Look carefully at how well other homes

in the area are being maintained; are they painted, are the yards

well cared for; are parked cars in good condition. (Visit

www.mapquest/blast.ca and enter in Victoria to see map of area.)

There are many factors to consider when selecting a neighborhood that is right for you. Below

are just a few of the many factors -- You may think of others that are important to you. Please

write them on your Requirements List so they do not get forgotten.

Neighborhoods have characteristic personalities designed to best suit single people, growing

families, two-career couples, or retirees. Investigate to determine that the neighborhood in which

you choose to look for a home matches your lifestyle and personality.

Look for things like access to major thoroughfares, highways, and shopping. Listen for noise

created by commerce, roads, public areas, schools, etc. Smell the air for adjacent commerce or

agriculture. Check with local civic, police, fire, and school officials to find information about

the area. Research things like soil and water. Look at traffic patterns around the area during

different times of the day and drive from the area to work. Is the neighborhood near parks,

churches, recreation centers, shopping, theaters, restaurants, public transportation, schools, etc.?

Does the neighborhood belong to a Homeowner’s Association?

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

Address

Style of home:

Subdivision

Bedrooms:

Home is near: Bathrooms:

Living Room:

Fireplace:

Kitchen:

Dining Area:

Laundry Area:

Additional Rooms:

Garage:

Additional Features:

Lot: Square Footage:

The advantages of having Fred Carver help you purchase a new home are the same as those for

purchasing a resale home…knowledge of the market, help in finding the perfect home quickly, expertise

in contract writing/negotiation, and closing assistance. The builder has a professional representative

watching out for his needs, and you need the same expert representation.

Buying a new home is a little more difficult and time-consuming than buying a resale. Fred can

professionally guide you through this process. Fred Carver & Re/Max Camosun has experience working

with builders.

It is very important that your interests be professionally represented when you are entering into a contract

for a semi-custom or build-to-suit home. These transactions are complex and the contract details must be

exact in order to protect you and to ensure you get exactly the home you want!

􀂉 Picture ID with social security number of borrower and co-borrowers.

􀂉 Payment to cover the application fee.

􀂉 Name and complete address of all landlords for the past two years.

􀂉 Employment history for the past two years including names, addresses, phone

numbers, and length of time with company.

􀂉 Copies of your most recent pay stubs and T-4 forms (past two years).

􀂉 Verification of other income (social security, child support, retirement).

􀂉 If self-employed, you need copies of the past two years signed tax returns including

all schedules, and a signed profit and loss statement of the current year. Retirees need

tax returns for the past two years.

􀂉 If you have rental property income, bring a copy of all lease agreements.

􀂉 Copies of all bank and credit union statements for the past three months.

􀂉 Copies of all stock/bond certificates and/or the past three statements from all

investment and retirement accounts.

This article originally appeared in the Denver Post

“Should You Use a Realtor When Buying a New Home? YES!”

Think of planning a trip to Europe without the help of a travel agent…or how about buying insurance without an insurance agent?

Then imagine being involved in a major league business dispute, and you’re representing yourself in front of the judge and jury. If you

depend on people in the service industry for travel needs, filing a claim for hail damage to your roof, or handling legal matters, then why

would you want to represent yourself in the most expensive and probably most important purchase of your lifetime…your new home?

It is a common conception that buying a new home directly from the builder, without the assistance of a Realtor, will save you money.

Not so! The price of a new home is the same whether you have a Realtor or not. Since this is the case, common sense would tell you to

utilize a professional to help you with contract negotiations, researching loans, or helping you to decide which lot is best suited for you!

Phyliss Sinclair, a broker associate, has been on both sides of the fnce. For 10 years she represented builders as an on-site

salesperson. During the past three years she has represented both buyers and sellers in resale and the purchase of new homes. Sinclair

sums up new homes sales as, “A one price policy…buyers receive all of the services and don’t pay them any extra, but they also don’t

receive any discounts. I always felt concern for buyers who weren’t associated with a Realtor, as they didn’t have the support system they

deserve in such a major lifetime transaction.”

In our current, fast-paced real estate market, there are many new home communities to choose from. You need to ask yourself

some pertinent questions when looking for a new home. Is this a good builder? Does he have a solid reputation, years in business, etc.?

How does the quality of his product compare to that of other builders? What are the existing inventories of the various builders? How do

builder models meet your needs (floor plans, square footage, and location)? If I sell in a few years, what upgrades should I include to be

competitive?

When you find the answers to these questions, ask yourself if the time spent in researching these answers was time well spent – put

a dollar value on your time. Real estate professionals can be a valuable asset in collecting information in areas which may affect your

decision on the purchase of a new home.

If builders rely on real estate professionals to sell their homes, then why wouldn’t you, the buyer, take the same precautions in

assuring yourself the best service and expertise in making this important decision?

􀂉 Prepare a list of household items and their values.

􀂉 Copies of title documents for all automobiles, boats, motorcycles, etc.

􀂉 Face amount, monthly premiums and cash values of all life insurance policies. (Cash

value may be used for closing costs or down payments. You need documentation

from the carrier indicating cash value).

􀂉 Credit cards (account numbers, current balances, and monthly payments).

􀂉 Installment loans (car, student, etc.). Same details as for credit cards.

􀂉 Mortgage loans (property address, lender with address, account numbers, monthly

payment and balance owed on all properties presently owned or sold within the last

two years). Bring proof of sale of properties sold.

􀂉 Child care expense/support (name, address, phone number).

􀂉 Bankruptcy – bring discharge and schedule of creditors.

􀂉 Adverse credit – bring letters of explanation. Divorce – bring Divorce Decrees,

property settlements, quit claim deeds, modifications, etc. for all divorces by yourself

or your spouse.

In British Columbia there are three companies which provide New Home Warranties.

The terms of these warranties are the same because of government legislation.

2 Years – Against minor defects and labor

5 Years – Against water penetration

10 Years – Against major structural defects

The names and toll-free numbers of these insurance companies are:

Residential Warranty 1-800-238-3493

London Guarantee 1-800-555-9431 or website www.londonguarantee.com

National Home Warranty 1-800-243-8807 or website www.nationalhomewarranty.com

When you purchase a resale home, you can purchase warranties that will protect you

against most ordinary flaws and breakdowns for at least the first year of occupancy. The

warranty may be offered by the Seller as part of his overall package or by some Realtors

who have access to programs that will ensure the buyer against any defects in the home.

Even with a warranty, you should have the home carefully inspected before you purchase

it.

A home warranty program will give you peace of mind, knowing that the major covered

components in your home will be repaired if necessary. Ask Fred for more details about

home warranty packages that may be available for your home.

HOME

WARRANTY

You have the right to request an inspection of any property you are thinking of

purchasing by a professional inspector of your choice. You should always exercise your

option to have the physical condition of the property and its inclusions inspected. Many

of the more severe and expensive problems such as mechanical, electrical, structural, and

plumbing are not noticeable to the untrained eye. If repairs are needed, negotiate these in

your contract offer. A professionally conducted home inspection followed by a written

evaluation is becoming standard procedure in home buying because of increased buyer

awareness and savvy.

Since an increasing number of buyers are requesting property inspections, there has been

a rapid increase in the number of people entering the inspection field, the Province of

B.C. does not require testing and licensing of inspectors.

What does an inspection entail?

A qualified inspector will follow Standards of Practice in conducting their inspection.

The inspection consists of a physical inspection of the home with the purchaser present,

followed by a written report detailing their findings. They report on the general condition

of the home’s electrical, heating, and air systems, interior plumbing, roof, visible

insulation, walls, ceilings, floors, windows, doors, foundation, and visible structure. The

inspection is not designed to criticize every minor problem or defect in the home. No

home is perfect. It is intended to report on major damage or serious problems that require

repair for the well being of the home and that might require significant expense. In

Texas, a special concern is expansive soils. They can be destructive when water causes

these high clay content soils to swell and exert upward pressure on foundation and

driveway slabs. If improperly constructed, these structures can crown up in the middle.

The primary purpose of the inspection is to educate the buyer to make an informed

purchasing decision. The inspector should allow and even encourage the buyer to attend

the home inspection. A good home inspector knows how the home’s many systems and

components work together and how to minimize the damaging effects of sun and water.

The buyer’s attendance of the inspection provides them with an over all idea of possible

future repair costs and maintenance routines. This is valuable information, which could

increase the life span, and perhaps the future selling price of the home.

A competent home inspector is familiar with the latest construction materials, home

building techniques, and professional equipment. Consumers should research whether

prospective home inspectors actively monitor the changes in construction and real estate

in order to keep their business practices current and professional. Members must meet

annual continuing education requirements for this purpose.

The time necessary to properly inspect a home, as well as the fee charged by an inspector,

varies according to market location, the size and age of the home, and the individual

inspection company. However, you can expect that it will take an average of two to three

hours to competently inspect a typical one-family, three-bedroom home, with an average

cost of $200 to $400. Notify Fred Carver after the inspection is completed, about any

questions or concerns you may have.

Consumers must be cautious in evaluating some of the claims made by people hoping to

fill the growing demand for home inspection services. Many new companies request

only an application fee. Some claim to offer certification but do not require exams or

proven credentials. Still others boast engineering licenses as assurance of competence,

even though the engineering license has nothing to do with home inspecting.

Some inspectors may be qualified to provide other types of services with their inspection

that go beyond the scope of the ASHI standards.

A “closing” is the meeting the Buyer, Seller, meet with their individual lawyers for the actual

transfer of title. The purchase agreement or contract you have signed describes the property,

states the purchase price and terms, sets forth the method of payment, and usually names the date

when the closing or actual transfer of the property title and keys will occur.

Your lender will require you to sign a document, usually a promissory note, as evidence that you

are personally responsible for repaying the loan. You will also sign a mortgage on the property

as security to the lender for the loan. The mortgage gives the lender the right to sell the property

if you fail to make the payments. Before you exchange these papers, the property may be

surveyed, appraised, or inspected, and the ownership of title will be checked in provincial

records.

As previously mentioned, you should have already conducted any inspections, etc. you wish to

have done on the property.

You will also be required to pay all fees and closing costs in the form of “guaranteed funds” such

as a Cashier’s Check. Your agent or lawyer prior to closing will notify you of the exact amount.

In order to make your moving experience, we have prepared this checklist:

􀂉 Make arrangements with Moving Company

Notify the following of Change of Address:

􀂉 Canada Post (www.canadapost.com or 1-800-267-1177)

􀂉 Magazine and mail order subscriptions

􀂉 Revenue Canada (www.rc.gc.ca or 1-800-959-8281)

􀂉 Canada Pension Plan ( 1-800-277-9914)

􀂉 Friends and Relatives

􀂉 Schools

􀂉 Notify Insurance Companies

􀂉 BC Medical (www.gov.bc.ca or in Victoria 386-7171

􀂉 Life Insurance

􀂉 Auto Insurance

􀂉 Home Owners

􀂉 Transfer All Bank Accounts if applicable recommend affiliate in new city

􀂉 Transfer All Memberships

􀂉 www.victoriahomesandproperties.com Fred Carver, Re/Max Camosun.

Disconnect utilities, get refund for any deposits made and advise where final bills are to be sent.

􀂉 Water (see your Municipality office)

􀂉 Hydro (www.bchydro.com or 1-800-224-9376)

􀂉 Gas (www.bcgas.com or

􀂉 Telephone (www.telus.com or 1-888-811-2323)

􀂉 Cable (Shaw Cable Victoria 475-5655)

􀂉 Trash Removal

Cancel Deliveries

_____ Milk _____ Diaper _____ Newspaper _____ Other Obtain Medical

Records

_____ General Practitioner _____Dentist _____Optometrist ___Veterinary

􀂉 Check with insurance agent on coverage of life, car and household goods en route

to new home.

􀂉 Obtain birth certificates for all family members

􀂉 Obtain all legal documents and records

􀂉 Check to see if your will must be rewritten when moving out of province

􀂉 Have drug prescriptions refilled

􀂉 Leave all appliance warranties and plans

􀂉 Leave garage door openers

Do not transport your pets much farther than they have safely traveled in the past without

consulting your veterinarian. To transport animals by air, you need an airline-approved animal

carrier. A moving company can inform you of any state regulations for pet entry, vaccination or

quarantine procedures. Ask about regulations, licenses, tags, etc. for pets. Also, do not forget to

obtain a copy of your pet’s medical records.

Keep detailed records of all moving expenses if your move is job related. Many expenses,

including house-hunting trips, are tax deductible. If your move is 50 km or more from your

home, you can deduct your family’s travel expenses, including meals and lodging; the cost of

transporting furniture, other household goods and personal belongings; food and hotel bills for

up to 30 days in the new city if you have to wait to move into your new home; and the costs

associated with selling your old home or leasing your new home.

􀀹 Loan Application:

(Application fee is due at this time).

􀀹 Seller’s Disclosure must be signed:

􀀹 Set inspection date and time:

􀀹 Written notice due – all items from the

inspection that you wish to be repaired:

􀀹 Negotiation of inspection repair items complete:

􀀹 Insurance: (You are required to arrange for

insurance coverage and to inform your mortgage

company of your agent’s name and phone

number).

􀀹 Loan approval:

􀀹 Closing Date:

Please note: During the loan and home-buying process, you will be asked to supply

documentation, respond to phone calls requesting information, schedule dates into your

calendar, etc….

Please keep this book with you throughout the home-buying process. It is also

very helpful if you keep it for future reference.

4440 Chatterton Way

Victoria, B.C.

V8X 5J2

Fax: (250) 598-2931

Email: fredcarver@telus.net or fredcarver@remax.net

Web: www.victoriahomesandproperties.com

www. fredcarver.com

Here are list of important names, numbers and links to the World Wide Web to help you

gather more information.

Greater Victoria Chamber of Commerce 383-7191 www.gvcc.org

School District 61 Victoria 475-3212 www.sd61.bc.ca

School District 63 Saanich 652-7300 www.sd63.bc.ca

School District 62 Sooke 474-9800 www.sd62.bc.ca

St. Margaret’s School for Girls 479-7171 www.islandnet.com/~stmarg

Glenlyon-Norfolk School 370-6800 www.islandnet.com/~gns

St. Michael’s University School 592-2411 www.smus.bc.ca

Camosun College 370-3000 www.camosun.ca

University of Victoria 721-7211 www.uvic.ca

Revenue Canada Agency 1-800-959-8281 www.revenuecanada.com

Government of Canada www.canada.gc.ca

Province of British Columbia 387-6121 www.dir.gov.bc.ca

Lawyers

Mullin, Demeo & Dalsin 477-3327 lawyers@mdlawcorp.com

Pearlman & Lindholm, Vince Reilly QC 383-3344, or fax 388-5856