Prudential Convention in Las Vegas

I am away right now and heard a very dynamic speaker this morning with an incredible story. Perhaps you have heard his story. His name is Dick Hoyt and he runs marathons and triathalons with his son, Rick, who has cerebral palsey. Next month, they will do their 27th Boston Marathon and 1,000th competition.

There was hardly a dry eye in the house. Just an incredible bond between father and son.

Here is a youtube video I found with their story.

Watch Out for Mortgage Penalties

With mortgage rates at near all time lows, it is very important in these times to pay attention to early payout penalties before a seller puts their home on the market. Lately, we have been finding that newer mortgages have some things in the fine print that need to be watched.

It is common knowledge that lenders charge an early payout fee (penalty) when the mortgage is paid out prior to maturity. The two most common penalties are:
- a three month interest penalty
- a differential rate for the balance of the term between the higher rate of the paid out mortgage and the current rate
- almost always the penalty is the higher of the two.

With the present low rates, the penalty could be much higher. We heard of one recently where the penalty to pay out was $ 27,000! Today, five or ten thousand is not uncommon.

It is very important to do this research before a property is listed. This falls into the list of things that, if there is a surprise, it is a lot better to find out earlier than later.

You Kind of Had to be There

Home inspections have become an every day occurrence for real estate agents over the past ten years. For sure, that is a good thing. Real estate agents and buyers themselves usually can't be expected to be an expert on such things as electrical, plumbing and building code issues. Inspectors have come to be an integral part of the transactions.

For some real estate agents, they don't see the value of being present at an inspection. It takes a long time... there are lots of telephone calls and clients needs to attend to... there are only so many hours in a day and it is just a matter of where spending your time is of the most value. These agents also sometimes don't necessarily encourage their buyers to be present either. They'll make a superficial lockbox appearance and slide out.

Being present or not doesn't change the facts about the house, but it can affect how the problems are perceived.

The inspector wants to be thorough, and wants to do a good job for his client, and certainly has to be concerned about his liability should something not be addressed. But the problems must be kept in context. Every real estate agent will tell you about home inspector's statements that have sent red flags up when taken the wrong way or improperly explained. To me, two simple questions need to be asked to these statements: How much would it cost to fix the problem? and What would be a reasonable expectation on how long before this problem needs to be fixed?

Things can be addressed much easier when the buyer and the agent are present and can be shown the issues at hand. A meeting later in the day with a visual of a printed sheet just don't cut it. For liability purposes, an inspector will use words like "may" and "possibly" a lot. I understand why they do it... they're just being careful. That's what the buyer hired them to do, but it certainly can be taken to an extreme. A five year old roof or furnace "may" need to be replaced some day. An accurate statement that needs to be explained further. If you're not there, it may lose something in the translation.

Home inspectors have their limitations, too. They work hard to keep up to date on issues, building codes, and rough estimates on repair costs. But truly, they can't be expected to give an accurate estimate on repair or replacement costs on a particular matter. Sometimes the buyer needs to take the inspector's advice and get an accurate estimate from a tradesman on what the costs to fix the problem will be.

Remember, knowledge is power. The real estate agent can often add another angle to a home inspection issue. If you weren't there and didn't see the issue, it's a little hard to add a credible fix to the problem.

You kinda had to be there.

Our 2008 Award Winners

Congratulations to all our Award Winners, who excelled in production over the past year. All will be recognized at our annual Awards Breakfast held on Thursday, March 26th at the Charcoal Steak House.

Chairman's Circle, Gold Award

Jose Bairos

Scott and Lisa Hube

Mike Milovick

Li Li


President's Circle Award

Nina Deeb

Dorinda Orser Team


Leading Edge Society

Christian Krieger

Mary McMurran

Nino Orasanin

Kazem Zardkanlou

Eric Klimstra


Honour Society


Ken Bisson

Paul Dawson

Rena Miller

Janet Good

Tamara Martin

Jade Ho

Lucy Schito

David Kivell

Marie Miller/Jerry Jarman

Sachin Naphade

Debbie van der Schans


Rookie of the Year


Amanda Maxwell, Cambridge

Debbie van der Schans, Kitchener



Fifteen Year Legend Award

Jose Bairos

Finally Some Goods About the Economy

I know we all talk about how the press always puts the bad news on the front page and seems to make an effort of spreading bad news. With the way the economy has been for the past six months, I think they are in their glory. But, surpising enough, the last two days has brought news that it appears that the recession has "bottomed out".
This Canadian Press article which appeared in The Record today shows several signs in the United States that things are going in the right direction.
Time passes quickly. Many economists predicted that fourth quarter in 2008 and first quarter 2009 would be the worst. Guess what! That quarter will be over in a couple weeks!
Around our two offices, things seem to be picking up like a traditional spring market. Agents are busy with buyers and sellers. I read recently on an American real estate blog I follow that things appear on an upswing in many areas there as well after a two year slump.
Let's hope it keeps going.

Moving On Up

I ran across this photo several times in the past week and I really don't know its source. It certainly falls in the category of "often thought but seldom spoken."

A couple people have commented this past week that I have been slacking off on the blog, which I will acknowledge and apologize sincerely. I have been extremely busy and had a week of holidays in there, too. We're back on track now.

February 2009 MLS Statistics

Here are the monthly statistics for February, 2009.

	K-W This Month	K-W Last Year	Cambridge This Month	Cambridge Last Year
Avg. Sale Price	$ 246,846	$260,055	$245,689	$249,699
Percentage Change	-5.1%		-1.6%
Properties Sold	369	494	154	218
New Listings/Sales Ratio	49.0%	62.0%	35.2%	58.1%
Properties For Sale Now	2019	1768	953	684

Sunshine Kids Update

Here are some good works being done across the country through Sunshine Kids donations.

In Halifax, Sunshine Kids made a donation to the Halifax Children's Hospital (IWK Health Centre) towards a new nurse/patient calling system in the Children's Cancer Ward.

In Toronto, Sunshine Kids has supported Sick Children's Hospital with the purchase of five computerized IV units for the cancer/oncology department.

In Vancouver, Sunshine Kids is assisting Sick Kids Hospital with funds towards creating a recreation games room for patients.

There are several trips planned for this year. A trip from Halifax will be going to Texas to a "Country Hill Event" in June, 2009. A trip from Vancouver is going to Steamboat Springs, Colorado in March, 2009 for Winter Games. A third trip from Ottawa is planned for New York for a "Broadway Break" in July, 2009.

It's really nice and rewarding to see our hard work come to fruition.

Pat Melhuish, our Canadian president is presently working on an Ontario Gala Dinner and dance to be held on Dixie Road Mississauga on May 29th. I will pass along the details when I get them.

January 2009 MLS Statistics

Here are the monthly statistics for January.

	K-W This Month	K-W Last Year	Cambridge This Month	Cambridge Last Year
Avg. Sale Price	$ 249,972	$263,247	$239,405	$251,640
Percentage Change	-5.1%		-4.9%
Properties Sold	255	383	106	177
New Listings/Sales Ratio	29.1%	41.2%	22.0%	38.1%
Properties For Sale Now	1855	1620	876	483

Upcoming RECO Update Courses locally

I often get asked by staff for a schedule of local RECO Update courses. As most of you know, the K-W Board runs the RECO Update course every month in the board's downstairs classroom. If you wish to attend, you need to register through OREA, either online or via telephone. The fee has now been reduced to $ 60.00 and the book is no longer a handout, but a pdf file online. You can register by phone at 1-866-411-6732. Make sure you have your OREA number before you call.

Here are the upcoming dates in Kitchener:

March 18 (Larry Cerqua)
April 8 (Angie Asadoorian)
May 13 (Gwen Agboat)
June 24 (Angie Asadoorian)

New Federal Budget and Real Estate

There was not a lot of stimulus in the federal budget to affect us in the real estate industry. The only change was one that was in the works for some time.

The limit for borrowing from your RSP to purchase a home has been increased from $20,000 to $25,000 in the Home Buyers Plan. This plan has been around since 1992 and the increase is more of a housekeeping change to reflect the increases in house prices since the plan's inception. If you're not already aware, the plan allows you to borrow money from your existing RSP without paying tax on it. The funds to have to be paid back over time to avoid paying ta on the money.

The other change that is of interest to home owners is tax credits being granted over the next 12 months for doing home renovations. It is designed to help stimulate the economy by getting consumers to spend money. On the surface, it looks like a good idea to me.

You can read the article for more details in the Waterloo Region Record.

It Pays To Be Green

This is a reminder for home owners on these cold January days that there are numerous grants available to Ontario home owners to upgrade your home and save energy. Rebate grants for upgrading your furnace, air conditioner, hot water heating system, windows, and insulation are available.

The steps to Getting Started are explained here.

The Rebate Chart showing the amounts you can get back are also posted.

You need to have an audit done before you start, and then apply for the grant after the work is completed. You can get up to $ 10,000 back through the program.

HomeEnergyOntario.ca

Waterloo Region Affordable Home Ownership Program

This is just an update on an existing program run by the region. They have decided to extend the program one last time to March 6, 2009. They will be selecting about another 185 applicants after that date.

For those not aware, the program provides low to moderate income households with the downpayment loan of 5% towards the purchase of a a home. There are rules that apply and they can be found on the Region's website at www.region.waterloo.on.ca/aho. The application form is on the website as well. The buyers only have until March 30th to enter into an agreement to purchase, but there is no deadline on when the closing must occur.

The main criteria for eligibility include:
1. Maximum family income of $68,000
2. Maximum purchase price of $226,000
3. Presently do not have an interest in a home
4. Plan to live in the home as primary residence.

If you are a renter and have a family income under $ 68,000, it may be an excellent time to buy a home. The downpayment is covered, interest rates are extremely low, and there's a "buyer's market" when looking for a house.

You should call a Prudential agent today and get working through the process. As they say, time is of the essence!

Prudential Cares Grant

Prudential Cares Grants are available from Prudential Financial for your good works in the community. If you have spent a minimum of 40 hours per year volunteering in 2008, your group is probably entitles to a $ 250.00 US grant from Prudential on your behalf.

You can download the application form on PREA Centre under Community Programs, or see Goran or me. The deadline for this year's application is March 9, 2009.

Ensure the facts are correct

Some of you may have seen this article which was written by Merv Burgard in this month's Realtor Edge Magazine. His "Legalbeat" article appears there every month. Merv is a lawyer in London, Ontario and writes and teaches legal courses for the Ontario Real Estate Association.

As a Buyers agent it is very important that you check Teranet, MPAC, the municipal tax bill (if available) and DEFINITELY the property history (if it was sold through MLS previously) before they put an offer in place. Counting on the information from the listing is simply not enough.

LEGALBEAT: CHECK OWNERSHIP THOROUGHLY

The buyer signed an offer to buy a house in her own name but when the bank needed someone else on title, her mother was added to the Deed. Three years later she decided to sell the house and listed it with the same REALTOR® that helped in her purchase.
She was the only person signing the listing which had the usual clause: "6. Warranty: I represent and warrant that I have the exclusive authority and power to execute this Authority to offer the Property for sale or lease and that I have informed you of any third party interests or claims on the property which may affect the sale or lease of the Property".

The house did not sell and was relisted at $299,900. The buyers made an offer for $300,000 which she accepted. A few days later she changed her mind and told the REALTOR® that she was not going to close the deal because she was not happy with the price. She then saw a lawyer who told her that there was no deal because her mother had not signed the listing or the offer.

The buyers sued for specific performance and the court allowed that action. The evidence was that the mother was fully aware of the listing and the offer. She did not fully defend the proceedings. The court decided that the facts of this case clearly showed that the seller had her mother's authority to sign the listing and offer. On the facts the property is unique and the agreement can be specifically enforced.

McLeod v Schmidt 2007 CanLII 31753

MERV'S COMMENTS

Of course, there is more to the story. The seller is also suing her REALTOR®. She claims that he knew that her mother was a co-owner and that it was his job to add her as a seller on the listing and obtain her signature on the APS. He says he did not know that and was never told of the co-ownership.
This case shows why it is important to check ownership at the time of a listing. Ways to verify this include calling the sellers' lawyer, checking with MPAC, using GeoWarehouse or Teranet or looking at a tax bill. If you are the buyers' REALTOR® and want to protect them from unnecessary lawsuits, don't rely on the listing - do some of these checks.

Legislation Coming for Home Energy Audits

The Ontario Legislature has recently passed a second reading of a private member's bill (Bill 101) that will make it mandatory for home sellers to provide their buyers with an energy audit of the home.

Home Energy Rating Act 2008 will mean that buyers will be able to have an accurate estimate of heating and cooling costs. Also, it will encourage owners of older homes to do some retrofit work to save energy costs on furnaces, windows and doors.

As the proposed legislation reads presently, it will be phased in over the next few years. The reports will become mandatory:
a) for builders of new homes - January 1, 2010
b) for home sellers entering into a contract to sell - January 1, 2011
c) for landlords entering into lease agreements with tenants - January 1, 2012

You can read the proposed bill here.

2008 Yearly MLS Statistics

2008 was certainly a different year. We entered the year hoping to avoid getting caught in the American meltdown, and ended the year finding out that U.S. troubles were much bigger than we thought, and our attachment to their problems were unavoidable.

The numbers for the year are strange. In late spring, the volume of sales started to decline, but oddly enough, the prices continued to rise. Historically, this has never happened, and by October, the prices had stopped increasing and are now level or in a marginal decline.

The other strange thing, is how the Kitchener-Waterloo market at this point in time, does not appear statistically to be facing the downturn as much as Cambridge. To my knowledge, there is no reason for this, and I would expect this difference to level out.

The real bad news is the new listings to sale ratio. In Cambridge, for the year, the ratio has now dropped below the dreaded 50% level. This means that when you list your house, you have less than a 50% chance of selling. Not good.

Many forecasters are seeing a turn around in the spring or second quarter. Let's hope they are right. The general feeling around the office in early January is that buyers and sellers seem to be starting to take action after months of "wait and see". Let's hope that keeps up.

Here are the numbers:

	K-W This Year	K-W Last Year	Cambridge This Year	Cambridge Last Year
Avg. Sale Price	$ 264,367	$248,882	$256,044	$242,793
Percentage Change	+6.2%		+5.4%
Properties Sold	6111	6811	2521	2991
New Listings/Sales Ratio	61.0%	70.6%	48.3%	58.6%
Properties For Sale Now	1562	1231	847	736

December 2008 Monthly MLS Statistics

Here are the monthly statistics for December. I will post the 2008 annual within the next day or so.

	K-W This Month	K-W Last Year	Cambridge This Month	Cambridge Last Year
Avg. Sale Price	$ 257,076	$247,073	$245,442	$245,954
Percentage Change	+4.0%		+0.2%
Properties Sold	221	303	93	124
New Listings/Sales Ratio	52.9%	91.0%	44.6%	79.1%
Properties For Sale Now	1562	1231	847	736

A Brand New Year

I had a good conversation with my accountant, George Szczepski, yesterday as we went over some company financial statements. Of course, the conversation turned to the economy and the future of the housing market.

George thinks we are going through a "correction" rather than a recession. I tend to agree with him. With the exception of the car industry, our local economy is very sound. It's the external factors, mostly the US factors that have pulled us down. And, whether things are going north or south, we are a herd of cattle, following the one in front of us.

The stock market and the financial industry in the US is a mess. Something was going to happen sooner or later to correct the situation. People were earning millions of dollars in bonuses for managing funds that were losing money.

So... we are "correcting" as we speak. Let's hope it doesn't take too long.

Investing in real estate is still a good thing. The factors over the past few years that people have complained about were the high cost of oil and the high Canadian dollar. Well, it appears that those issues have gone away. It's just the confidence we need to get back.

Happy New Year.

Merry Christmas!

As we enter the holiday season, this article on the front page of the Waterloo Region Record caught my attention this morning.

A father-son coaching partnership in Waterloo Minor Hockey has won an Ontario award from the hockey coaches association for the work with the house league team they coach in Waterloo. The remarkable part of the story is that the son Tony, is 12 years old and has Down Syndrome.

You can check out the article HERE. It's a great story, and really appropriate for the holiday season.

Having raised two sons, I have learned and strongly believe that children become a product of their environment, or as they say, "the apple doesn't fall far from the tree." You can bet that when the kids on that team grow up, they won't have a clue how many games their team won or lost, but for sure, they will remember the coaches.

Hats off to Mark and Tony... and Merry Christmas!

Tightening Credit

My son, Craig (who is presently studying economics at Brock University) sent me this link this morning. With my blog entry yesterday, it seems appropriate to pass along the basics of freeing up cash. We've heard lots in the news about how the American lending practices have dried up even when the cost of borrowing is almost "free".

This Marketplace video explains what the American federal government is doing to try to get the money available to the grass roots business people who need the money to grow the economy.

Let's give the federal economists on both sides of the border some credit for their efforts to fix the problems. Working in the real estate business in the early 90's when we were last in a recession, it felt like we were in a sailboat on a very still day. I am not sure if it is intelligence or collective wisdom from past mistakes. They are trying hard.

Interesting. Enjoy!

Quantitative Easing

Money Lending is Tightening

The housing market in Canada is nothing like the situation in the United States. But, as time passes, more and more of the lending policies are rubbing off on us.

A couple of months ago we heard that some conventional lenders were adopting a policy of not funding student income properties.

Today I heard that a number of lenders will no longer underwrite mortgages for private sales. The reason given is the potential for fraud and other undesirable possibilities associated with private sales.

All being said, this may well be an opportunity for agents in these slow times.

The Greenrealestate Designation™

Through the National Association of Green Real Estate Agents and Brokers, (a Canadian affiliation), you can attain a designation in Green Real Estate. You can do this by taking courses and paying an annual fee.

Three of the courses (which you can take online or in the classroom) qualify for RECO credits. The courses which are good for credits are:
"Green Heating and Cooling Options for the Home" - 2 credits
"Home Energy Efficiency" - 3 credits
"Home Hydro Usage - A Primer" - 3 credits



There is also an American designation available through Ecobroker, which offers courses and a designation as well. Prudential Real Estate presently offers a $ 50.00 discount for agents who join ECOBROKER before December 31, 2008. Although the site has a Canadian section, it appears lightly used at this point in time.

Going Green!

Times change. And I think truthfully, for all considered, I think I keep up pretty well. But, I must admit that, although not a total ignorant, I have been a little slow to pick up the pace on this issue. I think the first time my eyes were opened was with the movie, An Inconvenient Truth with Al Gore speaking out.

For the most part, I have "acted" green. Susan and I both drive cars that are at the top of the spectrum in fuel efficiency. We have replaced our old furnace with a high efficiency furnace, and we've replaced most of our windows. There are numerous other things we've done but you know they're not enough. It truly is an area where you can always do better.

My son, Kyle, arrived home recently for his Christamas vacation and I was a little surprised how big his focus is on being green as a university student. I must admit he has raised my awareness level.

So... here's the first of many posts on Going Green.

I'm just going to post a couple links here. I hope you take the time to read what is happening out there related to the real estate industry.

Check out : National Association of Green Agents and Brokers

Here's another one that doesn't appear to have regular updates but none the less hass some very good points to make. The address is my greenhomeblog.com

Rest assured, there is much more to follow on this issue.

Profile: Celina Kiel, Kitchener Office

Celina Kiel is 29 and has had her real estate license for 4 months. The areas of real estate that she focuses on are Kitchener and Waterloo.

Celina moved to the Kitchener-Waterloo area 6 years ago from Poland.

Buying a Private for Sale

It happened again this week. It seems to happen in our brokerage several times a year, and it's the same story over and over again. It's just different people and different houses, but the same story.

When buyers are looking for a house, the human nature is to look at everything. Most have a real estate agent, but they look on their own, too. The internet, weekly and monthly print publications, for sale signs, and even private for sales.

When they see a house they like, and in this particular scenario, the house is usually staged to its optimum, and decorated beautifully. The buyer finds this property on their own as a private for sale. They fall in love with the house, and make a quick emotional decision to buy the house, without consulting with an agent. The asking price is too high but that's OK because they really love the house. I truly think that, in some cases, they don't even think about the price. They just want the house. (We're all guilty of that, but in most cases, it would be on much smaller ticket items.)

So, as the story goes, two or three years pass and family circumstances change and they need to sell the house. They call over an agent and, it becomes apparent that the house is not worth what they think it is worth. Often it doesn't show as well as when they bought it because they don't quite have the flair for decorating as the previous owner. They now have two choices, list it at market value and take a hit or list it proportionately high to the mistake they made when they bought it.

More often than not, they take the higher route, because it is less painful. But, of course, the house never sells. So later they reduce and take the hit. When the market was good, it sometimes seemed less dramatic because prices were going up and the property caught up to the market. It seemed that way, but the mistake was really made when they made the purchase, not later.

This brings me to my point. Why would any buyer go out and make the biggest investment of their life without a professional to guide them? Especially, when their fee is being paid by the seller! It makes absolutely no sense! There are so many things to consider when looking at a house and drafting an agreement of sale. Most buyers don't even know what to look out for. Pricing , of course, is one of the biggest issues. A salesperson can show a buyer what comparable houses in the neighbourhood have sold for recently. Do you think the seller is going to show a buyer comparable sales that show his property is $ 25,000. higher than the last comparable sale?

November 2008 Monthly MLS Statistics

Sorry for the delay. There were issues with vacation and the official statistician, (AKA Debbie). There is not much of a surprise here. My only comment would be based on press releases over the past week or two, that Waterloo Region is not as bad as the rest of the country. Canadian Press had a headline this week stating that Canadian real estate prices are down 10 per cent. This is truly not the case locally. We did not have the big spikes seen in Calgary, Vancouver, or Toronto, so we are not seeing the declines either.

Here are the November 2008 MLS monthly statistics from our two real estate boards:

	K-W This Month	K-W Last Year	Cambridge This Month	Cambridge Last Year
Avg. Sale Price	$ 267,423	$261,467	$244,189	$242,673
Percentage Change	+2.3%		+0.6%
Properties Sold	296	501	123	196
New Listings/Sales Ratio	53.2%	84.9%	33.9%	65.4%
Properties For Sale Now	1316	1137	846	733

Appealling Ontario Assessments

One thing that seemed to have slipped through the cracks with regards to the new 2008 Ontario property assessments, is that when a property owner wants to appeal an assessment, the assessor now has the obligation to prove the assessment is correct rather than the taxpayer having to prove the assessment is wrong. This is the exact opposite of how it used to be.

If your client wants to appeal their assessment, you should direct them the MPAC website where it describes the new procedures.

It explains how your assessed value was arrived at, gives you an opportunity to look at other comparable properties, the procedures to follow to apply for an appeal, and the relative forms.

From past experience, and I assume that the policy is the same, I have found they are very receptive to your requests, and will listen to your argument. If you can back up your claim, they will certainly change your assessment. I am not sure if the new policy will change this. I guess we'll have to wait and see.

Rural Properties and Well Water Testing

When you are selling a rural property now, more than ever, you must cover your bases to protect your buyers and sellers. Since the Walkerton situation a few years ago, the province has taken an agressive stance to ensure safe water for all of us. Clean drinking water is no longer an assumed.

When listing a rural property with a well, the prudent thing to do is take a water sample right away. You can get a well sample bottle (the only sample bottle acceptable)at Waterloo Region Public Health located at 99 Regina Street South in Waterloo (3rd floor) or at 150 Main Street, Cambridge (Main floor) between 8:30 and 4:30 Mon-Fri. You can also pick one up at the Township Offices during regular business hours. Water samples must be filed in the name of the property owner and their address. Samples done through an agent and their address are unacceptable.

Take your water samples into those two main locations early in the day to ensure they get to London for testing the same day. Results are mailed back to your Seller quickly at the address specified on the form.

Locally, tests are sent to London daily for testing. For accurate results, you should either take the sample early in the morning before submission, or late the day before, and refrigerate. Property owners are encouraged to take test 3 times a year, but we usually find out that this is not the case. Make sure you let the water run for a while before taking the sample.

Tests are required by the buyer, not only for peace of mind, but usually the Mortgage Company requires it as a condition of financing. Tests are done for bacteria, including total coliforms, and E. Coli bacteria. Normally, an acceptable clean test in the time range around closing meets the condition for the agreement.

Should the results come back with unsatisfactory results, the problem needs to be rectified. In the situation of a poorly maintained well, it may require a well disinfection to "shock" the well. This is a relatively complicated exercise that requires care and skill. The Seller should seek help from the local authorities. Often, after a shocking treatment, the second water test comes back with a good report.

If a satisfactory test result is unattainable, there are other options. Chlorinators, ultra violet light filters, distillers, and ozonators are options. But, of course, these options cost money and somebody has to pay. That's why it is important to look at the test results when you are listing the property. It makes for less surprises later on. If the buyer is going to have to deal with unacceptable water, then the issue becomes part of the negotiation into the sale price.

Kathleen Anne Clyson - Kitchener Office

Kathleen Anne has been licensed for 2 years and specializes in residential resales. Kathleen Anne has received the President’s Circle Award and the Honour Society Award.

Kathleen Anne grew up in Windsor, Nova Scotia, and moved to the Kitchener Waterloo area 19 years ago. Before entering the Real Estate Profession Kathleen Anne worked for Rogers for 10 years as a manager. Kathleen Anne is also a paramedic by training with Advanced Cardiac Life Support designation.

Kathleen Anne works in a team with her mom in the real estate field.

Kathleen Anne and her husband Rob have two children, Grace (4) and Gryffin (2). When she isn’t busy selling houses Kathleen Anne is active with her church and enjoys travelling and outdoor activities with her family