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Serving Ontario, Canada.

Closing costs explained — the expenses most Canadian buyers forget to budget for. 🏡💰Your down payment isn’t the only cas...
10/26/2026

Closing costs explained — the expenses most Canadian buyers forget to budget for. 🏡💰

Your down payment isn’t the only cash you’ll need at closing. Here’s what to plan for 👇

Land Transfer Tax: Varies by province, and sometimes by city.

Legal Fees: Typically $1,000 – $2,000 in Canada.

Title Insurance: Typically $200 – $400.

Home Inspection: Usually $350 – $750.

Adjustments: Repayments to the seller for prepaid property taxes, condo fees, or utilities.

💡 Total closing costs typically range from 1.5% to 3% of the purchase price, depending on your province, property type, and situation.

Budgeting for these upfront means no surprises on closing day. 🔑

Thinking about buying in Canada and want help mapping out your full budget? Message me! 📩

🌐 www.HiramGonzalez.ca

🚨 CMHC Last Call SeminarEdmonton multifamily just got a deadline — and so did you. ⏳Join Jake Steinman, CEO and Broker o...
10/23/2026

🚨 CMHC Last Call Seminar

Edmonton multifamily just got a deadline — and so did you. ⏳

Join Jake Steinman, CEO and Broker of Record of Meta Realty Inc., for a no-fluff briefing on the state of the market and why now matters.

📅 Thursday, November 5 - 7:00 PM EST
📍 8 Prologis Blvd, Unit 103, Mississauga
🏗️ The Edmonton zoning rollback explained
📊 The new CMHC MLI Select math
💰 Where deals still pencil — and where they don’t
⚠️ Why waiting until 2027 costs you the window

🔗 Reserve your spot: calendly.com/metarealtyinc/cmhc-last-call-seminar

🌐 www.HiramGonzalez.ca

8-unit new development in High Park, Edmonton, Alberta. 🏘️🇨🇦📊 The Numbers💵 Down Payment: $301K📈 Annual Cash Flow (Year 1...
10/22/2026

8-unit new development in High Park, Edmonton, Alberta. 🏘️🇨🇦

📊 The Numbers
💵 Down Payment: $301K
📈 Annual Cash Flow (Year 1): $7.8K
📊 Cap Rate: 5.2%
🔒 DSCR: 113%
🏗️ Purchase Price: $2.15M

High Park is an established Edmonton community with steady rental demand and long-term growth potential. For investors focused on stability and fundamentals, this one delivers. 📍

Want the full investment breakdown? Message me today. 📩

🌐 www.HiramGonzalez.ca

Sale price vs list price — do you know the difference? 🏡These two numbers tell very different stories, and understanding...
10/20/2026

Sale price vs list price — do you know the difference? 🏡

These two numbers tell very different stories, and understanding both is key to making smart decisions in Canadian real estate.

List Price
The price a seller sets when a property is first put on the market.

Sale Price
The final price the property actually sells for after negotiations.

💡 The gap between them reveals a lot. In a seller’s market, homes often sell above list. In a buyer’s market, there’s typically more room to negotiate below it.

Looking only at list prices gives you an incomplete picture. The sale price is what actually reflects the market. 🔑

Want to know what homes are really selling for in your area? Message me today. 📩

🌐 www.HiramGonzalez.ca

What is a mortgage pre-approval, and why should it be your first step? 🏡📄A mortgage pre-approval is a lender’s written c...
10/16/2026

What is a mortgage pre-approval, and why should it be your first step? 🏡📄

A mortgage pre-approval is a lender’s written confirmation of how much you may be able to borrow.

Here’s why it matters 👇

Confirms Your Budget
Shows how much you may qualify to borrow before you start looking.

Based on Your Financials
Lenders review your income, credit, and existing debts to determine your purchasing power.

Helps You Shop With Confidence
You’ll know your price range before you start house hunting — and sellers take your offer more seriously.

💡 Getting pre-approved doesn’t commit you to anything. It simply gives you clarity and strengthens your position when the right home comes along. 🔑

Thinking about buying in Canada? Let’s make sure you start the right way. Message me today. 📩

🌐 www.HiramGonzalez.ca

How much do you actually need for a down payment in Canada? 🏡💰The minimum changes based on your purchase price — here’s ...
10/14/2026

How much do you actually need for a down payment in Canada? 🏡💰

The minimum changes based on your purchase price — here’s the breakdown 👇

Under $500,000
5% minimum down payment

$500,000 – $999,999
5% on the first $500,000 and 10% on the portion above $500,000

$1,000,000 and above
20% minimum down payment

💡 One important note — if you put down less than 20%, mortgage default insurance is required, which gets added to your mortgage.

🏢 Investing instead? The rules are different. Programs like CMHC MLI Select can allow investors to purchase multi-family properties with a significantly lower down payment than conventional financing requires.

Knowing your number is the first step to knowing your budget. 🔑

Thinking about buying or investing in Canada and want help mapping out your numbers? Message me today. 📩

🌐 www.HiramGonzalez.ca

Happy Thanksgiving from Hito Homes to yours 🍁🧡Wishing you a day filled with good food, great company, and many meaningfu...
10/12/2026

Happy Thanksgiving from Hito Homes to yours 🍁🧡

Wishing you a day filled with good food, great company, and many meaningful moments in your home.

This time of year is a reminder of what matters most — the people around the table, the roof over our heads, and the memories we build inside the places we call home. 🏡

Enjoy the long weekend with the people you love. Happy Thanksgiving, Canada! 🦃🇨🇦

Dreaming of a home? Message me today and let’s make it happen. 📩

🌐 www.HiramGonzalez.ca

🏡 BEAVER BUNGALOFT | West Grey Meadows, OntarioMeet the Beaver Bungaloft — a spacious home designed for modern living.💰 ...
10/11/2026

🏡 BEAVER BUNGALOFT | West Grey Meadows, Ontario

Meet the Beaver Bungaloft — a spacious home designed for modern living.

💰 From $524,779*
📐 2,233 sq. ft. | 3–5 Bedrooms
🚗 2-Car Garage
💵 10% Down Until Closing*

Open-concept living, generous square footage, and thoughtful design in a growing Ontario community — all at a price point that still makes sense.

📩 Message me for floorplans, pricing, and full project details.

🌐 www.HiramGonzalez.ca

🏡 TRAILS OF WHITEVALE | PICKERING✨ NOW LAUNCHING — Freehold homes from $659K📍 Whites Rd & Whitevale Rd, PickeringA brand...
10/09/2026

🏡 TRAILS OF WHITEVALE | PICKERING

✨ NOW LAUNCHING — Freehold homes from $659K

📍 Whites Rd & Whitevale Rd, Pickering

A brand new community by Sundial Homes, surrounded by protected greenspace, woodlands and scenic trails — while keeping you connected to the GTA via Hwy 407 and 401.

🏠 Townhomes from $659,990 — 1 & 2 car garage
🏡 30’ Detached from $839,990 — 1 car garage
🏘️ 36’ & 40’ Detached from $939,990 — 2 car garage
📐 Homes up to 3,004+ sq. ft.
✨ Freehold — no maintenance fees
🚪 Select designs with separate entrance

🔥 Why Trails of Whitevale?
✔️ Freehold living with no monthly maintenance fees
✔️ Spacious layouts for growing families
✔️ Close to Hwy 407 & 401
✔️ Near Pickering GO and everyday amenities
✔️ Surrounded by protected greenspace and trails

📩 Message me for floorplans, pricing, and full project details.

🌐 www.HiramGonzalez.ca

Months of inventory, here’s what it means 👇Less than 3 months — Seller’s Market📈 High demand🏡 Fewer homes for sale💰 Pric...
10/07/2026

Months of inventory, here’s what it means 👇

Less than 3 months — Seller’s Market
📈 High demand
🏡 Fewer homes for sale
💰 Prices tend to rise

3 to 6 months — Balanced Market
⚖️ Supply and demand are more balanced
📊 Moderate price growth
🤝 More negotiation opportunities

More than 6 months — Buyer’s Market
🏘️ More homes for sale
📉 Lower demand
🔑 More negotiating power for buyers

💡 Quick Formula
Months of Inventory = Total active listings ÷ Average monthly sales

Understanding this one number helps you know whether to move fast or negotiate hard. 🔑

Want to know what the inventory looks like in your market? Message me today. 📩

🌐 www.HiramGonzalez.ca

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8300 Woodbine Avenue Fourth Floor
Toronto, ON
L3R9Y7

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Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

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