Planning Your Home Sale

Josh Perez • May 1, 2024

Today I want to talk to you about something crucial if you're thinking about selling your home within the next 18 months. Trust me, it's never too early to start planning.



Let me break it down for you. Selling your home isn't just about putting up a "For Sale" sign and waiting for offers to roll in. It requires strategic planning and constant evaluation, especially in today's ever-changing market. That's why I recommend refreshing your plan every three to four months to stay ahead of the game.

"If you're planning on selling your home in the next 18 months, you need to start to plan now."

Why so frequent, you ask? Well, there are countless variables at play that can impact your affordability when transitioning from selling to buying. From market trends to personal finances, it's essential to keep a close eye on the evolving landscape.



So, how do you build the right plan? It starts with anticipating different outcomes and understanding how they'll shape your financial options for your next home. Whether it's allocating funds for a down payment, covering closing costs, or even setting aside money for moving expenses, every detail counts.

Flexibility is key here. As you navigate the selling process, be prepared to adjust your criteria for your next home based on your evolving priorities. Whether it's location, size, schools, or price, each factor plays a role in shaping your future abode and neighborhood.


The bottom line? Let's kickstart your plan today. By mapping out every detail and staying proactive, we can ensure you land in the home and neighborhood that truly fits your family's needs and desires.

Ready to take the first step? Reach out to me, Josh Perez, and let's craft a personalized roadmap to your dream home. Your future starts now!


Cheers,

Josh Perez


Josh Perez
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What Older Canadians Should Know About Mortgage Financing

By Josh Perez • October 7, 2026
Retirement doesn’t always mean a mortgage-free life anymore. And that’s okay. Between higher home prices, rising living costs, and longer life expectancy, many Canadians are choosing to retire with a mortgage or refinance later in life to create more flexibility. The goal isn’t perfection. It’s having options that actually support the life you want to live. If you’re thinking about how a mortgage fits into your retirement years, you’re not alone—and you’re not out of options. Why work with an independent mortgage professional? Because retirement financing is not one-size-fits-all. Unlike a single bank, an independent mortgage professional can look across multiple lenders and solutions to find what truly fits your income, equity, and long-term plans—not just what one institution offers. Mortgage options available in retirement Traditional Mortgage Solutions Many retirees still qualify for standard mortgages. Pension income, investment income, and other retirement sources can often be used to support an application. If you have good equity and solid credit, this is often the lowest-cost option. Reverse Mortgages For homeowners 55+, a reverse mortgage can unlock tax-free equity from your home with no monthly payments required. There’s no income verification or medical questions, making it a helpful option for those who want to improve cash flow while staying in their home. Home Equity Line of Credit (HELOC) A HELOC allows you to access your home equity as needed and only pay interest on what you use. Many retirees appreciate the flexibility and like consolidating income and expenses in one place. Private Financing Sometimes life throws a curveball. If timing, income, or credit create challenges, private financing can act as a short-term bridge. It’s not usually the first choice, but it can provide solutions when traditional lenders can’t. If you’re approaching retirement—or already there—and wondering how your mortgage fits into the picture, let’s talk. A clear plan can make retirement feel a lot more secure and a lot less stressful.
Modern two-story house with a garage at sunset, warm lights on and a landscaped front yard

Self-Employed and Turned Down for a Mortgage? Your Income May Need a Different Approach

By Josh Perez • October 6, 2026
Self-employed in Ontario and denied a mortgage? Learn how lenders assess business income, documents, deposits, dividends, and alternative mortgage options.