
Tags: Credit Score
Credit: Knowing Your Score And How It Works
Posted by:
Steven Ho
in
Real Estate Resource Center
Date:
September 25, 2013
Mortgage rates and products are constantly changing, and the Canadian market is more competitive than ever before. By working with a Mortgage Professional (Broker), you can access all your mortgage options with just one phone call, one application. A mortgage professional works for you, on your behalf, to find the right mortgage for your situation with whatever lender is the best fit for you, whether it’s a major bank or private lender.
Being able to borrow money from lenders for major purchases like a home or car and how much it will cost you to do so is determined by a number of factors and largely affected by your credit score. Lenders use more than just your credit score to evaluate your credit worthiness and determine whether they will extend credit to you however it does form a major component in the lending process.
In this economic time when lenders are a lot tighter with their money and much more selective on whom they lend it to it is increasingly more important to maintain a good credit score and know how to improve a less than perfect one.
A credit score is a statistical analysis of a person’s credit files which generate a 3 digit number between 300-900 and is used to estimate a person’s credit worthiness (willingness to repair their debts). The higher the score, the higher the persons credit worthiness. Lenders can use this number with some accuracy to predict how likely a borrower can and will repay a loan and make payments on time.
There are 2 credit reporting agencies in Canada; Equifax and Transunion. Consumers can request a copy of their report including their score online (in the links above) for a fee or in writing for free but must be delivered by mail. When consumers inquire into their own credit report it has no impact on their score.
What does the score mean?
700+: Excellent Credit and will have access to the best terms, options and interest rates.
680-699: Very good credit and that you are in good shape to obtain credit with very good terms and best rates.
660-679: OK credit and will still have access to many financing options however perhaps not be eligible for any lender exceptions to any of their guidelines.
640-659: Borderline and other parts of the application must be strong.
620-639: Very weak but possible with higher down payments, much higher interest rates and fees, and less flexible terms would be offered.
600-619: Difficult but again under special programs or private financing is possible.
Below 600: Very difficult. In some cases large equity positions in a home will offset the risk with higher rates and fees. It would be advisable to fix your credit first.
What affects the score?
There are 5 factors which make up how the credit score is determined and each factor is weighted based on how it helps predict a person’s ability to take on additional credit.
Payment History: 35% – paying debts on time positively impacts your credit. Late payments, collections, judgements, bankruptcies and writeoffs have a negative impact.
Amount of credit owning: 30% – this is the amount owed on accounts in proportion to the total credit limits in available credit. Keeping balances at their maximum even if being paid on time can have a negative effect on your score.
Length of your credit history:15% – this is the time that your credit facilities have operated for. The longer the time frame opened with a good payment history the better the impact has.
Types of Credit used: 10% – a mix of types of credit facilities between installment loans, revolving credit and lines of credit cards is better than only 1 type of facility.
New credit or inquiries: 10% – Evaluates the number and types of newly opened credit in comparison to total number of accounts and facilities. Also evaluates recent inquiries.
How to Improve your Credit Score
If you find yourself in a position with a weak credit score and would like to know how to improve your credit score quickly in order to qualify for better terms and interest rates, here are a few tips. Note: Keep in mind it will take time to have your efforts reflect onto the credit bureau so plan at least 3-6 months or longer, depending on how much improvement is needed.
First off, make payments on time and higher than the minimum payment required. Even just $10 more than the minimum payment will have a positive effect. Also, get the balances UNDER 80% of the limits and don’t allow it to go above. (*Example: If you have a credit card with a $0balance and another is at it’s upper limit, transfer some of the balance to the $0 balance card and make payments higher than the minimum on both). Do not close credit facilities that have $0 balance. This will positively impact your length of credit history of your credit bureau and the balance-to-limit ratio. **Caution: Don’t open new credit thinking this will do the same.
Ensure that collections and judgements are paid in full and more importantly, be diligent about getting your credit bureau updates to reflect PAID. Having paperwork to prove it is not the same as having a credit score to show for it. It is Crucial you make sure your credit bureau is accurate.
If you have had credit problems in the past, lenders will want to see that you have a minimum 24 months current period operating a minimum of 2 credit facilities in good standing and as agreed. Any slip ups, even 1 day late payments, will be seen as a pattern of poor credit usage you will not be offered credit or will have to accept much higher interest rates.
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My Recent Testimonials
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“Steve was very trusting right from the start. Stayed open and honest through out the selling process. Also kept me in the loop during the process. Great experience and would definitely recommend him”
Read More from
Jordan Kotack - Milton -
“Steve was extremely knowledgeable, accommodating and responsible. He was always attentive yet not overbearing, and explained a much complicated process into simple terms for the average person to understand. Steve understands people and is someone you can trust with a big decisions like purchasing a home. Reliable, open communication and professional, these are qualities you want in a real estate agent. I would (and have) recommend Steve to my friends and colleagues if they are in the market for a home, I am sure he will not disappoint! Don't change Steve!”
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Joey P -
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Jimmy Mississauga -
“Steven Ho was focused on helping me with my wants and needs. I felt he helped me with my options and the considerations of the future and our family needs. Steven Ho cares about the client and goes out of his way to make sure me as a client knows and understands each process when buying a home. Thank you Steven Ho for the great experience! I would recommend Steven Ho to my friends and family.”
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Jessie W, Mississauga -
“Steve made me feel very comfortable and was very informative in all our interactions. He took the time to show me several different condo units and ensured I considered all my options during my search. Steve's excellent communication skills and positive attitude made my first purchase seamless. I would recommend Steve to anyone looking for a reliable and trustworthy agent! Thanks SteveO!!!”
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Jeff Cao, Mississauga -
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Dan, Richmond Hill -
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Dr. Teosar and Yesna Bhesania -
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Anonymous -
“Steven Ho is extremely professional. He knows how to handle many tough and challenging situations, and is always calm and relaxed. It makes yourself feel at ease. He is also very knowledgable about many different communities on the market, and will help you to the best of what you are looking to achieve for your personal buy or sell to the best of his abilities. I have used him for both. I would recommend Steven Ho to anyone trying to Buy or Sell.”
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James Opavsky - Oshawa -
“We had an agent like 6 months ago, but he didn't seem to understand what we need and don't have enough local knowledge. So we decided to switch. We as newcomers and first home buyers in Toronto, really hope that we can have someone can guide us through the process. And Steven did a great job. Our whole process would have been smoother if we follow all his advice. Steven can be reached whenever we need his help. And he will explain many things that are new to us in details, even before we realize what needed to be paid attention to.”
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Jiaen Lin, Missisauga -
“Steve had a great understanding of our needs as a first time home buyers. He went above and beyond to deliver on his promise for our first home. He was very helpful and made the process very smooth for us. My wife and I are glad that we chose him as our agent. I would definitely refer Steve and Better Homes and Gardens Real Estate to all my friends and family in need of a property.”
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Harshil Patel, Mississauaga -
“Steven provided incredible service and was always available during the process. It took me around 5 months to purchase a home and Steven invested a lot of time into showing me houses and lining up comparable homes to the place I liked. He was able to negotiate after the home inspection and get me what I wanted and in the end, Steven even helped me unload the moving truck and welcomed me into my new home. I know no one is perfect and excellent should be really hard to achieve but Steven really does perform above expectations. My Mom was along for the ride in viewing houses and helping me with my decision; my Mom was very impressed by Steven and it was her first time interacting with him. If we were to do it all over again we would choose Steven 100%.”
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Hazel, Brampton -
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Daniel Fulton, Etobicoke -
“I have dealt with many real estate agents in the past, and I would have to say that my experiences were not good or neutral. All of the agents I've dealt with before did less work than I did in terms of researching or marketing than I did myself. Steven is a refreshing change in that he comes across as a genuine person. When he tells you his opinion, he's not afraid to tell it like it is about a property or a situation. I value that, as an agent's professional, critical opinion is really the only thing of value to me. Anyone can do paperwork and take money in trust. I also personally found Steven to a very relatable guy, so this made spending time with him and conversing with him that much more enjoyable and efficient. I have no reservations about recommending Steven. He is a hard worker, knowledgeable about the geography and homes themselves, and gets back to you quickly.”
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Cecil, Mississauga. -
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Bozena Kowalska -
“From the beginning, we could see that Steven considered all our needs and expectation. Probably he could see that we have no idea what the market looks like in this days but with his knowledge and professional approach he “walk us through” our first steps to purchase new property. If not for the Steven’s dialogs with the sellers and handling the negotiations the way, he did we probably would not by this property. His tactic and professionalism kept us calm and helped us to think clearly and realistically. We loved Steven’s service. Our family (few members met Steven) we think that Steven is an excellent agent. Because of Steven we purchased home we absolutely love. Because of him we did not give up to look for the property till we found the one we fell in love. We are regular hard working couple and we are so happy that Steven was our agent. Because of him we did find our dream home. Maybe it is not the castle for the others, but it is for us. We are really so lucky that we met Steven and trusted him.”
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“We were impressed by Steven's outstanding customer service. His responsiveness to our questions/communications put us at ease with our house selling/purchase which was stressful at times. Steven took care of all the details when we needed to list our house, from professional photos/virtual tour to staging. He is also a great negotiator who was looking out for our interest to get the best possible deals for us (both selling and buying). We would highly recommend Steven to anyone for their real estate needs.”
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Lisa T., Mississauga -
“Steve was a fantastic agent to work with! He is very upbeat, positive and friendly...he made sure that our needs were taken care of at all times. He was knowledgeable and trustworthy which made the entire process of selling our home convenient and hassle free. We felt like Steve truly listened to us and valued what we had to say. He never pressured us into making decisions when we weren't ready. We would recommend him to friends and family with confidence that they will have the same great experience that we had. We were able to sell our home well over asking...which speaks to his fantastic abilities to sell homes! Thanks Steve!”
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The Kroekers -
“Working with Steven was fantastic. He is a real professional! Great experience to do business with Steven and professionals working along with him!”
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Tomas Andrassy, Mississauga -
“We were introduced to Steve more than 5 years ago when we were looking to buy a new construction condo for investment. Steve was was very helpful in advising and finding us the right developer and building, understanding our needs and wants. To this day we are very happy with his recommendation. Based on this very positive experience, we asked Steve to find us a condo for our own living since we wanted to downsize. He was very patient with us taking us for numerous showings in various parts of the city. This process took over 3 years and with his broad market knowledge and advice he was always ready to point us the pros and cons of each property. When he finally found us the unit we really liked, he did a great job of negotiating the right price for us. It was a highly positive experience from start to finish. Steve is very friendly, approachable, easy to deal with and communicate. He works very hard for his clients. We are very pleased with his services and highly recommend him to anyone.”
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Varuna & Manori Indraratne, Toronto -
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Tyrone & Melissa Hinds, Brampton -
“Our experience buying our first home with Steven Ho was fantastic! He was very knowledgeable, friendly and accessible. We would highly recommend his services!”
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Georgetown Ontario -
“Steven Ho made our first home purchase experience extremely satisfying. He was there to offer his helpful insight with all the properties we viewed. When it came to the actual negotiations he was able to get us a deal below the asking price when it was a seller's market! I highly recommend Steven to anyone especcially first time home buyers”
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Raymond, Mississauga -
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James, Mississauga -
“Steve is the best. He gets results.”
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Dave T -
“Mr Steven Ho has demonstrated professionalism during the whole progress of the deal. He is patient, detailed and passion to helping me for reaching, offerings, closing and follow up all in order to compete the deal. Very appreciated for his working attitudes and wish to contact him again for my next purchase.”
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Freda Wong, Mississuagua -
“Thank you for the successful sale of my home. Steven Ho presented himself in a professional calm manner, most knowledgeable and considerate of my needs. Thank you for your hard work, dedication and guidance through the negotiations. I sincerely wish you all the success in the future. I am pleased to recommend Steven without hesistation.”
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Pranay Naik, Mississauga -
“Overall I had a great experience. Steven Ho was with me through the entire process, we looked at over a dozen places, and we had great conversations about what I needed and was looking for. He was always available, informative, punctual, flexible, and professional. We also had a great time on the road. Buying your first home can be very stressful but Steven's humor and positive attitude helped make the situation more comfortable and enjoyable. I have recommended Steven Ho to friends and family and he will be my broker the next time I buy/sell a house.”
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Jordan K, Milton -
“I used Steve because I see him multiple times a week and thus, have a full understanding of his character which is quite high. Honest, with high morals. Focuses on his clients needs rather than trying to sell the highest price property. Very hard working and almost always available.”
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Jimmy in Mississauaga by Square One -
“Steven Ho is friendly and a pleasant man. He is very knowledgeable and expertise with the field of real estate. He helped me a lot whatever I gave a call to ask him even it was very minor thing. He will call me within a day and answered what I really want to know. He is so enthusiastic and very careful for the client needs. Therefore there is no problem I will recommend to my friends and continuous the relationship with him.”
Read More from
Fiona Chan
“Steve was very trusting right from the start. Stayed open and honest through out the selling process. Also kept me in the loop during the process. Great experience and would definitely recommend him”
Jordan Kotack - Milton
October 30, 2020
“Steve was extremely knowledgeable, accommodating and responsible. He was always attentive yet not overbearing, and explained a much complicated process into simple terms for the average person to understand.
Steve understands people and is someone you can trust with a big decisions like purchasing a home. Reliable, open communication and professional, these are qualities you want in a real estate agent.
I would (and have) recommend Steve to my friends and colleagues if they are in the market for a home, I am sure he will not disappoint! Don't change Steve!”
Benjamin Li, North York
October 30, 2020
“A true professional to deal with. Very through in all aspect of the selling process and kept us inform at all stages. Very passionate about his work and genuinely care about his clients!”
Joey P
October 30, 2020
“Moving to Ontario from another province can be both stressful and challenging, Steven was able to work with our out of province agent to facilitate the sale and purchase of homes across provincial borders. Steven's knowledge of the region and real estate advice were spot on and helped us choose our new neighborhood.”
Heidi and Bryan, Etobikoke, On
October 30, 2020
“Get Steven Ho as your real estate agent period! He is dedicated in guiding and finding the right home for you. He was available and quick to respond to any concerns or questions during my house hunting process. After a 1 month of non stop viewings and after 7 offers, I finally was able to secure a property with Steven’s guidance. With the market being so hot, not once did he lose patience with my anxiety and uncertainty of buying my first condo. No other options, Steven Ho is your guy!”
Vincent Camacam, Mississauga
October 30, 2020
“Steven was fantastic to work with! He made the entire buying and selling process so easy for us. It can be a stressful experience, but he was able to guide and direct us to be exactly where we needed to be.
He was professional and knowledgeable throughout the whole process. We are moving into a beautiful home and sold ours, much to our delight! Thank you Steven for all of your help. We highly recommend you :)”
Brittany Kroeker. Milton
October 30, 2020
“Steven Ho was an absolute delight to work with! He is highly knowledgeable and ensured that we were asking the right questions and also getting the right answers as a couple of first time home buyers. It was such an important purchase and milestone for my boyfriend and I, we really wanted someone who had our best interest at heart and guide us through every step of the process. Steven was always excited to show us many different units that were suitable for our needs and meets our requirements. In fact, he made sure we had our list of non-negotiables down pact and kept our focus on the important check boxes, so we didn't get distracted from our goal. Steven is very personable & funny but also timely and professional! He made what could have been a very tough experience a light hearted and happy memory we will never forget. Thank you!”
Melissa Tang, North York
October 30, 2020
“Steven was a consummate professional throughout the whole process of buying our ‘forever’ home. He was very patient with our seemingly endless demands, and was able to narrow down our ‘must haves’ that fell within our rigid budget. Before the process, I knew Steven on a personal level, and I’m happy to say that now know him on a professional level!”
Kyle, Milton
October 30, 2020
“Steve Ho went above and beyond. When selling my condo, he saved me lots of time and money as I did not have to stage the property or receive any showings are open houses.
Steve sold my property to a friend of his at fair market value. Huge time-saver!”
Jimmy Mississauga
October 30, 2020
“Steven Ho was focused on helping me with my wants and needs. I felt he helped me with my options and the considerations of the future and our family needs. Steven Ho cares about the client and goes out of his way to make sure me as a client knows and understands each process when buying a home. Thank you Steven Ho for the great experience! I would recommend Steven Ho to my friends and family.”
Jessie W, Mississauga
October 30, 2020
“Steve made me feel very comfortable and was very informative in all our interactions. He took the time to show me several different condo units and ensured I considered all my options during my search. Steve's excellent communication skills and positive attitude made my first purchase seamless. I would recommend Steve to anyone looking for a reliable and trustworthy agent! Thanks SteveO!!!”
Kevin Nuckchadee
October 30, 2020
“It's always great working with Steven.
Seeing that I'm located in Vancouver I needed an agent who I could trust and have take the lead. Steven was the best man for the job.
Neelin”
Neelin Parmar, Vancouver
October 30, 2020
“We couldn't ask for more. Mr. Ho helped us sold our house within a week with higher than our expected price. Great job!”
Jeff Cao, Mississauga
October 30, 2020
“Steven is a great, accommodating broker which fit very well with our style and our needs. He was quick to respond and very flexible with his time. He quickly figured out what our needs were and presented us with viable properties in a short period of time. I would work with him again.”
Dan, Richmond Hill
October 30, 2020
“Steve was extremely helpful in getting and maintaining the house . He provided excellent service , and looked after all the details. He was easy to communicate with, and kept us updated with reports and good communication. Anyone that hires Steve to be their real estate agent is in good hands. Thanks Steve”
Dr. Teosar and Yesna Bhesania
October 30, 2020
“Steven Ho made an excellent first impression. He was well prepared and he listened to what I required regarding a quick sale at a fair price. I would recommend Steven Ho to family and friends.”
Anonymous
October 30, 2020
“Steven Ho is extremely professional. He knows how to handle many tough and challenging situations, and is always calm and relaxed. It makes yourself feel at ease. He is also very knowledgable about many different communities on the market, and will help you to the best of what you are looking to achieve for your personal buy or sell to the best of his abilities. I have used him for both. I would recommend Steven Ho to anyone trying to Buy or Sell.”
James Opavsky - Oshawa
October 30, 2020
“We had an agent like 6 months ago, but he didn't seem to understand what we need and don't have enough local knowledge. So we decided to switch.
We as newcomers and first home buyers in Toronto, really hope that we can have someone can guide us through the process. And Steven did a great job. Our whole process would have been smoother if we follow all his advice.
Steven can be reached whenever we need his help. And he will explain many things that are new to us in details, even before we realize what needed to be paid attention to.”
Jiaen Lin, Missisauga
October 30, 2020
“Steve had a great understanding of our needs as a first time home buyers. He went above and beyond to deliver on his promise for our first home. He was very helpful and made the process very smooth for us. My wife and I are glad that we chose him as our agent. I would definitely refer Steve and Better Homes and Gardens Real Estate to all my friends and family in need of a property.”
Harshil Patel, Mississauaga
October 30, 2020
“Steven provided incredible service and was always available during the process. It took me around 5 months to purchase a home and Steven invested a lot of time into showing me houses and lining up comparable homes to the place I liked. He was able to negotiate after the home inspection and get me what I wanted and in the end, Steven even helped me unload the moving truck and welcomed me into my new home.
I know no one is perfect and excellent should be really hard to achieve but Steven really does perform above expectations. My Mom was along for the ride in viewing houses and helping me with my decision; my Mom was very impressed by Steven and it was her first time interacting with him. If we were to do it all over again we would choose Steven 100%.”
Darryl, Burlington ON
October 30, 2020
“Steven Ho helped us to buy our first home as fast as i want, deal a good price for us and we satisfied with our choice. Thank you so much!”
Hazel, Brampton
October 30, 2020
“In a time where the market is changing so frequently, it took me a long time to figure out what I really wanted in my new home and what was affordable. Steve and I went from Guelph to Burlington to Brampton to Mississauga to Downtown Toronto. Throughout all of this Steve was patient and was always willing to discuss the pros and cons of every area. I felt that he was not only my realtor but my home shrink. Helping me to really figure out what was important to me in a home. I plan on using Steve for all my future purchases and I would recommend him to anyone that is looking for a new home.”
Daniel Fulton, Etobicoke
October 30, 2020
“I have dealt with many real estate agents in the past, and I would have to say that my experiences were not good or neutral. All of the agents I've dealt with before did less work than I did in terms of researching or marketing than I did myself.
Steven is a refreshing change in that he comes across as a genuine person. When he tells you his opinion, he's not afraid to tell it like it is about a property or a situation. I value that, as an agent's professional, critical opinion is really the only thing of value to me. Anyone can do paperwork and take money in trust.
I also personally found Steven to a very relatable guy, so this made spending time with him and conversing with him that much more enjoyable and efficient. I have no reservations about recommending Steven. He is a hard worker, knowledgeable about the geography and homes themselves, and gets back to you quickly.”
Cecil, Mississauga.
October 30, 2020
“Our sale experience was something we never forget. Everything was well organized and money for our property was very good.
We will strongly recommended Stven Ho to our family and friends”
Bozena Kowalska
October 30, 2020
“From the beginning, we could see that Steven considered all our needs and expectation. Probably he could see that we have no idea what the market looks like in this days but with his knowledge and professional approach he “walk us through” our first steps to purchase new property.
If not for the Steven’s dialogs with the sellers and handling the negotiations the way, he did we probably would not by this property. His tactic and professionalism kept us calm and helped us to think clearly and realistically.
We loved Steven’s service. Our family (few members met Steven) we think that Steven is an excellent agent. Because of Steven we purchased home we absolutely love. Because of him we did not give up to look for the property till we found the one we fell in love.
We are regular hard working couple and we are so happy that Steven was our agent. Because of him we did find our dream home. Maybe it is not the castle for the others, but it is for us. We are really so lucky that we met Steven and trusted him.”
Bozena Kowalska and Janusz John Hauer
October 30, 2020
“Excellent services. Online advertising is amazing. Able to sell the property very quick and above asking price.”
Roger Fok
October 30, 2020
“Steven is dedicated to help sell or purchase your home and he puts everything he has into the task at hand.”
Maria Grace Branco, Mississauga
October 30, 2020
“I was very satisfied with Steven Ho.”
Maria Grace Branco
October 30, 2020
“Steven is an extremely friendly and supportive realtor. He looks out for his clients and offers a service that is unique. I will recommend him to my friends and family.”
Sara Mody, Mississauga
October 30, 2020
“Steven Ho was extremely professional , considerate and very helpful in many factors in selling my home. I was greatly impressed with his knowledge and input on improving my home for the sale.
I was most impressed with Steven Hos advertising and people skills. He has a great game plan and was well calm and collected and beyond prepared to answer any questions that were concerning to me. I felt very comfortable putting my full trust in him from the beginning to sell my home.”
James Opavsky 7-1951 Rathburn road east
October 30, 2020
“We were impressed by Steven's outstanding customer service. His responsiveness to our questions/communications put us at ease with our house selling/purchase which was stressful at times. Steven took care of all the details when we needed to list our house, from professional photos/virtual tour to staging. He is also a great negotiator who was looking out for our interest to get the best possible deals for us (both selling and buying).
We would highly recommend Steven to anyone for their real estate needs.”
Lisa T., Mississauga
October 30, 2020
“Steve was a fantastic agent to work with! He is very upbeat, positive and friendly...he made sure that our needs were taken care of at all times. He was knowledgeable and trustworthy which made the entire process of selling our home convenient and hassle free. We felt like Steve truly listened to us and valued what we had to say. He never pressured us into making decisions when we weren't ready. We would recommend him to friends and family with confidence that they will have the same great experience that we had. We were able to sell our home well over asking...which speaks to his fantastic abilities to sell homes! Thanks Steve!”
The Kroekers
October 30, 2020
“Working with Steven was fantastic. He is a real professional! Great experience to do business with Steven and professionals working along with him!”
Tomas Andrassy, Mississauga
October 30, 2020
“We were introduced to Steve more than 5 years ago when we were looking to buy a new construction condo for investment. Steve was was very helpful in advising and finding us the right developer and building, understanding our needs and wants. To this day we are very happy with his recommendation.
Based on this very positive experience, we asked Steve to find us a condo for our own living since we wanted to downsize. He was very patient with us taking us for numerous showings in various parts of the city. This process took over 3 years and with his broad market knowledge and advice he was always ready to point us the pros and cons of each property. When he finally found us the unit we really liked, he did a great job of negotiating the right price for us. It was a highly positive experience from start to finish.
Steve is very friendly, approachable, easy to deal with and communicate. He works very hard for his clients. We are very pleased with his services and highly recommend him to anyone.”
Varuna & Manori Indraratne, Toronto
October 30, 2020
“Steven Ho was very good to work with, he was patient, efficient and very knowledgeable. Even though it started off as a business relationship I can see it growing into something bigger, our kids love him and he made working with him very easy. I would definitely recommend him to my friends and family.”
Tyrone & Melissa Hinds, Brampton
October 30, 2020
“Our experience buying our first home with Steven Ho was fantastic! He was very knowledgeable, friendly and accessible. We would highly recommend his services!”
Georgetown Ontario
October 30, 2020
“Steven Ho made our first home purchase experience extremely satisfying. He was there to offer his helpful insight with all the properties we viewed. When it came to the actual negotiations he was able to get us a deal below the asking price when it was a seller's market! I highly recommend Steven to anyone especcially first time home buyers”
Raymond, Mississauga
October 30, 2020
“Steve is a knowledgeable, trustworthy broker who will put even the most discerning buyer or seller at ease”
James, Mississauga
October 30, 2020
“Steve is the best. He gets results.”
Dave T
October 30, 2020
“Mr Steven Ho has demonstrated professionalism during the whole progress of the deal. He is patient, detailed and passion to helping me for reaching, offerings, closing and follow up all in order to compete the deal. Very appreciated for his working attitudes and wish to contact him again for my next purchase.”
Freda Wong, Mississuagua
October 30, 2020
“Thank you for the successful sale of my home. Steven Ho presented himself in a professional calm manner, most knowledgeable and considerate of my needs. Thank you for your hard work, dedication and guidance through the negotiations. I sincerely wish you all the success in the future. I am pleased to recommend Steven without hesistation.”
Pranay Naik, Mississauga
October 30, 2020
“Overall I had a great experience. Steven Ho was with me through the entire process, we looked at over a dozen places, and we had great conversations about what I needed and was looking for. He was always available, informative, punctual, flexible, and professional. We also had a great time on the road. Buying your first home can be very stressful but Steven's humor and positive attitude helped make the situation more comfortable and enjoyable. I have recommended Steven Ho to friends and family and he will be my broker the next time I buy/sell a house.”
Jordan K, Milton
October 30, 2020
“I used Steve because I see him multiple times a week and thus, have a full understanding of his character which is quite high.
Honest, with high morals. Focuses on his clients needs rather than trying to sell the highest price property.
Very hard working and almost always available.”
Jimmy in Mississauaga by Square One
October 30, 2020
“Steven Ho is friendly and a pleasant man. He is very knowledgeable and expertise with the field of real estate. He helped me a lot whatever I gave a call to ask him even it was very minor thing. He will call me within a day and answered what I really want to know. He is so enthusiastic and very careful for the client needs. Therefore there is no problem I will recommend to my friends and continuous the relationship with him.”
Fiona Chan
October 30, 2020
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