Posts tagged with: "high ratio insurance"

high ratio insurance

What is CMHC second home minimum down payment?

by nilayertemur February 25, 2014 Mortgage 0 10758

What is CMHC? Canadian Mortgage and Housing Corporations Mortgage loan insurance is typically required by lenders when home buyers make a down payment of less than 20% of the purchase…

nilayertemur@gmail.com

Nilay Ertemur

Testimonials Review

Ilyas Kucukcay, Ottawa (Buyer)

"I have worked with Nilay Ertemur to sell my house and buy another property in parallel. In overall, she was responsive, caring and time-sensitive. She easily understood my needs, and was able to guide me through the available options to choose my new place. Her negotiation skills are well, and she was quite fast to communicate and finalize the transaction. I am definitely considering contacting her down the road for future/potential property transactions."

Nilay Ertemur

2018-09-16T13:30:25-05:00

http://nilay.ca/blog/testimonials/ilyas-kucukcay-ottawa-buyer/

Avsar Eymirlioglu – Ottawa

"Superb service. Available and attentive at all times. I would recommend to anyone."
AvsarEymirlioglu-RealSatisfied

Nilay Ertemur

2018-09-16T13:23:02-05:00

"Superb service. Available and attentive at all times. I would recommend to anyone."

http://nilay.ca/blog/testimonials/avsar-eymirlioglu-ottawa/

Dilek Akman

When we made a big decision about relocating to Canada from Turkey, one of our friends who lives in Ottawa suggested to us to work with Nilay to buy a house...So we contacted her while we still lived in İstanbul. Since the beginning, she was extremely kind, helpful, honest, available all the time. When we arrived at Ottawa, finally we met her and even though she wouldn't be in Ottawa for a while, she made sure that her colleague Stacey would really take care of us well and she did. Nilay was answering our questions even when she was out of the country on vacation and that's really very valuable manner and we really appreciated everything she has done. We are happy with our new home...Thank you so much Nilay...

Nilay Ertemur

2016-11-03T20:29:51-05:00

http://nilay.ca/blog/testimonials/dilek-akman/

Ilyas Kucukcay – Seller Ottawa

"I have worked with Nilay Ertemur to sell my house and buy another property in parallel. In overall, she was responsive, caring and time-sensitive. It is quite important for a seller to feel secure when it comes to understanding the market trends and setting up realistic expectations about your property value.

Nilay's analytic approach and academic background provided me the required knowledge to clarify critical uncertainties and created a stress-free mindset to sell my property. Her overall attitude was positive and cheerful. This turned the whole process into a fun project with great results.

I am definitely considering contacting her down the road for future/potential property transactions."
IlyasKucukcay-RealSatisfied

Nilay Ertemur

2018-09-16T13:29:22-05:00

"I have worked with Nilay Ertemur to sell my house and buy another property in parallel. In overall, she was responsive, caring and time-sensitive. It is quite important for a seller to feel secure when it comes to understanding the market trends and setting up realistic expectations about your property value. Nilay's analytic approach and academic background provided me the required knowledge to clarify critical uncertainties and created a stress-free mindset to sell my property. Her overall attitude was positive and cheerful. This turned the whole process into a fun project with great results. I am definitely considering contacting her down the road for future/potential property transactions."

http://nilay.ca/blog/testimonials/ilyas-kucukcay-seller-ottawa/

TS & family, Ottawa

Anyone engaging the services of Nilay Ertemur has made a fortuitous decision. Words are not enough to describe this very warm and genuine bright light. You will experience her intelligence, her competence and realize that you are in very good hands. She possesses an impeccable professional attitude and great determination. She is our forever agent. Thank you Nilay.

Nilay Ertemur

2016-06-17T19:57:38-05:00

http://nilay.ca/blog/testimonials/ts-nilay-ertemur-agent-review/

Chantal Roy Armstrong, Ottawa

Nilay Ertemur

2015-01-17T11:20:57-05:00

http://nilay.ca/blog/testimonials/chantel-roy-armstrong-ottawa/

Erim Ozen – Ottawa

"I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you."
ErimOzen-RealSatisfied

Nilay Ertemur

2018-09-16T13:25:23-05:00

"I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you."

http://nilay.ca/blog/testimonials/erim-ozen-ottawa/

Chantal Roy, Stittsville Ontario. (Buyer)

“I was very pleased to work with Nilay 3 years ago when I sold my house, so I didn’t hesitate to call her when I found myself needing a realtor again. Nilay is attentive, honest and professional as well as personable. She will go the extra mile to stay in touch and follow-up even after the sale is complete. She as done their due diligence on all aspects of the sale of my last house and the purchase of my new house. I would not hesitate to call Nilay again. I would highly recommend Her services to anyone!”
ChantalRoy-RealSatisfied

Nilay Ertemur

2018-01-23T14:50:03-05:00

http://nilay.ca/blog/testimonials/chantal-roy-stittsville-ontario-buyer/

Alfredo, Ottawa, Ontario (Seller)

“Nilay is not the regular agent. She works with you side by side, putting herself in your shoes while providing suggestions, ideas and points of view based on her experience. This attitude is a game changer and is crucial for a successful operation. She’s always reachable and willing to work, this is priceless! Thank you Nilay!”
Alredo-RealSatisfied

Nilay Ertemur

2018-01-23T14:49:22-05:00

http://nilay.ca/blog/testimonials/alfredo-ottawa-ontario-seller/

G. Silva, Stittsville (Buyer)

“Nilay has excellent knowledge of the local market and knows how to meet client expectations. She provided us with some priceless information at critical moments of the process and was always available whenever we needed her. I highly recommend her services.”
GSilva-RealSatisfaction

Nilay Ertemur

2018-01-23T14:48:22-05:00

http://nilay.ca/blog/testimonials/g-silva-stittsville-buyer/

Ender Turkoglu, Kanata (Buyer)

“She was really great for all points of our needs. I will work her again in future.”
EnderTurkolgu-RealSatisfied

Nilay Ertemur

2018-01-23T14:46:30-05:00

“She was really great for all points of our needs. I will work her again in future.”

http://nilay.ca/blog/testimonials/ender-turkoglu-kanata-buyer/

Century 21 – Nilay Ertemur Outstanding Achievement Award 2016

Nilay Ertemur

2017-03-06T21:17:48-05:00

http://nilay.ca/blog/testimonials/century-21-nilay-ertemur-outstanding-achievement-award-2016/

Ahmet Delice, Ottawa

Nilay Ertemur

2015-01-17T11:20:33-05:00

http://nilay.ca/blog/testimonials/ahmet-delice-ottawa/

Gulay Kosem

Thanks to Ms. Nilay Ertemur shortly after arriving to Ottawa, I found a rental apartment as I wished. She works very professionally. She dedicates all her efforts to satisfy her clients. She was always available and helpful.

Nilay Ertemur

2015-01-17T11:21:16-05:00

http://nilay.ca/blog/testimonials/gulay-kosem/

Zeynep Ekim

It was a pleasure working with Nilay when we were looking for a place to rent in Ottawa. She is a very professional yet sensitive and caring agent. She was always available to answer all our questions and concerns. She is very knowledgeable, detail oriented and values her clients very much, and does not hesitate to spend extra time. She is very trust worthy and I would not hesitate one second in recommending Nilay to anyone who is looking for a great real estate agent.

Nilay Ertemur

2015-01-17T11:21:35-05:00

http://nilay.ca/blog/testimonials/zeynep-ekim/

VV, Ottawa

Professional. There are so many positive adjectives that could be used to describe Nilay Ertemur but her professionalism is what stands out and is what anyone in need of a realtor would need and appreciate. I highly recommend using her services.

Nilay Ertemur

2016-06-17T21:51:28-05:00

http://nilay.ca/blog/testimonials/vv-nilay-ertemur-service-review/

Karen Elder and Walter Pink

We cannot thank you enough for helping us find a place!! From the bottom of our hearts, we are truly grateful for all that you have done for us. Thank you just doesn't seem like enough. We are so excited to start a new chapter in our lives and it wouldn't have been possible without all your help.
Again, thank you so much!

Nilay Ertemur

2015-09-10T20:28:46-05:00

http://nilay.ca/blog/testimonials/karen-and-walter/

Kevin Sullivan

Nilay was extremely knowledgeable of the area and dealt with a very rushed move in an extremely professional manner. I had to find a place and close the deal in less than a week and am extremely happy with the services she provided.

Nilay Ertemur

2015-01-17T11:22:18-05:00

http://nilay.ca/blog/testimonials/kevin-sullivan/

Erim Ozen (Buyer)

“I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you.”
ErimOzen-RealSatisfied

Nilay Ertemur

2018-01-23T14:50:44-05:00

“I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you.”

http://nilay.ca/blog/testimonials/erim-ozen-buyer/

Hassan Eltaher, Ottawa, Ontario (Buyer)

“She is already A1.”
RealSatisfied-Review

Nilay Ertemur

2018-01-23T14:51:26-05:00

“She is already A1.”

http://nilay.ca/blog/testimonials/hassan-eltaher-ottawa-ontario-buyer/

2017 Outstanding Achievement Award

Nilay Ertemur

2018-01-23T15:37:47-05:00

http://nilay.ca/blog/testimonials/2017-outstanding-achievement-award/

Matthew Hall, Ottawa

Nilay Ertemur

2015-09-08T20:43:09-05:00

http://nilay.ca/blog/testimonials/matthew-hall-ottawa/

PM and DB, Ottawa

My husband and I first met Nilay Ertemur and her family at a social event. We found her to be a friendly, lively and well mannered person. We contacted Nilay when we decided to purchase a second property in Ottawa (Read more)

Nilay Ertemur

2015-05-25T21:20:48-05:00

http://nilay.ca/blog/testimonials/pm-and-db/

Sara Benzerga, Toronto

“It is with pleasure and gratitude that I share comments on my experience with Nilay Ertemur. Nilay was fantastic to work with. She is a very honest, hard-working, and dedicated agent when it comes to getting the job done for her clients. As a Mortgage Specialist with National Bank I was very pleased to work with Nilay and refer my clients to her.

Thus, I highly recommend Nilay Ertemur for residential real estate needs.

Nilay Ertemur

2015-01-17T11:20:03-05:00

“It is with pleasure and gratitude that I share comments on my experience with Nilay Ertemur. Nilay was fantastic to work with. She is a very honest, hard-working, and dedicated agent when it comes to getting the job done for her clients. As a Mortgage Specialist with National Bank I was very pleased to work with Nilay and refer my clients to her. Thus, I highly recommend Nilay Ertemur for residential real estate needs.

http://nilay.ca/blog/testimonials/sara-benzerga-ottawa/

Century 21 – Outstanding Achievement Award

Nilay Ertemur

2016-07-25T17:41:24-05:00

http://nilay.ca/blog/testimonials/century-21-outstanding-achievement-award/

Azzah and Mehmet – Ottawa

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

Nilay Ertemur

2016-11-03T20:30:25-05:00

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

http://nilay.ca/blog/testimonials/azzah-mehmet-ottawa/

Pinar Eryilmaz, Ottawa

We are lucky to meet with Nilay and be her customers. She is very dedicated to give the best service to her clients and she was great by helping us during our house hunt journey. Thank you very much Nilay.

Nilay Ertemur

2018-10-06T12:38:57-05:00

http://nilay.ca/blog/testimonials/pinar-eryilmaz-ottawa/

Pamuk Family, Ottawa

It was a pleasure to work with Nilay during a rush move that was closed in about week. Nilay made the whole process very smooth and easy for us. Nilay is a very dedicated and honest realtor that puts herself in client’s shoes and tries to ease the stressful process for her clients. We will certainly be happy to use her services again in the future and will be recommending her to family and friends!
Pamuk Family

Nilay Ertemur

2018-10-16T11:46:03-05:00

http://nilay.ca/blog/testimonials/pamuk-family-ottawa/

Nilay Ertemur

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Welcome !
Hosgeldiniz !
Bienvenue !
欢迎 !
! خوش آمديد

Nilay Ertemur Ottawa Real Estate Agent

CENTURY 21 John DeVries Ltd.

444 Hazeldean Road Ottawa, ON K2L 1V2

Direct: 613-915-8208 Office: 613-836-2570 Office Fax: 613-836-2619 Toll free: 1 888-837-5570

Testimonials Review of

Ilyas Kucukcay, Ottawa (Buyer)

Nilay Ertemur

2018-09-16T13:30:25-05:00

http://nilay.ca/blog/testimonials/ilyas-kucukcay-ottawa-buyer/

Avsar Eymirlioglu – Ottawa

"Superb service. Available and attentive at all times. I would recommend to anyone."
AvsarEymirlioglu-RealSatisfied

Nilay Ertemur

2018-09-16T13:23:02-05:00

"Superb service. Available and attentive at all times. I would recommend to anyone."

http://nilay.ca/blog/testimonials/avsar-eymirlioglu-ottawa/

Dilek Akman

Nilay Ertemur

2016-11-03T20:29:51-05:00

http://nilay.ca/blog/testimonials/dilek-akman/

Ilyas Kucukcay – Seller Ottawa

Nilay Ertemur

2018-09-16T13:29:22-05:00

"I have worked with Nilay Ertemur to sell my house and buy another property in parallel. In overall, she was responsive, caring and time-sensitive. It is quite important for a seller to feel secure when it comes to understanding the market trends and setting up realistic expectations about your property value. Nilay's analytic approach and academic background provided me the required knowledge to clarify critical uncertainties and created a stress-free mindset to sell my property. Her overall attitude was positive and cheerful. This turned the whole process into a fun project with great results. I am definitely considering contacting her down the road for future/potential property transactions."

http://nilay.ca/blog/testimonials/ilyas-kucukcay-seller-ottawa/

TS & family, Ottawa

Nilay Ertemur

2016-06-17T19:57:38-05:00

http://nilay.ca/blog/testimonials/ts-nilay-ertemur-agent-review/

Chantal Roy Armstrong, Ottawa

Nilay Ertemur

2015-01-17T11:20:57-05:00

http://nilay.ca/blog/testimonials/chantel-roy-armstrong-ottawa/

Erim Ozen – Ottawa

Nilay Ertemur

2018-09-16T13:25:23-05:00

"I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you."

http://nilay.ca/blog/testimonials/erim-ozen-ottawa/

Chantal Roy, Stittsville Ontario. (Buyer)

Nilay Ertemur

2018-01-23T14:50:03-05:00

http://nilay.ca/blog/testimonials/chantal-roy-stittsville-ontario-buyer/

Alfredo, Ottawa, Ontario (Seller)

Nilay Ertemur

2018-01-23T14:49:22-05:00

http://nilay.ca/blog/testimonials/alfredo-ottawa-ontario-seller/

G. Silva, Stittsville (Buyer)

Nilay Ertemur

2018-01-23T14:48:22-05:00

http://nilay.ca/blog/testimonials/g-silva-stittsville-buyer/

Ender Turkoglu, Kanata (Buyer)

“She was really great for all points of our needs. I will work her again in future.”
EnderTurkolgu-RealSatisfied

Nilay Ertemur

2018-01-23T14:46:30-05:00

“She was really great for all points of our needs. I will work her again in future.”

http://nilay.ca/blog/testimonials/ender-turkoglu-kanata-buyer/

Century 21 – Nilay Ertemur Outstanding Achievement Award 2016

Nilay Ertemur

2017-03-06T21:17:48-05:00

http://nilay.ca/blog/testimonials/century-21-nilay-ertemur-outstanding-achievement-award-2016/

Ahmet Delice, Ottawa

Nilay Ertemur

2015-01-17T11:20:33-05:00

http://nilay.ca/blog/testimonials/ahmet-delice-ottawa/

Gulay Kosem

Nilay Ertemur

2015-01-17T11:21:16-05:00

http://nilay.ca/blog/testimonials/gulay-kosem/

Zeynep Ekim

Nilay Ertemur

2015-01-17T11:21:35-05:00

http://nilay.ca/blog/testimonials/zeynep-ekim/

VV, Ottawa

Nilay Ertemur

2016-06-17T21:51:28-05:00

http://nilay.ca/blog/testimonials/vv-nilay-ertemur-service-review/

Karen Elder and Walter Pink

Nilay Ertemur

2015-09-10T20:28:46-05:00

http://nilay.ca/blog/testimonials/karen-and-walter/

Kevin Sullivan

Nilay Ertemur

2015-01-17T11:22:18-05:00

http://nilay.ca/blog/testimonials/kevin-sullivan/

Erim Ozen (Buyer)

Nilay Ertemur

2018-01-23T14:50:44-05:00

“I will reccommend Ms. Ertemur to all my friends who will buy a new property. She is such a kind person and very knowledgable. She loves her job and she knows what she is doing. Thank you.”

http://nilay.ca/blog/testimonials/erim-ozen-buyer/

Hassan Eltaher, Ottawa, Ontario (Buyer)

“She is already A1.”
RealSatisfied-Review

Nilay Ertemur

2018-01-23T14:51:26-05:00

“She is already A1.”

http://nilay.ca/blog/testimonials/hassan-eltaher-ottawa-ontario-buyer/

2017 Outstanding Achievement Award

Nilay Ertemur

2018-01-23T15:37:47-05:00

http://nilay.ca/blog/testimonials/2017-outstanding-achievement-award/

Matthew Hall, Ottawa

Nilay Ertemur

2015-09-08T20:43:09-05:00

http://nilay.ca/blog/testimonials/matthew-hall-ottawa/

PM and DB, Ottawa

Nilay Ertemur

2015-05-25T21:20:48-05:00

http://nilay.ca/blog/testimonials/pm-and-db/

Sara Benzerga, Toronto

Nilay Ertemur

2015-01-17T11:20:03-05:00

“It is with pleasure and gratitude that I share comments on my experience with Nilay Ertemur. Nilay was fantastic to work with. She is a very honest, hard-working, and dedicated agent when it comes to getting the job done for her clients. As a Mortgage Specialist with National Bank I was very pleased to work with Nilay and refer my clients to her. Thus, I highly recommend Nilay Ertemur for residential real estate needs.

http://nilay.ca/blog/testimonials/sara-benzerga-ottawa/

Century 21 – Outstanding Achievement Award

Nilay Ertemur

2016-07-25T17:41:24-05:00

http://nilay.ca/blog/testimonials/century-21-outstanding-achievement-award/

Azzah and Mehmet – Ottawa

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

Nilay Ertemur

2016-11-03T20:30:25-05:00

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

http://nilay.ca/blog/testimonials/azzah-mehmet-ottawa/

Pinar Eryilmaz, Ottawa

Nilay Ertemur

2018-10-06T12:38:57-05:00

http://nilay.ca/blog/testimonials/pinar-eryilmaz-ottawa/

Pamuk Family, Ottawa

Nilay Ertemur

2018-10-16T11:46:03-05:00

http://nilay.ca/blog/testimonials/pamuk-family-ottawa/

Nilay Ertemur

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