We're excited to offer you a free, exclusive benefit: your very own personalized homeownership report to help you save money and build wealth through your home!

Roberto and I from the Argenal Group and KIC Realty have teamed up with one of our trusted mortgage providers,  Kyle Scott from Landmark Mortgages, to bring you Ownwell - a new service we’ve invested in to support you. 

Each month, you’ll receive a report packed with valuable insights, including: 

● Your home’s current estimated market value 

● Your home equity and how much you could access for renovations, investments, or other goals 

● Opportunities to save on interest 

● Your estimated purchasing power for a new home 

It’s quick to set up, totally free, and you can unsubscribe anytime.  Click:: To go to my landing page for a detailed overview and to sign up 

If you have any questions, or if you want us to corroborate the information received, we will be happy to work on an "up to date" Comparative Market Analysis (CMA) for you! Just reach out.

1. INSPECTIONS: WHAT & WHY?

1.1 Condominium Document Inspection : When purchasing a condominium, the Seller must furnish the latest Condominium Documents. We recommend enlisting a professional to evaluate the Board's and building's financial health. Essential Documents include: -

• Registered condominium plan
• Current corporation bylaws
• Recent financial statements
• Corporation budget
• Monthly contribution statement
• Minutes from general or board meetings in the past year
• Special resolutions
• Insurance certificate
• Reserve Fund Study, etc.

1.2 Home inspections are highly advised, revealing maintenance issues and major defects. Inspectors suggest specialists for serious concerns but do not assess property value. While the report isn’t for negotiation, significant structural issues may prompt buyer requests for seller concessions.

2. WHAT OTHER INSPECTIONS, TERMS AND CONDITIONS YOU COULD REQUEST? You can request anything that is important to you! Find below a list shared to us by Kahane Law office.

• Professional Measuring of Property
• Electrical Inspection
• Engineering Inspection
• Asbestos Inspection
• Mechanical Inspection
• Building Envelope Inspection
• Plumbing Inspection
• Furnace Inspection
• Air Conditioning Inspection
• Lawyer Review of Title and Registered Documents
• Inquiry as to Natural or otherwise Deaths on/in Property
• Inquiry as to Grow Op on/in Property
• Sewer line video
• Air quality testing
• Radon Gas Testing
• Review of Zoning/Land Use
• Permit Searches
• Urea Formaldehyde Foam Insulation Inspection
• "Poly B' Inspection
• WETT Inspection for Fireplace
• Citizenship Status To Confirm Ability to Purchase and/or sale

3. WHAT ARE YOUR COMMITMENTS TO US?

• Changes in Needs/Expectations: Notify us immediately of any changes.
• Negotiations: Do not discuss terms directly with sellers or their agents.
• Property Tours: Share likes/dislikes on property features.
• New Construction: Inform us if you want to tour new builds as we need to register you before visiting
• FSBO Properties: Contact us for information and showings; do not contact owners directly.
• Open Houses: Disclose your Realtor representation to hosting agents.
• Concerns: Notify us immediately if expectations are not met.

4. WHAT ARE OUR COMMITMENTS TO YOU?

We work solely for you and have no legal responsibilities to the Seller -unless otherwise agreed -.

• Expert Negotiation: We advocate for you to secure the best possible price and terms.
• Market Knowledge: We provide valuable insights into market trends, property values, and neighbourhoods.
• Transaction Management: We handle all the paperwork, deadlines, and complexities, ensuring a smoother process.
• Objective Advice: We offer unbiased guidance, helping you to make informed decisions.

5. WHAT IS OUR FEE?

Our fee is negotiable, typically settled at closing through the Seller's lawyer. See Section 8 of the EBRA for details; a copy is shared for your review at our AG - Initial Assessment meeting.

6. DEFINE AND OUTLINE THE MOSTLY USED ACRONYMS:

CRG = CONSUMER RELATIONSHIPS GUIDE

EBRA = EXCLUSIVE BUYER REPRESENTATION AGREEMENT

ESRA = EXCLUSIVE SELLER REPRESENTATION AGREEMENT

FINTRAC = FINANCIAL TRANSACTIONS AND REPORT ANALYSIS CENTRE OF CANADA.

What truly sets our real estate service apart is our unwavering commitment to you, not just during the transaction, but long after you've settled into your new Calgary home. We've uniquely designed The AG-Client Appreciation Program (AG-CAP) to provide ongoing value and support.

Imagine moving in and immediately receiving complimentary access to personalized Interior Decorating Consultations, where we help you with everything from space planning and color scheme selection to unlocking exclusive furniture discounts through our trade partnerships.

But our appreciation extends beyond aesthetics. As a valued AG-CAP member, you'll also receive complimentary tickets to Calgary's premier home shows – the Home Renovation Show (January), Home & Garden Show (March), and Fall Home Show (September) – keeping you inspired and connected with the latest trends and resources.

Stay informed and empowered with invitations to our exclusive "In the Know Mingle Events", providing valuable insights and networking opportunities. You'll also receive periodic market updates specific to your neighbourhood, keeping you informed about your investment. And introducing our newest benefit: your Personalized Home Ownership Report, offering tailored insights to help you manage and appreciate your property's value over time.

The AG-CAP isn't just a follow-up; it's our way of building lasting relationships and ensuring your continued success and enjoyment as a Calgary homeowner. We're invested in your long-term happiness, making our service distinctly supportive and uniquely rewarding.

1. WHICH DOCUMENTS REPRESENT THE FOUNDATION OF EVERY PURCHASE?

1.1 CONSUMER RELATIONSHIP GUIDE (CRG) 

A requirement of the Canadian Real Estate Association (CREA) is to seek a written acknowledgement from you that we have discussed our Agency relationship. It is important that you understand the nature of representation with regards to: Different forms of Buyer/Seller. 

Representation Relationships Disclosure and the Canadian Real Estate Association Code of Ethics To whom the Realtor® is legally obligated The Exclusive Buyer Representation Agreement The fiduciary duties we owe you are:

Undivided Loyalty

Confidentiality

Full Disclosure

Obedience

Reasonable care and skill

Full Accounting

1.2 EXCLUSIVE BUYER REPRESENTATION AGREEMENT (EBRA)

This document is a legal agreement between you, the buyer, and KIC REALTY granting the agency and its designated agents - Roberto Argenal and/or myself - the exclusive right to represent you in the search and purchase of a property. 

This agreement formalizes the relationship between both parties, defines our rights and obligations, establishes the agency's commission, and addresses potential conflicts of interest to ensure transparency and fairness in the transaction.

2. WHAT IS THE DIFFERENCE BETWEEN MORTGAGE PRE-APPROVAL AND PRE-QUALIFICATION?

A pre-approval involves a lender verification of your finances (credit, taxes, employment).  Pre-qualification predicts loan amounts via unverified conversation.

3. WHY IS A PRE-APPROVAL REQUIRED BY THE AG-BUYING PROCESS?

This confirmed loan amount provides negotiation leverage, rate protection and budget accuracy.

4. WHAT DO REAL ESTATE LAWYERS DO?

Ensure key details are handled by completion date, including:

• Verifying valid title
• Clearing property claims
• Managing tax adjustments
• Calculating title transfer costs
• Preparing Mortgage Documents
• Confirming bylaw compliance

5. WHAT IS A REAL PROPERTY REPORT (RPR) WITH COMPLIANCE?

Sellers of single-family homes and Bare land Condominiums must provide a current, compliant RPR from the city of Calgary, or applicable municipality, ensuring legal boundaries are met.  Your Lawyer will confirm its accuracy together with the Seller's lawyer.