In order to obtain a conventional mortgage, home buyers are required to provide a down payment of at least 20% of the purchase price. If you do not have the full 20% down payment, it may be possible to obtain a high-ratio mortgage that will require a down payment of at least 5% and the purchase of default insurance.
Be sure to visit at least two lenders before you make a decision.
NEW KINGSTON OFFICE NOW OPEN
CONCIERGE REAL ESTATE
COMPLIMENTARY INTERIOR DESIGN AND STAGING SERVICES
WHAT PEOPLE ARE SAYING
“Gina is so amazing! I have only known her for a couple of weeks but can say that she is one of the most selfless people I have met. She was able to find me the most perfect commercial space for my salon and has taken so much off my plate. She made it way too easy!! It's been a pleasure getting to work with her and can't say enough good things about this genuinely sweet and selfless women! Thanks again.” Emma
“We had the pleasure of having Gina assist us marketing and selling our home and it was such a pleasure dealing with her. She has a real talent in staging a home and was instrumental in helping us detail our home to its best selling advantage. Gina was so engaged and personally invested. It felt so reassuring to have her assistance and she was always available to us. She is a true professional and has great attention to detail.” Krista
"I have used Gina’s services twice for my purchase of two properties: one investment property in 2016 and very recently my own dream home. Both properties have proven to be wonderful purchases. I can honestly say that Gina is truly exceptional; she is professional, she is knowledgeable, she is empathetic, and most importantly she is honest. Her integrity, remarkable attention to detail, availability, and willingness to put in the long hours on my behalf was second to none. I highly recommend Gina to anyone buying or selling and will definitively use her services again in the future.” Dominique
“We made the best decision when we chose to list with Gina. We were impressed with her conscientious and professional attitude while she made us feel relaxed and confident in her ability. She was not afraid to share her views on things such as presentation and price and was very attentive to what we wanted and what we were hoping for. She has an excellent understanding of the Kingston market particularly in the downtown where she has spent a large part of her personal life. She was able to access resources that we felt played a big part in the sale of our home. The treatment we received was indicative of a professional who put our needs and interests first.” Art & Linda
"We had met Gina on a whim while browsing for houses and soon realized how lucky we were to have her at our side while purchasing our first home. She is all the best things you would want in a real estate agent, hardworking, professional, kind and extremely quick to respond to all our inquiries! (big plus in my books). On top of all that, Gina is one of the most genuinely caring people you will ever meet. In a market that tends to be competitive and cutthroat, Gina is a rare find, she truly has her clients’ best interests in mind. I would highly recommend Gina for all your real estate needs whatever they may be - she will not disappoint! Moneth & Justin
“Gina Karkoulis is a wonderful realtor. She was very hard-working, creative and exceptionally successful in selling our condo. She went above and beyond our expectations and sold the condo within 24 hours and well-above asking price. I think her success was largely due to the amazing job she did staging the condo - we almost didn’t want to sell it because she made it look so lovely! I would highly recommend Gina as a realtor if you are looking for someone who works harder than you expect, and gets better results than you hoped.” Susan
KINGSTON'S CONCIERGE REAL ESTATE
As a Broker with one of Ontario's leading luxury real estate brokerages, I am delighted to be working in my hometown of Kingston. With Chestnut Park's newest office in the Limestone City, we can bring an incredible level service unparalleled by any other brokerage in Kingston. When I work with a client - whether buyer or seller - I commit all of my time, resources and heart to ensure their interests always come first.
Chestnut Park is continually evolving to stay ahead of the competition in ways that are relevant to our clients' needs by employing leading-edge technologies, global networking, custom marketing campaigns, and leveraging the latest tools developed by our in-house marketing department.
My clients receive assistance at all levels of the real estate transaction, including help with preparing their home for listing and complimentary high quality staging services. Working primarily in the Kingston area and Frontenac County, I have experience in residential sales, investment properties, and commercial sales and leasing. I work hard for my clients and always put their best interests first.
As an Exclusive Affiliate of Christie's International Real Estate, Chestnut Park helps give qualifying properties international exposure with one of the world's leading luxury brokerages.
Whether you are buying, selling, or just looking for some inspiration, it would be my pleasure to meet with you for a Complimentary Listing or Buying Presentation or Interior Design/Staging Consultation.
FULL SERVICE REAL ESTATE: FROM START TO FINISH AND BEYOND
I was born and raised in Kingston and have a great deal of love and connection this city. My family is here and this is where I raised my dog and horse - memories that have tied me to this area and always bring me back.
I also have a long history with the Kingston real estate market and my clients know that I will always put their best interests first and work hard to ensure they receive the highest and most comprehensive standard of care and service. My experience in Toronto real estate has prepared me for today's fast-paced Kingston market and I know how to help my clients make their dreams a reality.
If you are selling a home, my complimentary premium staging services will assist with preparing your home for listing and help to create an environment that appeals to the greatest number of buyers - helping you secure the best possible selling price. Some Kingston agents uses secondary stagers but I have my own inventory of curated high-quality furnishings and decor hand-selected to appeal to today's buyer.
If you are buying a home, my interior design experience can assist you to see potential and help transform a property into the home of your dreams. I can also connect you with top trades, inspectors, lawyers, and mortgage professionals to help make your purchase positive and stress-free.
Real estate is a fast-paced, and sometimes intimidating industry, but I employ all of my experience, enthusiasm, and dedication to ensure your buying or selling experience is a positive and successful one. Your happiness is my reward.
Greater Kingston Area
& Frontenac County
YOU CAN ALSO CONTACT ME BY COMPLETING THE FORM BELOW: