Melissa  Francis

Melissa Francis

Real Estate Sales Representative

RE/MAX Twin City Realty Inc., Brokerage*

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The Melissa Francis Team has lived and worked in the Region of Waterloo for over a decade and are very knowledgeable about community resources and real estate-related programs and incentives. Their goal is always to provide information to anyone in need so that they are able to make informed and confident real estate-related decisions for themselves and their families. If you have specific questions or would like any referrals or recommendations please reach out to the Team directly as they are always happy to help in any way they possibly can!


Did you know that the Region of Waterloo offers down payment assistance to eligible buyers? For more information check out the Affordable Home Ownership Program offered through the Region of Waterloo and do not hesitate to reach out to The Melissa Francis Team directly to see if this is a good option for you!


Are you a First Time Home Buyer? If so, check out the Government of Canada's First Time Home Buyer Incentive (this program offers 5 or 10% of the home’s purchase price to put toward a down payment), Land Transfer Tax Refunds for First-Time Homebuyers (in which first-time homebuyers of an eligible home may be eligible for a refund of all or part of the tax), and the Canada Revenue Agency Home Buyers' Plan (which allows you to borrow against your RRSP's for your down payment). Additonally you may qualifiy for tax credits or rebates such as the Home Buyer's Amount (first-time homebuyers can claim up to $5000 when they file their tax return), or Moving Expenses (if you are a first time buyer and moved 40 kms closer to work or post secondary institute) and if you have purcahsed a new build you could qualify for the GST/HST New Housing Rebate (to help offset some of the tax you paid in your home). As well, The Melissa Francis Team has worked with many First Time Home Buyers and would be more than happy to chat with you about your options!



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