Abbas Shivraj - Real Estate Agent

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Juma Real Estate Group @ Right At Home Realty. Buy, Sell, Rent for Commercial and Residential Properties

27/10/2026

Want to own a home but need more time to qualify for a mortgage?

Rent-to-own may provide a structured path toward ownership. You rent a property of your choice with the option to purchase it later at a predetermined price, while using the program period to improve your credit, grow your down payment and strengthen your financial documentation.

An upfront option fee and a portion of your monthly payments are credited toward the future purchase.

This option is generally designed for people with stable income and a realistic plan to become mortgage-ready within the program term.

Want to find out if it could work for you? DM us “OWN” for more information.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

13/10/2026

The purchase price only tells you what the home costs to buy, not what it costs to live in.

Two properties listed at the same price can produce very different monthly expenses once you include:

• Property taxes • Insurance • Utilities • Condo or maintenance fees • Rental equipment • Regular upkeep • Commuting costs

Before making an offer, look beyond the mortgage payment and calculate the complete monthly cost of owning that specific property.

The right home should fit both your purchase budget and your everyday lifestyle.

Save this for your home search.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

07/10/2026

Home insurance shouldn’t be left until the last minute.
Your coverage needs to take effect on closing day, not the day you move in.

If there’s a gap between receiving the keys and moving into the property, you still need the appropriate protection in place.

Your lender would also require proof of insurance before releasing the mortgage funds, so waiting can create unnecessary closing-day stress.

Confirm the property details, coverage requirements and effective date with your insurance provider well before closing.

Save this for your home-buying checklist.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

05/10/2026

JUST LAUNCHED | BOND TOWNHOMES 🏡

A brand-new collection of townhomes has officially launched in Oak Ridges, Richmond Hill, at King Rd & Bond Cres.

Starting from $699,900, BOND offers 3 & 4-bedroom townhomes starting at 1,325 sq. ft., with thoughtfully designed layouts, premium included finishes and a flexible deposit structure.

📍 King Rd & Bond Cres, Richmond Hill 🏡 Townhomes from $699,900 💰 Flexible deposit structure 🛏 Up to 4 bedrooms 📅 Tentative occupancy Fall 2027 – Spring 2028 ✨ Development charges capped + 1 year of applicable POTL fees free.

Want to see the price list, floor plans and full incentive package?

Contact us to get the full details.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

01/10/2026

The purchase price may not be the only payment you inherit with the home.

Rental equipment can come with monthly charges, long-term agreements and expensive buyout terms.

Before submitting an offer, confirm which systems are owned, which are rented and what obligations the buyer is expected to assume.

Depending on the property and negotiation, the seller may agree to buy out certain contracts before closing.

A small detail in the agreement can become a monthly expense for years so know exactly what comes with the keys.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

30/09/2026

When buying a property as-is, understanding exactly what you’re taking on is essential.

The seller isn’t agreeing to complete repairs, and once the property closes, future problems generally become the buyer’s responsibility.

That’s why inspections, repair estimates and carefully written offer conditions matter even more.

The opportunity may be in the price but the protection is in the due diligence.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

24/09/2026

The model suite is designed to impress you—but the builder’s track record, deposit structure and contract terms tell the real story.

Before buying pre-construction, look beyond the finishes and understand exactly who you’re buying from and what you’re signing.

Comment PRECON below and we’ll send you the best available projects based on your needs, budget and timeline.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

17/09/2026

Spring gets all the attention but more buyers can also mean more listings competing against yours.

In the GTA, fall and late winter can create strong opportunities: motivated buyers, fewer competing properties and a better chance for your home to stand out.

The best time to sell isn’t automatically the most popular season. It depends on your local market, competition, property and personal timeline.

Thinking about selling within the next six months?

Let’s build the right timing strategy for your home.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

13/08/2026

What does it actually feel like to work with the Juma Real Estate Group?

It means having a team that listens, explains the process clearly and protects your interests at every step.

With over a decade of market experience, we bring the local knowledge needed to help you recognize value, avoid costly mistakes and make decisions with confidence.

Because a successful real estate experience isn’t just about closing—it’s about feeling informed, supported and certain about the decision you made.

Real estate done with knowledge, care and zero shortcuts.

Ready to make your next move? Book a consultation with us.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

05/08/2026

🏡 FOR LEASE IN BAYVIEW HILL

Welcome to the lower level of 3 Glenayr Road—a comfortable and private one-bedroom rental in one of Richmond Hill’s most desirable neighbourhoods.

✨ 1 bedroom 🛁 1 bathroom 🚪 Private separate entrance 🧺 Separate laundry 🚗 1 outdoor parking space 💡 Utilities included

Conveniently located near public transit, shopping, parks and everyday amenities.

DM us for more information or to schedule a private showing.

Sarfraz Juma, Realtor®️
Juma Real Estate Group Inc.
📱416-666-7863
📧[email protected]

Abbas Shivraj, Realtor®️
Juma Real Estate Group Inc.
📱647-891-7868
📧[email protected]

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