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SHANNON DECKERS

Not Just Another Realtor®

Welcome. It is my sincere hope that you come to see the potential that Grey Bruce has to offer you.

As a skilled full-time realtor, I am dedicated to guiding you through purchasing and selling real estate in Canada’s playground. Let’s walk through it together and find the place for you to call home.

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

Has the local knowledge needed for buying and selling in Grey & Bruce Counties

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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For sale
$699,900
1685 9TH Avenue E Unit# 2, owen sound, Ontario

1685 9th Avenue E Unit# 2

Owen Sound, Ontario

Fantastic new large upscale condos boasting over 1700 sq. feet on the East Side of Owen Sound. 3 bedroom 2 1/2 baths, (main floor bedroom has ensuite). Open concept, main floor with high ceilings give these townhomes a grand feeling. Mezzanine family room above the dining area. Attached single car garage. Shouldice stone and Vinyl siding exteriors, with paved driveways, cement walks make for beautiful curb appeal. The ICF construction goes all the way to the roof line. Additional features include auto garage door opener with key pad, 6 engineered hardwood floors and stairs, porcelain tile in bathrooms and entrance ways, 6 baseboards, thermal low E vinyl windows, designer lights, master bedroom shower is glass and porcelain tile, quartz countertops in kitchen and all bathrooms, stainless steel hardware. Patio doors open on to a great deck overlooking back yard. Optional finished basement includes a mini kitchen, 3 piece glass and tile bathroom and vinyl floor. PLEASE VIEW MLS#40491175 FOR VIRTUAL STAGED PICTURES (id:22681)

3 Bedroom 3 Bathroom 1773

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$597,777
112 BROOMER Crescent, mount forest, Ontario

112 Broomer Crescent

Mount Forest, Ontario

Are you retiring? A first time home buyer? You can afford this! Builder financing available for qualified buyers with $100,000 down at 2.99%. No gimmicks, no surprises, no fees. Start building equity now in this remarkably well built townhouse designed by a local builder. Slab on grade construction, in floor heating and gas fireplace for economic living. 2 bedrooms, 2 baths including ensuite and open concept living area. Tarion warranty in place. Please note photos with kitchen appliances are for display/demonstrative purposes only, kitchen appliances are not included. HST is included, Buyer to sign applicable HST rebate back to the Seller upon closing. (id:22681)

2 Bedroom 2 Bathroom 1204

Century 21 Heritage House Ltd.

For sale
$597,777
111 BROOMER Crescent, mount forest, Ontario

111 Broomer Crescent

Mount Forest, Ontario

Are you retiring? A first time home buyer? You can afford this! Builder financing available for qualified buyers with $100,000 down at 2.99%. No gimmicks, no surprises, no fees. Start building equity now in this remarkably well built townhouse designed by a local builder. Slab on grade construction, in floor heating and gas fireplace for economic living. 2 bedrooms, 2 baths including ensuite and open concept living area. Tarion warranty in place. Please note photos with kitchen appliances are for display/demonstrative purposes only, kitchen appliances are not included. HST is included, Buyer to sign applicable HST rebate back to the Seller upon closing. (id:22681)

2 Bedroom 2 Bathroom 1204

Century 21 Heritage House Ltd.

For sale
$399,000
1081 3RD Avenue E, owen sound, Ontario

1081 3rd Avenue E

Owen Sound, Ontario

CAN'T GET A MORTGAGE-SELLER WILL HOLD THE MORTGAGE (VTB) @ 10% INTEREST. Why waste your money on renting. Credit checks required and proof of paying rent on regular basis. This duplex offers an owner the ability to pay down the mortgage with the rental income. 1 bach., 1 bedroom and 2 bedroom plus a separate double car garage in the heart of downtown Owen Sound Total income after expenses is 29,791- call for more details. (id:22681)

3 Bedroom 3 Bathroom 1600

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$597,777
113 BROOMER Crescent, mount forest, Ontario

113 Broomer Crescent

Mount Forest, Ontario

Are you retiring? A first time home buyer? You can afford this! Builder financing available for qualified buyers with $100,000 down at 2.99%. No gimmicks, no surprises, no fees. Start building equity now in this remarkably well built townhouse designed by a local builder. Slab on grade construction, in floor heating and gas fireplace for economic living. 2 bedrooms, 2 baths including ensuite and open concept living area. Tarion warranty in place. Please note photos with kitchen appliances are for display/demonstrative purposes only, kitchen appliances are not included. HST is included, Buyer to sign applicable HST rebate back to the Seller upon closing. (id:22681)

2 Bedroom 2 Bathroom 1204

Century 21 Heritage House Ltd.

For sale
$1,749,000
76 MILLER LAKE SHORE Road, miller lake, Ontario

76 Miller Lake Shore Road

Miller Lake, Ontario

Two storey log - waterfront home on beautiful Miller Lake! Great views overlooking the lake. As you enter in the living area, enjoy the comforts of the open concept with a walkout to a large wrap around deck! Cozy wood burning fireplace to take the chill out of the air on those cool evenings and mornings. The main floor has a primary bedroom with an en suite, living/dining/kitchen, and a two piece powder room. The second level has a spacious landing that could be used as reading area and/or office space, two bedrooms and a four piece bathroom. The lower level is great for all sorts of entertainment; there is a wet bar, family/games room with walkout to patio, two additional bedrooms and a three piece bathroom. There is also a combination laundry/utility room. Home is meticulously designed throughout. The double detached garage has plenty of space for the cars and or the toys! Excellent docking facilities. Enjoy gathering around the flagstone firepit, toasting marshmallows or gazing at the stars! Property is excellent for swimming, boating - and all other water activities on the lake! Makes for a great family home or a four season getaway. Beautifully landscaped, paver stone driveway and flagstone. Home is located on a year round paved road. Taxes: $6152.22. Definitely not a driveby! You'll appreciate the quality of this beautiful home! (id:22681)

5 Bedroom 4 Bathroom 2960

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$1,125,000
92 MOORE Street, lion's head, Ontario

92 Moore Street

Lion's Head, Ontario

Beautiful and well maintained combination Timberframe and two storey home situated on the escarpment with incredible vistas overlooking Georgian Bay, the harbour and sandy beach in Lion’s Head. Property has a private setting with lovely gardens in spring and summer and early fall. Home has many features: Second floor has vaulted ceilings, wood flooring, custom designed kitchen, large combination family/dining room with walkout to deck. There is also a walkout to deck from kitchen and from living area; fireplace with insert, master bedroom en-suite with a three piece bath, and with a walkout to deck; additional bedroom and a four piece bathroom. Extensive deck for enjoying the gorgeous views overlooking Georgian Bay. Main level features terra cotta tiles, large guest master bedroom with an en suite, walk in closet, large sitting area with cozy woodstove to enjoy on those cool mornings and evenings, and with a walkout. Main level also has a workshop – great for woodworking. Computer/office room, laundry/utility room, two piece powder room, plenty of storage space. Home is wheel chair accessible and has an elevator. Active security system, in-floor heating throughout the home. There is a double detached garage with a loft that allows for even more storage! Updates include stove in kitchen, main level renovations were done in 2010, sliding doors were replaced in 2014, roof was re-shingled in 2014, French doors and stained home in 2015, and decks in 2019. Property size is 100 feet x 375 irregular. Great setting - close to Bruce Trail especially if you enjoy hiking or nature walks, downtown shopping, beautiful sandy beach and marina, school, hospital, and all other amenities that the village has to offer. A great place to call home! (id:22681)

3 Bedroom 3 Bathroom 3200

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$2,799,000
82 BELL Drive, kincardine, Ontario

82 Bell Drive

Kincardine, Ontario

A spectacular custom built home on a beautiful 66’ sandy, lakefront beach. Mature landscaping surrounds this 4700 sqft, 2 storey, welcoming home. Built by Bradstone in 2012, the detail & quality is impressive, with completely finished and functional living space and expansive patios and lawns with irrigation system. It is obvious that the home has been meticulously maintained. Lakefront is fully windowed and boasts magnificent views 365 days a year & in particular, the sunsets, from the open concept, cathedral ceilinged, family space. This space is enhanced with a grand, gas fusion fireplace with a polished limestone mantle. As you approach street side you will notice the designer stone exterior & interlocking pathway to the gracious entrance. From your first step into the grand foyer, with balcony above, you will enjoy an immediate view of the lake. As you tour the home you will notice many high end features which set this home apart, including, engineered hardwood flooring and ceiling, in floor heat, ceramic tile, elevator, many accessibility features including wide hall/door ways, automation controlled lighting and audio system throughout, power window coverings, electric kitchen drawers, stone counters, custom cabinetry, alarm system & automatic generator. The design has been intentional to offer main floor living if desired. The large primary bedroom offers dual walk in closets with impressive cabinetry & also a well detailed ensuite. Also on the main level is the open concept great room with dining & kitchen space with pantry, office, den with vaulted ceiling, 2pc bath, laundry room & utility room. Second floor offers a loft, ideal for a games space, 3 bedrooms, 4pc bath & an additional flexible large room (with sink) which could be used as a bedroom, workshop, gym, art studio or kids playroom. The attached oversized, 2 car, heated, insulated garage has a second stairway to the second floor living space. Park, tennis court & boat club within walking distance. (id:22681)

4 Bedroom 3 Bathroom 4700

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$549,900
50 PARADISE Drive, northern bruce peninsula, Ontario

50 Paradise Drive

Northern Bruce Peninsula, Ontario

Nestled on the scenic Bruce Peninsula, this raised BUNGALOW is a perfect getaway for those who appreciate nature's beauty. Meticulously renovated, this home boasts two bedrooms and a full bathroom. As you step inside, you'll be greeted by a bright and inviting foyer that leads to an open seating area complete with a charming wood-burning fireplace. The living and dining spaces seamlessly flow into the custom kitchen, which has been thoughtfully updated with contemporary touches and large windows that provide picturesque views of the surrounding landscape. The backyard of this property offers tranquility at its finest, with ample space for outdoor activities and a backdrop of lush trees. For evenings spent under the stars, there's even a fire pit where you can roast marshmallows and immerse yourself in the serene ambiance. With over an acre of privacy, you're guaranteed to feel relaxed and rejuvenated in this peaceful setting. Situated within close proximity to Lake Huron enjoy canoeing, kayaking, paddle boarding, and swimming offering breathtaking sunset views. The property is centrally located, making it easy to explore nearby destinations like Lion’s Head, Tobermory, Wiarton, Singing Sands Beach, and The Grotto. If you long for a tranquil retreat amidst nature's embrace, look no further than this captivating raised bungalow. Contact a REALTOR® today to book a viewing to see for yourself. (id:22681)

2 Bedroom 1 Bathroom 927.8100

Exp Realty

For sale
$359,900
536 11TH Avenue Unit# 501, hanover, Ontario

536 11th Avenue Unit# 501

Hanover, Ontario

Care free living. This two bedroom, two bathroom condo is very well maintained and is located in the Heart of Hanover. The home features hardwood flooring, eat in kitchen, and large ensuite. The condo is just a short walk downtown to banking, groceries, pharmacy and post office. Building offers a large common room, elevator, security entrance, storage and private parking. Don't miss your opportunity to view this property. Available for immediate possession. Call today to book your viewing. (id:22681)

2 Bedroom 2 Bathroom 1200

Wilfred Mcintee & Co Ltd Brokerage (Walkerton)

For sale
$1,270,000
23 GODERICH Street, kincardine, Ontario

23 Goderich Street

Kincardine, Ontario

Nestled along the Lake Huron shoreline in Kincardine, this recently updated year round cottage offers an idyllic setting perfectly situated in its own treed enclave, enjoying incomparable views and the soothing tranquility of crashing waves. Only a short distance from downtown, an easy walk along the lakefront footpath and boardwalk, this beautiful, natural setting is so close to all the amenities the Town has to offer. The cottage itself sits at an elevated level, the frontage offers a tree-lined circular driveway and double car detached garage. Shrubs and ground cover surround winding steps up to a patio for watching life along the water and enjoying the seasonal changes year round. The entry level layout flows freely from one part of the cottage to the next with majestic lakeviews from all primary rooms. An open plan design, you enter into an inviting atmosphere: the dining room, complete with cathedral ceiling and propane fireplace will allow family and guests to enjoy many get togethers; the living area is complimented by patio doors to the peaceful and private backyard. The kitchen offers plenty of custom cabinetry and countertops, the colourful backsplash adds a special decorative touch and a conveniently located bar offers sitting space to enjoy your morning coffee and those captivating views. The large, primary bedroom enjoys swathes of windows providing plenty of natural light, double closets plus an ensuite complete with tile, glass shower...yes you can fall asleep enjoying the sunsets over Lake Huron! Two more good sized bedrooms, one with patio door onto back deck, and a guest bathroom also home to the washer/dryer combination, complete this captivating, contemporary cottage. Invest in your own slice of paradise: whether it be a year round home or a relaxing escape to enjoy time with family and friends, t'will be a place to make memories.....Enjoy video and 3D tours.. (id:22681)

3 Bedroom 2 Bathroom 1500

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$549,900
134 9TH Street, hanover, Ontario

134 9th Street

Hanover, Ontario

Great brick duplex in good area of town with market-value rents. Both units are currently rented. Upper unit is rented for $1250 + 40% of the total utilities (Hydro, Gas, Water). Lower unit, which includes the back deck and basement, is currently rented for $1600 including Hydro, Gas & Water. Both units included Stove, Fridge, Washer and Dryer. Building has been well maintained and is in great condition. New metal roof 2019. Furnace 2011. As well, the lower unit has a newer kitchen, newer shower and vanity in the bath room, a newer closet in the bedroom, newer entrance door and newer washer and dryer. The upper unit has a newer entrance door, newer washer and dryer, and a newer range hood. The property has a large yard with storage shed and a double-wide driveway. Great investment property! Affordable 1st time investment opportunity - you live in one unit and let the other help pay your mortgage! (id:22681)

2 Bedroom 2 Bathroom 1250

Royal LePage Rcr Realty Brokerage (Hanover)

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

You Could Be Saving Money!

Canada’s Playground

Owen Sound, Ontario

Where Is Owen Sound?

Owen Sound, Ontario lies approximately two hours northwest of Toronto and is a central hub for all destinations in Grey and Bruce counties. Located approximately 30 minutes from Blue Mountain, one of Ontario’s most popular skiing and snowboarding destinations. Owen Sound and the surrounding area is warmly called home by over 30,000 people living at the base of Georgian Bay, where the Sydenham River and Potawatomi River converge. In the summer months you will find Owen Sound to be a thriving city in close proximity to Sauble Beach, a very popular destination for both local traffic and tourists alike, as well as many smaller towns with lots of activities and venues for recreation and relaxation. Owen Sound serves as a meeting point of four of Ontario’s provincial highways: Highway 6&10 from the south, Highway 26 from the east, and Highway 21 from the west.

Being established in 1851, Owen Sound includes many different types and styles of homes for sale. A prospective buyer will find century homes with original hardwood flooring and crown mouldings, intimate war-time houses suitable for retirement living or small families, split level bungalows, updated retro houses and a more modern flare of newly built houses in suburbs throughout the town.

Nature, Outdoors, and Activity
Owen Sound is located right on the Niagara Escarpment and is a matter of minutes from the Bruce Peninsula which boasts tall cliffs, incredible rock formations, great beaches and is home to the beautiful Bruce Peninsula National Park. The Park is famous for its many attractions, including ‘The Grotto’ with it’s crystal clear waters, ‘Fathom Five National Marine Park’, ‘Indian Head Cove’, as well as Cyprus Lake. The famed Bruce Trail that runs from Niagara to Tobermory also winds its way through the forests, woodlands, and rivers surrounding Owen Sound as it makes its way toward Wiarton and the Bruce Peninsula. Among these rivers are numerous local waterfalls that offer picturesque landscapes for events, recreation, and peacefulness. Owen Sound’s natural beauty will leave you breathless in its splendor.

Buying real estate in Owen Sound means you can spend your days doing things most people only dream of. In Owen Sound you can experience snowboarding and skiing, snowshoeing and hiking the Bruce Trail in the winter, the kilometers-long sand beach and waters of Sauble Beach and Port Eglin in the summer. You can live in some of Ontario’s most beautiful scenery if you invest in Owen Sound real estate. Owen Sound itself boasts a beautiful harbour, with many walking paths, trails, and parks to enjoy the extensive waterfront.

If you desire to escape the fast-paced city life with your own piece of land on which to build the home of your dreams, I can help you to find the perfect vacant lot or land for sale in Owen Sound. With both budget and luxury home builders in the area, incredible landscaping professionals and top-notch tradespeople, no size or complexity of home build is too great or small.

There are many homes for sale in Owen Sound and Grey Bruce areas, and with my extensive knowledge of the local area and my commitment to learning you and your likes and dislikes, I am confident that I will be able to find not just house that you like, but a place that you can call home.

Education
If you’re thinking of buying a home for sale in Owen Sound, ON and you’re wondering about the education available in Owen Sound, you won’t be disappointed. Owen Sound has three excellent secondary schools: Owen Sound District Secondary School (OSDSS) as well as Saint Mary’s High School (SMHS) and École St-Dominique Savio for those looking for a more private education. Owen Sound’s devotion to education begins in the earliest of years with many preschool and daycare centres available for young parents to choose from, including the Julie MacArthur Regional Recreational Center (YMCA). Parents of older children will be pleased to know of the many options for elementary age children, such as public schools (East Ridge Community School, Hillcrest Elementary School, Alexandra Community School, Keppel-Sarawak Community School) along with private schools (Timothy Christian School, Riverforest Montessori School). For those looking for post-secondary education, Owen Sound boasts a Georgian College campus with a wide assortment of courses available.
Local Amenities and Attractions
If you’re thinking of buying a home or vacant land in Owen Sound, you might be wondering about the amenities and services available in the area. While we can’t list everything, here’s a short list to give you an idea: Multiple elementary schools, two excellent high schools, a Georgian College campus with residencies close by, a developing shopping centre, unique and artisan shops, and lots of community parks with natural and man-made playgrounds. Owen Sound also boasts the largest and best-equipped hospital and medical staff in the area. Many fast-food restaurants are available for those on the go, but there are also numerous sit-down, fine dining options for those with a more refined taste. Owen Sound is home to multiple golf courses, some of which are well-renowned for the quality of their courses, as well as many museums that focus on our rich cultural background and significant history. With lots of programs for youth and adults alike, Owen Sound has something for everyone.

Owen Sound is also home to the Owen Sound and District Farmer’s Market; a local market that is open every Saturday morning throughout the year. The Market hosts a wide variety of local artisans and growers, and has been in the same location since 1868. Many other markets exist within a short drive from Owen Sound, in places such as Keady, Port Elgin, Southampton, Wiarton, Meaford, Thornbury and more!

If you are considering buying real estate for sale in Owen Sound, and you love to fish, then this is the place for you. Owen Sound’s annual Salmon Spectacular is famous and draws participation from all over Canada and the United States each year. Additionally, some of the largest rainbow trout in the world have been caught in Owen Sound.

RRSP HOME BUYER'S PLAN

This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
You can also use it to buy or build a new home for yourself or someone you know with a disability.

Home buyer's tax credit

The First Time Home Buyer Tax Credit is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.

First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. You could net up to $750! However, you cannot have lived in another home you or your partner owned in the previous 4 years.

If you have a disability (I.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

Genworth Canada Energy-Efficient Housing Program
Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.
Land Transfer Tax Refunds for First-Time Home Buyers

Under this program, if you’ve never owned a home anywhere before – ever – you could quality to receive a refund of the land transfer tax for the first $368,000 of the value of the home. The maximum amount of the refund is $4,000.

The biggest hurdle in qualifying for the maximum amount of this program is that all purchasers of the home must be first-time homebuyers. If one or more of the purchasers has owned a home anywhere in the world previously, the amount will be reduced.

GST/HST Tax Credit

The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid – up to $1,500 – for new or substantially renovated house that is your primary place of residence provided that you meet all the eligibility requirements.

CMHC Green Home

If you buy, build or renovate for energy efficiency using CMHC-insured financing, you could receive a 15% rebate for building a home to ENERGY STAR standards or up to 25% for building a home to R-2000 building standards.

Northern Locations Energy Credit

Those living in a qualifying location can take advantage of the Northern Ontario Energy Credit. This tax credit allows single people to receive a credit on their taxes of up to $151 and allows families (including single parents) to receive up to $232.

The purpose of this program is to help Northern Ontario residents with the higher energy costs they face living in the north.

Ontario Every And Property Credit

Non-seniors can receive up to $1,043 while seniors can receive up to $1,187. Even students can receive a credit of $25 if any of their costs were related to energy costs, and if you live on a reserve or in a public long-term care home, you can receive up to $232.

Options For Homes
If you are looking to purchase a new condominium, this is a non-profit group that offers different ways of paying for a condominium, including loans and discounts, and offers down payment support.
They also offer a Condo 101 class that explains what someone should look for then they purchase a new condominium.
Habitat For Humanity

You can be a homeowner! Get of the rent rut with Habitat for Humanity. This group helps low-income families build and buy simple, decent quality, affordable homes through a no-interest mortgage with payments set at less than 30% of gross income. Instead of a down payment, families contribute their sweat equity

Municipal Land Transfer Tax Rebate Program

If you are a Canadian citizen or a permanent resident living in Toronto and you’re ready to buy your first home, don’t forget to register for the land transfer tax rebate. In conjunction with the provincial tax credit, you can get up to $4,475.00 back from the land transfer tax you pay when you buy your home.

Both new and existing homes qualify, but neither you and/nor your spouse can ever have owned a home before at any time anywhere in the world. Don’t delay, because to receive the entire rebate, your application has to be reviewed by the City of Toronto before the 10-day deadline is up!

Daniels FirstHome Boost Program

Daniels FirstHome has an innovative payment plan that is much more flexible and achievable in the midst of today’s fluctuating new mortgage rules. With locations throughout the Toronto area, this builder offers condos and townhomes in attractive neighbourhoods aimed at first-time home buyers.

The program offers an interest-free, 20-year forgivable loan for 10% of the down payment that, when added to the 5% that you need to put down, “boosts” your down payment to 15%. On top of that, you could also qualify for an additional $25,000 in financing. You don’t even have to have the whole 5% up front. All you need to get started is $3,500 when you sign the Agreement to Purchase and Sale, and then you can pay $1,000 a month after that until you reach the required 5%.

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