OfficeTel: 506.473.6960 Fax: 506.473.5453 1-888-473-5453 E-mail: [email protected]...

OfficeTel: 506.473.6960OfficeTel: 506.473.6960Fax: 506.473.5453Fax: 506.473.5453

1-888-473-5453E-mail:E-mail: [email protected]

Re/Max Residex EntreprisesRe/Max Residex Entreprises258 Blvd Broadway, 258 Blvd Broadway,

Grand Falls, N.B. E3Z 2K4 Grand Falls, N.B. E3Z 2K4

Website: Website: www.remax-residex.comwww.remax-residex.com

France PelletierFrance Pelletier

Campbellton – RestigoucheGrand Falls / Edmundston– Madawaska/Victoria

OfficeTel: 506.759.9080OfficeTel: 506.759.9080Fax: 506.759-9094Fax: 506.759-9094

1-877-804-3784E-mailE-mail: : [email protected] [email protected]

Murielle MoreauMurielle Moreau Patrice OuelletPatrice Ouellet Lise ArseneaultLise Arseneault Robert StewartRobert Stewart

mailto:[email protected]

http://www.remax-residex.com/

• MARKET ANALYSISMARKET ANALYSISA

ProfessionalMarket analysisOf your home’sValue in today’s

Market.

To provide a more detailed Comparative Market Analysis, we would be more than

happy to also assess your listing in person

If your home is presently listed with another real estate broker please

disregard this offer.

Just Look How RE/MAX Dominates!

Selling your Property can be ComplicatedSelling your Property can be Complicated has created a comprehensive strategy that helps you

navigate the property sale process. This eliminates any stress or worries you may have.

Needs

Marketing

Pricing

Preparation

Negotiating

Contract to ClosingTel: 506.473.6960Tel: 506.473.6960

Fax: 506.473.5453Fax: 506.473.5453E-mail: [email protected]: [email protected]

Re/Max Residex EntreprisesRe/Max Residex Entreprises

Tel: 506.473.6960Tel: 506.473.6960Fax: 506.473.5453Fax: 506.473.5453

E-mail: [email protected]: [email protected]

Selling your home or property in Restigouche, Madawaska & Victoria CountySelling your home or property in Restigouche, Madawaska & Victoria County

www.remax-residex.comwww.remax-residex.comWhen it’s time to sell your home in Restigouche, Madawaska, & Victoria County, you must be confident that every element of negotiating the best terms and the highest price has been set before your home is even listed.

The real estate market in Restigouche, Madawaska & Victoria County, is volatile, especially lately, and it takes an experienced professional to move your house quickly, professionally, and profitably.When you’ve decided to sell, We will be your advocate, your guide, and your fierce negotiator. We will work hard to make yours a great sale. We look forward to it. Re/Max Residex EntreprisesRe/Max Residex Entreprises

Why hire a Real Estate Professional?Why hire a Real Estate Professional?Should you spend the money on a real estate commission or save that money by selling your home

by yourself? That is a question many home sellers ask themselves. Today, we want to discuss why it is crucial to have a true professional guiding you through the minefield of challenges that exist in the current real estate market.

The housing market today is more challenging than it has ever been and seems to be becoming more difficult each day. What impact will foreclosures have on prices? Which loan products that were available just last month are no longer available? How do you convince perspective purchasers to pull the trigger on an offer when everyone is telling them that they should see another 100 houses before they make a decision? These are tough questions for a trained, experienced professional. The lay person would find it almost impossible to keep abreast of this rapidly evolving industry.

Here are six important reasons to use a real estate professional:1. Pricing Is Difficult Just a few years ago, you didn’t have to worry about overpricing your home. If it was too high, all you needed to do was wait as historic appreciation was taking place. The situation is quite different today. With the possibility of a continuing drop in home values, overpricing your property will cost you time. In this market, time costs you money. A professional real estate agent will discuss how increasing inventory could dramatically impact the value of your property in the months to come. They will help you set the right price in today’s market.

2. Negotiating Ability Is Crucial Buyers today have an almost unlimited supply of homes from which to choose. They realize this puts them in a great negotiating position. Most buyers are now being represented by an agent. Sellers need to also be represented by a professional expert trained to negotiate real estate contracts.

3. Mortgaging Is Key to the Deal The biggest impact on the housing market collapse is that lending standards are much stricter today than they were a few short years ago. Rules are constantly changing. Even FHA has gone through a guidelines overhaul in the last several months. You need a real estate expert who has teamed up with a knowledgeable mortgage professional to make sure that the buyer in the deal is in fact capable of obtaining a mortgage. Losing time with an unqualified buyer costs you money in a market where prices are falling.

4. Your Family’s Safety We have always found it puzzling that the same person who will lock every door and window and set the alarm today will then allow total strangers into their house tomorrow. The real estate industry trains its practitioners to take steps to protect themselves and their clients. Take advantage of putting a person between you and the person calling on an ad or a yard sign.

5. You Probably Have More Important Things to Do Selling a home could turn into a full time job. Learning the necessary disclosures, coordinating the dates of your closings, dealing with a challenge regarding your appraisal and re-negotiating the offer after an engineer’s report are just a few of the concerns you may face. You would probably be better off spending that time with the items important to you and your family and leaving the challenges to your agent.

6. Exposure to Potential Purchasers When sellers think of getting exposure for their home, they immediately think of print advertising. Certain print media might still have a place in marketing a niche property (luxury, equestrian, waterfront, etc.). However, we want our readers to know that although print advertising has traditionally been the way homes had been introduced to the buying public, the medium has been losing its impact over the last several years.

“…hire a trained professional. In the long run, you will wind up with more money in your pocket and have fewer challenges…”

Recent studies have shown that less than 3% of buyers find their home through newspaper advertising today. At the same time, over 30% find a home through the Internet. Let’s take a look at how real estate experts market listings today.

••Multiple Listing Systems (MLSMultiple Listing Systems (MLS) Once you list your property with a member of the local MLS, every other member of the system is alerted that your house is now available for purchase. In a matter of hours, hundreds or thousands of real estate professionals have the ability to easily share the specifics of your home with each of their buyers. There is nothing an individual seller can do to come close to this immediate exposure to thousands of potential buyers.

••Internet Sites Internet Sites Almost every real estate company and many agents have their own websites promoting their homes for sale. Many companies also have standing relationships with national listing aggregators (Trulia, Zillow, Yahoo!, etc.). It would be impossible for a seller to get the width of exposure the real estate agent has at his/her fingertips.

•Social Media More and more industry professionals are learning the power of social media when promoting real estate. They have created a community of followers looking for information about the region or neighbourhood where they work. Of course, a percentage of those followers will be interested in what is taking place with the real estate market within that area. A new venture, which has not yet been fully utilized, social media is beginning to play a larger role in the marketing of an area and the homes in that area.

Bottom Line To make sure the sale of your home is handled professionally — hire a trained professional. In the long run, you will wind up with more money in your pocket and have fewer challenges with the move.

The Right Selling Price Affects Your Bottom LineThe Right Selling Price Affects Your Bottom LineWhen you’re selling your home the price you set is a critical factor in the return you’ll receive. That’s why you need a professional evaluation from an experienced REALTOR®. This person can provide you with an honest assessment of your home, based on several factors including:

•Market conditions - Condition of your home - Repairs or improvements - Time frameMarket conditions - Condition of your home - Repairs or improvements - Time frameIn real estate terms, market value is the price at which a particular house, in its current condition, will sell within 30 to 90 days.

•If the price of your home is too high, several things could happen:If the price of your home is too high, several things could happen:Limits buyers. Limits buyers. Potential buyers may not view your home, because it would be out of their buying range.

Limits showingsLimits showings. . Other salespeople may be less reluctant to view your home.

Used as leverage. Used as leverage. Other realtors may use this home to sell against homes that are better priced.

Extended stay on the marketExtended stay on the market. . When a home is on the market too long, it may be perceived as defective. Buyers may wonder, “what’s wrong,” or “why hasn’t this sold?” Lower price. Lower price. An overpriced home, still on the market beyond the average selling time, could lead a lower selling price. To sell it, you will have to reduce the price, sometimes, several times. In the end, you’ll probably get less than if it had been properly priced at the start. Wasted time and energy. Wasted time and energy. A bank appraisal is most often required to finance a home.

REALTORS® REALTORS® have known it for years – Well-kept homes, properly priced in the beginning always get you the fast sale for the best price! And that’s why you need a professional to assist you in the selling of your home.

The Right Selling Price

Selling a Home As a real estate seller, you can play an important part in the timely sale of your property. When you

take the following steps, you'll help your RE/MAX Sales Associate sell your home faster, at the best possible price.

Guidelines for the real estate seller Make the most of that first impression A well-manicured lawn, neatly trimmed shrubs and a clutter-free garden help real estate sellers put their best foot forward and make prospects feel welcome. So does a freshly painted - or at least freshly scrubbed - front door. If it's autumn, rake the leaves. If it's Spring colour makes your home look cheerful. The fewer obstacles between prospects and the true appeal of the real estate seller's home, the better.

Invest a few hours for future dividends Here's your chance to clean up in real estate. Tidy the living room, the bathroom, the kitchen. If your woodwork is scuffed or the paint is fading, consider some minor touch-ups and redecorating. Real estate sellers can benefit from updating the hardware on kitchen cabinets, adding new slipcovers to sofas and keeping a vase of fresh flowers in the entryway. These are some of the simple touches that can go a long way. If you're worried about time, hire professional cleaners or painters to help get your house ready. Remember, prospects would rather see how great the real estate seller's home really looks than hear how great it could look "with a little work."

Check taps and bulbs Dripping water rattles the nerves, discolours sinks and suggests faulty or worn-out plumbing. Burned-out bulbs or faulty wiring leave prospects in the dark. Don't let those problems detract from what's right with your home.

Buying a Home

Whether you've spent years saving and preparing to buy a home or you're unsure if you can afford it, the questions surrounding home buying can feel endless. You can find the answers - and

peace of mind - by working with RE/MAX, the industry leader in experience and service. There are not many times in your life that you spend such large amounts of money so don’t stress have fun and enjoy it! Here are some tips to help you become your own landlord through home buying.

•Use a real estate professional. An important first step is to select a professional agent to help you find your dream home and fine-tune your financial expectations. Your RE/MAX Agent can guide you through every step of home buying.

•Shop for mortgage rates and terms. A difference of even half a percentage point can mean a

considerable savings over the life of a loan. For example, the difference in the monthly payment on a $100,000 mortgage at 8 percent vs. 7.5 percent is about $35 per month. Over 30 years, that's $12,600.

•Prequalify for a loan. Also early on, you'll want to get prequalified for a mortgage loan, which determines how much you can afford. It allows you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious about home buying and can afford to buy the property.

•Outline what you want. The next step in home buying is to create a realistic idea of the property.

www.FitToSell.cawww.FitToSell.ca

It’s good to know RE/MAX is the 2nd highest visited Real Estate site!

The enormous amount of direct traffic is a great way to make sure your property is getting seen.


www.remax-residex.comwww.remax-residex.com

Let’s Look at Comparable’s & What is your competition

• Market conditions • Condition of your home • Repairs or improvements • Time frame

www.remax-residex.comwww.remax-residex.com

Negotiating

Let’s review negotiating strategies in advance of the sale

We can discuss and determine…

My role in counter offers Buyer approvals Dealing with conditions Deposit amounts

Remember, I am working to HELP you and the final decision is

ALWAYS yours.

The Power of In the Community

www.remax-residex.com

To help me best understand your needs, please explain to me:

Why are you selling?

When would you like to be in your new home?

What are your biggest concerns with the sales process?

Meeting Your Needs


Let’s Go Through the Contracts• Listing Agreement• MLS Data Forms• Working with a Realtor Form• Fintract Identity Form


Sweet Smell of a Successful Sale!Sweet Smell of a Successful Sale!Scents and aromas can have a dramatic impact on people’s emotions, Scents and aromas can have a dramatic impact on people’s emotions, otherwise, there wouldn’t be a multi-billion-dollar fragrance industry!otherwise, there wouldn’t be a multi-billion-dollar fragrance industry!

• Don’t ignore the power of fragrance when showing your home. Smoke, pet odours, and cooking smells can each dramatically impact how potential buyers feel about your house.

• If your potential buyers never form an emotional connection to your home, chances are that they will remain just potential buyers and not serious ones.

• Do not allow smoking in your house for weeks leading up to showing it. Find a pet-sitter for a few days and clean, clean, clean! I know this is no fun but it is absolutely necessary.

• Once you have removed any sources of aromas that might be offensive, air out the home by opening as many windows as possible. Afterward, you can strategically place fragrance containers around the house to maintain that warm and cozy feeling. One word of caution though. Do not use fragrances that are too strong or mix fragrances from one room to another. Keep it simple, light, and uniform. Remember, you want your home to make a memorable impression on potential buyers not give them a headache!

• You might consider doing some baking prior to showings. The scent of fresh apple pie is hard to beat when it comes to creating the atmosphere of a welcoming home! If you like, you can leave out a few samples for the buyers to try.

TIP: In a pinch, a mixture of water, vanilla extract, and brown sugar in an oven TIP: In a pinch, a mixture of water, vanilla extract, and brown sugar in an oven on low heat can be used to create the pleasing aroma of fresh baking.on low heat can be used to create the pleasing aroma of fresh baking.

• To a certain extent, buyers make purchase decisions based on their emotional response, so it’s important to make it easy for them to fall in love with your home. Pleasant smells are one more way to do so.

Preparing Your Home For Sale !Preparing Your Home For Sale !• First impressions make a significant impact on a buyer's decision making First impressions make a significant impact on a buyer's decision making

process! process! • Once your home goes on the market, it becomes a product. Home Styling or Staging simply

allows you to highlight the best of your home and de-emphasize its flaws. It's not about decorating, but actually turning your home into a model, to appeal to the broadest range of prospective buyers. The goal is to make people feel like they could live there, and the best way to do this is to "neutralize" the surroundings.

• Try out these helpful styling tips taken from Setting the Stage at REALTOR® Magazine Online. They've compiled the best tips from stagers and real estate pros for things you can do for little or no expense to put your home in prime showing shape.

• Clear out closets and clutter. Sellers can give away or pack up toys, linens, and small kitchen appliances to store offsite. Buyers are also forgiving of storage boxes neatly tucked away in a garage or basement. Focus most on the most visible areas. The foyer, kitchen, living room, master bedroom, and family room. Remove photos, mementos, and dated items. Use plants in colourful pots or inexpensive wicker baskets to fill in empty spaces. Look to home catalogues for little details on beautifying the home. Group books, pictures, and objects appealingly on bookcases. Try angling one or two pieces of furniture slightly and move furniture 4 inches to 6 inches from the wall to create more interesting room spaces. Put away large collections of porcelains, plates, and so on. Remove valuables, prescription medicine, collectibles, and breakables. Trim trees, prune shrubs, and make sure the lawn is mowed and watered regularly. Refrain from cooking anything that leaves a distinctive odour, such as fish, garlic, or cabbage. Hire a professional service to clean the home, including the carpets and the windows. Set the dining room table with attractive linens, dishes, and stemware. Arrange fresh or silk flowers throughout the home. Light a fire in the fireplace in fall and winter. A mirror in a pretty frame can make a small room feel more open. Use as much natural light as possible. Add extra lamps in dark rooms or corners. Make functional repairs. Fix dripping faucets, sticking doors, and broken fences. Bring in another pair of eyes, even if it’s not a professional stylist. The person may see problems you and have missed.

Preparing Your Home For Sale !Preparing Your Home For Sale !

Let’s Go Through the Contracts• Listing Agreement• MLS Data Forms• Working with a Realtor Form• Fintract Identity Form


Determining Property Showing Instructions

Creating a communication plan

a) When is most convenient time to

contact you?

b) How should I contact you?

c) How frequently should I contact

you?

Next I will contact potential buyers

We will then plan your launch date

And finally we’ll Execute!

has created a comprehensive package of videos and checklists on the Top 10 Priorities for preparing a property for sale. Preparing your property for the market will help it sell at the best price in a shorter period of time

To help meet your needs and prepare your property for sale,

visit www.FitToSell.cawww.FitToSell.ca

What do Sellers want?What do Sellers want?• 1) Top Dollar for their House• 2) Exposure• 3) No Headaches• 4) Smooth Transaction• 5) Knowledgeable & Competent Agent

This is what you get when you work with us! • This is how it works! When a Realtor lists a property on the market, the property

circulates in the Northern & Valley Real Estate Board depends the area the house is situated. All Real Estate Companies will have access to view your property information and book an appointment through my brokerage to visit your property.

• What’s the difference about Working with Re/Max The difference between Re/Max, and all the other Real Estate companies out there is the Exposure and Professionalism we bring you!

• We bring you the largest exposure World Wide!

What do Sellers want?What do Sellers want?• Who needs to be involved?• 1) Re/max Agents• 2) Your Real Estate Lawyer• 3) Your Mortgage Bank

• The recipe for a sold home is 1 willing, qualified buyer, 1 motivated seller, 1 available property and us. A co-operating agent may get involved and bring their own buyer. It is wise to communicate with your bank and see what your options are with your mortgage. You will need a professional Real Estate Lawyer for closing. They will each play a role in our transaction and of course it’s you and me who make this possible.

• Expenses:

• Bank Options:• 1) Discharge Mortgage Penalty• 2) Port Mortgage• 3) Assume • We highly recommend you communicate with your bank to see what options you

have with your mortgage.

What do Sellers want?What do Sellers want?• Benefit from our negotiating experiences. There are many negotiating factors,

including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase.

• Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. We pre-screen and accompany qualified prospects through your property.

• Real estate has its own language. You can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.

What do Sellers want?What do Sellers want?• Re/Max Residex Entreprises agents have done it before. Most people buy and sell

only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. Re/max Residex Entreprises agents, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.

• Buying and selling is emotional. A home often symbolizes family, rest, and security

– it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.

Have any questions? Give us a call...

For Sale By Owner Myths & Other Uninformed Opinions

Tel: 506.473.6960Tel: 506.473.6960Fax: 506.473.5453Fax: 506.473.5453



Your Family’s Safety We have always found it puzzling that the same person who will lock every door and window and set the alarm today will then allow total strangers into their house tomorrow. The proposition of saving thousands of dollars is enough to catch the attention of anyone. The idea of listing a home for anywhere from $400 for a sign on the lawn and an ad on a website, to a couple thousand dollars if you want some of the additional services that a REALTOR® typically provides such as setting your price, getting your house ready to sell, to assisting you in closing the deal is tempting and awakens the entrepreneur inside some of us.

The burning question private sale companies use as their hook is why would you give profits from your home sale to a REALTOR® if you didn't have to?

If you are trying to decide between giving that well spoken REALTOR® thousands of your dollars or selling your home yourself because some do it yourself real estate company says its a snap then take a moment to learn some cold hard facts. There are salient reasons why more than 94% of home owners in Canada choose to use a REALTOR® when they sell. I'll share some facts and some myths with you but please don't just take my word here, do your own research and verify what I am telling you for yourself.

Myth number one: REALTORS® will charge you a standard 5-6% commission to sell your house.

Fact: Most for sale by owner companies base their selling pitch on the notion that REALTORS® will charge you 5- 6% to list and sell your home. In actual fact Real Estate sales is one of the most competitive industries there is. The choice of services and fee packages offered by REALTORS® in your market is likely as varied as the number of REALTORS®. The last word on commissions is set by you the seller and in my market if you can't come to an agreement on compensation with one REALTOR® there are over 1200 more you can approach.

Myth number two: "Selling your house on your own isn't as difficult as most Joe Schmo agents make it out to be" (a direct quote from the website of the non licensed PropertyGuys.com)

Fact: Less than one in five homes listed privately actually sell privately. Whereas over 95% of homes listed with a REALTOR® actually sell. Listing a home is as easy as banging a sign into the lawn but it is only a first step.

Statistics show more than half of the people who choose to list private eventually end up using the resources of a licensed REALTOR® to complete the task. If you have the time to, pick out 10 homes with for sale by owner signs in your area and watch them over the next year, at the end of the year you will see that more will have removed their sign or hired a REALTOR® or are still trying to sell private than will have sold with the private company.

Myth number three: Selling privately will always save you money over using a REALTOR®.

Fact: If you are listing privately in a sellers market and or have time to wait it out, eventually you should see offers coming your way. Every buyer that comes to you will also be looking at homes listed with REALTORS® or else they believe their is a financial advantage to be had in buying a private listing.

Most buyers who hunt out private listings do so because they believe you are saving money in commissions and can discount their offers accordingly, they assume they are dealing with someone who is not a professional negotiator of real property and chances are they know the area market better than most private sellers do. Private sellers become quite familiar with and often weakened over time by this breed of buyer. The longer it lists, the better the chance to take advantage. If you have listed privately in the past you know what I am talking about. A good percentage of successful private purchases are from these buyers and often the difference between the original list and eventual sell price is greater than the commission costs the buyer believed they would be saving themselves.

Myth number four: Any money you can save on Real Estate commissions = money in your pocket. Fact: If the last myth bust wasn't convincing, then consider these facts: Also be prepared for have to advertise your home for a much longer period of time than a REALTOR® would need to. Your most effective selling tool is going to be the sign on your lawn and the open houses you do, but keep in mind that of all properties sold through licensed REALTORS®, about one in every ten is the result of a sign call. The other 9 out of ten come through buyers introduced to the property by their REALTOR® and through professional marketing efforts.

All closings require legal documentation. Proper documentation and legally acceptable contracts safeguard both the buyer and seller and without a REALTOR® , you are the one who will be personally sued should complications arise, and litigation, lawyers charge by the hour. That documentation a REALTOR® typically handles for your sale will be left to you and your lawyer and comes at a price. REALTORS® carry Errors & Omissions Insurance to protect sellers and buyers in the event of a mistake, misrepresentation or unforeseen discrepancies and deficiencies relating to the property. Individual home owners do not. An error in the square footage of the property or some other detail or event often leads to being sued by the buyer. When represented by a REALTOR® it is they who would be sued and their insurance generally would cover any loss. A single mistake could end up costing you far more than a Real Estate commission. A REALTOR® is a valued insurance policy when one needs it.

You can bet that I hear by those who will say this is fear mongering and they have never had a problem in all of their private sales. The ones who have had problems likely won't give you the benefit of their experiences here.

Other advice & things you need to consider as you make your decision to list privately are:

•Make yourself available for the next few months - Many showings are booked at the last minute and though often frustrating from my perspective as a REALTOR® , we have to accommodate this. It’s kind of like being a fire fighter on call. •Many will see you are listed private and just knock at your door expecting to be able to come in and view your house on the spot. With the number of listings available to see you want to be able to accommodate showing request or risk them crossing you off the list and moving on to the next home. •Good REALTORS® screen buyers before taking them through a home. You may have to compromise precautions as your own agent but here is some valuable safety advice for private home sellers:During open houses, take people’s names and phone numbers at the door before allowing them into your home. Write down their license number and type and color of vehicle.

Put away all pocket-able items of value before showing your home IE: jewellery, watches, and cash. Check to see that all doors and windows are locked after each showing. Thieves are known to use open houses to scout out valuables in a home and possible points of entry then return when the home is empty. Never do an open house or showing alone. Have your partner, a friend or neighbour at the house with you when strangers are coming to view the property. Ask neighbours to keep an eye on your home while it is for sale and report any strangers on the property to you immediately. Otherwise neighbours might assume strangers on the property are there to view the home with your knowledge names and phone numbers when people call to book a viewing. Don't confirm a showing right away. Tell them you will call back to confirm. If they refuse to share name and number politely tell them they cannot view the home unless they do and end the conversation. Before calling back to confirm screen their name and phone number on the internet to verify

We are available for your ListingsWe are available for your Listings

France Pelletier Murielle Moreau Patrice Ouellet Lise Arseneault Robert StewartFrance Pelletier Murielle Moreau Patrice Ouellet Lise Arseneault Robert Stewart

Cell: 473-0751 Cell: 473-0980 Cell: 740-1916 Cell: 759-9002Cell: 473-0751 Cell: 473-0980 Cell: 740-1916 Cell: 759-9002 Cell: Cell: 684-0097684-0097

Tel: 506.473.6960Tel: 506.473.6960Fax: 506.473.5453Fax: 506.473.5453




Grand Sault-Edmundston–St-Quentin Edmundston–St-Quentin Campbellton – Restigouche County

Tel: 506.759-9080Tel: 506.759-9080Fax: 506.759.9094Fax: 506.759.9094


OfficeTel: 506.473.6960 Fax: 506.473.5453 1-888-473-5453 E-mail: [email protected]...

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