Ontario real estate law, delivered virtually
Serving Niagara Falls clients through a fully virtual Ontario real estate law practice. Jaramillo Law Professional Corporation assists buyers, sellers and homeowners in Niagara Falls with purchases, sales, mortgage refinances and title transfers — with transparent pricing and remote signing where appropriate.
Transparent pricing
Straightforward starting fees for common residential transactions in Niagara Falls and across Ontario. We confirm the full estimate after reviewing your file.
Pricing applies to standard residential transactions. Title insurance, registration charges, searches, bank charges, courier charges, government fees and other applicable disbursements are additional. Additional legal work, complex title matters, private mortgages, urgent matters and non-standard transactions may result in additional fees.
Ontario purchase closing
For a standard purchase in Niagara Falls, our consumer-facing offer is the $1,399 All-In Special. The underlying legal fee is $790 plus HST and disbursements; the special bundles the legal fee, HST, standard disbursements and standard registration charges into one price.
$1,399 All-In Purchase Closing Special
Includes legal fees, HST, standard disbursements and standard registration charges. Land Transfer Tax and title insurance are additional. No surprise standard closing charges.
What we do
Experienced support for residential purchases, sales, refinances, title transfers and independent legal advice.
Legal support for Ontario residential purchases, including reviewing the transaction, investigating title, coordinating with your lender, preparing closing documents, registering the transfer and reporting after closing.
Buying in Ontario? Estimate your down payment remaining, land transfer tax, title insurance and legal closing costs.
Calculate Your Closing FundsWe coordinate the legal completion of your sale, prepare the necessary documents, address title and payout requirements, receive the closing funds and arrange payment of the net sale proceeds.
We work with your lender, review the mortgage instructions, prepare and register the mortgage, complete required payouts and report to you and the lender.
Legal assistance with adding or removing someone from title, family transfers, spousal transfers and other ownership changes, subject to applicable lender, tax and legal requirements.
Clear and independent advice when you are asked to sign a guarantee, mortgage, transfer or other document affecting your legal rights.
How it works
A clear, four-step process designed to keep your transaction moving with minimal travel.
Complete the short form or call our office.
Our team will advise what documents and information are required.
Meet with our legal team through a secure video appointment and sign electronically where permitted.
We coordinate the legal work, registration and movement of closing funds, and keep you informed.
Some lenders or transactions may require original documents, in-person verification or additional signing arrangements. We will advise you if this applies.
Services in your area
Experienced support for purchases, sales, refinances and title transfers in Niagara Falls, handled through our virtual Ontario service model.
When buying a home in Niagara Falls, your lawyer reviews the Agreement of Purchase and Sale, investigates title, arranges title insurance, coordinates with your lender, confirms the closing funds, registers the transfer and mortgage, and reports after closing. Ontario Land Transfer Tax applies and is additional to legal fees.
The $1,399 All-In Purchase Closing Special includes the legal fee, HST on the legal fee, standard disbursements and standard registration charges for one purchase with one mortgage. Land Transfer Tax and title insurance are additional. Use the calculator to estimate the funds needed to close on a Niagara Falls home.
When selling a Niagara Falls property, your lawyer reviews the agreement, obtains mortgage payout statements, answers requisitions, prepares closing documents, completes the electronic closing, pays the required secured amounts, releases the net sale proceeds and reports to you after closing.
Because the process is largely electronic, a Niagara Falls sale can be coordinated through our virtual service model.
For a Niagara Falls refinance, your lawyer receives lender instructions, searches title, registers the new charge, pays out existing secured obligations as required, arranges title insurance where needed, receives and disburses the mortgage funds, and reports to you and the lender.
Remote signing is available where legally and practically appropriate for eligible Niagara Falls refinances.
Common Niagara Falls title-transfer situations include adding a spouse, removing an owner, family arrangements and refinancing-related ownership changes. Each transfer is subject to applicable lender, tax and legal requirements and is reviewed individually. This page is general information, not individualized legal advice.
Niagara Falls sits along the Niagara River in the Niagara Region, known worldwide for the falls and a substantial tourism economy. Beyond the tourist core, the city is a working residential community. Lundy’s Lane is a long commercial and residential corridor, while Chippawa, in the south along the river, is a distinct older village within the city. Stamford and the Drummond Road area mix established homes with newer infill, and the South End continues to add suburban development.
Housing ranges from older homes near the historic core to suburban single-family builds, townhouses and condominiums. The tourism sector supports a steady rental and investor market, and the city sits within a short drive of St. Catharines, Niagara-on-the-Lake, Welland and Fort Erie, all part of the broader Niagara Region real estate market and its wine country.
Ontario real estate law applies uniformly across the province, so a Niagara Falls closing follows the same legal steps as a transaction anywhere in Ontario. A virtual real estate lawyer can handle title searches, document preparation, lender coordination and registration electronically, with remote signing where legally and practically appropriate.
Communities and areas referenced include Lundy’s Lane, Chippawa, Stamford, South End, Drummond Road area, nearby Niagara Region communities (Niagara-on-the-Lake, St. Catharines, Welland, Fort Erie).
Land Transfer Tax
Ontario Land Transfer Tax applies to most Niagara Falls purchases. Niagara Falls does not have its own municipal land transfer tax; the Toronto Municipal Land Transfer Tax applies only to properties located in Toronto.
Eligible first-time buyers may qualify for a provincial LTT rebate, subject to eligibility. Land Transfer Tax is not included in the $1,399 All-In Purchase Closing Special. The closing calculator estimates the LTT on a Niagara Falls purchase.
Authoritative information on Ontario Land Transfer Tax is available from the Government of Ontario. The City of Toronto’s separate municipal land transfer tax applies only to properties located in Toronto.
Closing cost calculator
The calculator estimates your remaining purchase price balance, Ontario Land Transfer Tax, first-time buyer rebates, mortgage proceeds, deposits paid, the title insurance you enter, and the $1,399 All-In Purchase Closing Special — so you can see the estimated funds required to close on a Niagara Falls home.
The calculator includes the $1,399 All-In Purchase Closing Special in its estimate. Land Transfer Tax and title insurance are entered separately.
Why go virtual
Practical benefits of completing your Ontario real estate transaction remotely.
About the firm
An Ontario law firm providing real estate legal services virtually since 2017.
VirtualRealEstateLawyer.ca is operated by Jaramillo Law Professional Corporation, an Ontario law firm that serves clients throughout Ontario through a virtual service model. The firm has no physical office in the cities listed on this site unless stated otherwise.
Frequently asked questions
Direct answers about virtual closings, fees and how the firm works.
Contact us
Complete the form below and our legal team will contact you to discuss your Ontario real estate transaction and confirm the applicable fees.
Start your file
Tell us about your transaction. We will contact you to discuss the next steps.
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Ready when you are
Tell us what type of transaction you are completing and our team will contact you to discuss the next steps.
Submitting a form or calling the firm does not create a lawyer-client relationship. Representation is subject to a conflict check and the firm’s acceptance of your matter.