Thursday, November 10, 2011
November/ December Moves Magazine
See attached link of our latest electronic addition of MOVES Magazine! Leading Edge marketing and promotion of Real Estate in Fort McMurray! Watch for are hard copy around Fort McMurray. http://mydigitalpublication.com/publication?m=19198&l=1
Wednesday, August 17, 2011
Reduced!!
103 Graham Place Reduced to $623,900
202-136A Sandpiper Rd Reduced to $10,000 to $425,000
196 Caouette Reduced $10,000 to $414,900
Check out my Properties Tab for photos on these great homes!!!
202-136A Sandpiper Rd Reduced to $10,000 to $425,000
196 Caouette Reduced $10,000 to $414,900
Check out my Properties Tab for photos on these great homes!!!
Sunday, August 14, 2011
New Listing!!
196 CAUOETTE CRES
JUST LISTED.
$425,000
Completely renovated mobile in the heart of Timberlea. Many upgrades include all new flooring, new kitchen master has 2pc ensuite. Loads of storage PLUS RV PARKING!!!!!
Call today to view
Monday, August 8, 2011
NEW LISTING!!
202-136A SANDPIPER RD!!
Beautiful 2 bedroom 2 bath condo executive living.
1 heated underground parking with Storage!!
Priced @ 435,000. located on the 2nd floor this condo has been freshly painted and recently renovated to include black marble flooring throughout master bedroom & ensuite also in custom closet.
Gorgeous unit A Must SEE
Wednesday, July 13, 2011
Mortgage After Bankruptcy?
Courtesy of Shirley Evans
Curious about whether or not you will be able to obtain a mortgage after bankruptcy? You may be surprised to find that it isn’t that difficult provided that you do all of the following:
Get discharged
Once you have been discharged from bankruptcy for at least two years it will show that you are now free from the financial issues that you were facing.
Look at your credit report
Just because you have received your discharge papers it doesn’t necessarily mean that your credit is cleared up. Mistakes can be made that will result in a misleading credit score. Take a look to ensure that everything that was included in your bankruptcy has been removed. Request a free copy of your credit report from Equifax. If you find that some errors have been made they can be cleared up once you send them your discharge papers.
Accumulate new credit
Now that you essentially have a fresh start, it’s time to re-establish your credit. In order to prove yourself worthy of obtaining a mortgage you will need to acquire two to three new forms of credit. A secured credit card totaling $1,000 GIC or more will suffice. Credit carrying forward prior to bankruptcy however will not apply. Each situation can be different though so it’s important that you speak with your mortgage specialist about some of alternative options to gaining new reporting credit. After 12 months of re-established credit (two years discharged) and no missed payments you’re well on your way toward securing a mortgage.
It’s also important to note that while you are in the process of re-establishing your credit you actually need to use the credit in order for your score to increase. Just be sure to never let that balance exceed 50% of your limit.
Save for a down payment
Begin saving for your down payment as soon as possible. Five per cent of the home’s value would be the absolute minimum required.
Get pre-approved
Congratulations on working so hard to re-establish your credit! You are now ready to get pre-approved for a mortgage so that you can begin searching for your home!
After being discharged from your mortgage for two years and gaining at least a year of re-established credit you are now eligible for low interest rates. That’s right; you are now able to get the best mortgage rates possible provided that your mortgage is insured with the Canadian Mortgage and Housing Corporation (CMHC).
Curious about whether or not you will be able to obtain a mortgage after bankruptcy? You may be surprised to find that it isn’t that difficult provided that you do all of the following:
Get discharged
Once you have been discharged from bankruptcy for at least two years it will show that you are now free from the financial issues that you were facing.
Look at your credit report
Just because you have received your discharge papers it doesn’t necessarily mean that your credit is cleared up. Mistakes can be made that will result in a misleading credit score. Take a look to ensure that everything that was included in your bankruptcy has been removed. Request a free copy of your credit report from Equifax. If you find that some errors have been made they can be cleared up once you send them your discharge papers.
Accumulate new credit
Now that you essentially have a fresh start, it’s time to re-establish your credit. In order to prove yourself worthy of obtaining a mortgage you will need to acquire two to three new forms of credit. A secured credit card totaling $1,000 GIC or more will suffice. Credit carrying forward prior to bankruptcy however will not apply. Each situation can be different though so it’s important that you speak with your mortgage specialist about some of alternative options to gaining new reporting credit. After 12 months of re-established credit (two years discharged) and no missed payments you’re well on your way toward securing a mortgage.
It’s also important to note that while you are in the process of re-establishing your credit you actually need to use the credit in order for your score to increase. Just be sure to never let that balance exceed 50% of your limit.
Save for a down payment
Begin saving for your down payment as soon as possible. Five per cent of the home’s value would be the absolute minimum required.
Get pre-approved
Congratulations on working so hard to re-establish your credit! You are now ready to get pre-approved for a mortgage so that you can begin searching for your home!
After being discharged from your mortgage for two years and gaining at least a year of re-established credit you are now eligible for low interest rates. That’s right; you are now able to get the best mortgage rates possible provided that your mortgage is insured with the Canadian Mortgage and Housing Corporation (CMHC).
Tuesday, May 17, 2011
Buying a Home in Fort McMurray
Look to the Future when home buying
With today’s interest rates at near record lows, many people are recognizing that a mortgage payment on a house can actually be comparable to what they would spend on renting an apartment or home. Perhaps you’re one of them and are ready to take a step up the property ladder.
For most people, buying a home is the most significant financial investment they’ll ever make, and there’s a lot of planning that goes into a successful transition. With that in mind, here are a few tips to help buyers navigate the home buying process:
Consider future needs. Look ahead and anticipate what your family may look like just a few years from now. If you’re a single buyer, you may someday add a ‘significant other’ to your household. If you’re a young couple, you may be planning on children. Or you may already have children whose needs will change within just the next few years. As they get older, perhaps your children will need a bedroom of their own, or some private play space. Though additional space may not be needed immediately, it’s important to consider potential future plans for a home. Keep in mind that there is no such thing as the "perfect" house. Instead, determine what’s essential for the near future – number of bedrooms, approximate square footage, community, etc. But be cautious. Look to future needs but don’t overextend yourself buying space you may not ever need.
Remember resale. Purchasing a home is a great long-term investment. However, there are many reasons home buyers may need to move again, such as relocating for a job or a major lifestyle change. Think about the length of time that the home may be owned and during your search, also consider the potential resale value of prospective properties you are viewing. Your local Coldwell Banker professional can help by sharing such valuable information as the average price of resale homes in the area, how long each property has been on the market and what features increase – or detract – from a home’s value and appeal.
Plan for maintenance and repair costs. Owning a home is a rewarding experience. However, along with a set of house keys come certain responsibilities for upkeep. A leaky faucet and unkempt lawn won’t take care of themselves, so be sure to include future repairs and maintenance in your household budget. Keep in mind that certain properties such as condominiums and town homes require less exterior maintenance and might be a good option for those who find the idea of maintaining a yard a bit daunting.
Want to know more about the home buying and selling process? Contact ME for the inside scoop on your market.
With today’s interest rates at near record lows, many people are recognizing that a mortgage payment on a house can actually be comparable to what they would spend on renting an apartment or home. Perhaps you’re one of them and are ready to take a step up the property ladder.
For most people, buying a home is the most significant financial investment they’ll ever make, and there’s a lot of planning that goes into a successful transition. With that in mind, here are a few tips to help buyers navigate the home buying process:
Consider future needs. Look ahead and anticipate what your family may look like just a few years from now. If you’re a single buyer, you may someday add a ‘significant other’ to your household. If you’re a young couple, you may be planning on children. Or you may already have children whose needs will change within just the next few years. As they get older, perhaps your children will need a bedroom of their own, or some private play space. Though additional space may not be needed immediately, it’s important to consider potential future plans for a home. Keep in mind that there is no such thing as the "perfect" house. Instead, determine what’s essential for the near future – number of bedrooms, approximate square footage, community, etc. But be cautious. Look to future needs but don’t overextend yourself buying space you may not ever need.
Remember resale. Purchasing a home is a great long-term investment. However, there are many reasons home buyers may need to move again, such as relocating for a job or a major lifestyle change. Think about the length of time that the home may be owned and during your search, also consider the potential resale value of prospective properties you are viewing. Your local Coldwell Banker professional can help by sharing such valuable information as the average price of resale homes in the area, how long each property has been on the market and what features increase – or detract – from a home’s value and appeal.
Plan for maintenance and repair costs. Owning a home is a rewarding experience. However, along with a set of house keys come certain responsibilities for upkeep. A leaky faucet and unkempt lawn won’t take care of themselves, so be sure to include future repairs and maintenance in your household budget. Keep in mind that certain properties such as condominiums and town homes require less exterior maintenance and might be a good option for those who find the idea of maintaining a yard a bit daunting.
Want to know more about the home buying and selling process? Contact ME for the inside scoop on your market.
Wednesday, April 27, 2011
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