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Buying a House
What Do You Want? Begin by listing your needs: - Living requirements (i.e. how many bedrooms); - Family size; - What you’re bringing with you from your old house;
Renting VS Buying, Which is better?
Everyone needs a room to live. In most people’s case they end up having to pay either Rent for this roof or a Mortgage payment, unless of course you have a rich family that can offer you FREE or
Why do you want to move?
To make the best remodel or move decision, it is important to understand all the reasons that you have to remodel and all the reasons that you have to move. This article reviews common reasons to move
Why do I need home inspection?
A home inspection prior to purchasing a home or condominium can bring peace of mind when you sign the sales contract. Knowing what to expect both inside and out will help you make an informed decision
The cost of home buyer
1. Purchasing a home involves one-time costs and monthly expenses. 2. The largest one-time cost is the down payment. It usuall
Glossary of terms
These are some of the words or terms used in a real estate transaction in Canada. Amortization period: The actual number of years it will take to pay back your mortgage loan. Appraised value: An esti
Tips for choosing a Real Estate Agent
Many of the same questions, hesitations and strategies connected with seeking out professional assistance in any field — whether you’re looking for a doctor, lawyer or accountant — come into play when
Selecting and working with a Real Estate Agent
Buying or selling a home in today’s market requires a lot of work and a lot of knowledge about sales and real estate. It’s one of the largest purchases or biggest business transactions many of us
Save your money everyday
The weather has been a little unseasonable lately, but fortunately it won’t last forever. Here is a list of inexpensive things that you can do to save money and be more energy efficient at home, And a
The elements of an offer.
1. PriceDepending on the local market conditions, your opinion of value and market information provided by your Real Estate Professional, the price you offer may be different from the seller’s asking
Helpful Moving Tips
Book the movers. You can choose to have the movers pack everything, or just the breakables, or you can pack yourself. It’s a good idea to obtain estimates from several different companies. Give nece
Understanding market conditions
The real estate market is always changing, and it helps to understand how market conditions can affect your position as a buyer. Your agent can provide you with info on current conditions and explain
What is a mortgage?
A mortgage is a loan that uses a property as security to ensure that the debt is repaid. The borrower is referred to as the mortgagor, the lender as the mortgagee. The actual loan amount is referred t
Additional interest: The amount sometimes charged by the bank when you prepay principal or renegotiate the terms of your mortgage. The amount compensates the bank for loss of revenue. Amortization: W
Types of Mortgages
While a mortgage is fundamentally a loan that is secured against your home, there are many variations to the type of mortgage that can be used for various needs. Based on your goals and risk character
Choosing a Mortgage Term
Before you look at the issue of term specifically, there are things you should consider: When you’re looking at term and interest rates, look also at what you can live with in terms of payment amount
mortgage application steps
The loan and mortgage process is a stressful and sometimes frustrating process. The idea is to make the entire process go as smoothly as possible. What is most important? Be prepared before you sit do
Mortgage application tips
· If the payments are about the same, you will be further ahead financially by making payments on a mortgaged home rather than paying rent on a h