To view and search all Emdonton and area MLS listed homes visit me at www.FindMyHouse.ca
Also to enter a free draw for a $5,000 travel certificate enter at www.FindMyHouse.ca
This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.)
• Our Best Rates
• Explore Mortgage Scenarios with Helpful Calculators on dominionlending.ca
Terms Posted Rates Our Rates
1 YEAR / 5.00% / 3.50%
2 YEARS / 5.75% / 3.89%
3 YEARS / 5.75% / 3.99%
4 YEARS / 5.69% / 4.25%
5 YEARS / 5.79% / 4.19%
7 YEARS / 7.00% / 5.90%
10 YEARS / 7.35% / 6.05%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%.
Variable rate mortgages from as low as Prime + .80%
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details.
*O.A.C., E.& O.E.
About Dominion Lending Centres
* We are Canada's premier online mortgage lender, and one of the fastest growing mortgage companies nationwide!
* Our Brokers are Experts in their field and many are ranked amongst the best nationally.
* We close loans in all 10 provinces and 3 territories.
* We can process your mortgage in as few as 7 days.
* We have more than 100 mortgage programs making it easy to choose the best fit for your situation.
* We are the preferred mortgage lender for several of Canada's top companies.
* Dominion Lending Centres' Mortgage Experts are available anytime, anywhere, evenings and weekends — we'll even come to you!
To get pre-approved contact me today <mailto:nmaharaj@dlconline.ca>
Wednesday, February 25, 2009
Tuesday, February 24, 2009
Housing will continue to moderate in 2009
To view and search all Edmonton and area MLS listed homes visit me at www.FindMyHouse.ca
Also for your chance to enter a free draw for a $5,000 travel certificate visit www.FindMyHouse.ca
National housing starts reached 211,056 units in 2008, a decrease from 228,343 in 2007, according to CMHC’s first quarter Housing Market Outlook, Canada Edition report. Starts are expected to be about 160,250 for 2009 and about 163,350 for 2010. “The new home market is moderating due to a number of key factors,” said Bob Dugan, Chief Economist for CMHC. “The economic downturn will result in a decrease in demand for home ownership leading to a decline in housing starts and existing home sales in 2009. Housing market activity will begin to strengthen as the Canadian economy rebounds in 2010 and the level of housing starts over the forecast period will be more in line with demographic fundamentals.”
Existing home sales, as measured by the MLS®, are expected to decline 14.6% during 2009 to 370,500 units. In 2010 the level of MLS® sales is expected to increase by 9.3% to 405,000 units. The average MLS® price is also expected to decrease over the course of 2009. Average prices nationally are forecast to be $287,900 for 2009, a decline of 5.2%, while 2010 will see little change from 2009 average prices.
As Canada’s national housing agency, CMHC draws on more than 60 years of experience to help Canadians access a variety of quality, environmentally sustainable, and affordable homes — homes that will continue to create vibrant and healthy communities and cities across the country.
Source: Realtors Assc. of Edmonton
Also for your chance to enter a free draw for a $5,000 travel certificate visit www.FindMyHouse.ca
National housing starts reached 211,056 units in 2008, a decrease from 228,343 in 2007, according to CMHC’s first quarter Housing Market Outlook, Canada Edition report. Starts are expected to be about 160,250 for 2009 and about 163,350 for 2010. “The new home market is moderating due to a number of key factors,” said Bob Dugan, Chief Economist for CMHC. “The economic downturn will result in a decrease in demand for home ownership leading to a decline in housing starts and existing home sales in 2009. Housing market activity will begin to strengthen as the Canadian economy rebounds in 2010 and the level of housing starts over the forecast period will be more in line with demographic fundamentals.”
Existing home sales, as measured by the MLS®, are expected to decline 14.6% during 2009 to 370,500 units. In 2010 the level of MLS® sales is expected to increase by 9.3% to 405,000 units. The average MLS® price is also expected to decrease over the course of 2009. Average prices nationally are forecast to be $287,900 for 2009, a decline of 5.2%, while 2010 will see little change from 2009 average prices.
As Canada’s national housing agency, CMHC draws on more than 60 years of experience to help Canadians access a variety of quality, environmentally sustainable, and affordable homes — homes that will continue to create vibrant and healthy communities and cities across the country.
Source: Realtors Assc. of Edmonton
Thursday, February 19, 2009
Just Listed - Only $305,900
To view and search all Edmonton and area MLS listed homes visit us at http://www.findmyhouse.ca/
Also for your chance to enter a free draw for a $5,000 travel certificate visit me at http://www.findmyhouse.ca/
Exceptional 4 bedroom bungalow with a fully finished basement, with family room that has a dry bar and fireplace. Also there is a sauna in the basement. There is a heated double detached garage in the back. Main floor living room and dining room features hardwood floors, new carpets. Also recently the roof was redone and a new hot water tank installed. Located conveniently close to bus route, walking distance to shopping, and schools. The south facing back yard will allow you to enjoy that afternoon and evening sun, and has a large garden plot. All the walks are made up of poured concrete and there is a deck in the back yard. Call me today @ 780-995-6520 if you have any questions or view online @ www.FindMyHouse.ca
Another Open House Sunday Feb 22, 2009 1 - 4 pm
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
To enter a free draw for a $5,000 travel draw visit me at http://www.findmyhouse.ca/
Open Sunday Feb. 22, 2009 1-4pm
3627 - 30 St.
List Price: $359,900
Unbelievable executive bungalow that backs onto park and shows like a dream! This lovely home offers vaulted ceilings, gas fireplace with oak surround, upgraded oak trim throughout, large windows with mutton bars, 2+1 bedrooms, 2.5 baths, 2 dens, huge master ensuite with soaker tub, spacious oak kitchen with pantry and eating bar, built-in vac, front veranda and back deck, beautifully landscaped yard, and double attached garage! This home needs nothing done-just move in and enjoy
Tuesday, February 17, 2009
Edmonton Open House - Feb 22, 2009
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
To enter a free draw for a $5,000 travel draw visit me at http://www.findmyhouse.ca/
To enter a free draw for a $5,000 travel draw visit me at http://www.findmyhouse.ca/
Open House Sunday Feb. 22, 2009 1 - 4 pm
433 Klarvatten Lake Wynd
Very nice 4 bedroom bi-level home with a fully finished basement, in-law suite, ceramic and hardwood floors, large pie shaped lot a must see RV parking. Asking $359,900
Friday, February 13, 2009
Real Estate Outlook: Encouraging Signs
To view and and search all MLS homes in the Edmonton area visit me at www.FindMyHouse.ca
Also visit www.FindMyHouse.ca for a chance to enter to win a $5,000 travel certificate.
Could the tide be turning for real estate?
It's probably premature to make that call, but you can't ignore the encouraging signs - especially when they come in multiples.
First, we saw a surprising 6.5 percent jump in home sales for December. Now we've just gotten the latest Pending Home Sales Index, and it's up 6.3 percent, thanks to double digit gains of 13 percent in the Midwest and the South.
The index is based on signed contracts for home sales that haven't gone to closing, but that are scheduled to settle in the coming two or three months.
The National Association of Realtors collects the data from Multiple Listing Services around the country, and most economists accept the index as a reliable gauge of where we're headed in housing activity.
Lawrence Yun, chief economist for the National Association of Realtors, attributed the upward movement to "buyers responding to lower home prices and interest rates" that have improved the affordability equation to its most favorable level in 39 years.
Sales in the coming months might also be powered by something no index can measure: Congress is likely to improve last year's $7,500 home buyer tax credit by turning it into a non-repayable incentive for new sales this year - all as part of the stimulus package on Capitol Hill.
Though it's impossible to predict how many more home sales a true credit might stimulate - one that doesn't have to be paid back to the government like the 2008 version - industry estimates range anywhere from several hundred thousand upward, provided the expiration date runs through this coming December.
On other economic fronts last week, reports of tens of thousands of industry layoffs definitely won't help housing, but new numbers on inventories of unsold homes just might be a plus. Total homes for sale on the market nationwide dropped nearly 18 percent last month to the lowest level since May of 2007.
Mortgage rates inched up slightly last week, according to the Mortgage Bankers Association, with thirty year fixed rate loans averaging 5.3 percent compared to 5.2 percent the week before. That's up a notch, but it's still close to 40-year historic lows.
As we've said before on this program: Keep your eyes open for the little statistical improvements in the market that often get ignored by the media: Once they start mounting up, month after month, you'll know we're in turnaround mode.
We're not there yet, but we're headed in a promising direction.
Source: Kenneth R. Harney, Realty Times
Also visit www.FindMyHouse.ca for a chance to enter to win a $5,000 travel certificate.
Could the tide be turning for real estate?
It's probably premature to make that call, but you can't ignore the encouraging signs - especially when they come in multiples.
First, we saw a surprising 6.5 percent jump in home sales for December. Now we've just gotten the latest Pending Home Sales Index, and it's up 6.3 percent, thanks to double digit gains of 13 percent in the Midwest and the South.
The index is based on signed contracts for home sales that haven't gone to closing, but that are scheduled to settle in the coming two or three months.
The National Association of Realtors collects the data from Multiple Listing Services around the country, and most economists accept the index as a reliable gauge of where we're headed in housing activity.
Lawrence Yun, chief economist for the National Association of Realtors, attributed the upward movement to "buyers responding to lower home prices and interest rates" that have improved the affordability equation to its most favorable level in 39 years.
Sales in the coming months might also be powered by something no index can measure: Congress is likely to improve last year's $7,500 home buyer tax credit by turning it into a non-repayable incentive for new sales this year - all as part of the stimulus package on Capitol Hill.
Though it's impossible to predict how many more home sales a true credit might stimulate - one that doesn't have to be paid back to the government like the 2008 version - industry estimates range anywhere from several hundred thousand upward, provided the expiration date runs through this coming December.
On other economic fronts last week, reports of tens of thousands of industry layoffs definitely won't help housing, but new numbers on inventories of unsold homes just might be a plus. Total homes for sale on the market nationwide dropped nearly 18 percent last month to the lowest level since May of 2007.
Mortgage rates inched up slightly last week, according to the Mortgage Bankers Association, with thirty year fixed rate loans averaging 5.3 percent compared to 5.2 percent the week before. That's up a notch, but it's still close to 40-year historic lows.
As we've said before on this program: Keep your eyes open for the little statistical improvements in the market that often get ignored by the media: Once they start mounting up, month after month, you'll know we're in turnaround mode.
We're not there yet, but we're headed in a promising direction.
Source: Kenneth R. Harney, Realty Times
Are the Edmonton Real Estate Market Improving?
To view and search all Edmonton and area MLS listed homes visit me at www.FindMyHouse.ca
Also visit www.FindMyHouse.ca to enter the free draw for a $5,000 travel certificate.
As of today Feb. 13, 2009 there are 2,514 single family homes listed in Edmonton proper. That is not much different than we have been for the last couple of months.
However what has changed is an increase in sales in the last 30 with 476 sales. That gives up a listing/sales ratio of 5.28:1 which is the lowest ratio since the market started it's nose dive in valuations back in mid-2007.
And that is getting very close to the 4:1 that we require for the market to stabilize. Considering that last month we were at over 10:1 this is great news and could be indicating that we are close to the market hitting the bottom.
So if you have been thinking of waiting to buy that next home you might want to start looking now.
Also visit www.FindMyHouse.ca to enter the free draw for a $5,000 travel certificate.
As of today Feb. 13, 2009 there are 2,514 single family homes listed in Edmonton proper. That is not much different than we have been for the last couple of months.
However what has changed is an increase in sales in the last 30 with 476 sales. That gives up a listing/sales ratio of 5.28:1 which is the lowest ratio since the market started it's nose dive in valuations back in mid-2007.
And that is getting very close to the 4:1 that we require for the market to stabilize. Considering that last month we were at over 10:1 this is great news and could be indicating that we are close to the market hitting the bottom.
So if you have been thinking of waiting to buy that next home you might want to start looking now.
Thursday, February 12, 2009
City expands opportunities for Secondary Suites
To view and search all Edmonton and area MLS listed homes for free visit us at: www.FindMyHouse.ca
Also visit www.FindMyHouse.ca to enter a free draw for a $5,000 travel certificate.
The City of Edmonton has taken another big step towards making more affordable housing available by allowing more secondary suites in mature neighbourhoods.
“The City is taking action on this issue, giving more homeowners the option of building a suite in their basement or elsewhere on their property,” says Peter Ohm, Manager, Land Use Policy Planning Branch. “We are also protecting renters by ensuring secondary suites are up to proper building and fire codes.”
New suites will provide much-needed affordable rental housing and can help first time buyers or empty nesters pay their mortgages. Garden suites will also now be allowed at the discretion of the City’s development authority, but only in specific locations, and with conditions that ensure new rental units do not conflict with the integrity of neighbourhoods. The City also wants homeowners with illegal suites to upgrade their suites to meet building and fire codes now that zoning regulations allow substantially more secondary suites to exist legally.
Homeowners can get help building secondary suites through the Secondary Suites Grant Program. The program also provides funding to homeowners who have existing, illegal secondary suites to renovate the suites to meet fire and building codes, provided their properties are able to meet zoning regulations. In exchange for funding, homeowners agree to rent the suite to modest income tenants at 85% of the median market rent for five years.
These changes come after extensive public consultation and will increase the number of homes where secondary suites would be allowed by an estimated 270%. The City has also recently allowed garage suites in more locations.
As part of the bylaw, City Council requested city administration provide a progress report on the program to be presented to council in early 2010.
REALTORS® support these changes as they provide a low cost and expedient method of providing affordable housing throughout the City.
Also visit www.FindMyHouse.ca to enter a free draw for a $5,000 travel certificate.
The City of Edmonton has taken another big step towards making more affordable housing available by allowing more secondary suites in mature neighbourhoods.
“The City is taking action on this issue, giving more homeowners the option of building a suite in their basement or elsewhere on their property,” says Peter Ohm, Manager, Land Use Policy Planning Branch. “We are also protecting renters by ensuring secondary suites are up to proper building and fire codes.”
New suites will provide much-needed affordable rental housing and can help first time buyers or empty nesters pay their mortgages. Garden suites will also now be allowed at the discretion of the City’s development authority, but only in specific locations, and with conditions that ensure new rental units do not conflict with the integrity of neighbourhoods. The City also wants homeowners with illegal suites to upgrade their suites to meet building and fire codes now that zoning regulations allow substantially more secondary suites to exist legally.
Homeowners can get help building secondary suites through the Secondary Suites Grant Program. The program also provides funding to homeowners who have existing, illegal secondary suites to renovate the suites to meet fire and building codes, provided their properties are able to meet zoning regulations. In exchange for funding, homeowners agree to rent the suite to modest income tenants at 85% of the median market rent for five years.
These changes come after extensive public consultation and will increase the number of homes where secondary suites would be allowed by an estimated 270%. The City has also recently allowed garage suites in more locations.
As part of the bylaw, City Council requested city administration provide a progress report on the program to be presented to council in early 2010.
REALTORS® support these changes as they provide a low cost and expedient method of providing affordable housing throughout the City.
Wednesday, February 11, 2009
REALTORS® report that residential sales were positive in January
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Edmonton, February 3, 2009: Residential sales in January are always slow as buyers recover from their holiday excesses and stay bundled up from the cold. January sales were slow at the beginning of the month but picked up steam as the days grew longer. REALTORS® sold 730 residential properties in January compared to 608 in December (sales up 20%). Sales prices were also up in all categories as compared to the previous month.
“Nobody rings a bell when prices hit the bottom,” said Charlie Ponde, president of the REALTORS® Association of Edmonton. “The bottom is evident only after several months of rising prices. One month does not make a trend but the market is certainly welcoming to home buyers.” He pointed to the lowest interest rates in years, the large selection of homes available and recently announced economic stimulus packages as reasons for the increasing market activity. The amount of RRSP savings that can be applied to a first-time home purchase was increased from $20,000 to $25,000 and a tax rebate for home renovation expenses were announced in the recent federal budget. Both measures will encourage home buyers.
The average* price of a single family home in January was $352,689 - up a quarter of a percent as compared to December. Condo prices were up 1.8% to $238,535 and duplex/rowhouses sold on average for $299,222 (a 2.2% price increase). Total residential sales through the MLS® for the month were $231 million – down 43% from the previous January.
Listing activity also increased in January. There were 2,443 residential properties listed in January – an 85% increase over December listings. With 730 residential sales the sales-to-listing ratio was just 30%. At the end of January there were 6,573 properties available on the residential MLS®. At current sales rates this is a nine month supply. Time to sell was up from 65 days-on-market in December to 68 days in January.
“The housing market changes every day and consumers need to work with a REALTOR® who can advise on pricing, sales and negotiation strategies,” said Ponde. “REALTORS® are the only professionals with current sales prices (as compared to asking prices) and can do up-to-date comparisons for properties similar to the one you are attempting to buy or sell.”
Source: Realtors Association of Edmonton
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Edmonton, February 3, 2009: Residential sales in January are always slow as buyers recover from their holiday excesses and stay bundled up from the cold. January sales were slow at the beginning of the month but picked up steam as the days grew longer. REALTORS® sold 730 residential properties in January compared to 608 in December (sales up 20%). Sales prices were also up in all categories as compared to the previous month.
“Nobody rings a bell when prices hit the bottom,” said Charlie Ponde, president of the REALTORS® Association of Edmonton. “The bottom is evident only after several months of rising prices. One month does not make a trend but the market is certainly welcoming to home buyers.” He pointed to the lowest interest rates in years, the large selection of homes available and recently announced economic stimulus packages as reasons for the increasing market activity. The amount of RRSP savings that can be applied to a first-time home purchase was increased from $20,000 to $25,000 and a tax rebate for home renovation expenses were announced in the recent federal budget. Both measures will encourage home buyers.
The average* price of a single family home in January was $352,689 - up a quarter of a percent as compared to December. Condo prices were up 1.8% to $238,535 and duplex/rowhouses sold on average for $299,222 (a 2.2% price increase). Total residential sales through the MLS® for the month were $231 million – down 43% from the previous January.
Listing activity also increased in January. There were 2,443 residential properties listed in January – an 85% increase over December listings. With 730 residential sales the sales-to-listing ratio was just 30%. At the end of January there were 6,573 properties available on the residential MLS®. At current sales rates this is a nine month supply. Time to sell was up from 65 days-on-market in December to 68 days in January.
“The housing market changes every day and consumers need to work with a REALTOR® who can advise on pricing, sales and negotiation strategies,” said Ponde. “REALTORS® are the only professionals with current sales prices (as compared to asking prices) and can do up-to-date comparisons for properties similar to the one you are attempting to buy or sell.”
Source: Realtors Association of Edmonton
Basement Suite - Edmonton
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Beautiful bi-level. Featuring spacious open floor plan with vaulted ceilings and large eating kitchen counter with eating bar, double patio door to large deck. Spacious 17.5' x 14' master bedroom with ensuite and walk in closet. Main floor also features hardwood floors and ceramic tiles. Newer paint through-out basement: features: lovely 2-bedroom in-law suite with large family room. Large back yard with fire-pit cemented pad. 2-car garage with side R.V. pad.
For more information call me today 780-995-6520 or view at http://www.findmyhouse.ca/
Serge Bourgoin
Re/Max Real Estate
780-488-4000
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Beautiful bi-level. Featuring spacious open floor plan with vaulted ceilings and large eating kitchen counter with eating bar, double patio door to large deck. Spacious 17.5' x 14' master bedroom with ensuite and walk in closet. Main floor also features hardwood floors and ceramic tiles. Newer paint through-out basement: features: lovely 2-bedroom in-law suite with large family room. Large back yard with fire-pit cemented pad. 2-car garage with side R.V. pad.
For more information call me today 780-995-6520 or view at http://www.findmyhouse.ca/
Serge Bourgoin
Re/Max Real Estate
780-488-4000
Tuesday, February 10, 2009
Edmonton Mortgage Rates - Feb 10, 2009
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Weekly Rate Minder is provided by Dominion Lending Centres Optimum (780) 452-9101 or you can visit them at www.dlconline.com
This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.)
• Our Best Rates
• Explore Mortgage Scenarios with Helpful Calculators on dominionlending.ca
Terms / Posted Rates / Our Rates
1 YEAR / 5.00% / 3.50%
2 YEARS / 5.75% / 3.99%
3 YEARS / 5.75% / 3.75%
4 YEARS / 5.69% / 4.09%
5 YEARS / 5.79% / 4.34%
7 YEARS / 7.00% / 5.90%
10 YEARS / 7.35% / 6.05%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%.
Variable rate mortgages from as low as Prime + .80%
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details.
*O.A.C., E.& O.E.
About Dominion Lending Centres
* We are Canada's premier online mortgage lender, and one of the fastest growing mortgage companies nationwide!
* Our Brokers are Experts in their field and many are ranked amongst the best nationally.
* We close loans in all 10 provinces and 3 territories.
* We can process your mortgage in as few as 7 days.
* We have more than 100 mortgage programs making it easy to choose the best fit for your situation.
* We are the preferred mortgage lender for several of Canada's top companies.* Dominion Lending Centres' Mortgage Experts are available anytime, anywhere, evenings and weekends — we'll even come to you
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Weekly Rate Minder is provided by Dominion Lending Centres Optimum (780) 452-9101 or you can visit them at www.dlconline.com
This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.)
• Our Best Rates
• Explore Mortgage Scenarios with Helpful Calculators on dominionlending.ca
Terms / Posted Rates / Our Rates
1 YEAR / 5.00% / 3.50%
2 YEARS / 5.75% / 3.99%
3 YEARS / 5.75% / 3.75%
4 YEARS / 5.69% / 4.09%
5 YEARS / 5.79% / 4.34%
7 YEARS / 7.00% / 5.90%
10 YEARS / 7.35% / 6.05%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%.
Variable rate mortgages from as low as Prime + .80%
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details.
*O.A.C., E.& O.E.
About Dominion Lending Centres
* We are Canada's premier online mortgage lender, and one of the fastest growing mortgage companies nationwide!
* Our Brokers are Experts in their field and many are ranked amongst the best nationally.
* We close loans in all 10 provinces and 3 territories.
* We can process your mortgage in as few as 7 days.
* We have more than 100 mortgage programs making it easy to choose the best fit for your situation.
* We are the preferred mortgage lender for several of Canada's top companies.* Dominion Lending Centres' Mortgage Experts are available anytime, anywhere, evenings and weekends — we'll even come to you
Saturday, February 7, 2009
Free First Time Buyer Seminar
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
The next first time buyer seminar dates are:
Wednesday Feb. 18th from 7-9pm
Saturday Feb. 21 10am-noon
There will be 4 instructors: A lawyer, a mortgage broker, a home inspector, and a real estate agent.
To register just click on the following link to register:
http://www.findmyhouse.ca/view_custom.php?cpc_id=5735
Serge Bourgoin
Re/Max Real Estate
Edmonton, AB
780-488-4000
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
The next first time buyer seminar dates are:
Wednesday Feb. 18th from 7-9pm
Saturday Feb. 21 10am-noon
There will be 4 instructors: A lawyer, a mortgage broker, a home inspector, and a real estate agent.
To register just click on the following link to register:
http://www.findmyhouse.ca/view_custom.php?cpc_id=5735
Serge Bourgoin
Re/Max Real Estate
Edmonton, AB
780-488-4000
Thursday, February 5, 2009
Best Deal In Edmonton
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
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Make sure to see this recently renovated, fully developed 4 level split boasting over 1,700 sq.ft. on three levels, with double detached garage in the quiet neighborhood. Located across from a large school park, skating rink and is a 5 min walk to the splendor of mill creek ravine. Complete with a brand new maple kitchen, new appliances, and new high end sink and taps. Also a large window looks out onto the beautifully landscaped and very private back yard, complete with a new deck perfect for entertaining. New top of the line ultra-durable laminate flooring runs throughout the home. The three top floor bedrooms all have brand new neutral carpet, and the master features a walk in closet with custom organizer. Both bathrooms have just been upgraded with new flooring, vanities, countertops, tile, and plumbing fixtures. All lighting in the home is modern as well as the electrical plugs and switches have all been upgraded. The large bow window on the main floor provides plenty of natural light.
To view more information and pictures of this home visit http://www.findmyhouse.ca/view_listing/Kiniski_Gardens/mls/E3173230
Or call me today
Serge Bourgoin
Re/Max Real Estate
780-995-6520
Wednesday, February 4, 2009
Current Mortgage Interest Rates in Edmonton
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.)
• Our Best Rates
• Explore Mortgage Scenarios with Helpful Calculators on dominionlending.ca
Terms/ Posted Rates / Our Rates
1 YEAR / 5.00% / 3.50%
2 YEARS / 5.75% / 4.29%
3 YEARS / 5.75% / 3.75%
4 YEARS / 5.69% / 4.29%
5 YEARS / 5.79% / 4.39%
7 YEARS / 7.00% / 5.90%
10 YEARS / 7.35% / 6.05%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%.
Variable rate mortgages from as low as Prime + .80%
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details.
Source: Dominion Lending Centre Optimum
www.dlconline.ca
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.)
• Our Best Rates
• Explore Mortgage Scenarios with Helpful Calculators on dominionlending.ca
Terms/ Posted Rates / Our Rates
1 YEAR / 5.00% / 3.50%
2 YEARS / 5.75% / 4.29%
3 YEARS / 5.75% / 3.75%
4 YEARS / 5.69% / 4.29%
5 YEARS / 5.79% / 4.39%
7 YEARS / 7.00% / 5.90%
10 YEARS / 7.35% / 6.05%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 3.00%.
Variable rate mortgages from as low as Prime + .80%
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details.
Source: Dominion Lending Centre Optimum
www.dlconline.ca
Tuesday, February 3, 2009
Prepare your house for selling
To view and search all Edmonton and area MLS listed homes visit me at http://www.findmyhouse.ca/
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Attract the highest offer for your home with these tips.
If you have a move in your future you are probably wondering how to attract the highest offer for your home. Here are eight tips to get your house ready to go on the market.
Say goodbye to your home now
Many of the things we all care for in our homes are the personal touches – the wallpaper we chose with care when we first decorated, or the cabinet handles we found at a garage sale. But the thing about a personal style is that it is personal, and may not appeal to everyone. It's important to take the time to let go of the house as your home and look at it instead as a product to be sold. Concentrate on your plan for a new home, or picture yourself enjoying the money that you'll make from the sale. And then prepare yourself to make the home appeal to the broadest possiblemarket. That may mean the wallpaper has to go.
Choose your experts
Word of mouth is a good way to find an agent – ask friends and neighbours who they would recommend in your area. Feel free to ask agents about their track record in your particular neighbourhood – sometimes a great agent in a slightly different market can end up as only a so-so one in yours. Once you've selected an agent, however, take their advice. It's not worth paying for their expertise if you're not willing to hear that you need to move the trailer around the back, or repair a cracked windowpane.
You may also want to choose a "design consultant" that's in your target market. For example, if you are selling a family home that you think will appeal to people with young children, ask people you know in that stage of life to take a brief tour of your home and tell you what appeals to them and what puts them off. If they hate the décor in the bathroom, listen to them.
Get out the handyman gear
Small repair issues can really make or break a deal, particularly when it comes to getting the most money from a seller possible. Some areas you may want to look at are:
• Replace cracked tiles
• Patch holes in walls
• Repair floors or replace vinyl or linoleum flooring
• Fix leaky faucets
• Remove stains and water deposits
• Fix doors that don't close properly and kitchen drawers that jam.
• Consider painting your walls neutral colors
• Replace burned-out light bulbs
• Re-caulk tubs, showers and sinks.
Your stuff – and what to do with it
You will want to depersonalize your home. When people are looking at homes they are imagining space that will accommodate their family – and seeing yours can be distracting. Pack up personal photographs and family heirlooms.
You'll also need to declutter. It's amazing how many things we all collect over the years, especially when we have a comfortable, homey space in which to do so. Be absolutely brutal in determining which things you need and which you don't – you will be doing this when you move anyway, so it's one way to get a jump on the job. Donate or throw away things, or you can have a garage sale (just be sure you have a plan to deal with anything that doesn't sell, so it doesn't end up filling the actual garage!)
Once you've done that pass, then you'll probably still need to pack some things away. You may want to rent a storage unit, or ask family if you can use some space in their garage or basement. Put your family heirlooms and sports paraphernalia in that space. Pack up things like books and knickknacks to create more of a sense of space on shelves. Make sure all countertops are clear, even if that means packing up some of the good china in the cupboard so that you can store the toaster and the coffee pot in there for a change. Put essential items in a box or basket that can be stored in a closet.
Make the rooms bigger
It might be too late for that big renovation, but there is another way to make your rooms bigger: remove furniture and shelves. (If shelves are built in, besure to do this in time to patch and paint.) If you can possibly accommodate the storage issues, take at least one piece of furniture out of every room, and as much gardening and seasonal equipment out of the garage and basement as well. This will automatically add a sense of space to your home.
What lies beneath
Remember that buyers will be opening closet and cupboard doors, looking the furnace room, and peering into nooks and crannies. Be sure the contents of your closets and cupboards are clean and organized, with hangers in one direction, plates neatly stacked, and so on. The impression left when something falls out of a closet onto a buyer is not the one you want to leave.
Cleanliness is next to... profit
Buyers will be more attracted to space that gleams and sparkles. Consider hiring a cleaning service to come before every open house if your energy is starting to wane – it's worth the expense. Of course you will also have to keep things tidy and clean in case of individual showings. A partial cleaning list includes:
• Wash windows on both sides – it's amazing what a difference this makes both to cleanliness and to light within the home
• Spray down sidewalks and the outside of your home with a pressure washer
• Clean out cobwebs weekly
• Polish chrome faucets and mirrors and make the sink shine – one tip for a gleaming sink is to rub it with a very small amount of baby oil after cleaning
• Clean out the refrigerator
• Vacuum daily
• Wax floors
• Dust furniture, ceiling fan blades, and light fixtures
• Bleach dingy grout
• Replace old rugs; steam clean carpets
• Hang up fresh towels
• If you have pets, be sure to clean out cages or litter boxes daily
Do not use air fresheners or sprays – they almost scream "an odour is being hidden here." Instead air out the home and eliminate the source of any odours. But yes, on the day of the open house it is a good idea to bake bread, or heat up some cinnamon sticks and cloves in a pot of boiling water and let simmer for an hour or so before the open house begins.
Don't forget curb appeal
Buyers will often do a "drive-by" before making an appointment to see your home. If they don't like what they see, you'll never get them inside. Clear clutter. Make sure the lawn is well maintained and that the sidewalks are clear. Trim your bushes and maintain garden areas. Paint faded or peeling trim. Consider adding some window boxes or potted plants to up the lush, green feeling. Replace old mailboxes and other worn fixtures with new ones. Check outdoor light bulbs. And make sure your house numbers are clearly visible from the street.
With these improvements, your home will be ready to go – and then it's on to happy house
source: Jennifer Gruden, 50Plus.com
Also visit http://www.findmyhouse.ca/ to enter the free draw for a $5,000 travel gift certficate.
Attract the highest offer for your home with these tips.
If you have a move in your future you are probably wondering how to attract the highest offer for your home. Here are eight tips to get your house ready to go on the market.
Say goodbye to your home now
Many of the things we all care for in our homes are the personal touches – the wallpaper we chose with care when we first decorated, or the cabinet handles we found at a garage sale. But the thing about a personal style is that it is personal, and may not appeal to everyone. It's important to take the time to let go of the house as your home and look at it instead as a product to be sold. Concentrate on your plan for a new home, or picture yourself enjoying the money that you'll make from the sale. And then prepare yourself to make the home appeal to the broadest possiblemarket. That may mean the wallpaper has to go.
Choose your experts
Word of mouth is a good way to find an agent – ask friends and neighbours who they would recommend in your area. Feel free to ask agents about their track record in your particular neighbourhood – sometimes a great agent in a slightly different market can end up as only a so-so one in yours. Once you've selected an agent, however, take their advice. It's not worth paying for their expertise if you're not willing to hear that you need to move the trailer around the back, or repair a cracked windowpane.
You may also want to choose a "design consultant" that's in your target market. For example, if you are selling a family home that you think will appeal to people with young children, ask people you know in that stage of life to take a brief tour of your home and tell you what appeals to them and what puts them off. If they hate the décor in the bathroom, listen to them.
Get out the handyman gear
Small repair issues can really make or break a deal, particularly when it comes to getting the most money from a seller possible. Some areas you may want to look at are:
• Replace cracked tiles
• Patch holes in walls
• Repair floors or replace vinyl or linoleum flooring
• Fix leaky faucets
• Remove stains and water deposits
• Fix doors that don't close properly and kitchen drawers that jam.
• Consider painting your walls neutral colors
• Replace burned-out light bulbs
• Re-caulk tubs, showers and sinks.
Your stuff – and what to do with it
You will want to depersonalize your home. When people are looking at homes they are imagining space that will accommodate their family – and seeing yours can be distracting. Pack up personal photographs and family heirlooms.
You'll also need to declutter. It's amazing how many things we all collect over the years, especially when we have a comfortable, homey space in which to do so. Be absolutely brutal in determining which things you need and which you don't – you will be doing this when you move anyway, so it's one way to get a jump on the job. Donate or throw away things, or you can have a garage sale (just be sure you have a plan to deal with anything that doesn't sell, so it doesn't end up filling the actual garage!)
Once you've done that pass, then you'll probably still need to pack some things away. You may want to rent a storage unit, or ask family if you can use some space in their garage or basement. Put your family heirlooms and sports paraphernalia in that space. Pack up things like books and knickknacks to create more of a sense of space on shelves. Make sure all countertops are clear, even if that means packing up some of the good china in the cupboard so that you can store the toaster and the coffee pot in there for a change. Put essential items in a box or basket that can be stored in a closet.
Make the rooms bigger
It might be too late for that big renovation, but there is another way to make your rooms bigger: remove furniture and shelves. (If shelves are built in, besure to do this in time to patch and paint.) If you can possibly accommodate the storage issues, take at least one piece of furniture out of every room, and as much gardening and seasonal equipment out of the garage and basement as well. This will automatically add a sense of space to your home.
What lies beneath
Remember that buyers will be opening closet and cupboard doors, looking the furnace room, and peering into nooks and crannies. Be sure the contents of your closets and cupboards are clean and organized, with hangers in one direction, plates neatly stacked, and so on. The impression left when something falls out of a closet onto a buyer is not the one you want to leave.
Cleanliness is next to... profit
Buyers will be more attracted to space that gleams and sparkles. Consider hiring a cleaning service to come before every open house if your energy is starting to wane – it's worth the expense. Of course you will also have to keep things tidy and clean in case of individual showings. A partial cleaning list includes:
• Wash windows on both sides – it's amazing what a difference this makes both to cleanliness and to light within the home
• Spray down sidewalks and the outside of your home with a pressure washer
• Clean out cobwebs weekly
• Polish chrome faucets and mirrors and make the sink shine – one tip for a gleaming sink is to rub it with a very small amount of baby oil after cleaning
• Clean out the refrigerator
• Vacuum daily
• Wax floors
• Dust furniture, ceiling fan blades, and light fixtures
• Bleach dingy grout
• Replace old rugs; steam clean carpets
• Hang up fresh towels
• If you have pets, be sure to clean out cages or litter boxes daily
Do not use air fresheners or sprays – they almost scream "an odour is being hidden here." Instead air out the home and eliminate the source of any odours. But yes, on the day of the open house it is a good idea to bake bread, or heat up some cinnamon sticks and cloves in a pot of boiling water and let simmer for an hour or so before the open house begins.
Don't forget curb appeal
Buyers will often do a "drive-by" before making an appointment to see your home. If they don't like what they see, you'll never get them inside. Clear clutter. Make sure the lawn is well maintained and that the sidewalks are clear. Trim your bushes and maintain garden areas. Paint faded or peeling trim. Consider adding some window boxes or potted plants to up the lush, green feeling. Replace old mailboxes and other worn fixtures with new ones. Check outdoor light bulbs. And make sure your house numbers are clearly visible from the street.
With these improvements, your home will be ready to go – and then it's on to happy house
source: Jennifer Gruden, 50Plus.com
Sunday, February 1, 2009
Incredible Bungalow
To search and view all Edmonton and area MLS listed homes for free visit me at: http://www.findmyhouse.ca/
Unbelievable executive bungalow that backs onto park and shows like a dream! This lovely home offers vaulted ceilings, gas fireplace with oak surround, upgraded oak trim throughout, large windows with mutton bars, 2+1 bedrooms, 2.5 baths, 2 dens, huge master ensuite with soaker tub, spacious oak kitchen with pantry and eating bar, built-in vac, front veranda and back deck, beautifully landscaped yard, and double attached garage! This home needs nothing done, just move in and enjoy. Asking only $379,900 For more information call Serge today 780-995-6520Serge Bourgoin
Re/Max Real Estate
780-488-4000
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