If you’re in the market to put your home on the market, you are probably looking into whether to hire a real estate agent or not. The main differences between these two options go back to what you’ll save. While you might think you can keep a lot of your hard-invested cash by selling your home alone, this is not necessarily the case. In the long run, it’ll be more beneficial to utilize a realtor versus going the FSBO (for sale by owner – pronounced fizz-bo) route. You’re the only one that can ultimately make this decision but be sure to take a moment to read some highlights on potential outcomes.

 

Save Time

Would you rather spend your weekends off relaxing or hosting an open house? This is

just one of the things a licensed real…

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If you’re buying a home for the first time, it can be a little difficult trying to figure out where to start. Here’s a handy to-do list to help you out, and be sure to call me if you have any questions!

  1. Save: Save for a down payment, closing costs, and insurance, and taxes. It is always safe to have 20% of the amount of the home you are trying to buy. So, if you are looking at a $300,000 home, try to have $60,000 saved. The minimum down payment is 5%  

  2. Improve Credit Score: Make sure to stay current on your bills, make no major purchases, don’t cancel any credit cards. A higher credit score means a lower interest rate!

  3. Calculate What You Can Afford: Look for a mortgage calculator online, or give me a call and I…

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Rahana Sarif - MaxWell Elite

VernonSamaroo - MaxWell Challenge Realty

Brendan Rost - MaxWell Polaris

Mark Cocks - MaxWell Challenge Realty

Deena Caputo - MaxWell Excel Realty

Donia Panesar - MaxWell Polaris

Shi Chang - MaxWell Polaris

Gillian Sutherland - MaxWell Devonshire Realty

Glenda Sutherland - MaxWell Canyon Creek

Brad Lyons - MaxWell Devonshire Realty

Tracy Vipond - MaxWell Progressive Realty

Okezi Okpei-Ohioze - MaxWell Polaris

Tom Lackner - MaxWell Devonshire Realty (Lethbridge)

Jamal Al-Ghabari - MaxWell Central

 

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People use the equity in their homes for many different reasons. Home equity is often used to pay off other debt, fund home renovations and upgrade projects as well as help purchase other necessities. It’s important to know these few facts when obtaining a Home Equity Line of Credit or HELOC to ensure that this is something you can manage.

  1.        HELOCs do not have fixed rates. This means your monthly payments can fluctuate. The interest rate is determined by the prime rate plus the percentage rate that the bank has set.  Let’s say the interest rate at the bank is prime + 1.5%. If the prime rate is 2%, then take 2% and add 1.5%. This gives you a total interest rate of 3.5%.
  2.        You might be paying way more than expected if the interest…

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April 4th, 2020

-Rachel Fung

 

As a Realtor®, mother, wife and daughter, I take your family's safety very seriously.  Out of an abundance of caution my brokerage, MaxWell Polaris, has prepared the following list of suggestions and precautions that we/you can take while we shop for your new home given the evolving situation with COVID-19. 

When selecting homes to view in-person, I qualify the homes by:

  • Thoroughly touring the home online including all photos, videos, virtual tours, and floor plans 
  • Mapping the exact location of the home or even conducting a drive-by 
  • Only selecting homes you are truly considering purchasing 

 

I will also provide you with your own tour sheets so that you do not need to take any from the…

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I take you and your family's safety very seriously. Out of an abundance of caution my office, MaxWell Polaris, has prepared the following list of suggestions and precautions that we can take while we market your home for sale given the evolving situation with COVID-19. 

  1. When preparing for showings, open all doors within the home and leave lights on.

  2. Consider providing hand sanitizer at the entrance of your home. 

  3. We encourage you to not be home, this helps buyers feel more comfortable. 

  4. Come in and look around but kindly refrain from using bathrooms 

  5. Leave the lights on. Remember that I can take great photos and virtual tours are a fantastic way for a Buyer to tour your home from the comfort of theirs.

    …

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This post is time sensitive, with implications for your mortgage, cashflow, and credit for April - Sept 2020, all due to Covid-19.

 I am not a medical professional.  I know NOTHING about health.  There are hundreds of news stories out there about Covid-19.  Many more about government actions.  About social distancing.  This is NOT one of those posts.  It should also be noted, that as with everything Covid, the situation is fluid and changing.

 The federal government announced the Covid-19 Mortgage Payment Deferral Program.  Essentially freeing up extra cash flow for mortgage holders NOW, in the middle of the outbreak.  The best page directly from the government describing the program…

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Since the WHO declared COVID-19 as a pandemic 20 days ago, there were
- 1,158 new listings
- 722 sold listings
- 79 pending/conditional sale! (Plus, undisclosed conditional sold listings.)

The market is still moving!
Call Bob at 403-700-3232 now to discuss what you should be doing now!

 

 

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Ron Berlando - MaxWell Challenge Realty

Jennifer Wuzinski - MaxWell Excel Realty

Esther Quadri - MaxWell Elite Realty

Jen Hawkins – MaxWell Canyon Creek

Christian Hawkins - MaxWell Canyon Creek

 

 

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