September 20, 2013
Making a misstep in the process of shopping for and securing a home loan can be costly. Fortunately, many mortgage mistakes, such as those listed below, are easily avoided.
- Not checking your credit. Mistakes on credit reports are not uncommon. Left unaddressed, they can slow the mortgage application process or stop it altogether, potentially costing you that property you want. Financing based on incorrect information can result in a much higher interest rate, so be sure to fix any errors on your credit report well before home hunting or applying for a loan.
- Not shopping around for a lender. While many homeowners stick with their current lender when purchasing their next home, loan structures – rates, terms, fees – may have changed significantly since you last applied for a mortgage; comparison shopping can potentially save you thousands of dollars.
- Choosing a lender based solely on interest rate. Terms and fees (e.g. prepayment penalties) may seem insignificant by comparison, but they can have a much bigger impact on the overall cost of the loan; ignore them and you could end up with a loan structure that doesn't suit your needs, and costs you much more than you bargained for.
- Getting pre-qualified rather than pre-approved. Pre-qualification allows for an estimate of what your bank may lend you; pre-approval is a more formal process resulting in a firmer commitment from your lender. A buyer who's pre-approved is in a stronger position than one who is pre-qualified, and can act more quickly upon finding the right property.
September 19, 2013
I have sold a property at 39 6785 193 ST in SURREY
I have sold a property at 39 6785 193 ST in SURREY.
Designed for easy living, this Madrona Mayflower plan offers a cozy elegance and urban luxury lifestyle surrounded by shops, recreational activities and modern amenities. Features of this lovely 3 BR 3 bath home include mood adjustable fireplace, slab granite counters, custom cabinetry, elegant master ensuite with double sinks and oversize shower. Bonus flex room down offers "get away" space or family recreation area. Main floor family room offers direct access to balcony and fenced yard for Pooch. Location is everything, call soon or this good buy will soon be good bye.
September 11, 2013
Garage Sale – Maximize Your Garage’s Potential
Often neglected by homeowners, garages – which offer valuable storage and work space – are a priority for many buyers. Maximize your garage’s potential as a selling feature with these staging tips.
- Remove clutter. If you don’t need it now and won’t need it at your next address, sell it, donate it, or toss it. De-cluttering will make your garage look more spacious, and space – not your stuff – is what buyers want to see.
- Clean. Clear out the cobwebs, obliterate oil stains, and wash the windows. Sweep the floor and give it a washing with a mop, hose, or power washer.
- If you haven’t done so recently, give your garage walls, floor, and ceiling a fresh coat of paint. A light, neutral shade is a nice option over the typical “garage gray”.
- Anything staying in your garage until you move should be put back in a neat, organized fashion: hung on hooks or pegboard, sat on shelves, inside cabinets or totes. Ideally, there should be nothing on the floor.
- Make sure that lighting is functional and bright, switches and outlets are covered and working properly, and that garage doors open and close smoothly and quietly.
- If your garage doors are looking outdated or worse for wear, paint them or replace them altogether (perhaps with doors featuring decorative glass inserts). They’re one of the most dominating features of your house’s exterior, so giving them a makeover can really help improve your curb appeal.
- For showings and open houses, park your vehicle(s) in your driveway or on the street – a garage that’s empty looks a lot bigger than one that’s full.
September 11, 2013
New property listed in Brookswood Langley, Langley
I have listed a new property at 3885 205A ST in LANGLEY.
Bring everything, this Brookswood beauty boasts liberal sized rooms! Rarely available, homes like this 6+ BR, 4 bath home aren't available often...features include family size livingroom with fireplace, vault ceiling, cross hall dining roomwith french door access to covered deck, u shape kitchen with meal nook, window seat and windows on every wall, den or bedroom with built in cabinets and private mini balcony, Mbdrm is a private oasis with ensuite bath and walkin closet. Oversize living area down includes 3 bedrooms, dressing room and ensuite off Mbdrm, gas fireplace, separate entry. The grounds feature mature trees and landscaping, fenced yard, detached workshop; this very private setting just steps from Bell Park.
September 5, 2013
Continued improvement in Fraser Valley’s housing market
SURREY, BC – Buyers and sellers continued to show greater confidence in the market last month as home sales on the Fraser Valley Real Estate Board’s Multiple Listing Service® (MLS®) edged closer to typical levels.
The Board processed 1,258 sales in August, an increase of 17 per cent compared to the 1,073 sales in August of last year however, the volume remains 13 per cent below the 10-year average for the month.
Ron Todson, President of the Board, explains, “The best way to describe our market currently is one of continued, modest improvement as buyers and sellers become more confident."
“In the last month in the Fraser Valley, we’ve seen an increase in sellers willing to accept an offer subject to another sale, we’re seeing fewer deals collapse and we’re seeing more move-up buyers, either improving on the size or quality of their existing home. These are all indicators of a return to a more typical, stable market.”
In terms of inventory, the Board received 2,353 new listings in August, a decrease of 2 per cent compared to the 2,406 new listings received during the same month last year – leaving the volume of active properties at 10,127 a decrease of 2 per cent compared to August 2012.
Todson says, “An important measure of the balance between housing supply and demand is the number of months it would take to sell our existing inventory. We’re currently sitting at eight months’ supply in the Fraser Valley, indicating a balanced market, which is also being reflected in the stability of home prices.
“Home prices generally remain unchanged or down slightly from a year ago; however, do check with your local REALTOR® if you’re in need of specific values because the range between property type and community can be sizeable.”
In August, the benchmark price of single family detached homes in the Fraser Valley was $551,000, virtually on par with $551,400 during the same month last year. For townhouses, the benchmark price was $298,200, a decrease of 1.6 per cent compared to $303,000 in August 2012 and the benchmark price of apartments was $203,900, 1.3 per cent less than in August 2012 when it was $206,600.
September 4, 2013
LED Lighting 101 At Home
From, Bjorn Rygg, Pillar to Post
By now, many homeowners have probably replaced most of their incandescent light bulbs with compact fluorescent light (CFL) bulbs, and no doubt have noticed how long these newer, energy-efficient bulbs last. Now, light-emitting diode (LED) lighting is the latest trend on the scene. Once used primarily for industrial and commercial applications, LED lighting is gaining ground at home - and there are many good reasons for that.
LED bulbs work in a unique way. Instead of emitting light and heat in all directions, an LED lights move electrons through a semiconductor material, creating light that shines in a specific direction. In LED bulbs used to replace standard bulbs, multiple diodes are used to create bright light while generating very little heat. While quite expensive compared to the older bulbs they replace, high power LED bulbs are more than twice as efficient as CFLs and eight times as efficient as incandescent bulbs, and can last as long as 20 years.
LEDs are often associated with cold, white light - and that was a fair assessment until not long ago. Now LED bulbs are available in warmer tones that are easier on the eyes (and more flattering). Like incandescent and CFL bulbs, there are LEDs made to fit standard light fixtures, recessed lighting fixtures, candelabra bases, dimmable fixtures, and even some landscape lighting. LED floodlights and spotlights are becoming more popular, particularly because they need replacement so infrequently. Other advantages of LEDs are that they contain no mercury or other toxic materials, are very unlikely to break if dropped, and reach full brightness as soon as they are switched on.
Homeowners should look for Energy Star rated LED bulbs, which have been tested to meet EPA standards of color quality and consistency, energy efficiency, and stable performance. Inferior products may make a lot of promises but may not deliver. By replacing the bulbs in their most-used and hard-to-reach fixtures, homeowners can start saving energy - and money - right now.
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