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I have listed a new property at 37 Sundown WY SE in Calgary.
AWESOME RENOVATED FAMILY HOME IN A LAKE COMMUNITY - FOR SALE WHAT WE LOVE ABOUT IT: Sundance is a fantastic, mature Calgary neighbourhood that features one of only a handful of community lakes in the city that are for residents of the neighbourhood only. The access to Macleod and Stoney Trails make it easy to get in and out of town, and all the amenities you need are within a 5 minute drive, or 10 minute walk. The home itself is in tremendous condition. A full kitchen reno was done just a few years a go, and the main bath was completely torn apart and redone last year. The quality of the work is outstanding. Fresh paint, newer carpet up the stairs, and hardwood in the bedrooms are just a few of the upgrades. The yard is west facing, with tons of mature trees, giving you privacy from your neighbours. The current owner has been here for over 20 years, and has maintained the house extremely well. THE HIGHLIGHTS: Amazing Location In Sundance; Lake Community; Newer Kitchen Reno; New Main Bath Reno; Lots Of Room For The Whole Family; Landscaped West Facing Yard
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I have listed a new property at 228 Panora WY NW in Calgary.
SUPER CUTE 2 STOREY WITH A FULLY DEVELOPED BASEMENT FOR SALE - PERFECT FOR THE FIRST TIME HOME BUYER!! WHAT WE LOVE ABOUT IT:It's a fantastic home that has been kept in amazing shape. It's a former show home, so there are a few more bells and whistles (like central A/C and an in ground sprinkler system)! Hardwood through the main floor, a fireplace, and a chef's kitchen highlight the first level. On the second floor, there are 3 bedrooms total including one of the largest master bedrooms I have seen in a laned home. There is also an ensuite and walk-in closet. The basement is fully developed with a rec room, a 3rd full bath, and has a ton of storage space. The south backyard is fully fenced and includes a large deck, and a double detached garage.   HIGHLIGHTS: Great Location in Panorama Hills; Easy Access to Stoney Trail; Walking distance to shopping and Tim Horton's!; Fully developed basement; South back yard; Double garage; Former Show Home.
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I have listed a new property at 902 300 Meredith RD NE in Calgary.
BEAUTIFUL CONDO IN AN ICONIC CALGARY LANDMARK WITH A DOWNTOWN VIEW FOR SALE! WHAT WE LOVE ABOUT IT: Holly Park is one of those architectural gems that defines Calgary's skyline North of downtown. With it's mid century modern vibe, It was built as an executive upscale building, and that still holds true today. Located in a private cul de sac, there is an indoor pool, exercise facilities, squash courts, and concierge. The apartment itself is in fantastic shape. The kitchen has been updated, and the patio is one of the largest in the building. The view is amazing. If you have ever wondered what it would be like to live in this awesome space along the bow river, walking distance to downtown and all the quaintness that Bridgeland has to offer, you need to book a tour of this place. HIGHLIGHTS: Iconic Calgary Landmark Building; Downtown View; Indoor Pool; Workout facilities; Squash court; Private enclosed garage underground; Huge patio
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I have listed a new property at 7 Crystal Shores ME in Okotoks.
SPECTACULAR, ONE-OF-A-KIND BUNGALOW ON A HUGE, FULLY LANDSCAPED PIE LOT. A PRIVATE GARDEN OASIS RIGHT IN TOWN BACKING ONTO A GREEN SPACE; WITH LAKE ACCESS!! WHAT WE LOVE ABOUT IT: This home was custom built with attention to all the details. The finish is outstanding, and you can feel the quality of the home the second you walk up the path to the front door. Rustic Modern style complete with beams and statement stone fireplace highlight the main floor along with a custom kitchen including high end appliances, an oversized, to-die-for laundry/mudroom , the master bedroom with amazing ensuite, a den, and a covered deck overlooking your extensively landscaped back yard which backs onto the path system. Downstairs, 4 bedrooms make this a perfect home for a large family, or in today’s world, one that can accommodate several work from home scenarios. There is also a recording studio with a green screen as well. Crystal Shores is Okotoks only lake community, and this home is a 2 minute walk from the lake house. THE HIGHLIGHTS: Custom Built Bungalow With Tons Of Upgrades on a Cul De Sac; Private, Extensively landscaped backyard backing onto the path; 5 bedrooms plus a den and a recording studio area; Step down fire pit area screened with trees to provide privacy; Perfect family home steps from the lake; Custom touches throughout the entire home; Cul De Sac location; Close to schools and shopping as well.
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I have listed a new property at 106 4127 Bow TR SW in Calgary.
FANTASTIC CONDO MINUTES TO DOWNTOWN ON CALGARY’S WESTSIDE, UNDER $175,000.00 FOR SALE! WHAT WE LOVE ABOUT IT: Awesome condo with 2 beds, this building was completely transformed in 2007 to condos, and everything was redone at that time. It is in excellent shape, and would make a great condo to live in, or to use as a revenue property. You are walking distance to Westbrook Mall, minutes to downtown by car or transit, and there are tons of amenities and shops close by. The Westside is an extremely desirable part of town, and to get in at this price is rare. The condo itself features maple cabinets, stone counters, black appliances, walnut flooring, and comes with parking and in suite laundry. THE HIGHLIGHTS: Completely redone; Awesome location; Two Bedrooms; Close to downtown by car and transit; Walking distance to Malls, restaurants and shops; On Calgary’s Westside; Great price!
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I have listed a new property at 46 Coach Ridge PT SW in Calgary.
BRAND NEW CUSTOM BUILT HOME IN AN ESTABLISHED NEIGHBOURHOOD WITH A HUGE PIE LOT ON CALGARY’S WESTSIDE FOR SALE. WHAT WE LOVE ABOUT IT: A brand new cul de sac in a neighbourhood that was built in the 80’s, makes this truly a unique enclave of homes in Coach Ridge Estates. #46 is on the largest lot in the development, & the owners added a ton of custom touches. The house is pushed over to the left as far as it can go to allow a 9 foot space between the house & the fence on the north side. This would allow a boat, trailer, car, you name it to be driven down the side of the house. The lot is so huge, the house only covers 18% of it, leaving loads of room for a shop or second garage to be built. Backing onto a treed acreage ads to the privacy. Inside, custom lighting, an executive kitchen, a fully developed basement, upgraded plumbing fixtures, speakers wired through out, roughed in wet bars in the basement and bonus room, as well as numerous other upgrades from the builder make this a rare opportunity to own a brand new home with warranty, on a huge lot, 15 minutes from downtown. THE HIGHLIGHTS: Brand New Custom Built Home With Warranty!; Incredible location on Calgary’s West Hill. Fully developed basement; Massive pie lot backing onto a treed acreage.; Easy access to downtown, or the mountains; Custom touches through out the entire home; Cul De Sac location
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I have listed a new property at 940 30 AV NW in Calgary.
AMAZING OPPORTUNITY - R-C2 HOME STEPS FROM CONFEDERATION PARK WITH A BASEMENT SUITE FOR SALE. WHAT WE LOVE ABOUT IT: The possibilities. It’s currently an up down duplex w/ a double garage out back. On an amazing street, you could buy it, live up, rent down, rent the whole thing, or knock it down & build two, or a single family with a carriage house. With a two storey on the lot, you would have a downtown view. The street is spectacular. 1/2 a block from Confederation Park, it’s extremely quiet, close to downtown, and in an amazing neighbourhood (Cambrian Heights). There have been numerous homes knocked down & rebuilt around it. The current tenant upstairs has been there for 10 years, & would like to stay if possible. The Boiler was recently serviced, and the basement is vacant to bring your own tenant if you like. It’s a raised bungalow with large windows in the basement making for a much more desirable suite style. All appliances are included and sold as is. THE HIGHLIGHTS: Amazing location in Cambrian Heights; Steps from Confederation Park; 2 suites with separate entrances up and down; R-C2 zoning; Fantastic lot to develop down the road; Live up rent down, or use as an income property
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This Article Courtesy Of www.bobvila.com

 

There are times when buying the priciest house your lender allows could doom you financially. Many homebuyers get preapproved for a home loan before starting they seriously start shopping—and for good reason. Preapproval by a lender lets homebuyers know exactSet Goals

Odds are you don’t need the most expensive house in the area to be happy, but it’s easy to be lured into a high-end home if you don’t set firm guidelines. Plan a budget that includes mortgage payments to figure out how much money you’ll need left for all your other expenses. Then—keeping the following reasons in mind—establish a firm upper limit on how much you can spend, and tell your real estate agent not to show you homes above that set price.


You may have to pony up for private mortgage insurance.

If you can’t come up with 20 percent of the new home’s purchase price as a down payment, your lender will require you to purchase private mortgage insurance (PMI). which runs from .5 percent to one percent of the loan value. For example, if you buy a $250,000 house, but only have a $10,000 down payment, you could pay up to an additional $2,500 per year for PMI. If you purchased a $100,000 home and put down the same $10,000, you’d pay no PMI at all.


You’ll probably need to factor in furniture and appliances.

 

Since most homes don’t sell with furniture and/or appliances included, you’ll most likely need to purchase these big-ticket items, especially if you’ve been renting a furnished apartment up to now. If you buy a home at the top of your budget, you may be unable to afford quality necessities like a fridge or washer/dryer. Find a less expensive house and you’ll have some funds to equip it with furniture and appliances that will make it feel like home.

Photo: istockphoto.com

Costly repairs can happen.

Your dream house could quickly become a nightmare if, for instance, the HVAC unit poops out and your insurance company doesn’t cover the replacement cost (they usually don’t). Paying a high monthly mortgage can leave you without enough money to contribute to an emergency fund for just such a purpose. You may end up having to take another loan just to cover the cost of repairs, which will stress your budget even more.



A high-end home can leave you “house poor.”

The term “house poor” refers to folks who spend most of their income on their home through mortgage payments, repair costs, property taxes, and utility bills, leaving little left over for other expenses. Being house poor is no fun when your friends are taking vacations and buying new cars, but you’re tapped out with that big mortgage payment and house-related bills.


You’ll want to remember to save for retirement.

Many financial experts, such as Fidelity Bank, suggest socking away at least 15 percent of your income toward retirement savings. If your mortgage payment and related housing costs are so high that you can’t afford to save for those golden years, you may have to work way past retirement age just to make ends meet. Buyiing a more moderate house now could mean more leisure time later.


A pricy house could hurt your kids’ college prospects.

College is expensive, and many families apply for financial aid to help pay the tab for tuition, room, and board. Unfortunately, getting financial aid is based on parental income (until the student is 24 years old), according to the Motley Fool. So if you buy a costly house that doesn’t let you save for your kids’ education, their chances of receiving financial aid will still depend on how much money you earn—not how much you have in your bank account—and their options could suffer.


It’s simply not worth the stress!

 

Being short on cash and always living paycheck to paycheck doesn’t make for a happy life. According to CNBC, financial problems are the leading source of stress in couples and families. In the long run, having the fanciest house you can afford just isn’t worth all you’ll give up to hold onto it. A less expensive abode will leave you with money for savings, vacations, an emergency fund, and a college fund for the kids. And after all, the best house you can own is one filled with love!

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Article Courtesy of Better Dwelling.


Canada’s national housing agency isn’t just forecasting price declines, they’re preparing for them. Canada Mortgage and Housing Corporation (CMHC) announced changes to its mortgage insurance. Homebuyers with less than 20% down should now expect lower debt service maximums, a more stringent credit quality check, and a ban on borrowing down payments. If those sound like good things, that’s because they are… unless you’re trying to sell the borrower a home.

Maximum Debt Service Ratios To Decrease

The new policies lower the maximum debt service ratio – the amount of income used to make payments. The maximum gross debt service (GDS) will be set firmly at 35%, from a maximum of 39%. The maximum total debt service (TDS) will drop from 44% to 42%. The higher ratios were only available at some lenders, for people with excellent credit scores. However, that option will no longer exist – at least for the next few months.

What kind of impact will that have on buyers? This should translate to a drop of 11% in buying power for someone with few to no bills other than their mortgage. Additional debt would weigh it down further. Once again, this was only available to people with great credit, but no longer is an option. Most likely because the next rule is you need better credit to qualify anyway.

Canadian Homebuyers Will Need A Higher Credit Score

The CMHC is looking for higher quality credit for insured mortgages. The new minimum for credit scores will be 680, up from 600. In Equifax terms, this means credit considered “fair” will no longer qualify as a minimum. This is similar to an informal trend in the US earlier this year.

How this impacts the market will be a little more tough to estimate, but we can give you an idea. Equifax data shows just 14% of the total mortgage market would rank above that threshold. Now, not all of those are insured mortgages – which are more likely to have more green credit. An additional data point to consider TransUnion recently told clients 5.5% of accounts moved from the prime to non-prime segment. This trend is expected to accelerate, as a “severe” scenario plays out. Their words, not mine.

Say Goodbye To Borrowed Down Payments

The CMHC will no longer count borrowed and insured funds as equity. This would mean people will have to find the whole down payment. Tragic, I know. Data from Mortgage Pros Canada (MPC) shows 52% of first-time homebuyers borrowed funds for a downpayment. Two-percent of first-time buyers borrowed 100% of the down payment from family. Another 5% relied on loans for at least half of their downpayment, but less than the total. The impact most likely wouldn’t deter these buyers, but instead delay them. An important point if a sudden spike of liquidity were to occur, like a negative cap investor sell off.

Insured Mortgages Represent 35% Of Mortgages In Canada

How big is the insured market? Insured mortgages represent 35% of mortgages at chartered banks. The majority are likely recent buyers, since very few markets would have less than 20% equity over 5 years. MPC data shows from 2015 to 2019, 49% of first-time buyers had a downpayment smaller than 20%. So it’s a substantial portion of the market.

The CMHC manages insurance for mortgages, therefore assessing risk is a primary task. If they’re putting up hurdles for buyers, it’s to prevent default risk (and taxpayer liabilities) from climbing. They didn’t just forecast real estate price declines last month. They’re now preparing to avoid exposure to these declines. In the insurance industry, this is putting their policy where their mouth is.


So what? It’s just the insured market, the general market is going to be fine, right? An easy way to understand the short-term impact here is to do what all Realtors say – think of the market as a property ladder. As buyers on the first rung move up, they need to find someone to take their position. If home prices are falling, and there’s a smaller pool of qualified buyers – they may not be as motivated to move. With fewer buyers ready to take on financial risk, shrinking demand works its way up the ladder.

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I have listed a new property at 6248 Silver Springs HL NW in Calgary.
**ESTATE SALE!! ORIGINAL OWNER, UNTOUCHED GEM IN SILVER SPRINGS FOR SALE!!** What We Love About it: When it comes to homes that are a great starting point for a renovation, original owner homes are the best. They have not been messed with by several “weekend warrior” handymen owners, and present the perfect starting point for anyone wanting to build some sweat equity, buy and flip, or buy and completely renovate immediately for their dream home. Also, two storey homes are rare in Silver Springs, and this one represents an awesome opportunity. The Highlights include 4 beds up which is really rare and desirable, developed basement, double detached garage, large lot, and a ton of space in the backyard. Silver Springs is a community with an endless number of advantages. Quick to downtown, or the mountains, mature trees with parks, schools and lots of amenities. For more details, visit the realtor website, or click the extra supplements below.
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