tag:blogger.com,1999:blog-74821165971658770992024-02-07T03:51:34.666-08:00MAKING YOUR REAL ESTATE DREAMS REALITYS.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.comBlogger107125tag:blogger.com,1999:blog-7482116597165877099.post-39802125821991286882013-10-14T17:26:00.002-07:002013-10-14T17:26:19.064-07:00Nucerity Testimonial Pictures
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<a href="http://www.youtube.com/watch?v=OV1oZuTLbxU"><span style="color: blue;">http://www.youtube.com/watch?v=OV1oZuTLbxU</span></a></div>
S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-47568364055116951172013-10-09T20:06:00.001-07:002013-10-09T20:06:25.697-07:00One Day House Tune Up<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibzMi_vZf6bJA6gKbl8uwLQFuCkUyTCf4buX-J1XEBbPTjlO6ijjYwwwsKu2I-IRdX92JYAAKMsgfkSSBqVZPsrbJ53H_7_pfhuGJU5gfZR9G3t18YEh7wGcqAzP5evMSs8-kmj9xxPRjW/s1600/One+Day+House+Tune-Up.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="494" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibzMi_vZf6bJA6gKbl8uwLQFuCkUyTCf4buX-J1XEBbPTjlO6ijjYwwwsKu2I-IRdX92JYAAKMsgfkSSBqVZPsrbJ53H_7_pfhuGJU5gfZR9G3t18YEh7wGcqAzP5evMSs8-kmj9xxPRjW/s640/One+Day+House+Tune-Up.jpg" width="640" /></a></div>
<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-55018097626887673722013-10-02T11:34:00.003-07:002013-10-02T11:34:19.838-07:00Another OpportunityNot only is this a fantastic product but it is also a fantastic business opportunity. Check it out!<br />
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<span style="font-size: small;"></span><a href="http://www.blogger.com/www.mynucerity.com/198895"><u><span style="color: blue; font-size: small;"><span style="color: blue; font-size: small;">www.mynucerity.com/198895</span></span></u></a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-84390036148768846432013-10-02T07:34:00.002-07:002013-10-02T07:34:59.733-07:00Real Estate Monthly stats<a href="http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013_September.pdf">http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013_September.pdf</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-5382965885909922702013-10-01T08:01:00.002-07:002013-10-01T08:01:26.175-07:00Province announces new process for condo disputesProvince announces new process for condo disputes<br />
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<a href="http://www.calgaryherald.com/Province+announces+process+condo+disputes/8979827/story.html">http://www.calgaryherald.com/Province+announces+process+condo+disputes/8979827/story.html</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-47957153288923320012013-09-23T09:05:00.001-07:002013-09-23T09:05:21.246-07:00Are You Still Renting?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimW0nLJkFhzaGvPELJnkDS8ZlHlTFWHEe52BCTPvP2PTamqdmesmWyyncw-x02uENfwkJ_hc1OOO-6U-qEuqMIk32cJJBtKgm_K1QVF-XdZun8xYIjDotgS6FndFKiUII9ZmCRucS3rSBW/s1600/Are+you+still+renting.JPG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimW0nLJkFhzaGvPELJnkDS8ZlHlTFWHEe52BCTPvP2PTamqdmesmWyyncw-x02uENfwkJ_hc1OOO-6U-qEuqMIk32cJJBtKgm_K1QVF-XdZun8xYIjDotgS6FndFKiUII9ZmCRucS3rSBW/s640/Are+you+still+renting.JPG.jpg" width="494" /></a></div>
<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-86171061946018894962013-09-23T08:07:00.002-07:002013-09-23T08:07:27.000-07:00Market Assistance<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWJ4UAavZFjWP4C_yDTCTwWq0PRRerk5j0LMgnBIbENQxny1NWmlyJNSg9nvL4sYnDtXVp9BS-AaeHoT1pXkePKTgRyKPXsn6HbMJdmUIn58jWXEBERT0CSg9INy0T3XmLWKSd0puSlvJB/s1600/Bear.JPG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="494" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWJ4UAavZFjWP4C_yDTCTwWq0PRRerk5j0LMgnBIbENQxny1NWmlyJNSg9nvL4sYnDtXVp9BS-AaeHoT1pXkePKTgRyKPXsn6HbMJdmUIn58jWXEBERT0CSg9INy0T3XmLWKSd0puSlvJB/s640/Bear.JPG.jpg" width="640" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4LS8w3_gQ1-BBupx-3XwH2Vk-2llGPypJ94z5le5-BbAaIiRgK9ua8Ga4p0SHRiw7X6btReNQk5uHINuhAFojNIgpDKn0u8-W5XlEipnRShb3FfIhWml5epaqdXsxrzw-offCM82eGSDi/s1600/Duck.JPG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="494" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4LS8w3_gQ1-BBupx-3XwH2Vk-2llGPypJ94z5le5-BbAaIiRgK9ua8Ga4p0SHRiw7X6btReNQk5uHINuhAFojNIgpDKn0u8-W5XlEipnRShb3FfIhWml5epaqdXsxrzw-offCM82eGSDi/s640/Duck.JPG.jpg" width="640" /></a></div>
<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-54827738964435484822013-09-19T08:24:00.002-07:002013-09-19T08:25:19.451-07:00Attitude<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0hxzjikKctJNd4R6YO6QSVV6xeUT2m5HEiPSiHDW5eFKE22T7eDKxoT92D84TnPBFmymGSy0q9OgvbDkn-venSwsaJj1vGpCgGNq_8dvVDODwfSEjTJnKjHZCXBiawSyQgOga96fn7BOV/s1600/Attitude.JPG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0hxzjikKctJNd4R6YO6QSVV6xeUT2m5HEiPSiHDW5eFKE22T7eDKxoT92D84TnPBFmymGSy0q9OgvbDkn-venSwsaJj1vGpCgGNq_8dvVDODwfSEjTJnKjHZCXBiawSyQgOga96fn7BOV/s1600/Attitude.JPG.jpg" height="640" width="494" /></a></div>
<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-39473382239357049642013-09-07T11:29:00.000-07:002013-09-07T11:29:15.258-07:0011 Fattest Lies About the Real Estate Industry
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<!--[endif]--><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">1. A referral is the best way to get a
Realtor</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Simply trusting that a Realtor has your best
interests at heart can lead to disappointment. Your needs are unique. Qualify
all Realtors to ensure they are competent and motivated to properly represent
you. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">2. Pay off your mortgage quickly</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">If you reduce your payment or simply pay
interest only (secure line of credit) and invest the savings into a compounding
interest account, your savings will be much higher than the value of your
original mortgage. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">3. You don’t qualify for a mortgage</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Regardless of your credit or income, anyone
can purchase a house. Options such as joint ventures, vendor financing, second
mortgages, and many more, provide endless opportunities. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">4. When to buy real estate</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">If the papers say that a city is booming,
everyone wants to buy. Therefore, this is the perfect time to sell. When
everybody is selling because of a recession, then you buy while prices are rock
bottom. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">5. Its all about price</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Negotiating mainly on the price of a property
will limit your opportunity. If you can offer more favorable terms to the other
party, then the price will become secondary. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">6. "#1 Agent": Someone is lying</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Every agent seems to advertise that they are
#1. You may not be getting the whole story (ex. 5 agents working under one
name). Be careful of what you believe, as the criteria of measurement may lack
relevance, or be severely outdated. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">7. More experience the better</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">If a Realtor has not kept up to date with the
changing technology, regulations, market conditions, or modern service style,
then all their past experience won’t help you be properly represented. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">8. Super agents</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">If an agent works alone, be careful. It is
impossible for someone to be accessible at all times. Your business may be
handled by a Realtor you have never met until your Realtor is available. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">9. Every agent in a brokerage is the same</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Realtors choose their own methods of customer
service and business practices within their brokerage. Only very basic
standards are in place, therefore, don’t assume one agent is the same as the
next. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">10. Calling signs is the best way to find a
property</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">A Realtor selling a property cannot represent
their seller’s best interests and yours at the same time. This is a conflict of
interest. Save yourself potentially thousands and find your own Realtor. </span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">11. Banks are the best financing source</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-weight: normal;"><o:p></o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal;"><o:p> </o:p></span></strong></div>
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<strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Banks have different mortgage options,
but can only ever provide you with their rates. A mortgage broker works with
most major banks, has way more options and tons of different lenders’ interest
rates. Plus, they can work to fit your schedule.</span></strong><strong><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt; font-weight: normal; line-height: 115%;"><o:p></o:p></span></strong></div>
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<i style="mso-bidi-font-style: normal;"><span style="color: grey; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-CA;">This article has been written by Lindsey Smith of the Entyro Service
Group in Calgary AB<o:p></o:p></span></i></div>
S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-25560997982390375782013-09-07T11:25:00.001-07:002013-09-07T11:25:23.408-07:00Aug. 2013 Real Estate Sales <a href="http://bbemaildelivery.com/bbext/?p=land&id=E5B2F0DC68F58F8EE0408F0AAB975397&vid=0ebd58d8-a2e5-9670-4978-e1235a53da9b">Aug. Sales </a><br />
<br />
<a href="http://bbemaildelivery.com/bbext/?p=land&id=E5B2F0DC68F58F8EE0408F0AAB975397&vid=0ebd58d8-a2e5-9670-4978-e1235a53da9b">http://bbemaildelivery.com/bbext/?p=land&id=E5B2F0DC68F58F8EE0408F0AAB975397&vid=0ebd58d8-a2e5-9670-4978-e1235a53da9b</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-21793145262354086752013-09-04T20:29:00.002-07:002013-09-04T20:32:08.389-07:00Step By Step Guide to Buying<span style="mso-ignore: vglayout; position: relative; z-index: 251658240;"></span><br />
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 1 -
Get Educated<o:p></o:p></span></b><br />
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">It is so important to get educated on the real estate
process and industry. We are talking about one of the biggest investments of most
people’s lives; a little time to empower yourself will go a very long way.
There are several resources you can turn to for information.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">The
Internet</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">
- The internet is truly the information super highway. If it isn’t on the
internet, it probably doesn’t exist . . . yet.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Libraries
or Bookstores</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - There are thousands of books written on real estate.
If you are still hungry for knowledge, stop by your local library or favorite
bookstore. Try to stick to something that is pertaining to the country or area
you reside in, as the laws and procedures can be dramatically different.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Book
a Meeting with your Realtor</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> – It is so important that you understand how
the current real estate market will affect your particular situation. <o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 2 – Initial
Meeting or Consultation<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">After selecting your agent, you will want to schedule a
sit down meeting. At this time you can officially meet (if you haven’t
already).<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">You don’t want to skip this step. It will be virtually
impossible to properly represent you without having actually sat down to
discuss things, as they fit your unique situation. The real estate market is
constantly changing and you must be aware of where you stand. Once you have
assessed your situation, this is where you will express your goals and
determine an appropriate action plan so you can confidently move forward.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 3 - Determine
How I Will Pay<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">There is nothing but options when it comes to financing,
but you should have a good idea of how you will purchase your next home before
you get too committed to looking. There are three main sources of financing. <o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Traditional
Banks </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">–
If you already have a great rapport with your current bank, this is a good
option. Usually you will be able to get pretty good terms on your mortgage.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Mortgage
Brokers </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">–
They have the most options. They can use most of the major banks, plus many
other lenders. They will be your best bet to truly finding the best option for
your particular situation.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Creative
Financing</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">
– The options here are endless and are great for investing, or if you cannot
access a mortgage through the banks or mortgage brokers.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 4 - Start the
Search<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Now this is when most of the excitement really starts to
happen. You already know the type of home you’re looking for and the price you
can afford. A property search will have to be set up to notify you (typically
via email) when a new property enters the market that matches your criteria.
Once you have identified some potential properties, it’s time to hit the
pavement.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">This is where you really want to keep the goal you set
during the initial meeting top of mind; it will make this process a whole lot easier,
not to mention less stressful. During your showings, if you visit a property
that isn’t inline with your goal, it is easy just to erase it from your mind.
However, if it is inline, you can easily add it to your shortlist or even write
an offer. Quickly identifying a property which is inline with your goal will
save you the headache of viewing hundreds of homes and getting discouraged. <o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 5 - Write the
Offer<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Once you have found a home that will suit your needs, the
next step is to prepare and present an offer. There are several steps that have
to be taken when you write your offer.<o:p></o:p></span></div>
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<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></i></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Property
Research</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">
– This is where you investigate the selling history of the home and also where
the price is relative to the market. To do this, an assessment of the current
homes on the market and properties which have recently sold will have to be
done. This is where you will get most of your fire power for determining your
offer price.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Terms</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - Terms
are the clauses that make up the contract. These are the items that are agreed
to and will be upheld, otherwise there is a breach of contract. In addition to
the standard terms that will be reviewed with you when preparing the offer, you
can add in whatever else you need to, however, these are open for negotiation.<o:p></o:p></span></div>
<br />
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Conditions</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> –
Conditions, on the other hand, are clauses in the contract that must be
fulfilled in order for the transaction to even proceed forward. Typical
conditions are for a home inspection, or for the buyer to be approved for
financing. The buyer or seller is then given a few days to fulfill the
conditions (typically 7 to 10). This is what it is meant by a property status
that is listed as pending (P) or conditionally sold (C/S). If something happens
where either the buyer or seller are not satisfied with the results of their
trying to satisfy their conditions, then they may walk away from the contract
at no cost and with no further obligation (deposit cheques are returned).
Conditions are most commonly for the buyer, but you may have a seller’s
condition as well.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Deposits</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - In
order to write an offer, you will need a cheque and some available money for a
deposit. This is initially a show of good faith in a transaction and is fully refundable
if the conditions on the purchase are not removed. After the conditions are
satisfied and removed in writing, the deposit becomes the seller’s security
that you will complete the purchase (non refundable).<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Price</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - There
are only two things that are negotiable in a real estate transaction, price and
terms. Once you know what terms and conditions you would like on the contract,
and have completed your property research, you can now effectively determine
the appropriate offer price.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">The offer price will
be determined based on all the variables affecting this specific property. What
terms do we need? How many offers are there? How long has the property been on
the market? And many, many more. We will not be discussing negotiating strategy
here, but remember this: What unique way can we meet the seller’s needs and
still achieve our goals. This isn’t always strictly involving price.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">The
Offer Presentation and Acceptance Procedure</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - After the offer is
written and signed, it is the Realtor’s job to present the offer to the seller.
This will typically happen one of two ways.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">First, if the seller
is available, the offer can be presented in person or directly to the owner of
the home. The listing Realtor will be there to represent their client, however
this is a good opportunity to meet the seller and present your case in person
(much more intimate and effective). <o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">An alternative method
is by faxing the offer. This means that you will need to be accessible by phone
for negotiations to occur. Once a counter offer is received, or the offer is
accepted, all parties will now need to sign the documents. <o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 6 - Satisfy
Conditions<o:p></o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Once the offer is accepted, it is time to proceed with
satisfying your conditions. This process usually involves arranging and performing
a home inspection, getting all your personal information and the property
information to your mortgage broker or bank, or simply doing research to gather
whatever information is required. As Realtors, we play a huge role in gathering
this information and making the necessary arrangements to ensure the process
continues to run smoothly.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">After the necessary information is verified, a decision
to proceed (or not) is made, and the appropriate written notice is provided to
the seller and their agent. Once the conditions are removed, the sale is
considered "firm" and the property will be marked "sold"
for advertising purposes (changed from C/S or Pending to Sold).<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 7 - Preparing
for Possession<o:p></o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Typical possessions are 30 - 60 days, however they may be
quicker. . . much quicker. Get the following items completed as fast as
possible, as this will alleviate a large amount of stress.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Lawyers</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - You may
have already chosen your lawyer at this point, however if you haven’t, it is
now mandatory that we know who will be handling the transaction. Once you have
a lawyer chosen, they will need all the required paperwork prior to you meeting
with them. This is usually handled by your Realtor to ensure they get
absolutely everything they need. You will be meeting with the lawyer about a
week before you take possession and will need to provide your insurance
information, the balance of your down payment, payment of fees, payment of any
adjustments or taxes, sign documents, and finalize anything else that is
required before you own the home.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Down
Payment </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">-
If your down payment is not readily available, make the necessary arrangements
to obtain it. You may need to transfer money, cash in bonds/stocks, or move
money in another way. It is important to note that liquidating certain assets
can take upwards of 30 days, be sure to consult your Bank or Mortgage Broker
about this.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Movers</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - If you
are using professional movers, book early. Possession dates commonly fall on
the 1st, 30th, or 15th of the month. Movers fill up their schedule very fast,
so call ahead and make the arrangements early. <o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Insurance</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"> - When
you actually meet with the lawyer they will ask to see a copy of your
insurance, as it is a requirement of the mortgage. No insurance, no money. This
step usually involves a simple phone call and/ or a lengthy survey. Have a copy
of the listing available with all of the specifications of the home on it. Be
prepared to answer questions regarding the age of the house, furnace,
electrical system and roof, as well as general questions regarding square
footage and the features.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Utilities
</span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">-
When you take possession of your new home it is very important to change your
utilities over to your address in advance. This includes your phone, cable,
internet, power, water, and gas services. Also, don’t forget to cancel the
utilities at your previous residence.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt 36pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Mailing
Address </span></b><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">-
This is the least favorite of all the steps, but it is a necessary evil. Gather
all of your bills, statements, tax information, healthcare information, anything
you make automatic payments on, any subscriptions, any clubs or organizations
in which you belong, etc. Sit down and make a big list of these things early,
because you will forget at least three. . . guaranteed. Then pick up the phone
and begin giving out your new mailing address and the date you will be taking
possession or moving in. You might also want to have your mail forwarded,
through the post office, for anything you may have missed.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 8 - Possession
Day<o:p></o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Typically, possession happens at 12:00pm on the agreed
upon day. The seller’s lawyer will contact your REALTOR® to notify them when
keys can be released to you and to provide you with permission to access the
property. From time to time, your REALTOR® can negotiate (at the offer stage)
to have a walk-through of the property completed a few hours before, or the day
prior to possession. If you and your REALTOR® discover any problems during the
possession, these are communicated to the lawyer who will then advise on the
next best course of action. It is good practice to not schedule your entire
move at 12:00pm on the possession day as small delays are not uncommon.<o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">This day can be very exciting and very stressful, so
proper planning of your move well in advance is critical. Congratulations, you
are officially the owner of a new home<b style="mso-bidi-font-weight: normal;">!</b><o:p></o:p></span></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">Step 9 - Follow Up<o:p></o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p> </o:p></span></b></div>
<br />
<div class="MsoNoSpacing" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "Arial","sans-serif"; font-size: 10pt;">After you take possession, the transaction is complete.
But, questions may still arise after the fact. Who should I contact about this?
Or what should I do about that? After a few days in the property you will
receive a follow up call to ensure things are in order. Write down your
questions so you will be prepared for the follow up call.<o:p></o:p></span></div>
<br />
<div class="MsoFooter" style="margin: 0cm 0cm 0pt;">
<span style="color: #999999; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-CA;"><o:p> </o:p></span></div>
<br />
<div class="MsoFooter" style="margin: 0cm 0cm 0pt;">
<span style="color: #999999; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-CA;"><o:p> </o:p></span></div>
<br />
<div class="MsoFooter" style="margin: 0cm 0cm 0pt;">
<i style="mso-bidi-font-style: normal;"><span style="color: grey; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-CA;">This article has been written by Lindsey Smith of the Entyro Service
Group in Calgary AB<o:p></o:p></span></i></div>
S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-27930361682550865252013-09-04T20:26:00.001-07:002013-09-04T20:26:17.075-07:00Comprehensive Service<b><span style="font-size: large;"><div align="CENTER">
"I pride myself on providing the most comprehensive service in town!"</div>
</span><br /></b><span style="font-size: x-small;"><div align="JUSTIFY">
<br /></div>
</span><span style="font-size: small;"><div align="JUSTIFY">
Wherever you roam, I'll find you a home... of your dreams, of course! Whether you're ready to make your move across town or anywhere in the world, I will provide you with professional, comprehensive services to ease the transition into your new community.</div>
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<br /></div>
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I am qualified to handle all of your real estate needs and make your move a pleasant experience. Whether you are selling your home or buying a new one, my personal service philosophy is to take care of all the little details of your transaction, so you are relaxed and understand the entire process.</div>
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<br /></div>
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<div align="JUSTIFY">
Due to my empathetic, diligent service style, your home will be sold in a timely manner and at a premium price.</div>
</span><span style="font-size: small;"><div align="JUSTIFY">
When you're in the market to buy a new home, I will personally escort you to a variety of homes in your areas of choice and priced in the range in which you feel most comfortable.</div>
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<div align="JUSTIFY">
<br /></div>
</span><br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-91667848468899970862013-07-16T15:23:00.003-07:002013-07-16T15:23:48.672-07:00Great link on home based business<span style="font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10pt; mso-ansi-language: EN-CA; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-CA; mso-fareast-theme-font: minor-latin;"><a href="https://gv964.infusionsoft.com/app/linkClick/13684/1b68e28d6752fc72/14973398/2b4eea7ddd5f39a0"><span style="color: blue;">http://rayhigdon.com/number-one-reason-i-love-home-based-businesses/</span></a></span><span style="font-family: "Lucida Sans Unicode","sans-serif"; font-size: 9pt; mso-ansi-language: EN-CA; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-CA; mso-fareast-theme-font: minor-latin;"> </span>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-69650003273489822742013-07-16T15:10:00.001-07:002013-07-16T15:10:42.906-07:00Alberta’s Largest Real Estate Brokerage Expands into Red Deer <div align="LEFT">
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<b><span style="font-size: medium;">MEDIA RELEASE</span></b><span style="font-family: Arial,Arial; font-size: xx-small;"><span style="font-family: Arial,Arial; font-size: xx-small;"> </span></span><br />
<span style="font-family: Arial,Arial; font-size: xx-small;"><span style="font-family: Arial,Arial; font-size: xx-small;">
</span></span><br />
<b><br />
<span style="font-size: x-small;"><br />
Alberta’s Largest Real Estate Brokerage Expands into Red Deer <br />
</span></b><span style="font-family: Arial,Arial; font-size: xx-small;"><span style="font-family: Arial,Arial; font-size: xx-small;">Calgary based real estate company CIR REALTY has expanded to join the Central Alberta Real Estate Association (CARA) and has opened a corporate office in Red Deer, Alberta. The CIR REALTY Red Deer office will join 4 Calgary based corporate offices and 12 surrounding area "satellite" offices and will allow the independently run brokerage to extend their service offering throughout Central Alberta. <br />
<br />
The office, which is located at #102 - 4730 Ross St. in the heart of downtown Red Deer, is fully operational and currently being run by Red Deer’s own John Frère Realty Team. <br />
<br />
"CIR REALTY has innovation and education second to none. The nine person non-competing management team at CIR also offers a level of support and expertise that is unprecedented in our area," says Dorian Frère of the John Frère Realty Team <br />
<br />
"Our clients benefit from our increased knowledge and the expansive network and marketing that both LeadingRE (the international real estate network CIR REALTY belongs to) and our new luxury division, Luxury Portfolio, provides," she says. <br />
<br />
John Frère is confident the CIR REALTY Red Deer Office with its CIR agents as local experts will become a market leader in Red Deer and surrounding districts. <br />
<br />
"We know that CIR REALTY will become a leader in the Red Deer area, just like in every other market they have entered, REALTORS® love to work in a culture of learning and excellence," says Frère. Ron Stader, the Broker Owner and President of CIR REALTY says the move into a new Alberta market will give more REALTORS® the opportunity to grow their business and provide a great real estate experience for their clients. "We know that the support, innovation and culture that CIR REALTY brings to our REALTORS® directly impacts the service that they can give their clients," Stader says. "CIR REALTY has had proven success in the real estate industry in Calgary and area for 30 years and we are excited to continue that success in Red Deer," he says. CIR REALTY is Alberta’s largest independent real estate brokerage with over 620 REALTORS® spread over 5 corporate and 12 satellite offices spread across Central Alberta. According to the 2013 Real Trends Canadian 250 Report, based on total transaction ends for 2012 CIR REALTY was the #1 producing brokerage in Calgary and area and #17 overall out of the top 250 real estate brokerages in the country. CIR REALTY is family owned and operated and has remained independent since its creation in 1983. <br />
<br />
For more information on CIR REALTY and for contact information for the CIR REALTY Red Deer office visit www.cirrealty.ca or contact the Red Deer office directly at 403-358-3883. Ends. </span></span>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-23992453345598743902013-07-04T09:34:00.002-07:002013-07-04T09:34:45.751-07:00City of Calgary on Contractor Fraud<span style="font-family: HelveticaNeue-BlackCond; font-size: large;"><span style="font-family: HelveticaNeue-BlackCond; font-size: large;"><div align="LEFT">
The responsibility is yours.</div>
</span><br /></span><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><div align="LEFT">
Calling 3-1-1 to confirm a contractor is licensed is a good</div>
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<div align="LEFT">
first step to help protect you from bad business practices,</div>
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but having a valid business licence does not guarantee</div>
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quality of work or the business operator’s ethics.</div>
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There are many other things you can do to guard against</div>
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contractor fraud, such as insisting on written estimates</div>
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and receipts. Here are some suggested resources:</div>
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Service Alberta “Home Renovations” Consumer Tip</div>
</span><br /></span><div align="LEFT">
<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">Sheet at </span></span><b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;">www.servicealberta.ca </span></span></b><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">or 1-877-427-4088.</span></span></div>
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<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><br />
<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">
<br />
<div align="LEFT">
Alberta Seniors and Community Supports “If in Doubt,</div>
<br />
<div align="LEFT">
Check it Out” fraud awareness tips and tools at</div>
</span><br /></span><b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"></span></span></b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"></span></span><div align="LEFT">
<span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><b>www.seniors.gov.ab.ca </b></span></span><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">or 1-800-642-3853.</span></span></div>
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<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><br />
<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">
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Canadian Home Builders’ Association website at</div>
</span><br /></span><b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><div align="LEFT">
www.HiringAContractor.com.</div>
</span><br /></span><br /></b><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><div align="LEFT">
Canadian Home Builders’ Association – Calgary Region</div>
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“RenoMark™” program at</div>
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<span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><b>www.renomark.ca </b></span></span><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">or </span></span><b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;">www.crhba.com.</span></span></b></div>
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Alberta Community Crime Prevention Association</div>
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“Heads Up Fraud Prevention Program” at</div>
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www.heads-up.ca.</div>
</span><br /></span><br /></b><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><div align="LEFT">
BBB Serving Southern Alberta “Hiring a Contractor” tips</div>
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<span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">at </span></span><b><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;"><span style="font-family: HelveticaNeue-Bold; font-size: xx-small;">calgary.bbb.org </span></span></b><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;"><span style="font-family: HelveticaNeue-Roman; font-size: xx-small;">or 403-517-4222.</span></span></div>
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Report fraudulent activity.</div>
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If a fraud occurs, report it to the Calgary Police Service at</div>
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266-1234. Please also notify 3-1-1 so The City’s business</div>
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licence inspectors can take the appropriate action.</span><br /></span><br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-6677822509679314022013-06-03T10:09:00.002-07:002013-06-03T10:09:20.317-07:00CREB Stats June 2013<a href="http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013%20May.pdf">http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013%20May.pdf</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-50392720065219486612013-05-31T10:22:00.000-07:002013-05-31T10:22:14.614-07:00Renewing and Renegotiating Your Mortgage<br />
<br /><a href="http://www.fcac-acfc.gc.ca/eng/resources/publications/mortgageloan/renewmortgage/renewmortgage_toc-eng.asp">http://www.fcac-acfc.gc.ca/eng/resources/publications/mortgageloan/renewmortgage/renewmortgage_toc-eng.asp</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-47952039178711992232013-05-17T12:13:00.000-07:002013-05-17T12:13:15.929-07:00Calgary and area stats updatesMay 1 - 16, 2013<br />
2013 2012<br />City of Calgary<br />
<br />
Total Sales 1,340 1,244<br />New Listings 2,115 2,123<br />Active Listings (Inventory) 4,791 5,679<br />Median Price $403,500 $388,750<br />Average Price $460,084 $447,378<br />Sales to New Listings Ratio 63.36% 58.60%<br />Sales Price to Listings Price Ratio 97.94% 97.50%<br />Total Sales at or above List Price 218 154<br />Total Sales at List Price 78 56<br />Avg. amount paid over list price $7,061 $7,075<br />Max. amount paid over list price $150,000 $53,000<br />
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City of Calgary - Single Family<br />Total Sales 912 897<br />New Listings 1,511 1,477<br />Active Listings (Inventory) 3,345 3,748<br />Median Price $459,950 $431,000<br />Average Price $520,923 $505,903<br />Sales to New Listings Ratio 60.36% 60.73%<br />Sales Price to Listings Price Ratio 98.01% 97.50%<br />Total Sales at or above List Price 158 125<br />Total Sales at List Price 50 43<br />Avg. amount paid over list price $8,559 $7,769<br />Max. amount paid over list price $150,000 $53,000<br />
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City of Calgary - Condo Apartment<br />Total Sales 230 197<br />New Listings 358 373<br />Active Listings (Inventory) 919 1,246<br />Median Price $275,750 $250,100<br />Average Price $322,552 $273,674<br />Sales to New Listings Ratio 64.25% 52.82%<br />Sales Price to Listings Price Ratio 97.48% 96.93%<br />Total Sales at or above List Price 25 13<br />Total Sales at List Price 16 5<br />Avg. amount paid over list price $1,904 $2,230<br />Max. amount paid over list price $13,100 $7,800<br />
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City of Calgary - Condo Townhouse<br />Total Sales 198 150<br />New Listings 245 273<br />Active Listings (Inventory) 527 685<br />Median Price $308,250 $281,250<br />Average Price $339,618 $325,529<br />Sales to New Listings Ratio 80.82% 54.95%<br />
S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-30762367129889237402013-05-17T09:40:00.003-07:002013-05-17T09:40:58.042-07:00CAT WHO SWALLOWED THE CANARY<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsMk8VjmC0QqbnvEWZINLkmeMqLSSt7-QjCWKUgSy3zqpayzab8DO1B3UBWEh7nBggsfnDpbqx6givK7R12Bx3GgqjzK1QY80maL44oVd3-5OJw99iqh3dboKntDTB5D84NesCH6tWKR22/s1600/Cat+Who+Swallowed+the+Canary.JPG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsMk8VjmC0QqbnvEWZINLkmeMqLSSt7-QjCWKUgSy3zqpayzab8DO1B3UBWEh7nBggsfnDpbqx6givK7R12Bx3GgqjzK1QY80maL44oVd3-5OJw99iqh3dboKntDTB5D84NesCH6tWKR22/s1600/Cat+Who+Swallowed+the+Canary.JPG.jpg" height="640" width="494" /></a></div>
<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-43960864017621820982013-05-08T08:14:00.002-07:002013-05-08T08:14:37.759-07:00How Mortgage Rates are Set By Idriss BouhmouchHow mortgage rates are set<br />AdviceMay 7, 2013<br />By Idriss Bouhmouch<br />
<br />It’s easy to say that mortgage rates are “affected by economic factors,” or more specifically “bond yields” or “the Bank of Canada”, but are you really getting an understanding with those answers? If so, you may understand economics better than most Canadians. But if the responses above present more questions than answers, we will try our best to break it down for you here.<br />First off, there are two types of mortgage rates: variable and fixed. Both are indeed driven by similar economic factors, but they are affected by different factors too.<br />Variable mortgage rates, as they sound, vary and fluctuate with what is known as the prime lending rate. This rate is set by the Bank of Canada based on its interpretation of the state of the economy and inflation targets. When the prime rate goes up, variable mortgage rates go up, and vice versa. This is why variable mortgage holders take on a bit more risk over the term of their mortgage and should watch the Bank of Canada announcements.<br />Fixed mortgage rates, where the interest rate is fixed over the course of the mortgage term, are a little more complicated – they shadow Government of Canada bond yields of the same term. In fact, there is a very positive correlation between the two.<br />Bond yields are determined by the price of bonds and have an inverse relationship with them. For example, if a five-year bond falls in price, this means the yield (return for investors) goes up. Similarly, if the price increases, the yield falls.<br />Bonds are like safe havens for investors: they offer guaranteed repayment on funds the investor loans to the issuer (in this case, the government) after the term of the bond has passed (plus a set rate of interest known as the coupon). When the economy is booming and the market is good, big returns can be had by investing in alternatives, and bond prices tend to fall so bond yields rise. When the market is bad, demand for safe money increases, so bond prices rise and yields fall.<br />Meanwhile, mortgages are funded through capital issues and often the bond market. The interest rate on a mortgage depends on the yield (return) the bank provides bond investors. When investors demand a higher yield, mortgages must also be issued at a higher fixed interest rate that is in line with the cost to the bank. The cost of borrowing for the bank to fund mortgages is essentially the percentage yield paid to investors of the bond.<br />The second factor influencing fixed mortgage rates will be the spread required by financial institutions, on top of the bond yields. Three main components influence this spread: the cost of trades and transactions of the loan, a risk premium (in the case of default payment) and finally the profit margin that the financial institution desires.<br />We could summarize that for the duration of a loan, fixed mortgage rates are determined on the following basis: cost of capital + administration costs and/or mortgage negotiations + risk premium (in the risk of the borrower defaulting on the mortgage) + the bank’s desired profit = cost of the mortgage for the borrower.<br />In short, if you are trying to predict where fixed mortgage rates are headed, look to the bond market.<br />Overwhelmed?<br />This is a lot to take in, and it may not all make sense right away. But the introduction of these concepts hopefully provides a little more insight and trust in the mortgage process. As with all financial transactions, mortgages are driven by supply and demand, and underlying economic factors.<br />Idriss Bouhmouch is director of operations in Quebec for Ratehub.ca, a mortgage rate comparison website. The company says mortgage information should be presented in a transparent, easy-to-understand, and complete manner. S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-26909187816078253662013-05-06T09:26:00.000-07:002013-05-06T09:26:13.153-07:00SINGLE FAMILY PRICES REACH A NEW HIGH CALGARY REGIONAL HOUSING MARKET STATISTICS4.13 <br />SINGLE FAMILY PRICES REACH A NEW HIGH <br />
<br />Sellers' market conditions push up prices across all categories<br />
CREB<br />
<br />Calgary, May 1, 2013 –The benchmark price of single- <br />family homes reached a new high of $452,900 in April, as <br />market conditions that favour the seller finally drove prices <br />above the unadjusted peak in 2007. <br />
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“It’s really encouraging to see that the Calgary market <br />remains strong,” said Becky Walters, CREB® President. “It’s <br />reassuring to both buyers and sellers to see that this area <br />is outperforming many parts of the country.” <br />
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Single-family sales totaled 1,611 in April, nearly two per cent <br />higher than the previous year, but year-to-date figures are <br />similar to levels recorded in 2012. Sales growth in the first <br />part of the year was stifled by a shortage of new listings <br />and inventory. However, the year-over-year increase in <br />new listings of 5.4 per cent helped support sales growth in <br />April. <br />
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“Declining selection in the lower price range and market <br />conditions that favour the seller in the overall single-family <br />market has resulted in a boost in demand in the <br />condominium market and surrounding towns,” said CREB® <br />Chief Economist Ann-Marie Lurie. “Inventory levels <br />declined across all of these segments. However, <br />surrounding towns remain in balanced territory, as they <br />experienced the effect of previously elevated inventory <br />levels.” <br />
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After the first four months of the year, condominium <br />apartment sales totalled 1,259 units, an 11 per cent increase <br />over the previous year. Sales growth outpaced the <br />number of new listings, causing inventory levels to decline <br />to 871 units. This pushed the market into sellers’ territory.S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-12749075651832364042013-05-01T13:37:00.002-07:002013-05-01T13:37:09.127-07:00CREB Residential Stats - April 2013<a href="http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013_April.pdf">http://www.creb.com/public/documents/statistics/2013/package/res-stats-2013_April.pdf</a>S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-56080243969881634792013-05-01T08:54:00.001-07:002013-05-01T08:54:33.757-07:002013 REAL Trends Canadian 250 Ranking by Transaction Ends2013 REAL Trends Canadian 250 Ranking by Transaction Ends<br />
<br />
Check out #17<br />
<br />RANK Company City Province<br />
<br />1 Sutton Group - West Coast Realty Vancouver BC<br />2 RE/MAX Realtron Realty Inc. Markham ON<br />3 Royal LePage Real Estate Services Ltd. Toronto ON<br />4 RE/MAX Real Estate Edmonton AB<br />5 Royal LePage Your Community Realty Richmond Hill ON<br />6 Right At Home Realty Inc. Brokerage Toronto ON<br />7 RE/MAX Twin City Realty Inc. Kitchener ON<br />8 RE/MAX Real Estate Centre Inc. Cambridge ON<br />9 Royal LePage Team Realty & Royal LePage Gale Real Estate Ottawa ON<br />10 Royal LePage ProAlliance Realty, Brokerage Belleville ON<br />11 RE/MAX Escarpment Realty Inc. Hamilton ON<br />12 RE/MAX Hallmark Realty Ltd. Toronto ON<br />13 Royal Pacific Realty Group Vancouver BC<br />14 RE/MAX Metro Realty Vancouver BC<br />15 RE/MAX Crest Realty North Vancouver BC<br />16 Royal LePage Niagara Real Estate Centre / Four Seasons Real Estate Centre St. Catharines ON<br /><u>17 CIR Realty Calgary AB</u><br />18 RE/MAX Real Estate (Central) Calgary AB<br />19 RE/MAX Saskatoon Saskatoon SK<br />20 Royal LePage Performance Realty Ottawa ON<br />21 Royal LePage RCR Realty & Royal LePage York North Realty Orangeville ON<br />22 RE/MAX Realty Specialists Inc. Mississauga ON<br />23 Royal LePage Atlantic - NS Halifax NS<br />24 Keller Williams Ottawa Realty Ottawa ON<br />25 Royal LePage State Realty Stoney Creek ON<br />26 RE/MAX 2000 Realty Surrey BC<br />27 Macdonald Realty Ltd. Vancouver BC<br />28 RE/MAX House of Real Estate Calgary AB<br />29 RE/MAX Royal (Jordan) Inc. Beaconsfield QC<br />30 RE/MAX Metro-City Realty Ltd. Ottawa ON<br />31 Royal LePage Foothills Calgary AB<br />32 Homelife Landmark Realty Inc. Markham ON<br />33 RE/MAX West Realty Inc. Toronto ON<br />34 RE/MAX Du Cartier Inc. Montreal QC<br />35 RE/MAX Preferred Realty Ltd. Windsor ON<br />36 Coldwell Banker Terrequity Realty, Brokerage Toronto ON<br />37 RE/MAX Garden City Realty Inc. St. Catharines ON<br />38 RE/MAX Alliance Inc. Montreal QC<br />39 RE/MAX 1er Choix Inc. Québec QC<br />40 Royal LePage Triland Realty London ON<br />41 RE/MAX Nyda Realty Chilliwack BC<br />42 RE/MAX Select Properties Vancouver BC<br />43 Royal LePage Noralta Real Estate Inc. Edmonton AB<br />44 RE/MAX Performance Realty Winnipeg MB<br />45 Prudential Sussex Realty North Vancouver BC<br />46 RE/MAX Camosun Victoria BC<br />47 RE/MAX Realty Professionals Calgary AB<br />48 RE/MAX Platine Brossard QC<br />49 RE/MAX Professionals Winnipeg MB<br />50 RE/MAX Real Estate (Mountain View) Calgary AB<br />51 RE/MAX Chay Realty Inc. Barrie ON<br />52 RE/MAX Executives Realty Winnipeg MB<br />53 RE/MAX Crown Real Estate Regina SK<br />54 RE/MAX Des Mille-Iles Inc. Terrebonne QC<br />55 RE/MAX Elite Edmonton AB<br />56 CENTURY 21 Dome Realty Inc. Regina SK<br />57 RE/MAX Accès Ste-Foy QC<br />58 RE/MAX Premier Inc. Vaughan ON<br />59 RE/MAX T.M.S. Y.D., Real Estate Agency Sainte Thérèse QC<br />60 RE/MAX Kelowna Kelowna BC<br />61 RE/MAX 2000 Inc. Laval-Des-Rapides QC<br />62 RE/MAX D'Abord Inc. Sherbrooke QC<br />63 Better Homes And Gardens Real Estate Signature Service Mississauga ON<br />64 RE/MAX Aboutowne Realty Corp Oakville ON<br />65 RE/MAX Signature Inc. Boucherville QC<br />66 Pemberton Holmes Ltd. Victoria BC<br />67 Royal LePage Dynamic Real Estate Winnipeg MB<br />68 RE/MAX Crown Realty (1989) Inc. Sudbury ON<br />69 RE/MAX de Francheville Inc. Trois Rivières QC<br />70 RE/MAX Vision (1990) Inc. Gatineau QC<br />71 RE/MAX Realty Services Inc. Brampton ON<br />72 RE/MAX 2000 Realty Inc. Toronto ON<br />73 CENTURY 21 B.J. Roth Realty Ltd. Barrie ON<br />74 RE/MAX Landan Real Estate Calgary AB<br />75 RE/MAX Grande Prairie Grande Prairie AB<br />76 CENTURY 21 First Canadian Corp. London ON<br />77 RE/MAX Eastern Realty Inc. Peterborough ON<br />78 RE/MAX Rouge River Realty Ltd. Toronto ON<br />79 RE/MAX River City Edmonton AB<br />80 RE/MAX Advantage Sherwood Park AB<br />81 RE/MAX Little Oak Realty Abbotsford BC<br />82 CENTURY 21 Fusion Saskatoon SK<br />83 Realty Executives Polaris Edmonton AB<br />84 RE/MAX Centre City Realty Inc. London ON<br />85 RLK Realty Ltd. O/A Royal LePage Kelowna Kelowna BC<br />85 RE/MAX 2001 Inc. Laval QC<br />87 Royal LePage Meadowtowne Realty Mississauga ON<br />88 Sutton Group - Select Realty Inc. London ON<br />89 RE/MAX of Nanaimo Nanaimo BC<br />90 RE/MAX Avantages Inc. Charny QC<br />91 RE/MAX Crossroads Realty Inc. Toronto ON<br />92 RE/MAX First Calgary AB<br />93 RE/MAX Professionnel Inc. Granby QC<br />94 RE/MAX Action Realty (1991) Inc. Fort St. John BC<br />95 RE/MAX All-Stars Realty Inc. Markham ON<br />96 Royal LePage Coronation West Realty Coquitlam BC<br />97 RE/MAX Professionals Inc. Toronto ON<br />98 Keller Williams Energy Real Estate Whitby ON<br />99 Coldwell Banker Case Realty, Brokerage Toronto ON<br />100 RE/MAX Imagine Inc. Longueuil QC<br />101 CENTURY 21 Bamber Realty Ltd. Calgary AB<br />102 CENTURY 21 People's Choice Realty Toronto ON<br />103 RE/MAX Référence 2000 Québec QC<br />104 RE/MAX First Realty Ltd. Pickering ON<br />105 RE/MAX Jazz Inc. Oshawa ON<br />106 RE/MAX Real Estate St. Albert AB<br />107 RE/MAX Real Estate Central Alberta Red Deer AB<br />108 RE/MAX Fortin Delage Inc. Ste-Foy QC<br />109 RE/MAX Excellence Edmonton AB<br />110 RE/MAX Ultimate Realty Inc. Toronto ON<br />111 RE/MAX Condos Plus Corporation Toronto ON<br />112 Royal LePage Wolstencroft Realty Langley BC<br />113 RE/MAX Performance Realty Inc. Mississauga ON<br />114 Royal LePage Solutions Calgary AB<br />114 RE/MAX Avant Tout Inc. Rimouski QC<br />116 RE/MAX Realty Concepts Corp. Kingston ON<br />117 RE/MAX Vernon Vernon BC<br />118 RE/MAX Quinte Ltd. Belleville ON<br />119 RE/MAX Capitale Québec QC<br />120 Maxwell Canyon Creek Calgary AB<br />121 Coldwell Banker Horizon Realty Kelowna BC<br />122 RE/MAX Centre City Realty Prince George BC<br />123 Royal LePage Coast Capital Realty Victoria BC<br />124 EXIT Realty Advantage Fredericton NB<br />125 RE/MAX Ability Real Estate Ltd. Courtice ON<br />126 EXIT Realty Metro Halifax NS<br />127 EXIT Realty on the Rock St. John's NL<br />128 RE/MAX Lifestyles Realty Maple Ridge BC<br />129 RE/MAX Nova Halifax NS<br />130 RE/MAX Sarnia Realty Inc. Sarnia ON<br />131 Keller Williams Realty Bedford NS<br />132 RE/MAX Realty Specialists Ltd. St. John's NF<br />133 Coldwell Banker Sarazen Realty, Brokerage Ottawa ON<br />134 RE/MAX Professionals Saint John Inc. Saint John NB<br />135 Keller Williams Advantage Realty Toronto ON<br />136 RE/MAX Ocean Pacific Realty Comox BC<br />137 EXIT Realty Associates Moncton NB<br />138 RE/MAX Colonial Pacific Realty White Rock BC<br />139 RE/MAX Vision Realty Inc. Toronto ON<br />140 RE/MAX Solid Gold Realty (II) Ltd. Waterloo ON<br />141 RE/MAX Real Estate Services Vancouver BC<br />142 Royal LePage Coronation Park Surrey BC<br />143 Royal LePage True North Realty Fort McMurray AB<br />144 Sutton Group - Quantum Realty Inc. Mississauga ON<br />145 RE/MAX North Country Realty Inc. Huntsville ON<br />146 RE/MAX Fort McMurray Fort McMurray AB<br />147 RE/MAX Realty One Inc. Mississauga ON<br />148 RE/MAX Realty Enterprises Inc. Mississauga ON<br />149 RE/MAX United Inc. Mount Pearl NF<br />150 RE/MAX Group Four Realty Ltd. Fredericton NB<br />151 RE/MAX Real Estate Centre Edmonton AB<br />152 RE/MAX Niagara Realty Ltd. Niagara Falls ON<br />153 RE/MAX Real Estate-Lethbridge Lethbridge AB<br />154 RE/MAX Legacy Realty Inc. Mississauga ON<br />155 RE/MAX All Points Realty Group Coquitlam BC<br />156 Royal LePage Grand Valley Realty Cambridge ON<br />157 RE/MAX Du Haut Richelieu Inc. St. Jean QC<br />158 RE/MAX Performance Inc. Saint-Lambert QC<br />159 Keller Williams VIP Realty Ottawa ON<br />160 Realty Executives Challenge Edmonton AB<br />161 Coldwell Banker R.M.R. Real Estate, Brokerage Oshawa ON<br />162 RE/MAX Harmonie Inc. Montreal QC<br />163 Coldwell Banker Peter Benninger Realty, Brokerage Kitchener ON<br />164 Keller Williams Golden Triangle Realty Kitchener ON<br />165 RE/MAX Georgian Bay Realty Ltd. Midland ON<br />166 RE/MAX Associates Winnipeg MB<br />167 RE/MAX Pembroke Realty Ltd. Pembroke ON<br />168 RE/MAX iRealty Innovations Canmore AB<br />169 Keller Williams Elite Realty Port Coquitlam BC<br />170 RE/MAX Affiliates Realty Ltd. Ottawa ON<br />171 Coldwell Banker First Ottawa Realty, Brokerage Ottawa ON<br />172 Coldwell Banker Preferred Real Estate Winnipeg MB<br />173 Coldwell Banker Momentum Realty, Brokerage St. Catharines ON<br />174 Royal LePage In The Comox Valley Courtenay BC<br />175 Sutton Group - Central Realty Inc. Brampton ON<br />176 Royal LePage Estate Realty Toronto ON<br />177 RE/MAX Grey Bruce Realty Inc. Owen Sound ON<br />178 Coldwell Banker Parker Realty Charlottetown PE<br />179 RE/MAX Immo-Contact P.F. Inc. Duvernay Laval QC<br />180 Keller Williams Realty Toronto ON<br />181 RE/MAX Performance Realty Delta BC<br />182 RE/MAX De L'Avenir Inc. St. Jerome QC<br />183 Coldwell Banker Pinnacle Real Estate, Brokerage Hamilton ON<br />184 RE/MAX Accord Edmonton AB<br />185 RE/MAX First Choice Realty Ltd. Thunder Bay ON<br />186 RE/MAX A-B Realty Ltd. Stratford ON<br />186 Coldwell Banker Neumann Real Estate, Brokerage Guelph ON<br />188 RE/MAX Cité Inc. Montreal QC<br />189 RE/MAX Advantage Realty Ltd. London ON<br />190 RE/MAX Plus Inc. Chambly QC<br />191 RE/MAX Bois Francs Inc. Victoriaville QC<br />192 RE/MAX of Lloydminster Lloydminster AB<br />193 RE/MAX Direct Inc. Aylmer QC<br />194 RE/MAX Active Realty Inc. Mississauga ON<br />195 RE/MAX Banner Real Estate Middleton NS<br />196 RE/MAX Quality Real Estate Inc. Moncton NB<br />197 RE/MAX Drummondville Inc. Drummondville QC<br />198 Coldwell Banker Coburn Realty, Brokerage Ottawa ON<br />199 RE/MAX Privilège Inc. Saint Hubert QC<br />200 RE/MAX Advantage Realty New Westminster BC<br />200 RE/MAX Land Exchange Ltd. Wingham ON<br />202 Keller Williams Realty Centres Newmarket ON<br />203 Coldwell Banker Westburn Realty Burnaby BC<br />204 RE/MAX Legend Real Estate Inc. North Bay ON<br />205 RE/MAX Lanaudiere Inc. St-Charles Borromee QC<br />206 RE/MAX Défi (1996) Valleyfield QC<br />207 Keller Williams Solid Rock Realty Ottawa ON<br />208 RE/MAX Omega Realty (1988) Ltd. Newmarket ON<br />209 RE/MAX Extra Inc. Beloeil QC<br />210 RE/MAX Laurentides Inc. St-Sauveur QC<br />211 Coldwell Banker The Real Estate Centre, Brokerage Vaughan ON<br />212 RE/MAX Orillia Realty (1996) Ltd. Orillia ON<br />213 RE/MAX East Coast Realty Ltd. Conception Bay South NF<br />214 RE/MAX Blue Chip Realty Yorkton SK<br />215 RE/MAX Action (1992) Inc. Lasalle QC<br />216 EXIT Realty Specialists Saint John NB<br />217 RE/MAX 3000 Inc. Montreal QC<br />218 Harvey Kalles Real Estate Ltd. Toronto ON<br />219 Coldwell Banker Fort McMurray Fort McMurray AB<br />220 Tradewinds Realty Inc. Chester NS<br />221 Coldwell Banker ONTRACK Realty Red Deer AB<br />222 RE/MAX Welland Realty Ltd. Welland ON<br />223 RE/MAX Actif Inc. Saint-Bruno-de-Montarville QC<br />224 RE/MAX Real Estate Spruce Grove AB<br />225 Keller Williams Realty South Calgary AB<br />225 RE/MAX Sault Ste. Marie Realty Inc. Sault Ste. Marie ON<br />227 CENTURY 21 Professional Group Inc. Brantford ON<br />227 RE/MAX Progroup Realty Delta BC<br />229 Royal LePage Binder Real Esate Windsor ON<br />230 Coldwell Banker Charles Marsh Real Estate, Brokerage Sudbury ON<br />231 EXIT Realty Fusion Regina SK<br />232 RE/MAX Lakeshore Realty Inc. Cobourg ON<br />233 RE/MAX Advantage (Whitecourt) Whitecourt AB<br />234 RE/MAX Coast Mountains Terrace BC<br />235 Realty Executives Leading Spruce Grove AB<br />236 RE/MAX Unis Inc. Repentigny QC<br />237 RE/MAX of The Battlefords North Battleford SK<br />238 RE/MAX Futur Inc. Châteauguay QC<br />239 Coldwell Banker All Points-Festival City Realty, Brokerage Stratford ON<br />240 RE/MAX Park Place Inc. Sydney NS<br />241 RE/MAX Rocky View Real Estate Airdrie AB<br />242 RE/MAX Excellence Inc. Anjou QC<br />243 CENTURY 21 In Town Realty Vancouver BC<br />243 EXIT Realty Matrix Orleans ON<br />245 RE/MAX V.R.P. Inc. Saint Eustache QC<br />246 RE/MAX Williams Lake Realty Williams Lake BC<br />247 Coldwell Banker Redwood Realty Whitehorse YT<br />248 Realty Executives Progressive Edmonton AB<br />249 CENTURY 21 Executives Realty Vernon BC<br />250 RE/MAX Goldenway Realty Inc. Toronto ON<br />S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0tag:blogger.com,1999:blog-7482116597165877099.post-5440978357147822832013-04-30T08:34:00.002-07:002013-04-30T08:34:20.469-07:00Calgary Listed as One of the Most Affordable MarketsCalgary Listed as One of the Most Affordable Markets<br />A Housing Trends and Affordability report from RBC Economics stated "A stronger economy and accelerating population growth played key roles in this renaissance. Attractive housing affordability, however, also contributed. Calgary home buyers enjoyed significantly lower ownership costs as a share of their income that they faced at the market peak in early 2007, and the bar fell further in 2012."<br />
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What are your thoughts?S.E. (Sandra) Duncan BA, MBA, REALTOR®, CCShttp://www.blogger.com/profile/05829827986883673454noreply@blogger.com0