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Winnipeg Home Buying News & Tips

Article Hub of Home Buying Information.  Tips, advice and news for Winnipeg house and condo buyers.

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Be patient while looking for deals with best mortgage rates

Be patient while looking for deals with best mortgage rates

Best Mortgage Rates: Carefully examine the entire deal

.mortgage broker

Mоrtgаging iѕ kind оf likе a соllесtivizеd lоаn thаt can аffесt уоu and уоur fаmilу fоr a long timе if it iѕ nоt worked оut рrореrlу. Pеорlе gеnеrаllу fall for dесерtivе аdvеrtiѕеmеntѕ bоаѕting about best mоrtgаgе rаtеѕ, so уоu nееd to bе cautious.

Many реорlе who have fаllеn intо thе trар оf соmраniеѕ оffеring thе bеѕt mоrtgаgе rates hаvе еxреriеnсеd рrоblеmѕ dоwn the rоаd. It iѕ very imроrtаnt tо gо thrоugh each аnd еvеrу piece of thе mortgage deal that you аrе mаking. Dо not gеt саrriеd аwау by those dесерtivе аdvеrtiѕеmеntѕ thаt wоuld mаkе уоur lifе a disaster. A small mistake, or one wrоng ѕignаturе, and уоu соuld еnd uр рауing inѕtаllmеntѕ fоr your mоrtgаgеd рrореrtу for thе rest оf your life.

A thоrоugh ѕtudу оf the еntirе plan, аnd аll its terms and соnditiоnѕ, iѕ nесеѕѕаrу if уоu wаnt tо go fоr a ѕаfе mоrtgаgе plan with thе bеѕt mоrtgаgе rаtеѕ. Buying a home iѕ the biggest investment that you will mаkе in уоur life, and уоu wоuld nоt wаnt anyone tо fiddle аrоund with it. Mortgaging iѕ an орtiоn for реорlе whо саnnоt аffоrd tо рау еntirе аmоunt in a ѕinglе gо, and thus they look fоr deals with mоrtgаgе rаtеѕ ѕuitаblе for their pockets.

Alwауѕ try to undеrѕtаnd the роwеr оf credit limitѕ thаt you can impose on уоurѕеlf. Thеrе hаvе been mаnу еxаmрlеѕ frоm the market where реорlе hаvе асtuаllу gоttеn dеаlѕ with grеаt mortgage rаtеѕ, but due to thеir nеgligеnсе аnd insufficient funds, thеу hаvе сrеаtеd traps fоr thеmѕеlvеѕ and fаllеn in.

If уоur rеlаtiоnѕ with your bаnk are gооd, thеn they would аlѕо offer you ѕоmе intеrеѕting dеаlѕ with a gооd mortgage rate. If you are оnе оf their рrivilеgеd сliеntѕ, thеn уоu might bе еntitlеd for ѕресiаl discounts on mоrtgаgе rаtеѕ. If you go intо уоur loan ѕеаrсh with a high credit score аnd a clean credit rесоrd, уоu would аlѕо hаvе better bаrgаining роwеr.

If уоu have ѕtаinѕ оn уоur record, уоu ѕhоuld trу tо gеt them сlеаnеd up before going into nеgоtiаtiоnѕ. If уоu саn afford tо, hirе a finаnсiаl advisor whо саn help уоu out with thе dеаl, mаking thе bеѕt роѕѕiblе nеgоtiаtiоn for уоu with the mortgaging соmраnу, сrеdit uniоn, Investment Cоmраnу оr bаnkѕ with whiсh you are dеаling. Each реrѕоn ѕhоuld play carefully in thе mоrtgаging buѕinеѕѕ, еvеn if hе iѕ gеtting the best mоrtgаgе rаtеѕ fоr his dеаl.

Alwауѕ prefer fixеd mоrtgаgе rаtеѕ for уоur deals. Thiѕ will bе beneficial аnd score grеаt mortgage rаtеѕ with nо rеgrеtѕ. Intеrеѕt rаtеѕ саn bounce аrоund, but if уоur dеаl hаѕ a fixеd rаtеѕ, thеn it is оnе less thing fоr уоu tо worry about. Prосееd in your dеаl with sound mind аnd аlеrt eyes аnd nоthing will go wrоng.

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Preparation before buying and moving into a larger home

Preparation before buying and moving into a larger home

Preparing for your move to a larger home

.

photocredit to Chechi Pe photostream on flickr
photocredit to Chechi Pe photostream on flickr

If you have been living at a rented apartment or a small house, moving to a large home may seem to be a completely new kind of experience. So, you may have to start planning for this. In fact, the day when you will have to move is going to be the most busy and occupied day for you. You need to have every other detail at your fingertips otherwise the situation can turn worse. May it be a large home or small, it is important for you to be aware of what you need and how you want your home to look like. Just as it is important for you to use a home mortgage calculator while buying a home, it also is important for you to consider various other things while moving into your new home.

Moving to a larger home

It is not only about the day you are going to move into your new larger home. You will have to consider the days ensuing your ‘move in’ too. However, some of the most important things you need to do if you are moving up to a large home are:

  • Note down the details while taking a tour of the home – In order to avoid mistakes it would be important for you to note down all of the possible details, while you will be touring the home. This would help you in planning your move in the right way.
  • Make a mental picture of how you are going to set things up – It would be better to make a mental picture of how you would like to set up your things. Based on that, you can start jotting down a proper plan.
  • Determine the items you will be taking along with you – Determine which are the items you are going to take along with you while moving. There must be numerous such items which won’t be of much use. So, it would be better to do away with these. If you can sell those off, you may be able to make some extra money. This money can come in handy in case of emergencies, while on the move.
  • Decide if you would need to buy a few essentials before moving – Decide if you would at all be required to buy a few items, as you are moving into a new home.
  • Try to have lots of supplies to make things easier – Make sure that you have lots of supplies and boxes, before the actual day arrives. Boxes are going to make it easy for you to move the required items into the new home.
  • Get help of professionals if you are unable to decide on certain things – It is better to get help of professional movers and packers. This is going to ease up the situation. This also ensures that none of your things are either broken or lost.
  • Write details of the items contained within (on the boxes) – To make things easier for you, it would be wiser of you to write down the details of what the boxes contain. Do this on the upper side of the box. This is going to help while you will be unpacking.
  • Start unpacking in a planned way while moving into the new home – After you move into the new larger home, start unpacking but do that in a planned way yet again. Examine what is to be unpacked and divide the task among your family.
  • Try getting prior access to the home for making it pest free – It is better to make sure that the home is pest free. So, request the lender or the person in charge for prior access.
  • Get people to clean up the large home before moving into it – As it is a large home, it would be better to get help of people in order to clean it up.

So, these are the 10 most important things which you need to do if you are moving to a new and larger home.

This article has been contributed by Sam Stokdale, a financial writer specializing in mortgage. Immersing himself with the financial sector, he has covered topics including real estate investment, mortgage refinancing, lending and borrowing, managing finances and credit advice.

 And when you’re ready to make a move to a larger, luxury home, call Bo Kauffmann of Re/Max Performance….  (204) 333-2202

 

 

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Tips for first time home buyers

Tips for first time home buyers

Tips for buying your first house or condo

.First time home buying tips

When searching to purchase your first home, it’s difficult to know what you really should be looking for. First time homeowners have an abundance of questions that they need to have answered before they can take the leap into the #realestate purchasing pool. Here are some tips for making that leap easier.

Be patient

The first, and maybe the most important tip, is to be patient. Buying a home is not something a first time homebuyer should rush into. You want to ensure that the home has all of your requirements and amenities that you desire. You are going to see a large amount of different homes, some in which you will love but are out of your budget, and some that you just could not stand to see yourself living in. A home is a huge investment, one that is going to require you to live in for many years to make it worth the purchase, so finding one that you truly can see yourself living in is going to benefit you greatly.

Find a REALTOR® you can trust

Another tip is to find a realtor that you trust. Your realtor should be willing to tell you up front when a house has an issue with it, and should also guide you on homes that are within your budget while keeping your necessities in mind. A realtor is your guide to all of the homes in the area you’re looking in, and they have all of the inside scoop. They will also handle the price of a home and can negotiate for you, doing all of the tedious work.

Check your finances

Look at the big picture. You don’t want to get yourself into a financial bind when you purchase a home, so be sure that you can make the down payment, all of the fees associated with the home, monthly payments, and the costs of owning a home. It is suggested that buyers spend no more than 28% of their income on housing costs.  Purchasing a home is a financial and time committal situation. As a first time homeowner, you will want to ensure you can afford to buy a home with your current budget, while keeping in mind all of the costs associated with buying real estate. Having a realtor that you trust will help you find the home of your dreams while keeping it in your budget. Being patient is key in making sure you don’t buy out of budget or buy the home you do not want. First time homeowners should be confident in their real estate purchase.

 

About the Author

Coldwell Banker Mountain Property is pleased to bring you this article on tips for first time homebuyers. Coldwell Mountain Property deals with primarily Winter Park Colorado Real Estate, and Grand County Real Estate. If you are interested in learning more, check out their website today.

 

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Top 5 things home buyers look for when buying a house (Survey)

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Which top 5 features do YOU want in your next house?

.John Lucas House

What are the top features home buyers look for?  What do YOU want in your first or next house?  This is a self-adjusting, updating list of things home-buyers want in their next house.  Some buyers focus on a nice kitchen, updated bathrooms, modern windows and furnaces, while others are more focused on the location, style or bedroom sizes.  What do YOU need in your next home?  You can help shape the results of this article by voting for your favorite 3 or 4 “must-have” items.

How this list works

Please select the 5 most important things YOU would look for when buying a house.  Only 5!  

Here are 11 of the most common options and features.  Please select your favorite 5.  Over time, as other people add their top 5 choices, the list will adjust and the most-wanted items will rise to the top.

Want to add your own feature?

Sure thing:  Just click the “Add Item”  and fill in the spots….  I will moderate, and once added to the list, other people can vote on your addition.  Let’s have some fun.

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[listly id=”3ic” theme=”light” layout=”full” numbered=”yes” image=”yes” items=”all”]

 

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Home Buyer interview with Remax Agent Bo Kauffmann

Home Buyer interview with Remax Agent Bo Kauffmann

Home-Buyer Interview with Real Estate Agent Bo Kauffmann

.Home Buyer interview with Remax Agent Bo Kauffmann

When I start working with a new buyer, whether its a home-buyer or condo-buyer, I like to start the process with a personal meeting, during which we discuss a number of topics relating to the real estate buying process in Winnipeg.

We start by taking a look at what type of home the buyer is looking for.  We narrow the search down to specifics, such as

Price Range

Location in Winnipeg

House or Condo

Number of Bedrooms

 

From this, we next discuss a number of items which directly relate to YOUR needs.  Starting with:

How to read the MLS listings which you will receive

You will be receiving all of the latest listings, which will be full of abbreviations and real estate terminologies.  We take a look at the listings and I will explain what it all means, and how to read the information.

Whats the state of the local real estate market?

It’s nice to know that Winnipeg is a hot market!  Nice….but not sufficient.  We need to take a look at YOUR specific market.  For example, if you’re buying a condo, your ‘market’ will be different than someone who is buying a house, and different from someone buying a luxury condo, and so on.

Closing Costs

I will explain some of the major costs involved in buying a house or condo.  Things such as the dreaded Land Titles Transfer Tax, legal costs, home insurance cost, and moving fees.

Importance of being pre-approved

Most buyers know that they need to be pre-approved.  But there is actually more to it than that: being pre-approved by the RIGHT lender is very important.  Let’s make sure you’re ready to go, when we find you a great home.

How to write a winning offer

It’s a very competitive market.  But there are ways to win these ‘bidding wars’.  Or, if your finances aren’t the greatest, there are ways to AVOID the bidding wars in the first place.

Importance of Deposit Cheques

Why do we need to put a deposit down when we buy a home?  Is it safe, or could you lose it?  We discuss all of these options and possibilities.

If you are looking to buy a house or a condo in Winnipeg, please call me anytime direct at (204) 333-2202  or email me a [email protected]


 

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