Latest Posts Winnipeg Home Buying News & Tips

Be patient while looking for deals with best mortgage rates

Best Mortgage Rates: Carefully examine the entire deal

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.

Preparation before buying and moving into a larger home

About the Publisher

Bo Kauffmann is a residential real estate agent with over 18 yrs experience in helping buyers and sellers achieve their goals. Inducted into the REMAX Hall of Fame in 2010 and receiving the REMAX Lifetime Achievement Award in 2019, Bo has sold over 500 houses and condos in the Greater Winnipeg market. He is an accredited buyer representative (A.B.R.) and a Luxury Home Marketing Specialist. Bo provides exceptional service to First-Time Home-Buyers, Seniors looking to downsize and Home Sellers of all ages. He can be reached easily By E-Mail or call/text him Call/Text Here

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Latest Posts Luxury Homes Winnipeg Home Buying News & Tips

Preparation before buying and moving into a larger home

Preparing for your move to a larger home

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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Latest Posts Winnipeg Home Buying News & Tips

Tips for first time home buyers

Tips for buying your first house or condo

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.

Home Buyer interview with Remax Agent Bo Kauffmann

https://blog.winnipeghomefinder.comNovember 8, 2012 8:53:46 AM CST

Home-Buyer Interview with Real Estate 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 […]

The post Home Buyer interview with Remax Agent Bo Kauffmann appeared first on Winnipeg’s Real Estate Blog published by Bo Kauffmann

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Latest Posts Winnipeg Home Buying News & Tips

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

Which top 5 features do YOU want in your next 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.

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

Houses for sale listed by Re/Max agents in Winnipeg

https://blog.winnipeghomefinder.comFebruary 22, 2013 8:22:46 AM CST

Active House Listings in Winnipeg, listed on MLS® by Re/Max agents . Re/Max is HUGE in Winnipeg, representing nearly 40% of all property buyers and/or sellers in our city. Being a Re/Max agent, allows me to display all active listings of house (and condos) in Winnipeg. This is an ‘active’ list, changing dynamically as new […]

The post Houses for sale listed by Re/Max agents in Winnipeg appeared first on Winnipeg’s Real Estate Blog.

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Winnipeg Houses listed by Re/Max Agents

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Getting Top Drawer Value for your Home

Getting top dollar for your home

This article was submitted by Daniel Watson, who is a journalism student at the University of Toronto

If you’re selling your home and want to get top drawer value for it, you need to create a dream home. Anyone who walks up needs to be in awe of its meticulousness before they even get through the door. There’s nothing worse than a house that needs a little work. Even if it’s true, you’re more likely to get top dollar for a completed home than one that looks like a project.

With companies like Kanetix making it easier for people to shop around for mortgage rates, and get pre-approved online, buying a home has never been easier. Everyone’s in search of the perfect home. You were once. Now you may have to spend a little getting the house in shape. On the other hand, there’s the idea that the better looking and condition of the house, the greater its value. So should you end up repainting or redoing tiles, that cost could ultimately be added to the final sale.

Not surprisingly, let’s start with the front. The first impression begins here. There has to be no doubt that this is a long cared for property by people that loved living here. Neaten everything until it looks like you scrubbed it with a toothbrush. Fresh paint, trimmed trees and shrubs and if necessary, new house numbers and mailbox. Have the best curtains on the windows. A little window and door renovation can go a long way.

If the home doesn’t need a fresh coat of paint, wash it down. Rent a power washer, or use a broom, dishwashing cleanser and hose. Put away the lawn ornaments. Not everyone loves leprechauns and swans. Make sure the grass is nothing short of perfection. Tuck any garbage cans away. No cracks in the ground. Barbeques should be clean, the yard furniture inviting and comfortable. Buyers should see your yard as a great place to spend the weekend.

Before showing the property, take note of what work to do. Review real estate listings and magazines. See what these homes have in common. Pay specific attention to the major areas. That’s the bathroom, the master bedroom and kitchen.

Shine furnishings and appliances. Minimise content on all the countertops. Clutter is clutter regardless of how much of it you need or how nice it looks. What you want is to avoid distractions that are going to take away from the property. The floors should be pristine. No pet dishes and litter boxes. Clean blinds, curtains and windows, as well as fan blades and shelves.

The kitchen is probably the most important room in the house. It’s the one that we put so much energy into with the best stoves, microwaves, refrigerators and accessories. Make sure anyone that sees it is wowed. Spit shine it all. Add a fresh backsplash or coat of paint.

While painting rooms that need it is required, repainting the entire house might be a good idea. Use a neutral, soft color, the same color, throughout. That actually makes the property look bigger. Avoid white. It can leave an impression that the house needs to be painted.

When it’s time to start showing the house, always have it aired out. Take a fabric softener sheet and stick it behind the air conditioning filter. Take advantage of the best possible lighting. Try showing the home during daylight hours. Sunlight produces a natural, appealing look. If you are showcasing in the evening, utilise energy efficient bulbs. They resemble natural lighting.

Before anyone buys your home, it will be inspected. If the property’s in the best condition, the inspector has to agree it’s worth every penny you ask. A broken handrail can impact their conclusions.

The best way to get the best dollar for your home is to create a dream home. People are observant. Your job will be ensuring everything they see is positive. If that requires hiring landscapers and handymen, do it. At the end of the journey, it’ll be worth it. The better the property’s appearance, the more the property’s worth.

Last, if you’re selling your home and want to get top drawer value for it, partner with a good real estate agent. Did you know, on average, a sale done through a real estate agent usually nets the seller 20 percent more than if they’d sold the house on their own? A solid agent will not only represent your best interests. They have the ability to reach an audience that will never see your ‘For Sale’ sign or local newspaper ad. You’ll never waste your time as these agents will see that only serious buyers ever come through the door. They have resources and networks that the rest of us don’t even know about.

Daniel Watson is a journalism student at the University of Toronto. He is passionate about real estate and plans to get his license upon graduating to learn about the ins and outs of the business. His true goal upon graduation is to educate the general public about real estate to help them along with the home buying and selling process.

Winnipeg Real Estate Market Update for January, 2013

blog.winnipeghomefinder.comJanuary 16, 2013 10:43:03 AM MST

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Easy Storage Solutions for your bathroom

Easy Storage Ideas for Your Bathroom

Clean up your bathroom with these simple storage tricks for organizing towels, toiletries and more. First, stretch the storage and function of your bathroom prep area by removing cabinet doors from your vanity and adding decorative bins. By doing this, you can add a laundry hamper, storage for extra toiletries and bath towels. Look beyond the vanity for storage and add wall-mounted shelves. Organize items in jars and bins to keep clutter under control. Save even more space by lifting your dental care items off the countertop. Stash them in wall-mounted containers. With a few clever tweaks, you can more storage from your bathroom and cut clutter in the tiny space.

Investment Condo: 4 things to look for when buying an investment condo

blog.winnipeghomefinder.comNovember 22, 2012 7:38:54 AM MST

Buyer Info,Condos,Latest Posts

Buyer Info,Condos,Latest Posts Buying an Investment Condo? 4 things to look for! . A friend of mine had called me some time ago, and asked me to give him a Market Evaluation on his investment property. Turns out he had purchased a small condo about a year ago, and had done so ‘privately’, without the […]

The post Investment Condo: 4 things to look for when buying an investment condo appeared first on Winnipeg’s Real Estate Blog.

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Home Buyer interview with Remax Agent Bo Kauffmann

Home-Buyer Interview with Real Estate 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]

Luxury Homes and Condos in Winnipeg listed by Re/Max

blog.winnipeghomefinder.com10/18/12

All Remax Luxury home and condo listings in one place Luxury houses and condos from $500000 to $5 million and more.

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Preparing your Winnipeg home for showings by real estate agents

Making sure your home shows it’s best

There is an old saying that goes: “Your home is never more exciting than the first couple of weeks on the market”. So when you put your home on the market (and I mean the REAL MARKET, by LISTING IT with a REALTOR®), make sure that your home shows it’s best. Because here is a bit of reality: About 80% of your total showings are going to happen in the first 5 days…… Here is why:

When you put your house on the market, there are any number of potential buyers who have been waiting for YOUR HOME. And they will rush in to see your home in the first few days, checking it out to see if it’s worth competing for. If the buyers find fault with your home, they simply move on to the next one and MAY NEVER RETURN.
So it’s very important to have your home as ‘show-worthy’ as possible. Here are a couple of simple tips to get you started:

1) Clean Clean Clean

Counters, bathrooms, carpets, lights, windows. Kitchen cupboards, sinks and the garage. Clean everything. Don’t leave buyers with a bad impression.

2) Declutter

Kitchen counters should be empty, except for perhaps those Tea-Sugar-Flour-Coffee canisters. Less furniture is better than too much. Box up everything you don’t need. You could designate a room in the basement as the ‘junk room’ and move extra stuff into there.

3) Paint

If there are any areas where the paint is fading or flaking, paint it. Stay away from the wild colors and stick to earthy, neutral tones. That “Bright Red” kitchen wall looks funky in a magazine, but is not everyone’s cup of tea.

4) Be out of the house (or condo)

During the showing, try to be out of the house. Many buyers feel uneasy about really looking at your house, opening cupboards and looking in closets, with the home owner standing over them. Even in this hot market, the home owners should make sure that the buyers feel comfortable and at ease.

5) Remove Pets

Not everyone loves pets….in fact, some people are allergic to them. So its best to remove them, and in fact try to remove all evidence of them. If you can have them stay at relatives for a few days, thats even better.

When you buy a home, it’s the visuals that count. To sell your home faster you may want to stage your furniture and belongings to help give your home more personality. Generally, a less cluttered space is more appealing when you’re selling a home.

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Buying a House

Best Mortgage Rates: Carefully examine the entire deal

Related articles

Check out our Podcast

Preparing for your move to a larger home

Moving to a larger home

Related articles

Check out our Podcast

Tips for buying your first house or condo

Be patient

Find a REALTOR® you can trust

Check your finances

Related Stories

Check out our Podcast

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

How this list works

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

Want to add your own feature?

Other Stories

Check out our Podcast

Getting top dollar for your home

Other Stories

Check out our Podcast

Easy Storage Ideas for Your Bathroom

Other Stories

Check out our Podcast

Home-Buyer Interview with Real Estate Agent Bo Kauffmann

Whats the state of the local real estate market?

Closing Costs

Importance of being pre-approved

How to write a winning offer

Importance of Deposit Cheques

Related Stories

Check out our Podcast

Making sure your home shows it’s best

1) Clean Clean Clean

2) Declutter

3) Paint

4) Be out of the house (or condo)

5) Remove Pets

Check out our Podcast

Delicious Recipes & Home Decor Tips