Life has a habit of throwing unexpected twists at us when we least expect them. While none of us should live our lives in a constant state of worry, it’s important to know that, should financial troubles from the loss of a job or other unexpected situations strike, you can count on the advice of your mortgage broker to see you through it.
Life changes involving illness, change of work status or change of marital status can affect your ability to make your mortgage payments, so if you anticipate a change in any of these things please call to discuss your payment options as soon as possible.
If you have to default on a payment, lenders can sometimes grant you temporary payment relief and give you options for a repayment plan, depending on the situation. Mortgagors with a good payment record can often work out a temporary agreement that will allow them to make reduced payments for a specified period of time.
Remember, lenders do not want you to default on your mortgage any more than you do. It is in everyone’s best interest for you to demonstrate good financial discipline when times are good, so you have the best chance of full cooperation from your lender if you ever run into difficulty.
Please call me if you anticipate needing a “Plan B” for your loan obligations!
Looking for a Great Apartment, In great location. Look No further. Large Kitchen with plenty of Storage. Newly Renovated Bathroom, Bedroom with Double closet and Open Concept Living Room. One Parking spot available in driveway. We Looking for Non-smokers, No pets and Mature Persons Only. $1100 inclusive.
Looking for a Investment Property? This is the house of 2’s. Two Incomes & Two Living Areas and 2 laundry Areas. Invest in this Custom Built 2 Family Home. Home is fully registered with the City of Oshawa.
The Main floor is currently rented at $1250 plus utilities.It features 3 Bedrooms, Large Windows, Open Concept Living Areas, Separate Dining Room, Large Bathroom with Sit Down shower and Oak Cabinets in the Kitchen.
The Tenant in the Lower Unit pays $750 plus utilities. This Unit is 1 Bedroom. It features above Grade windows, its own Separate Entrance and potential for 2 more Bedrooms.
Lots of Parking available (aprox 6 cars) and a detached Garage.
For More information Please Give us a Call 905-430-6655.
We found the best recipes for breakfast on Valentine’s Day
In case you haven’t noticed yet, Valentine’s Day falls on a Tuesday this year. Yuck, a Tuesday. If you are anything like me then going out for a nice dinner (or worse cooking one) after a long day at work sounds anything but romantic. That’s why this year I am flipping the script and focusing on kicking the day off with something sweet and what better way to do than with breakfast at my favorite place in the world…my home.
Last year, 11 Sweet Breakfast in Bed Ideas was one of our most popular posts in February so I decided to write a version 2.0. This year’s theme is all about Red Velvet and these recipes are sure to make breakfast on Valentine’s Day, or any other day for that matter, extra sweet. Enjoy!
Absolutely lovely. This 2 bedroom, 1 bath condo is an empty nester’s delight. Large and Bright Living Room with walk-out to balcony. Galley kitchen with Ceramic floors and Ceramic backsplash. Generous Sized Master bedroom with walk-in closet. Great Location close to Shopping and Public transit. Cheaper than paying Rent. Don’t Hesitate Call today!
How soon can you move? Enjoy a timeless design in this 3+1 bedroom, 2 bath home in a great neighborhood, close to schools, transit and 401. Large Eat-in Kitchen, Spacious Living Room and Hardwood Floors thru-out main floor. Basement is fully finished and has tons of potential for in-law suite. Lots of parking. To see it is to want it.
Despite its dated condition, the estate sale property, which sold on Monday for $1.1 million, attracted about 800 visitors over the course of three open houses — and 50 offers ahead of the designated offer presentation time.
It was a deliberate decision to price the 2,670-sq. ft. detached house near Dufferin Rd. and Steeles Ave. at an unusually low $699,900, said agent Steven Atsaves of Royal LePage Grange Hall Realty.
That, combined with a shortage of listings in the pre-holiday period, pulled in the crowds at the open houses, he said.
“I purposely put it for sale without renovating or painting it. If you renovate or paint it, we’re going to go into the spring market by the time we put it up, and then we’re going to have a lot more competition as well and the risk of the market turning,” he said.
“Instead of from 2 p.m. to 4 p.m. on Sunday, I did two open houses from 1 p.m. to 5 p.m. both Saturday and Sunday. I knew the influx of people coming was going to be insane,” said Atsaves.
It was so busy, people struggled to find their footwear among the dozens of shoes at the door, said Atsaves, who found himself rationing agents and viewers to two- and three-minute conversations.
“It looked like a rock concert on the street,” added Atsaves, who also did a half-day open house during the week.
People are accustomed to homes being staged to look and smell like they’re move-in ready, he said.
But there was no apple pie baking at 10 Hinda Lane. It was emptied for showing. It had torn wallpaper, a partially finished basement, an older kitchen and well-used carpets.
“That’s the product I wanted to sell, a house that needs reno: paint it yourself, choose your colours, choose your own floors. That’s the product we put out there. We did not try to make it look pretty,” said Atsaves.
The vendor did install a new furnace and put railings on the front porch as a safety measure.
The property in the Lakeview Estates neighbourhood has four bedrooms, a double garage, main floor family and laundry rooms. Built in 1984, it has only ever had one owner and was sold in original condition.
Winter is officially here, and ideally you’ll be warm and dry this season by staying one step ahead of snow and water damage. If your home needs repairs, however, where will the money come from? Let’s talk about your household emergency fund today!
It happens every year, yet some people continue to be surprised — and unprepared — for the arrival of winter. Whether it’s torrents of rain or mountains of snow that defines winter in your area, it’s not too late to prime your home for it.
The cost of a replacement furnace, a new roof, basement waterproofing or attic insulation can throw a wrench into any household budget. You may not think of calling your mortgage broker for this type of funding but you’ll be interested to know you may be able to find the answer to your financing requirements right here! Call now to find out how to secure the right financing — at the right rate and terms — for your particular needs.
Please call today if you, your family or friends have questions about budgeting for your home or anything in it. There’s never any cost or obligation, only the potential to make you even more proficient in managing your household finances.
The upcoming holidays signify some of the busiest long-distance travel periods of the year, and much of that travel involves visits to out-of-town relatives. If you’re expecting company but don’t have a dedicated guest room to put them in, you’ll want to try and make them as comfortable as possible with these suggestions:
When setting up your home, and assuming you don’t already have a dedicated guest room, consider buying a futon or daybed for your den or living room instead of a couch (unless it’s a pullout couch). That way you’re always ready for overnight company. Having a decent air mattress on hand is a good backup plan too.
If your guest is being placed in the living room or a common area, invest in an inexpensive, portable folding screen to provide a bit of privacy, from both sides of the screen.
Offer to store your guest’s luggage out of his or her way, and assign a clear area behind the screen for them to place their clothes and other personal effects.
Have available some amenities appropriate to someone sleeping in a strange — and perhaps somewhat exposed — place. Earplugs to block out noise and a sleep mask to block light can make the difference between a restless night and a good sleep. Also lay out towels, extra pillows and blankets so your guest doesn’t have to seek them out.
Those homeowners who do have an extra bedroom and who survived the holidays relatively unscathed may start to toy with the idea of renting out a bedroom to generate a little extra income. If that’s you, first be sure to check your local regulations to confirm what is considered a bedroom.
While it may sound a little confusing, (after all, isn’t a room with a bed in it considered a bedroom?), the requirements to meet the legal definition of a bedroom could include specific points such as:
Putting safety first, a legal bedroom in some definitions must have two means of egress (exit) — one being a door that leads into the home, and the second in the form of either another door, or a window that opens to the outside. The window should be large enough for a fully equipped firefighter to get in and out of. An interior room cannot be called a bedroom as it lacks both windows and outside egress. A room that can only be accessed through another room — a “walk-through” room — is also not considered a bedroom in the legal sense.
Minimum size requirements usually mean the room cannot be less than seven feet in any horizontal direction, and seven feet high.
Depending on local regulations and perhaps how old the home is, having a closet in the bedroom, while expected, is not necessarily a requirement.
Remember that the price for a home is influenced by the number of bedrooms on the main floor. Check with your real estate representative for clarification on what constitutes a bedroom in your municipality.