Here is a summary of a presentation CMHC Langley made recently.  The highlights are as follows:



• Job growth in Metro Vancouver will continue to support housing demand (Chart 1).


• Mortgage interest rates are forecast to start edging higher later in 2013.

• Population-based demand for housing will remain strong, with an estimated 30,000 people (net migration) forecast
to relocate to the Vancouver region next year.

• BC Stats estimates that approximately 18,000 new households will be added to the Lower Mainalnd on an annual
basis, generating demand for rental and ownership housing (Chart 2).



I hope you  have a great weekend!  Let me know if you have any questions regarding the above statements.


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We are working hard to change the lives of two very special little girls from the home that Imani Orphan Care works with in Malindi on the Kenya coast called God Our Father Children’s Home.  We have been blessed with an appointment for these girls to see a surgeon from Kijabe Missions Hosptial in Kijabe Kenya on Monday July 1st.  We are presently working on getting CT scans done for both girls in either Malindi or Mombasa in order to give the doctors at the hospital a better idea of what the needs for the girls are.  Kijabe is quite a distance from Malindi and it will require a flight to Nairobi and then a drive of about an hour and a half north of Nairobi.  Our Imani team is going to be in the area of Navaisha at this time only 40 km from Kijabe Missions Hospital we will be there to meet with the girls and their caregivers when they arrive.  We are so excited about all that God will do through this appointment and how He will change the girl’s lives!


Beatrice was born in 2009 and she lives at God Our Father Children’s Home in Malindi.  Beatrice was abandoned by her father and then her mother also abandoned her shortly after her birth when her mother found out that she was pregnant with another child.  Beatrice was born with a condition called hydrocephalus and she also has a condition called aqueductal stenosis.  Her condition causes swelling in her brain due to the imbalance of how much cerebrospinal fluid is made and absorbed. Our hope with Beatrice having surgery is to make her more comfortable.  We pray for Beatrice to have a long life on earth but because of her condition we are not sure if this surgery can extend her life at this time although this is our prayer.


Maria is an outreach child at God Our Father Children’s Home so this means that she does not live at the orphanage but the home helps to pay for her medicine and care.  Maria is blessed to have both of her parents although her parents have lost almost everything and they are living in poverty due to trying to help their child.  Our hope is that this surgery will be life changing for Maria and also for her family allowing them to keep their child with them.  Many of the kids that come to the homes that Imani Orphan Care works with are in the homes because their families could not feed them.  Many of the kids are abandoned or left at the homes due to the huge problem of poverty in Kenya and many of the kids that we work with are orphaned due to HIV/AIDS.  Our hope is that Maria gets the help that she needs to make her life more comfortable and to change her life.  This surgery will also help to prevent another child living     in an orphanage and it will help to keep Maria with her parents.


To donate towards helping these precious girls in need please donate on the home page of our web site or mail a cheque made out to Imani Orphan Care.


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Another super informative blog that I'd love to share with you, this time from Peter Kinch and the Mortgage Minute.


"If you're a first-time homebuyer, you're hearing a lot of talk in the real estate market these days. Will prices go up? Will the market crash? Will I ever be able to afford a house? How will the new rule changes affect me? How will I ever pay off this debt?

It's easy to get caught up in all the noise but harder to separate the facts from the hype. As I edge closer to celebrating my first half century on this planet, I find myself using the phrase "if I knew then.. " more and more — which got me thinking about the next wave of first-time homebuyers, and what pearls of wisdom I could bestow on them.


I had an interesting conversation with a colleague the other day regarding property values in Vancouver. He relayed me a story of a friend who had bought a house on the west side of Vancouver in the mid 1990s and it is now worth over 4 times the amount they paid. In terms of equity, it was the equivalent of winning the lottery. We pondered the question, what will people be saying 20–25 years from now? Is it quite possible that a young 25 year old couple today might look back in the year 2033 and say "If only we had bought that house back in 2013? Why didn't we? Oh ya, there were new mortgage rules and a lot of global uncertainty..."


Here are a few things that I've learned about real estate:

  1. Real estate has peaks and valleys, but there has never been a future peak that is lower than the past one. Just give it time.
  2. Time is your ally. Time can turn any bad real estate decision into a good one.
  3. Equity is your safety net. It can supplement a pension and give you financial options in later years.
  4. Your mortgage is a forced savings program.

So let's assume that 20–25 years from now you'll be looking back and saying to yourself one of two things:

  • I'm sure glad I bought that first house, or
  • I wish I had bought something back in 2013

A lot of people are in this situation today and paralyzed by all the noise around them. And in the absence of facts or perspective, fear will take over. So what are the factors that are influencing your decisions today?

New Mortgage Rules

Yes, there are new mortgage rules that have been implemented over the past few years, but in some respects, this could be to your advantage. Many first-time homebuyers are unaware that you can still buy a home with as little as 5 per cent down. The main rule change that impacts your ability to afford a home is that you can no longer access a 30 year amortization. Your payments will now be determined based on you paying off that mortgage over a maximum 25 year period. Although this does make your payments a little higher in the beginning, it increases the amount of equity you build with each payment (remember your forced savings plan).

In addition, the rule changes imposed by the government have had the exact effect they were looking to accomplish and that is to slow down what was becoming an over-heated housing market. Again, this is to your advantage because it will help to bring house prices back within your range.

Global Uncertainty

There is no doubt that we live in an age of global uncertainty and face the threat of financial chaos in Europe and a pending credit crisis in the US. However, this is not the first time our world has faced these challenges and it won't be the last. The key factor to look at is what you can control in your world. Ask yourself about your own employment options - your own employment future. The key to creating long term wealth in real estate through equity is your ability to afford your monthly mortgage payments and making them consistently over a long period of time — regardless of what is happening on the other side of the world. If you do so, one day you'll wake up and realize two things:

  1. Your mortgage is paid off, and
  2. Your house is worth more than the day you bought it — regardless of what happened during the years in between.

So if you're a first-time homebuyer in 2013, here's my advice to you. Create a budget that you can afford and be comfortable with. Buy a house or home that does not put a strain on your budget. Focus on taking baby steps and don't get overwhelmed by the big picture. Make the monthly payments into that forced savings program you called a mortgage and then let time be your friend and real estate will do what it has done for many generations before — eventually go up as your mortgage goes down — and that is what we call "creating equity." And then maybe, just maybe, as you're about to celebrate your first half century on this planet, you'll look back and say, "I'm glad I got started in 2013.""


If you have any questions about the rule changes please don't hesitate to get in touch with  me here, or give me a call at 604-832-8229.


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I was forwarded some really great information this morning from the Fraser Valley Real Estate Board that I'd love to share with you, my readers. 


The article that struck me the most was in regards to the recent BC election that took place mid-May.  Here  are some portions of it, and here is the link to the full article.



Many familiar faces elected in the Valley

"Were you surprised and shocked to watch the BC Liberals secure a majority in the recent provincial election? At least a few Fraser Valley REALTORS® were. After all, most of the polls leading up to the election were predicting the New Democrats would be forming the next BC government. As well, it appeared to be a foregone conclusion that the BC Liberals would be losing seats across the province.


However, the BC Liberals actually gained a few seats in the election, especially in the Fraser Valley. Fortunately, most of the new MLAs are already familiar to the Board's Government Relations (GR) committee. They've met them at Board-sponsored all-candidates' meetings and at other past events."


Whether or not you like politics is somewhat irrelevant, politics touches every part of our lives and affects everyone, so I really hope you did your duty and voted. It is important to have your voice heard; a privilege, not a right, so don't misuse or take advantage of it.



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It is my honor to be able to provide you with as much value as I possibly can.  I'm not JUST about getting you into the home of your dreams but about providing you with money saving opportunities in other areas of life as well.


So today I would like to introduce you to something that makes SO MUCH SENSE I simply had to put my name behind it.  It's is called Lyoness.



Do you buy groceries and gas?


Check out the Lyoness website to learn about their FREE membership and how you can get cash back for purchases on specific items!

If you have any questions please don't hesitate to call me at 604-832-8229 or email me for more information.  I'd be more than happy to answer any questions you may have!

Till next time ...

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Here is a recent update from BCREA:


The British Columbia Real Estate Association (BCREA) reports that a total of 6,904 residential sales were recorded by the Multiple Listing Service® (MLS®) in BC during April, up 1.9 per cent from March on a seasonally adjusted basis, but down 2.2 per cent compared to April 2012. Total sales dollar volume declined 3 per cent to $3.65 billion. The average MLS® residential price in the province was $528,507, down 0.8 per cent from a year ago.


"BC home sales trended higher again in April, with seasonally adjusted unit sales now 8 per cent higher since the beginning of the year," said Cameron Muir, BCREA Chief Economist. "Market conditions were at or near balanced conditions in Victoria, Vancouver, the Fraser Valley and the North last month, leading to a firming up of home prices." The MLS® Home Price Index edged up 0.7 per cent over the past month in the Lower Mainland, and 1.5 per cent over the past three months.



Year-to-date, BC residential sales dollar volume was down 16.6 per cent to $10.8 billion, compared to the same period last year. Residential unit sales dipped 13.9 per cent to 20,476 units, while the average MLS® residential price was down 3.1 per cent at $529,785.


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Dear friends of Imani,

We’re excited to launch a new fundraiser this week!



Until Wednesday May 15th, we will be selling quality local meats and other grocery items at competitive prices. Whether you order chicken strips, hamburgers, steak, or bacon, 20 to 30% of each purchase goes directly to Imani Orphan Care.

Your groceries will help feed the kids at Kanyimbo Orphan Home. Food for food: what a wonderful concept!

Our goal is to raise $1,200. I hope that each of our supporters can spend $50 to $80. You stock up on quality meats for the month and, together, we’ll feed 12 children-in-need for an entire year!

So please make a purchase today, to make a difference!
Visit our online store  to place your order now.

Please share this message far and wide!

Thank you for the support.

Pick up for orders placed will be this Saturday May 18th from 9 am-8 pm at
3308 Blossom Court
Abbotsford, BC
V3G 2Y5


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BCREA Economics Now talks about Canadian Employment on May 9, 2013:


Canadian employment was little changed in April, increasing by 12,500 following a decline in March. The level of Canadian employment has grown just under 1 per cent over the past 12 months while the unemployment rate remains at 7.2 per cent.

The BC economy added 9,500 jobs in April, with an impressive 17,500 new full-time positions partially offset by a decline in part-time work. The jump in full-time jobs helped to recover some of the 22,400 full-time jobs lost March. The provincial unemployment rate declined 0.6 points to 6.4 per cent. Through April, employment has been flat compared to last year, though we anticipate job growth to accelerate in the second half of 2013.


If you have any questions about what I've quoted here, please visit the BCREA  main website or get in touch with me here.


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I would just like to wish all the mothers reading this a wonderful and very special Mother's Day on Sunday!  I too am a mother and am so grateful for all the amazing memories I've made so far with my own children!


So ...



Enjoy your special day!


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Canadian Housing Starts - May 8, 2013

"Canadian housing starts dipped 3.5 per cent to 174,858 new units at a seasonally adjusted annual rate (SAAR) in April.  New home construction continues to trend lower, averaging approximately 183,000 units over the past six months.  On a year-over-year basis, housing starts were down 29 per cent.

New home construction in BC urban centres fell 5 per cent month-over-month in April to a seasonally adjusted annual rate of 23,000 units. On a year-over-year basis, total starts were 4 per cent higher than April 2012. Single-detached starts were 10 per cent lower over last year, while multiples increased 11 per cent.

Looking at census metropolitan areas (CMA) in BC, total starts in the Vancouver CMA declined 8 per cent compared to last year  with multiple starts falling 13 per cent while single-detached starts were up 20 per cent.  New home construction in the Abbotsford CMA fell 80 per cent year-over-year, though that number was significantly skewed by a relative lack of building activity in multiples, which can be volatile. Housing starts in the Victoria CMA were down 1 per cent compared to April 2012 as an 18 per cent rise in multiples was offset by a 27 per cent decline in single-detached starts. Conversely, housing starts in the Kelowna CMA increased 11 per cent year-over-year in April, driven by a 20 per cent rise in multiple starts."


If you have any questions about the above statements and how they pertain to you, please don't hesitate to get in touch with me.




BCREA represents 11 member real estate boards and their approximately 18,000 REALTORS® on all provincial issues, providing an extensive communications network, standard forms, economic research and analysis, government relations, applied practice courses and continuing professional education (cpe).

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We all know one of the biggest struggles in buying a home is the down-payment.  I would like to offer some help in that area.  I found this great article on 7 ways to save money that I would like to share with you!  If one or more of these ways of saving money works for you, you never know, it could help you get into the home of your dreams just that much faster!!


Here is one tip:


Drop change into a jar



You will be surprised how quickly that loose change adds up!


Another tip is:


Automate your savings


set up automatic transfers to your savings account, guaranteeing that you squirrel away at least some cash every pay period


There are 5 more ways listed in this article and you can read them ALL here.


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Honey Stop The Car!

Its all about the neighbourhood!


This new listing is really great for families!  It is a wonderful 3 bedroom home at end of the street with a south facing back yard.


It also has a newer updated open concept kitchen, oak hardwood on main floor. 

It is a lovely private setting and yard with recreation nearby as well as shopping!


If you would like a private viewing of this great family home please don't hesitate to get in touch with me here, or give me a call at 604-832-8229.


Till next time ...


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With recent fluctuation in home loan rates, it is important to make sure you still have the best loan and rate for your budget needs. A half a percent off your home loan rate could save you as much as $50,000! (based on a $500,000 loan)


On my blog I provide a mortgage calculator that looks like this:



You can access it by clicking here.


I want to make sure you are not ONLY in the house of your dreams, but in the best budget for you that is possible!


Till next time ...


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