Well, we may not be #1, but we DID make the top 10 on REIN's list of BC's Top Investment Towns!  You can read the entire post by clicking here.

 

1) Surrey
2) Maple Ridge
3) Fort St. John
4) Dawson Creek
5) Kamloops
6) Abbotsford
7) Kelowna
8) Chilliwack
9) Prince George
10) Langley




Langley is a wonderful location for raising families, starting businesses, going to school, for recreation and shopping!


If you would like to shop for homes, or list your home, in Langley, please feel free to get in touch with me!  Langley is my home, I was raised here, and love to serve it's people! 


I look forward to working with you!


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Honey Stop The Car!

We're On Top Of The World in this wonderful PENTHOUSE!  This place has breathtaking views of Mt Baker & North East city views as well! This place has stunning renovations, hard wood flooring, an entertainers kitchen featuring updated kitchen with granite countertop, island and stainless appliances.

 

Over 1500 sq ft of living features 2 bedrooms, 2 bathrooms and a conservatory for relaxing or perhaps a hobby room. It also has a large deck for entertaining or relaxing.

 

 

This tower has an amazing strata that cares about where they live. Not to mention so many extras such as an indoor pool, hot tub, boat or RV parking and much more.

 

Call today for you private tour!

 

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As your Realtor I want to make sure you are Set Apart from the Rest!  This includes extras like brochures, online marketing and social media.

 

Watch this, to see what I mean. Laughing

 

 

When you are ready to buy OR sell, I am ready to help you!!  I go above and beyond, whatever it takes, to get your into the home of your dreams, always getting or paying the best possible price!

 

Wishing you a wonderful weekend!

 

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Negotiating your Mortgage in Vancouver

 

Independent mortgage consultants are more likely to give you better deals than your bank.

 

As with property prices, shopping for mortgages is changing. New mortgage options and features are introduced on a daily basis. It is also more complicated to know how much you will have to pay and what is right for you.

 

Maybe this is why mortgage consultants now negotiate most BC mortgages these days. The stigma previously attached to mortgage brokers no longer holds. Actually, trends show that Canadians now prefer to work with mortgage consultants while looking for investment advice, pre- payment options and the best rates. What is more, the services are free of charge.

 

Mortgage

The mortgage process may turn out to be intimidating. You will have to get in touch with different branches and compare the available options and rate structures. Based on the circumstances you find yourself in, one mortgage may be better than another.

 

On the other hand, financial institutions only use their sales force to sell their products to interested customers. As a result, you will not get unbiased advice or a wider variety of products. This is why most people are opting to work with mortgage consultants.

 

Today, mortgage news items will inform you that most consultants deal with different lenders – including top banks in Canada. They have the ability to search around for different products on offer by the credit unions, insurance companies, trust companies and major banks.

 

The primary objective of the mortgage consultant is to help you find the best product, terms and rates depending on your particular needs. They will also be able to structure deals to meet the criteria set between you and the lenders, while negotiating on your behalf.

 

Banks always look out for themselves. Actually, the bank rewards representatives for offering clients rates that are higher than the lowest discount rate. However, since the consultant does not represent any profit making bank, they are more likely to consider your interests first.

 

To attract customers through individual brokers and mortgage consulting companies, most lenders pay finders’ fees for referred business. This way, consultants can among different financial institutions at no cost to borrowers. At times, they can complete the entire application process in a couple of hours.

 

Lenders are also looking for new business; minus the cost and stress of dealing with customers directly. Essentially, they find it more convenient to pay independent brokers to get them clients.

 

Additionally, if you deal with a financial institution and the application for a mortgage is declines, you will have to restart the entire process again with other lenders. However, while dealing with consultants means that your application can be redirected easily to other lenders for consideration.

 

While negotiating another mortgage, watch out for the following things:

 

1. ‘Free Offers’

Some branches will offer to pay the appraisal costs and legal fees. Most of the time, these costs will be clawed back to you in terms of a higher rate. On the other hand, consultants sometimes use their commissions to help you offset either of these on your behalf.

 

2. Loyalty Program

You should also not expose yourself because you were loyal to the branch. Even with GIC’s, RRSP’s, chequing and savings accounts, the bank will always want to make a higher profit from your mortgage transactions.

 

Overall, it is clear from mortgage news that consultants are more likely to get you the best deal on your mortgage.

 

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Thank you Globe and Mail for the inspiration for today's post:

 

Ever heard of mortgage cancellation fees? You soon might.

You are probably used to seeing cancellation fees from hotels, airlines and cellphone providers, but not when you’re getting a mortgage.

 

Such fees are slowly becoming more common as a small but growing number of discount mortgage brokers are tying cancellation fees to rock-bottom rates. Here’s why.

 

Many Canadians use mortgage brokers, who have access to multiple lenders, to get the lowest possible mortgage rate. To get the best terms, lenders require brokers to maintain high “closing ratios.” That means brokers must generally complete three out of four mortgages that they get approvals for.

 

But as mortgage shoppers become more informed and more rate sensitive, many become less loyal. And that is leading to an increase in costly cancellations, as borrowers use one lender’s approval to get a better deal with another lender or broker.

 

One may rightly ask, “What’s wrong with that?".

 

You can read the answer to that question here.

 

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Are you looking for something fun and maybe a little bit different to do in Langley this summer?  Why not go ...

Dancing in the Park, July 19

Get your rhythm on and join us in the open air for a variety of dance styles in beautiful Douglas Park.


Event Date: Friday July 19, 2013

Event Location: Douglas Park Spirit Square - 20550 Douglas Crescent, Langley BC V3A 4B3

Event Time: 7:00pm to 9:00pm

 

Hosted by the City of Langley in partnership with Dancing for Dessert

 

For more information please visit City of Langley website here.

 

Have fun!!

 

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The Miracle Home Program is exclusive to RE/MAX International and provides an opportunity for a RE/MAX associate to make a donation to their local Children's Miracle Network hospital with each transaction.

 

In 2012, RE/MAX raised over $543,610 for BC Children's Hospital.

 

Many generous agents have been longtime supporters and donations are the direct result of the associates' successes rather than solicitation to customers. Benefits of this program include:

 

  • Builds customer loyalty and strengthens your relationship with clients
  • Recognition among your colleagues and community
  • Gives back to the communities where you work while helping BC's sick kids get better


How can you get started?


If you would like to sign up or learn more about how the Miracle Home Program can help build your business and make a difference in a life of a child, please contact:

 

Marie Sheppy
Senior Coordinator, Corporate Affairs
RE/MAX of Western Canada
#340-1060 Manhattan Dr.
Kelowna, BC V1Y 9X9
Phone: 1-800-563-3622

 

 

 

I'm very humbled and honoured to be a part of this program.  If you would like more information, please get in touch with the name and address above, or feel free to get in touch with me and ask me questions as well. 

 

Till next time ...

 

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Re-posted from an article in the GlobeandMail.com:

 

“Buying a Vancouver house is not even close to affordable for us,” said Mr. Kebede, 28, a graduate student who rents a two-bedroom suite with his brother for a total of $1,300 a month. Mr. Kebede, Ms. McDonald and Mr. Thomas are each renting modest places on the East side, where accommodation is more affordable than on the West side.

 

 

The three friends want to stay in Vancouver, but don’t want to buy condos. All three have university degrees, and while they might one day land jobs with decent salaries, they have already shifted their attention to some form of communal living or other shared accommodation while they wait for a chance to buy into Vancouver’s real estate market.

 

Their situation highlights an important shift in attitude that is being felt in Vancouver and to a lesser degree in other parts of Canada.

 

You can read the entire article here.

 

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First-time home buyers warned of possible mortgage hikes.

 

BMO predicts mortgage rate hikes in second half of 2014.

 

 

According to BMO’s First-Time Home Buyer’s Report, one-third of first-time buyers (31 per cent) expect interest rates to stay the same over the next five years. However, these first-time buyers may need to reconsider their outlook.

 

BMO Economics projects the Bank of Canada will raise its overnight lending rate in the second half of 2014.

"The Bank of Canada has made no changes to its policy bias," said Doug Porter, Chief Economist, BMO Capital Markets. "With Canadians’ debt-to-income ratio poised to stabilize in the months ahead and the housing sector cooling, we continue to look for a rate hike during the second half of 2014. Even so, other interest rates, such as longer-term mortgage rates, can rise well ahead of the Bank of Canada."

 
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I have a wonderful listing in East Abbotsford that I'd like to share with you today!

 

 

What a Rare Find!  A beautiful spacious custom built family home situated in East Abbotsford. Over 3900 sq ft of living space in this rare gem with 5 Bedrooms & 5 bathrooms in total!  It has so many wonderful features like: hardwood on the main floor, formal living and dining room, spacious oak kitchen with bakers kitchen and a pantry and a South-facing large deck with a gas outlet for BBQing and entertaining with an unobstructed amazing Mt Baker Valley view. 

 

There is a separate nanny quarters as well as a large craft room/sewing room!  Guys, there's a 2 car garage on the main as well as an additional garage under the house (separate entrance, lane access and parking).  Wait, there's more ... a 1 bedroom legal suite! 

 

Oh yes ... and did I mention original owners!

 

A Must See!

 

Give me a call today or get in touch with  me on Facebook!

 

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The Children's Miracle Network is something I'm very passionate about sponsoring.  I'm so grateful to RE/MAX for the involvement.

 

 

If you have any questions about how it all works, or perhaps maybe about how you can get involved, please don't hesitate to get in touch with me.

 

 

 

Till then ...

 

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Property sales in the Fraser Valley were 9 per cent lower in June compared to last year – 1,327 compared to 1,463 in June 2012 – remaining significantly below 10 and 20 year averages. However, data from the Fraser Valley Real Estate Board’s Multiple Listing Service® (MLS®) reveals localized bright spots where sales have rebounded since May.

Ron Todson is the Board’s president. “In the last month, sales of single family detached homes have picked up in North Delta, North Surrey, Langley and Abbotsford, and in some neighbourhoods where we’ve seen a decrease in new listings, we now have a shortage of quality inventory.

“It’s too soon to know if this trend shows increased consumer demand in general, or if it’s specific to those communities, property types and price points, but it does speak to the importance of getting local real estate expertise if you’re thinking of buying or selling because of the wide variance in the market depending on neighbourhood and property type.”

 

You can read the full report here.

 

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Summer has FINALLY arrived!!  Whether you're driving around looking at some of my awesome listings Wink or going on a family road trip, safety is always first!

 

 

I wanted to give you some great advice on road trips that I found today online at CanadianLiving.com.  It's all about safety and trips for a safer road trip for you and your loved ones.

 

Here are a few of the suggestions they offer...

 

  • plan your route
  • get in the right frame of mind for a road trip (they can sometimes be LONG) and
  • establish an emergency route

 

You can read to whole article here.

 

I hope you have a Safe and really fun summer!! 

 

Please let me know when you are ready to list, or even buy!  I'll be here for you all summer long!

 

Till then ...

 

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