Buying a home is more than likely one of the biggest financial decisions you will make in your life. Here is a great explanation of  Mortgage pre-approval, which is essentially the starting point of the home buying experience.



If you are looking for a great mortgage broker, please let me know as I work with many great ones all the time and would be honoured to refer you to one that will do whatever they can to help you.


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What happens when you decide to save a few dollars and NOT use a REALTOR®? It might wind up costing you a lot more later. 

Part of the value of using a REALTOR® is the REALTOR®'s ability to know things about a house that you might easily miss.

I'd love to work with you to ensure something like THIS doesn't happen to you!

Connect with me on my website or on Facebook or give me a call at 604-832-8229.

Because YOU Deserve the Best ...

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This one goes out to all my Realtor friends, acquaintances and colleagues.



It was a dark and stormy night... The rain fell in torrents against the windows of the sixth floor Training Room at CREA, where the Board of Directors of the Canadian REALTORS Care® Foundation gathered for their annual autumn meeting.

They were faced with a challenge: how to uncover the total amount that over 100,000 REALTORS® across Canada gave to charity in 2012. The Directors agreed: money talks. A grand total would speak volumes about the generosity of Canadian REALTORS®. It would complement the in-depth stories of REALTORS®' charitable achievements in their communities, found on It would make everyone in organized real estate proud.

The Board knew they were behind the eight ball. They needed to bring in some outside help. Luckily, Cal Lindberg announced that he knew a guy... who knew a guy... who could connect them to a gum-shoe... someone discreet... someone they could trust.
To meet the private eye on the case and discover how you can help solve the mystery, watch the video.



Make sure to help them out here in any way you can!


Because YOU Deserve the Best ...


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Here is a wonderful post I just had to share with you, from the on quick and profitable sales this summer!



After a brutal winter, the heat has finally arrived and with it, expectations of a hotter real estate market. The flurry of housing activity normally reserved for early spring is extending into the summer, industry experts say.


“The pent up demand from the winter is coming to fruition. As soon as listings come out, they’re being swallowed up,” Gurinder Sandhu, executive vice-president at RE/MAX’s Ontario-Atlantic Canada Division, says.


“For buyers there are more choice and for sellers there are more buyers.”


How you price your home and how you prepare its for sale are key.


“Price trends from one neighbourhood to the next can be very different,” Gregory Klump, chief economist at the Canadian Real Estate Association. “If you price your property too high, there is a chance it’ll sit on the market without offers.”


Click here to see how three recent home sellers weighed their options, and came out with the sale price they were looking for.

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According to statistics released today by The Canadian Real Estate Association (CREA), national home sales activity edged up on a month-over-month basis in March 2014.



Highlights for March 2014 Housing stats:

• National home sales rose 1.0% from February to March.
• Actual (not seasonally adjusted) activity stood 4.9% above March 2013 levels.
• The number of newly listed homes edged up 0.5% from February to March.
• The Canadian housing market remains in balanced territory.
• The national average sale price rose 6.0% on a year-over-year basis in March.
• The MLS® Home Price Index (HPI) rose 5.2% year-over-year in March.


For the full details on the Canadian Housing stats for March, please visit their website here.


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Re-blogged from

The big banks have all weighed in on the housing market following CREA’s monthly report and finally there is consensus.

“We believe that much of the strength in recent months reflected the unwinding of earlier restraint associated with the tightening of mortgage insurance rules last year and, in August, a likely rush to lock-in lower mortgage rates,” an RBC report stated. “We expect home re-sales to stabilize near the current levels, although some modest pullback may occur later this year or early next as payback for sales that may have been advanced during the rush to lock-in lower rates.”



The Canadian housing market recorded a hot summer, with many clients rushing the market to cash in on pre-approvals before rate hikes took effect.


 “The recent increase in 5-year mortgage rates (of about 70 basis points) that began in June of this year will likely temper housing activity in the coming months,” a report issued by TD Bank stated. “In large part, some of the strength experienced over the summer months can likely be attributed to households jumping into the market to get ahead of interest rate increases and we anticipate some payback in the coming months.”


And the banks agree that homebuyers will still take advantage of low rates before the market cools once those pre-approvals dry up.


 “Buyers continue to taking advantage of low borrowing costs, though recent increases in fixed mortgage rates are expected to slow the housing market’s momentum later this year and into 2014,” according to a report issued by ScotiaBank. “With posted rates having bottomed around late spring, the window of ultra-low preapproved mortgages is expiring.”


And while the days of historically low interest rates may be behind us, TD Bank believes rates will stay low enough to encourage slight growth through next year.


However, mortgages rates at all maturities remain historically low, keeping affordability decent and supporting modest growth in both sales and prices until the end of 2014 when the Bank of Canada starts lifting short term interest rates.




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