Tag Archives: remax realtor rosalie drysdale

Thank you to all the Mortgage Brokers who I have worked with through 2015

Purchasing a home is the largest financial investment many people make in their lives, and I will go the extra mile to assist them in the process.
 
Being a Realtor means more to me than simply selling homes; it is about building relationships with my clients based on TRUST, KNOWLEDGE, and EXPERTISE.
 
As a Realtor of 20 years in the business, I worked hard to provide my clients a Network of Business that will provide a easier time to get the service needed to purchase or sell their property.
 

Message from Realtor Rosalie Drysdale

 
Coming to the end of your term with your mortgage, needing to resign for the next five years. Contact one of the Mortgage Brokers from my website
 
http://999-rose.ca/wp/services/financial/

Contact one of the Mortgage Professional below to help you with the progress and let the Mortgage Broker know who referred there services to them.

Daryl Harris Daryl Harris @ http://www.winnipegsbestmortgage.com

Follow Daryl on twitter@wpgsbestmtg

 

Justin Hintz - 1Justin Hintz @www.justinhintz.com

Follow Justin on twitter@justin_hintz

 

Leonard mcAuliffeLeonard mcAuliffe @ http://www.thatmortgageguy.ca

Follow Leonard on twitter @wpgmortgageguy

 

 Kevin Stefanson - Mortgage Broker Kevin Stefanson@ https://www.castlemortgagegroup.ca/brokers/30

Follow Kevin on twitter@mortgagebykevin

 

Peter Paley Peter Paley @ Invis Canada’s Mortgage, http://www.peterpaley.com/

Follow Peter on twitter@PeterPaley

 

Lisa J. Gryba Lisa Gryba @ One Link Mortgage Financial, http://lisagryba.com/

Follow Lisa on twitter@LisaJGryba

 

TRENA-Taylor -- The Mortgage Mogul 1 Trena Taylor @ Winnipeg,  http://themortgagemogul.blogspot.ca/

Follow Trena on twitter@mortgagemogul_

 

If you are wanting to deal with a Credit Union ,please contact

Cory Papineau -- Assiiboine Credit Union Cory Papineau @ Assiniboine Credit Union , 2659 Pembina Highway

Follow Cory on twitter@Iam_Canadian

 

If you are in the Market to Sell or Purchase a Home or Condo,

Please Contact me Realtor Rosalie Drysdale

The Five Signs of a Successful Sale

999-rose -- For Sale999-rose -- For Sale QR Code999-rose -- Open House Small Sign999-rose -- Open House999-rose -- Sold

Get to know a little real estate language

 

(NC) There are many terms you’ll hear real estate professionals use during your home buying process. While there are too many to list, these are a few you’ll surely hear at least once:

 

Amortization: The number of years it takes to repay the entire amount of a mortgage.

 

Buyer Agency Agreement: Establishes a formal and exclusive relationship between the potential buyer and the broker and its representatives.

 

Closing Date: The date on which the title and keys to the property are transferred from the seller to the buyer, and the money is paid.

 

More information is available at www.wedothehomework.ca.

 

Source: www.newscanada.com

What’s the sweet spot for a down payment on a house

House-for-sale

Photo credit: Google Images


If you can’t afford 20% down, here’s why 10% serves you well:
 
Q: We’re buying a home valued at $275,000 and 100% of our down payment is coming from our RRSPs. We do not have enough to come up with a 20% down payment so now we’re trying to decide: (a) is it better to put down only 5% and pay more on mortgage insurance premiums, but have more cash in hand; or (b) put down 15% on the home, pay less in insurance premiums but have less cash in hand. —Glen Slim, Ottawa
 
A: Owing a home is a good idea for many, but despite your best laid plans, you could be faced with unexpected expenses. If you can’t quite hit the 20% threshold to avoid mortgage loan insurance, I think you’re right to hold some money back. Joe Jacobs is a broker with Mortgage Connections and based on his calculations you should consider a third option, let’s call it option (c). “The sweet spot is likely 10% down,” he says, because of how the premiums are calculated. For the house you’re buying, the insurance premium with 5% down would be 3.6% of the total or $9,400. With 10% down you’d pay 2.4%, or $5,940, which is a savings of $3,460. If you go with 15% down you’d pay 1.8%, or $4,200, but save only another $1,740 and tie up $14,000 that you might rather have around to cover any surprises.  If it turns out you don’t need that money in the first year or two, and you have some financial flexibility, you can put it down on the mortgage later. Any additional lump sum payments you can make will reduce the number of years it takes to pay your mortgage off, saving you thousands of dollars in interest costs.
 
by Bruce Sellery September 30th, 2015
 
From the September/October 2015 issue of the Moneysense magazine.
 
Source: MoneySense.ca
 
Source of the Article :
 
LISA GRYBA INFORMATION

How to update your home without breaking the bank

Like most people out there; I get bored with my home decorating look. But also like most people these days, I don’t want to overspend on redecorating my house every time I want to keep up with the trends. Here are some great tips on how you can update your home décor without breaking the bank!
 
* Get educated. In order to know how to give your home some modern appeal, you need to know what’s in style! Spend an afternoon browsing on Pinterest or Houzz, look through magazines, perusing design shops and checking out a few decorating shows on the tube. Make a note of the trends that appeal to you. Me? Love the rustic look of barn wood.

Barnwood

* Lighten up! Lighting is a great way to bring a room into a new design age. Modern lighting is embracing a more contemporary design, including great drum and barrel shades. Switching out for new shades is a fast way to create a new style.

Lampshade

* Change your color. Spend some time online checking out the popular designer’s “Tried and True” or “Classic” paint colors. I love white and neutrals but warm grays, mocha browns, lime greens, aqua and even smoky purples are huge.

Neutral

* Fabrics and Linens. So, you’ve noticed your rooms just don’t have the oomph you see in the catalogues. Try updating your fabric accessories using modern, simple prints and fresh colors. Many modern print are a simple classic design, but with a stylized vision mixing white and one color.

Fabrics

* Declutter. We all love our things. The trick to a modern look is to keep the room totally uncluttered. New arrangements with furniture and accessories can be just what your room needs to go from boring to modern hot!

Declutter

*Fix Anything that is Broken or Worn out. Got a cracked ceiling? A torn screen door? A good rule of thumb is, if it’s there and in disrepair, you need to fix it. Also, a fresh coat of paint on your siding, re-staining your deck or power-washing your patio will liven up the outside.

Deck

*All pictures sourced from Pinterest

Needing helping contact Mortgage Broker Lisa Gryba

Source: LISA GRYBA INFORMATION

Winnipeg Real Estate News – September Sales Better than Average at 1,144

Winnipeg real estate News Logo

YEAR-TO-DATE SALES OF 10,298 JUST AHEAD OF 2014
–           –           –
September Sales Better than Average at 1,144

 

WINNIPEG – September MLS® sales activity and the year-to-date pace is indicative of a steady market.  It is tracking very closely to 2014 as was forecast.  2014 saw Winnipeg
REALTORS®’ 5th highest MLS® sales result in its 112-year history.

 

If we even use the third quarter or the past 3 months as an example, and look back over 3 years including 2015, it is quite remarkable how similar they are. Some may say nearly identical as there is a difference of only 7 sales between the highest and lowest sales results.  In order of highest third quarter MLS® sales to lowest they are as follows: 2013 – 3,803; 2014 – 3,802; 2015 – 3,796. You would be hard pressed to find such a minimal sales difference in any other major Canadian real estate market.

 

“They are not headline grabbing numbers,” said WinnipegREALTORS® president David MacKenzie. “What they tell us is we are very much in a narrow range of monthly MLS® sales results when up against the same month in 2014. Stability lives here and that is an attribute we can feel positive about in a world full of uncertainty.”

 

September MLS® sales of 1,144 were off 3% from September 2014.  However, they are over 2% higher from the 10-year September average.  There has only been one September when sales climbed over 1,200. Despite sales being down 3% from September 2014, dollar volume of $307 million eclipsed last year’s level of $305 million and is the highest MLS® dollar volume on record for September.

 

Year-to-date dollar volume is now over $2.8 billion, up 2% from 2014.  At 10,298 sales, year-to- date sales are in a virtual deadlock with 2014 as a mere 20 more sales have been processed through WinnipegREALTORS® MLS® in 2015 when compared to the same period in 2014.

 

More activity has emerged in the last few years with listings. Winnipeg is in a far more balanced market with 5,538 MLS® listings available at the end of September.  This equates to roughly 5 months of supply if no new listings were to come onto the market.

 

Single family homes represent the most at 3,110 while condominiums are well back at 860. There are another 708 vacant land listings.

 

“People in the market who are looking to buy property are well placed at this time to take advantage of a healthy supply of all MLS® property types within our market region,” said David MacKenzie. “They should be calling their REALTOR® as they will advise them on what specific choices they have within the property type and location they are interested in living.”

 

The most active price range in September for residential-detached sales was $250,000-$299,999 (24% of sales), followed by the $200,000-$249,999 (19%) and $300,000-$349,999 (12%).  Average days on market for residential-detached sales was 35 days, 2 days slower than September 2014. The highest priced residential-detached sale was $1,150,000. The least expensive sale was $39,500.

 

The busiest condo price range was $150,000-$199,999 (30% of sales), followed by the $200,000 to $249,999 (22%) and $250,000- $299,999 (16%).  Average days on market for condominium sales was 56 days, 16 days slower than September 2014. The highest-priced condo sale was $482,500 and the lowest-priced sale was $72,500.

 

Established in 1903, WinnipegREALTORS® is a professional association representing over 1,880 real estate brokers, salespeople, appraisers, and financial members active in the Greater Winnipeg Area real estate market.  Its REALTOR® members adhere to a strict code of ethics and share a state-of-the-art Multiple Listing Service® (MLS®) designed exclusively for REALTORS®. WinnipegREALTORS® serves its members by promoting the benefits of an organized real estate profession.  REALTOR®, MLS® and Multiple Listing Service® are trademarks owned and controlled by The Canadian Real Estate Association and are used under licence.

 

Source: Winnipeg Real Estate News
 

Message from Winnipeg Realtor Rosalie Drysdale

If you are in the market to sell or upgrade your home. Please contact my Real Estate team and we will show you how to get the best dollar value for your home. Selling Homes from thousand dollar to million dollar homes, we can help you find what you are looking for or selling your home.
 
999-rose -- For Sale

Mortgage Rates for Sept 15, 2015 — By Peter Paley

                                             

Peter Paley - Your Home and Mortgage Peter Paley

Come visit Realtor Rosalie Drysdale Website each week for my weekly Mortgage Rates.

Whether you are looking to purchase, refinance, or renew, we can help you decide whether a fixed or variable-rate mortgage will work best for your situation. Call today!

At Invis, we are always aware of the current environment and resulting implications, so at any time we can recommend a mortgage that gives you an edge and meets your current needs and future goals.

We regularly receive short-term rate promotions that are not posted online, which means our rates change frequently. Please contact us for these unpublished rate specials.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.89%

2.29%

2 YEARS

2.84%

2.19%

3 YEARS

3.39%

2.34%

4 YEARS

3.89%

2.49%

5 YEARS

4.64%

2.59%

7 YEARS

5.30%

3.39%

10 YEARS

6.10%

3.84%

Rates are subject to change without notice. OAC E&OE

Prime Rate

2.70%

5 yr variable

2.05%

Looking at Purchasing that New Home, Needing a Mortgage,

Whatever your need is today – first or next home, renewal, refinance, renovation financing, equity take out, business–for-self mortgage, investing in property or a second/vacation home, contact us for a review of your situation, and the advice you need to achieve your homeownership dreams. After all, the right mortgage can build your wealth and save you thousands of dollars

Every single day we’re making homeowner dreams come true. And we’re here to help you.

Contact Peter Paley at Invis Mortgage

 

Peter Paley Mortgage Associate Send an EmailVisit Website

 

Mortgage Rates for September 1, 2015 — By Peter Paley

                                             

Peter Paley - Your Home and Mortgage Peter Paley

Come visit Realtor Rosalie Drysdale Website each week for my weekly Mortgage Rates.

Whether you are looking to purchase, refinance, or renew, we can help you decide whether a fixed or variable-rate mortgage will work best for your situation. Call today!

At Invis, we are always aware of the current environment and resulting implications, so at any time we can recommend a mortgage that gives you an edge and meets your current needs and future goals.

We regularly receive short-term rate promotions that are not posted online, which means our rates change frequently. Please contact us for these unpublished rate specials.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.89%

2.29%

2 YEARS

2.84%

2.19%

3 YEARS

3.39%

2.34%

4 YEARS

3.89%

2.54%

5 YEARS

4.64%

2.59%

7 YEARS

5.30%

3.39%

10 YEARS

6.10%

3.84%

Rates are subject to change without notice. OAC E&OE

Prime Rate

2.70%

5 yr variable

2.05%

Looking at Purchasing that New Home, Needing a Mortgage,

Whatever your need is today – first or next home, renewal, refinance, renovation financing, equity take out, business–for-self mortgage, investing in property or a second/vacation home, contact us for a review of your situation, and the advice you need to achieve your homeownership dreams. After all, the right mortgage can build your wealth and save you thousands of dollars

Every single day we’re making homeowner dreams come true. And we’re here to help you.

Contact Peter Paley at Invis Mortgage

 

Peter Paley Mortgage Associate Send an EmailVisit Website

 

First-time home buyers are now a strong factor in the Canadian real estate market


 
A new survey has revealed that first-time home buyers are significant drivers of the current housing market, making up 45 per cent of the 620,000 homes sold in the past 27 months.
 
While 18 per cent of their down payments are still coming from the bank of mom and dad, 53 per cent are using their own or their co-buyers’ personal savings, according to A Profile of Home Buying in Canada, the latest consumer survey report released by the Canadian Association of Accredited Mortgage Professionals (CAAMP).
 
“There is intense interest in the Canadian housing market, especially from first-time buyers,” said Jim Murphy, president and CEO of CAAMP.
 
“CAAMP’s spring report focuses specifically on this group and we can say with confidence that first-time home buyers are some of the most engaged, enthusiastic and well-researched groups in the market.”
 
As outlined in the report, first-time buyers on average are able to put $67,000 down as the first payment on their new home. This represents 21 per cent of their average purchase price, freeing them from the additional cost of mortgage insurance.
 
When asked whether a change of the minimum down payment to 10 per cent would affect their ability to purchase, 27 per cent of first-time buyers said they would probably not be able to afford their home.
 
Canadian first-time buyers also shared their reasons for purchasing a home. The most popular reason was to stop renting (51 per cent), while many others claimed that a change in personal circumstance (e.g., getting married or moving out of their parents’ homes) and a change in their financial situation (e.g., saved enough money) were their primary reasons to purchase.
 
Another interesting reason was buyers’ perceptions about the advantages of owning a home, such as providing financial security and the pride of owning a home.
 
While 47 per cent of first-time buyers are optimistic about the economy in the upcoming 12 months, Will Dunning, the chief economist of CAAMP, expresses concern. Job creation has slowed over the past two years creating a risk that could have a domino-effect on the entire Canadian economy.
 
Fewer jobs means reduced activity in both the resale market and new housing construction.

Housing demand in much of Canada is also slowing, with resale activity moderating or prices flattening, with the exception of major markets like Vancouver and Toronto where skyrocketing prices are due to issues of supply and demand.
 
“Overall our local market is balanced and offers plenty of choice for discerning buyers to find their preferred property,” said WinnipegREALTORS® president David MacKenzie.
 

Profile of first-time buyers:
 
• Most are between 25 and 34 years old.
 
• About half have household incomes below $80,000, while one-third have incomes of $100,000 or more.
 
• Average price spent on a home by first-time buyers is $308,100, and the most common price range was between $200,000 and $249,999, a common price range in Winnipeg.
 
• The largest source for down payments in all buying groups including first-time owners is personal savings.
 
• Withdrawals from RRSPs made up 10 per cent.
 
• TFSA withdrawals were highest among first-time buyers at five per cent.
 
• Most first-time buyers purchased single-detached homes (47 per cent), followed by condominiums (22 per cent).
 
• On average, most buyers expected to shorten their amortization by five years, although first-time home buyers thought they could shorten their payment period by 4.3 years.
 
• First-time buyers gave the most consideration of all buyer groups to interest rates increasing in the future.
 
• First-time owners consulted an average of 1.2 mortgage professionals and obtained 1.7 mortgage quotes; 61 per cent consulted a mortgage broker and 39 per cent said they obtained their mortgage from the broker.
 
• Seventy-nine per cent of first-time buyers were employed full-time and 82 per cent were confident their employment was secure.
 
• Sixty-four per cent of first-timers consider a mortgage “good debt.”
 
Source: Winnipeg real estate News Logo

Bank of Canada lowers benchmark rate down to 0.50 per cent

                                           

Peter Paley - Your Home and Mortgage Peter Paley

Come visit Realtor Rosalie Drysdale Website each week for my weekly Mortgage Rates.

Bank of Canada lowers benchmark rate

The Bank of Canada announced today that it is lowering its key rate down to 0.50 per cent given faltering global growth, a lower outlook for Canadian growth and increased downside risks to inflation. The Bank notes that “additional monetary stimulus is required to help return the economy to full capacity and inflation sustainability to target.”

Great news if you’ve got a variable-rate mortgage, need a new mortgage, are renewing, or want to consolidate debt at the lowest cost funds. Get in touch today for help determining whether a fixed or variable-rate mortgage will work best for your situation.

The next rate-setting day is September 9th.

 

We regularly receive short-term rate promotions that are not posted online, which means our rates change frequently. Please contact us for these unpublished rate specials.

Terms

Posted Rates

Our Rates

6 MONTHS

3.14%

3.10%

1 YEAR

2.89%

2.29%

2 YEARS

2.84%

2.19%

3 YEARS

3.39%

2.34%

4 YEARS

3.89%

2.54%

5 YEARS

4.64%

2.59%

7 YEARS

5.30%

3.39%

10 YEARS

6.10%

3.84%

Rates are subject to change without notice. OAC E&OE

Prime Rate

2.85%

5 yr variable

2.20%

Looking at Purchasing that New Home, Needing a Mortgage,

Whatever your need is today – first or next home, renewal, refinance, renovation financing, equity take out, business–for-self mortgage, investing in property or a second/vacation home, contact us for a review of your situation, and the advice you need to achieve your homeownership dreams. After all, the right mortgage can build your wealth and save you thousands of dollars

Every single day we’re making homeowner dreams come true. And we’re here to help you.

Contact Peter Paley at Invis Mortgage

 

Peter Paley Mortgage Associate Send an EmailVisit Website