Q: Why should I work with one agent when buying a home? Isn’t it better to keep my options open by having multiple agents send me information about available homes?
A: Loyalty is a two-way street. A good agent will bend over backwards for his or her client, as long as the agent knows that the client won’t defect to another agent once the perfect home is found. When a great listing comes on the market, who do you think the Realtor will call first, a client who is working exclusively with this Realtor, or someone who told the agent “call me if you find something interesting” and is juggling several Realtors at once? You’ve guessed it; the loyal client gets the first call.
Choosing a Buyer’s Agent to work with exclusively benefits both of you. You get a professional who is obligated to find you the home you’ll fall in love with, answer any questions or unknowns about the process, negotiate on your behalf, take care of all the paperwork, and look out for your (not the seller’s!) best interests. The agent gets the peace of mind of knowing that after working hard to find you your dream home, he or she will get paid. That sounds pretty fair, doesn’t it? And since the seller, not the buyer, pays the agent, it is hard to understand why any buyer would not want to have a dedicated Buyer’s Agent at his side.
It’s Your Career – I’m Here to Support YOU!
Constantine Isslamow | Broker of Record
CENTURY 21 United Realty Inc. Brokerage
387 George Street South, P.O. Box 178
Peterborough Ontario. K9J 6Y8
Direct Line: 705।743.4444 | Fax: 705-743.3702 | E-Mail:
Constantine.Isslamow@century21.ca
www.ConstantineIsslamow.com
Showing posts with label Housing Tips. Show all posts
Showing posts with label Housing Tips. Show all posts
Tuesday, April 26, 2011
Tuesday, June 1, 2010
Vacation Security Tips for Your Home
Here are ten important tips for protecting your
home against break-ins while you’re away on
summer holidays.
1. Stop newspaper, magazine and mail subscriptions.
2. Avoid telling people that you’re going to be away.
3. Don’t change the outgoing message on your voice mail to say that you’re on vacation.
4. Close any blinds or curtains that give outsiders a view into your home.
5. Install timers and program your lights to come on at different times during the evenings.
6. Ask a neighbour or friend to stop by the house to check for flyers, door stuffers and other notices that might accumulate on your front steps.
7. Place a piece of wood or broom handle in the sliding track of doors and windows.
8. Install motion sensor lights in the main access areas to your home.
9. Ask someone to cut your lawn, trim hedges and attend to other maintenance tasks if you plan to be away for an extended period.
10. Let a trusted neighbour or friend know where you will be staying, or give them your mobile telephone number. Also give this number to your alarm company, if you have one, to locate you in an emergency.
It's Your Career - I'm here to Support YOU!
Constantine Isslamow
Broker of Record
Century 21United Realty Inc. Brokerage
Independently Owned and Operated
Friends, followers, and connections are the way of the future.
Twitter / Facebook / LinkedIn
home against break-ins while you’re away on
summer holidays.
1. Stop newspaper, magazine and mail subscriptions.
2. Avoid telling people that you’re going to be away.
3. Don’t change the outgoing message on your voice mail to say that you’re on vacation.
4. Close any blinds or curtains that give outsiders a view into your home.
5. Install timers and program your lights to come on at different times during the evenings.
6. Ask a neighbour or friend to stop by the house to check for flyers, door stuffers and other notices that might accumulate on your front steps.
7. Place a piece of wood or broom handle in the sliding track of doors and windows.
8. Install motion sensor lights in the main access areas to your home.
9. Ask someone to cut your lawn, trim hedges and attend to other maintenance tasks if you plan to be away for an extended period.
10. Let a trusted neighbour or friend know where you will be staying, or give them your mobile telephone number. Also give this number to your alarm company, if you have one, to locate you in an emergency.
It's Your Career - I'm here to Support YOU!
Constantine Isslamow
Broker of Record
Century 21United Realty Inc. Brokerage
Independently Owned and Operated
Friends, followers, and connections are the way of the future.
Twitter / Facebook / LinkedIn
Monday, January 11, 2010
Getting your home ready to sell
“You never get a second chance at a first impression.” We’ve all heard this expression before. And now, while you are preparing your house to sell, it should not be far from your mind.
While logical factors such as price and location narrow the pool of houses a potential buyer will look at, the ultimate decision to buy a particular house is fuelled by a mixture of logic and emotion. And emotion often wins out. The same might be said for the process of selling a home. For this reason, Real Estate Agents, when they talk to you about buying real estate, will refer to your purchase as a “home.” When discussing the sale of your current home, however, an agent will refer to it as the “house.” This is a conscious choice. The agent knows that buying a house is often an emotional decision, while, when selling a house, emotion should be separated from the process.
Buyers are searching for a “home”—a place in which they will feel comfortable, secure, and happy, a place in which they can imagine settling down and raising their family. As a seller, your goal is to cultivate these feelings through the property you’re selling. Look at your house as a marketable commodity. A buyer’s emotional response is triggered early, so you want to ensure you have done everything you can to encourage a positive response to your house from the outset. Within minutes—even seconds—of pulling into your driveway, buyers have formed an impression that they will carry with them through the rest of the showing, and beyond. Keep in mind, this impression will not only influence whether or not they make an offer, but also what they consider to be the value of the property.
If you’ve ever visited model homes, you’re familiar with effective presentation styles. Have you ever walked into one of these homes and immediately begun taking stock, planning how to get your home to look that good? Well, now is the time to take some of these steps. Of course, there are ways to achieve the same effect in your own home without incurring model home costs.
When homes create this immediate type of emotional appeal, they tend to sell quickly—and for more money. Use the following step-by-step guide to get your house into selling shape before you put the property on the market, and you’ll be well on your way to a successful sale!
1. Outside the House
Work your way from the outside in. It is essential that your home possess a certain “drive-up appeal.” Remember, a potential buyer’s first impression of your house is formed while s/he is still sitting in the realtor’s car. So, first you need to view your house from this perspective. Go stand on the opposite curb and observe your property. Compare it to surrounding properties. Concentrate on the following four areas:
Landscaping:
How does your landscaping measure up compared to the rest of the neighbourhood? If you guess it would rate below-average, make a few adjustments. You might want to consider buying some bushes and planting them around the property. Do not buy trees, however—mature trees are expensive, so you will not see a return on your investment. And immature trees don’t tend to significantly improve the immediate appearance of your home.
If the problem with your yard isn’t a case of too little greenery, but rather too much, get out the pruning shears. The purpose of landscaping is to complement the home, not hide it. Overgrown shrubs should be sheared to a height near the bottom of the windows. Remove any ivy clinging to the side of the house. Tree limbs should be high enough that you’re able to walk beneath. Trim any branches that bar the way.
Your lawn should be freshly cut and watered, and an even colour. If there are brown spots, make sure you begin to remedy this well in advance of putting the house on the market. You may want to re-sod areas, and you need to make sure these spots are given enough time to grow, so they will match the existing lawn. Also, if you decide to use fertilizer, you’ll want to allow enough time for it to take effect. Rake up any leaves or grass cuttings.
Planting a few flowers is an easy way to add colour and vibrancy to your yard, enhancing the first impression of your home. Invest in a full flat of mature, colourful flowers, such as petunias or periwinkles, which last the length of the growing season. Do not buy bulbs or seeds—they won’t necessarily grow enough by the time you begin showing to achieve the desired effect. If you don’t have an area in which to plant flowers, consider purchasing a few flower pots for your porch and planting flowers or blooming plants.
If you have a pool, keep it sparkling and leaf-free.
House Exterior:
When you view your house from across the street, does it appear weathered or faded? If so, it’s probably time to treat it to a fresh coat of paint. This is usually a sound investment; new paint can do wonders to increase a home’s perceived value.
Stay away from unusual or loud colours. The new colour should fit in with surrounding houses, and complement the style and structure of your house.
Examine the roof closely. Old or leaking roofs should be replaced. If there are leaks, you’ll have to disclose this detail to the homebuyer anyway, and they will want it replaced. If there isn’t any apparent damage, however, wait for word from the home inspector before making repairs.
The Front Door and Porch:
The front door and surrounding area should look particularly fresh and welcoming, as this will be the buyer’s first up-close impression as they enter the house. If you paint nothing else, at least give the door a new coat. Replace the doorbell if it is broken and polish the door fixture until it gleams. Wash the mail box. Keep the porch swept and buy a new plush door mat. All of these little things will contribute to the overall effect of a well cared-for and welcoming home.
Ensure the lock works smoothly and the key fits properly. When a homebuyer visits your house, the Realtor will open the front door with a key. You don’t want the buyers’ first experience to be of waiting on the doorstep while the Realtor fumbles with the lock.
2. Depersonalize.
This should be one of your first steps when you begin preparing your house to sell. Over the years, a home inevitably becomes tattooed with the owners’ lives, covered with touches that have made it that special place for you. At this point, however, you want buyers to recognize it as a property they could make into their unique place. When a homebuyer walks into a room and sees these personalizing touches—such as photos on the walls or trophy collections—their ability to picture their own lives in this room is jarred, impairing a positive emotional response. So, your first step will be to remove all the family photos, the trophies, collectible items, and souvenirs. Pack them all together, so you’ll have everything you need at your disposal when it comes time to personalize your new home. For the time being, rent a storage space and keep these items there. Do notDo not hoard them away in a closet, basement, attic, or garage, as the next step in preparing your home is to minimize clutter—and these areas of your house will all be targeted. simply transfer these items to another place in your house.
3. Remove all clutter.
The next step on the list is to purge your house of the excess items that have accumulated over the years. This is the hardest part for many people, as they have an emotional investment in many of these things. When you have lived in a house for several years, a build-up of personal effects occurs that is often so gradual that you don’t notice the space is becoming cluttered. If you need to, bring in an objective friend to help point out areas that could stand to be cleared. Try to stand back yourself and see your house as a buyer might. Survey shelves, countertops, drawers, closets, the basement—all places where clutter often accumulates—to determine what needs to go. Use a system to help you decide: get rid of all items, for example, you haven’t used in the past five years, and pack up everything that you haven’t used in the past year. Although getting rid of some things might be hard, try to do it without conscience or remorse. You’ll be forced to go through this process anyway when you move, and with each box you eliminate, your storage space—and the room in general—begins to look larger. We’ve broken down the process into specific areas of your house to help you concentrate your efforts:
Kitchen:
The kitchen is an ideal place to begin, as it’s easy to spot and eliminate the type of clutter that tends to accumulate here. Homebuyers will open your drawers and cabinets as they’ll want to check if there will be enough room for their own belongings. If the drawers appear cluttered and crowded, this will give them the impression there is not enough space.
* First of all, remove everything from the counters, even the toaster (the toaster can be stored in a cabinet, and brought out when needed).
* Clean out all the cabinets and drawers. Put aside all of the dishes, pots and pans that you rarely use, then box them and put them in the storage unit you have rented (again, not in the basement or a closet).
* If you, like many people, have a “junk drawer,” clear this out.
* Get rid of the food items in the pantry that you don’t use. Begin to use up existing food—let what you have on your shelves dictate your menus from now on.
* Remove all extra cleaning supplies from the shelves beneath the sink. Make sure this area is as empty as possible. You should thoroughly clean this spot as well, and check for any water stains that might indicate leaking pipes. Buyers will look in most cabinets, and will notice any telltale signs of damage.
Closets:
* Go through all clothes and shoes. If you don’t wear something anymore, get rid of it. We all have those clothes, too, that we wear only once in awhile, but can’t bear to give away. Box these items and keep them in the storage unit for a few months.
* Go through all other personal items in the closet. Be ruthless. Weed out everything you don’t absolutely need.
* Remove any unsightly boxes from the back of the closet. Put them in storage if need be. Get everything off the floor. Closets should look as though they have enough room to hold additional items.
Furniture:
* You may want to tour a few model homes in order to gauge the type of
furniture chosen by design teams to create a spacious, yet comfortable atmosphere. Note how that furniture is arranged to cultivate a certain feeling.
* After having armed yourself with some ideas, stand back and look at each
of your rooms. What will you need to remove? Remember, most homes contain too much furniture for showings. These are items that you’ve grown comfortable with and that have become incorporated into your everyday routine. However, each room should offer a sense of spaciousness, so some furniture will likely need to be placed in storage.
Storage Areas:
* Basements, garages, attics, and sheds: these are the “junkyard” areas of
any given home. It is possible to arrange simple clutter into a certain order, but junk is sent packing to these often-hidden rooms. First, determine which of these boxes and items you actually need. Can some of it be sent to the dump once and for all?
* Hold a Garage Sale. You’ve heard the saying, “One person’s trash is
another’s treasure.” Let these items go to a better home.
* Transfer some items to the rental storage unit. You’ll want to clear the
storage areas in your house as much as possible, in order for them to appear spacious to potential home-buyers. Buyers want the reassurance that their own excess belongings will find places for storage in their new home.
4. Inside the House
Once you’ve cleared the house of excess items, you’ll have room to work on other areas.
Walls and Ceiling:
Examine all the ceilings and walls for water stains or dirt. We don’t often look closely at the walls that surround us, so be careful—there could be residual stains from leaks that have long been fixed, or an accumulation of dirt in an area you hadn’t noticed.
Painting the walls may be the best investment you can make when preparing your home to sell. You can do it yourself, and relatively inexpensively. Remember, the colours you choose should appeal to the widest range of buyers, not just to your own personal taste. A shade of off-white is the best bet for most rooms, as it makes the space appear larger and bright.
Carpet and Flooring:
Does your carpet appear old, or worn in areas? Is it an outdated colour or pattern? If the answer to either of these questions is yes, you should consider replacing it. You can find replacement carpeting that is relatively inexpensive. And always opt for neutral colours.
Any visibly broken floor tiles should be replaced. But make sure you don’t spend too much on these replacements. The goal isn’t to re-vamp the entire home, but, rather, to avoid causing any negative impressions due to noticeable damage or wear around the house.
Doors and Windows:
Check the entire house for any cracked or chipped window panes. If they are damaged in any way, replace them. Test all windows, as well, to ensure they open and close easily. Try spraying WD40 on any with which you’re having trouble. This should loosen them up.
The same can be done with sticking or creaking doors. A shot of WD40 on the hinges should make the creak disappear. Check to make sure each door knob turns smoothly and polish it to gleaming.
Odour Check:
Begin by airing out the house. Chances are, you’d be the last person to notice any strange or unpleasant smell that may be immediately apparent to visitors.
If you smoke indoors, you’ll want to minimize the smell before you show your home. Take your cigarettes outside for a period of time before you begin showing. Ozone sprays also help eliminate those lingering odours without leaving a masking, perfumed smell.
Be careful if you have a pet. You may have become used to the particular smell of your cat or dog. Make sure litter boxes are kept clean. Keep your dog outdoors as much as possible. You may want to intermittently sprinkle your carpets with carpet freshener as well.
Plumbing and Fixtures:
All sink fixtures should look shiny and fresh. Buy new ones if scrubbing fails to get them into shape. Replacing them can be done fairly easily and inexpensively. Check to make sure all hot and cold faucets are easy to turn and that none of the faucets leaks. If you do find a leaking faucet, change the washer. Again, this is an easy and inexpensive procedure.
Finally, check the water pressure of each faucet, and look for any stains on the porcelain of the sinks or tubs.
Once you’ve covered all these bases, your house will be in prime shape for its time on the market. Congratulations, you’re ready to begin showing!
It's Your Career - I'm here to Support YOU!
Constantine Isslamow
Real Estate Broker / Mortgage Broker
Century 21United Realty Inc. Brokerage / CENTUM Core Financial Inc.
Independently Owned and Operated
Friends, followers, and connections are the way of the future.
Twitter / Facebook / LinkedIn / Blog
CENTUM Core Financial Inc. Brokerage License #: 10642
Constantine Isslamow License#: M08005391
While logical factors such as price and location narrow the pool of houses a potential buyer will look at, the ultimate decision to buy a particular house is fuelled by a mixture of logic and emotion. And emotion often wins out. The same might be said for the process of selling a home. For this reason, Real Estate Agents, when they talk to you about buying real estate, will refer to your purchase as a “home.” When discussing the sale of your current home, however, an agent will refer to it as the “house.” This is a conscious choice. The agent knows that buying a house is often an emotional decision, while, when selling a house, emotion should be separated from the process.
Buyers are searching for a “home”—a place in which they will feel comfortable, secure, and happy, a place in which they can imagine settling down and raising their family. As a seller, your goal is to cultivate these feelings through the property you’re selling. Look at your house as a marketable commodity. A buyer’s emotional response is triggered early, so you want to ensure you have done everything you can to encourage a positive response to your house from the outset. Within minutes—even seconds—of pulling into your driveway, buyers have formed an impression that they will carry with them through the rest of the showing, and beyond. Keep in mind, this impression will not only influence whether or not they make an offer, but also what they consider to be the value of the property.
If you’ve ever visited model homes, you’re familiar with effective presentation styles. Have you ever walked into one of these homes and immediately begun taking stock, planning how to get your home to look that good? Well, now is the time to take some of these steps. Of course, there are ways to achieve the same effect in your own home without incurring model home costs.
When homes create this immediate type of emotional appeal, they tend to sell quickly—and for more money. Use the following step-by-step guide to get your house into selling shape before you put the property on the market, and you’ll be well on your way to a successful sale!
1. Outside the House
Work your way from the outside in. It is essential that your home possess a certain “drive-up appeal.” Remember, a potential buyer’s first impression of your house is formed while s/he is still sitting in the realtor’s car. So, first you need to view your house from this perspective. Go stand on the opposite curb and observe your property. Compare it to surrounding properties. Concentrate on the following four areas:
Landscaping:
How does your landscaping measure up compared to the rest of the neighbourhood? If you guess it would rate below-average, make a few adjustments. You might want to consider buying some bushes and planting them around the property. Do not buy trees, however—mature trees are expensive, so you will not see a return on your investment. And immature trees don’t tend to significantly improve the immediate appearance of your home.
If the problem with your yard isn’t a case of too little greenery, but rather too much, get out the pruning shears. The purpose of landscaping is to complement the home, not hide it. Overgrown shrubs should be sheared to a height near the bottom of the windows. Remove any ivy clinging to the side of the house. Tree limbs should be high enough that you’re able to walk beneath. Trim any branches that bar the way.
Your lawn should be freshly cut and watered, and an even colour. If there are brown spots, make sure you begin to remedy this well in advance of putting the house on the market. You may want to re-sod areas, and you need to make sure these spots are given enough time to grow, so they will match the existing lawn. Also, if you decide to use fertilizer, you’ll want to allow enough time for it to take effect. Rake up any leaves or grass cuttings.
Planting a few flowers is an easy way to add colour and vibrancy to your yard, enhancing the first impression of your home. Invest in a full flat of mature, colourful flowers, such as petunias or periwinkles, which last the length of the growing season. Do not buy bulbs or seeds—they won’t necessarily grow enough by the time you begin showing to achieve the desired effect. If you don’t have an area in which to plant flowers, consider purchasing a few flower pots for your porch and planting flowers or blooming plants.
If you have a pool, keep it sparkling and leaf-free.
House Exterior:
When you view your house from across the street, does it appear weathered or faded? If so, it’s probably time to treat it to a fresh coat of paint. This is usually a sound investment; new paint can do wonders to increase a home’s perceived value.
Stay away from unusual or loud colours. The new colour should fit in with surrounding houses, and complement the style and structure of your house.
Examine the roof closely. Old or leaking roofs should be replaced. If there are leaks, you’ll have to disclose this detail to the homebuyer anyway, and they will want it replaced. If there isn’t any apparent damage, however, wait for word from the home inspector before making repairs.
The Front Door and Porch:
The front door and surrounding area should look particularly fresh and welcoming, as this will be the buyer’s first up-close impression as they enter the house. If you paint nothing else, at least give the door a new coat. Replace the doorbell if it is broken and polish the door fixture until it gleams. Wash the mail box. Keep the porch swept and buy a new plush door mat. All of these little things will contribute to the overall effect of a well cared-for and welcoming home.
Ensure the lock works smoothly and the key fits properly. When a homebuyer visits your house, the Realtor will open the front door with a key. You don’t want the buyers’ first experience to be of waiting on the doorstep while the Realtor fumbles with the lock.
2. Depersonalize.
This should be one of your first steps when you begin preparing your house to sell. Over the years, a home inevitably becomes tattooed with the owners’ lives, covered with touches that have made it that special place for you. At this point, however, you want buyers to recognize it as a property they could make into their unique place. When a homebuyer walks into a room and sees these personalizing touches—such as photos on the walls or trophy collections—their ability to picture their own lives in this room is jarred, impairing a positive emotional response. So, your first step will be to remove all the family photos, the trophies, collectible items, and souvenirs. Pack them all together, so you’ll have everything you need at your disposal when it comes time to personalize your new home. For the time being, rent a storage space and keep these items there. Do notDo not hoard them away in a closet, basement, attic, or garage, as the next step in preparing your home is to minimize clutter—and these areas of your house will all be targeted. simply transfer these items to another place in your house.
3. Remove all clutter.
The next step on the list is to purge your house of the excess items that have accumulated over the years. This is the hardest part for many people, as they have an emotional investment in many of these things. When you have lived in a house for several years, a build-up of personal effects occurs that is often so gradual that you don’t notice the space is becoming cluttered. If you need to, bring in an objective friend to help point out areas that could stand to be cleared. Try to stand back yourself and see your house as a buyer might. Survey shelves, countertops, drawers, closets, the basement—all places where clutter often accumulates—to determine what needs to go. Use a system to help you decide: get rid of all items, for example, you haven’t used in the past five years, and pack up everything that you haven’t used in the past year. Although getting rid of some things might be hard, try to do it without conscience or remorse. You’ll be forced to go through this process anyway when you move, and with each box you eliminate, your storage space—and the room in general—begins to look larger. We’ve broken down the process into specific areas of your house to help you concentrate your efforts:
Kitchen:
The kitchen is an ideal place to begin, as it’s easy to spot and eliminate the type of clutter that tends to accumulate here. Homebuyers will open your drawers and cabinets as they’ll want to check if there will be enough room for their own belongings. If the drawers appear cluttered and crowded, this will give them the impression there is not enough space.
* First of all, remove everything from the counters, even the toaster (the toaster can be stored in a cabinet, and brought out when needed).
* Clean out all the cabinets and drawers. Put aside all of the dishes, pots and pans that you rarely use, then box them and put them in the storage unit you have rented (again, not in the basement or a closet).
* If you, like many people, have a “junk drawer,” clear this out.
* Get rid of the food items in the pantry that you don’t use. Begin to use up existing food—let what you have on your shelves dictate your menus from now on.
* Remove all extra cleaning supplies from the shelves beneath the sink. Make sure this area is as empty as possible. You should thoroughly clean this spot as well, and check for any water stains that might indicate leaking pipes. Buyers will look in most cabinets, and will notice any telltale signs of damage.
Closets:
* Go through all clothes and shoes. If you don’t wear something anymore, get rid of it. We all have those clothes, too, that we wear only once in awhile, but can’t bear to give away. Box these items and keep them in the storage unit for a few months.
* Go through all other personal items in the closet. Be ruthless. Weed out everything you don’t absolutely need.
* Remove any unsightly boxes from the back of the closet. Put them in storage if need be. Get everything off the floor. Closets should look as though they have enough room to hold additional items.
Furniture:
* You may want to tour a few model homes in order to gauge the type of
furniture chosen by design teams to create a spacious, yet comfortable atmosphere. Note how that furniture is arranged to cultivate a certain feeling.
* After having armed yourself with some ideas, stand back and look at each
of your rooms. What will you need to remove? Remember, most homes contain too much furniture for showings. These are items that you’ve grown comfortable with and that have become incorporated into your everyday routine. However, each room should offer a sense of spaciousness, so some furniture will likely need to be placed in storage.
Storage Areas:
* Basements, garages, attics, and sheds: these are the “junkyard” areas of
any given home. It is possible to arrange simple clutter into a certain order, but junk is sent packing to these often-hidden rooms. First, determine which of these boxes and items you actually need. Can some of it be sent to the dump once and for all?
* Hold a Garage Sale. You’ve heard the saying, “One person’s trash is
another’s treasure.” Let these items go to a better home.
* Transfer some items to the rental storage unit. You’ll want to clear the
storage areas in your house as much as possible, in order for them to appear spacious to potential home-buyers. Buyers want the reassurance that their own excess belongings will find places for storage in their new home.
4. Inside the House
Once you’ve cleared the house of excess items, you’ll have room to work on other areas.
Walls and Ceiling:
Examine all the ceilings and walls for water stains or dirt. We don’t often look closely at the walls that surround us, so be careful—there could be residual stains from leaks that have long been fixed, or an accumulation of dirt in an area you hadn’t noticed.
Painting the walls may be the best investment you can make when preparing your home to sell. You can do it yourself, and relatively inexpensively. Remember, the colours you choose should appeal to the widest range of buyers, not just to your own personal taste. A shade of off-white is the best bet for most rooms, as it makes the space appear larger and bright.
Carpet and Flooring:
Does your carpet appear old, or worn in areas? Is it an outdated colour or pattern? If the answer to either of these questions is yes, you should consider replacing it. You can find replacement carpeting that is relatively inexpensive. And always opt for neutral colours.
Any visibly broken floor tiles should be replaced. But make sure you don’t spend too much on these replacements. The goal isn’t to re-vamp the entire home, but, rather, to avoid causing any negative impressions due to noticeable damage or wear around the house.
Doors and Windows:
Check the entire house for any cracked or chipped window panes. If they are damaged in any way, replace them. Test all windows, as well, to ensure they open and close easily. Try spraying WD40 on any with which you’re having trouble. This should loosen them up.
The same can be done with sticking or creaking doors. A shot of WD40 on the hinges should make the creak disappear. Check to make sure each door knob turns smoothly and polish it to gleaming.
Odour Check:
Begin by airing out the house. Chances are, you’d be the last person to notice any strange or unpleasant smell that may be immediately apparent to visitors.
If you smoke indoors, you’ll want to minimize the smell before you show your home. Take your cigarettes outside for a period of time before you begin showing. Ozone sprays also help eliminate those lingering odours without leaving a masking, perfumed smell.
Be careful if you have a pet. You may have become used to the particular smell of your cat or dog. Make sure litter boxes are kept clean. Keep your dog outdoors as much as possible. You may want to intermittently sprinkle your carpets with carpet freshener as well.
Plumbing and Fixtures:
All sink fixtures should look shiny and fresh. Buy new ones if scrubbing fails to get them into shape. Replacing them can be done fairly easily and inexpensively. Check to make sure all hot and cold faucets are easy to turn and that none of the faucets leaks. If you do find a leaking faucet, change the washer. Again, this is an easy and inexpensive procedure.
Finally, check the water pressure of each faucet, and look for any stains on the porcelain of the sinks or tubs.
Once you’ve covered all these bases, your house will be in prime shape for its time on the market. Congratulations, you’re ready to begin showing!
It's Your Career - I'm here to Support YOU!
Constantine Isslamow
Real Estate Broker / Mortgage Broker
Century 21United Realty Inc. Brokerage / CENTUM Core Financial Inc.
Independently Owned and Operated
Friends, followers, and connections are the way of the future.
Twitter / Facebook / LinkedIn / Blog
CENTUM Core Financial Inc. Brokerage License #: 10642
Constantine Isslamow License#: M08005391
Wednesday, December 9, 2009
Self-Employed? You Can Get a Mortgage
You will need to present the following documents to a banker or other lender for the application of your new mortgage:
Self-Employed
• 2 years of Notice of Assessments
• 2 years of T1 general tax return forms
• 2 years' proof of business (your GST number and article of incorporation)
Employed
• Written employment letter from Human Resources stating salary or hour wage /minimum hourly work week/position /start date - if less than 3 months (letter stating you are not on probation)
• Current pay stub
• 2 years of T4 statements if you would like to use overtime earnings
Have these documents ready when you meet with your mortgage specialist and things will move swiftly for you.
Shopping it Around with a Mortgage Broker
When a young woman goes shopping, she doesn't mess around; finding the best deal is worth taking the time and doing it right, and that may include using a professional shopper.
Apparently, shopping for a house mortgage is not much different for Canadian 20 and 30-something women; they are the demographic most likely to use a professional mortgage broker, according to the 2009 Mortgage Consumer Survey [pdf] conducted by Canada Mortgage and Housing Corporation (CMHC).
The survey found that 25 to 34-year old Canadians make up 42% of consumers who use an accredited mortgage professional, while female purchasers make up 43%.
The Accredited Mortgage Professional (AMP) is the only national proficiency standard for Canada’s mortgage industry. Launched in 2004, the AMP designation was developed as part of CAAMP’s ongoing commitment to increasing the level of professionalism in Canada’s mortgage industry.
Raising public awareness and increasing the value of the designation is a high priority for CAAMP.
First-time home buyers are also much more likely to use a mortgage broker than the general public, and that number is on the rise, sharply - from 35% in 2007 to 44% this year who favour brokers.
Loyalty to lenders (e.g. traditional banks) is down significantly among first-time buyers - from 65% in 2007 to 47% loyalty this year.
1/4 of All Mortgages Involved Broker
The CMHC survey shows that from June 2008 to June 2009, one quarter of all mortgage transactions were arranged through mortgage brokers. Aside from the first-time buyers, young and female demographics discussed, the use of mortgage brokers remains stable amongst other Canadians.
Working with a mortgage broker may make the most sense for first-time buyers, to help sort out the complicated formulas required and to minimize damage to one's credit score.
Reasons to use a mortgage broker include:
• Independent, unbiased advice; as a freelancer, the broker won't favour one bank or credit union over another based on anything except rates
• Access to as many as 40 government and CMHC-approved lenders
• Negotiates rates with lenders directly, on your behalf
• You pay no fee (the broker charges the lender)
• The broker educates you on all your options including: open, closed, high ratio, first, second, conventional, CMHC-insured, HELOC, VTB mortgages, prepayment privileges and penalties, reverse mortgages, private loans, and more.
Financial Privacy Issues
However, be wary when sharing your personal financial information; make sure that your mortgage broker has been accredited by a body like the Canadian Association of Accredited Mortgage Professionals and complies with provincial laws requiring education, training and licensing standards. Like in any industry, malpractice by a few brokers has resulted in mortgage fraud (a form of identity theft).
You should check and see if your mortgage broker is licensed and in good standing with your provincial regulator:
• FICOM in BC
• RECA in Alberta
• SFSC in Saskatchewan
• FSCO in Ontario
• ACAIQ in Quebec
• Service NS in Nova Scotia
Have you used a mortgage broker or know someone who has? Share your stories, or questions, below.
Your Mortgage Application Should Resemble a Great Resume
Do you just walk into the bank, sit down and let them make the application on your behalf?
If you answered 'yes' to this question, then you need help!
Think of it this way...
Would you walk into a job interview empty-handed, with no specific information to leave behind with the potential employer about your strengths as a candidate?
Would you hand over a messy resume with all kinds of missing information?
No, of course you wouldn't - not if you wanted that job!
So, if you want a house, why would you treat your written mortgage application process any differently than your polished, well-documented resume or job application form?
The Ideal Structure
The best way to take advantage of the lowest rates in history is to structure your mortgage application so it's the most appealing it can be before you submit it to a lender.
To assess what goes into the ideal mortgage application; ask yourself:
• What income can I use, and not use?
• What do the banks think of a part-time job?
• What does my credit score need to be in order to get the best rates?
• How much of my consumer debt should I pay down first?
• Should I put a consolidation loan in place?
• How can I best boost my credit score?
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Self-Employed
• 2 years of Notice of Assessments
• 2 years of T1 general tax return forms
• 2 years' proof of business (your GST number and article of incorporation)
Employed
• Written employment letter from Human Resources stating salary or hour wage /minimum hourly work week/position /start date - if less than 3 months (letter stating you are not on probation)
• Current pay stub
• 2 years of T4 statements if you would like to use overtime earnings
Have these documents ready when you meet with your mortgage specialist and things will move swiftly for you.
Shopping it Around with a Mortgage Broker
When a young woman goes shopping, she doesn't mess around; finding the best deal is worth taking the time and doing it right, and that may include using a professional shopper.
Apparently, shopping for a house mortgage is not much different for Canadian 20 and 30-something women; they are the demographic most likely to use a professional mortgage broker, according to the 2009 Mortgage Consumer Survey [pdf] conducted by Canada Mortgage and Housing Corporation (CMHC).
The survey found that 25 to 34-year old Canadians make up 42% of consumers who use an accredited mortgage professional, while female purchasers make up 43%.
The Accredited Mortgage Professional (AMP) is the only national proficiency standard for Canada’s mortgage industry. Launched in 2004, the AMP designation was developed as part of CAAMP’s ongoing commitment to increasing the level of professionalism in Canada’s mortgage industry.
Raising public awareness and increasing the value of the designation is a high priority for CAAMP.
First-time home buyers are also much more likely to use a mortgage broker than the general public, and that number is on the rise, sharply - from 35% in 2007 to 44% this year who favour brokers.
Loyalty to lenders (e.g. traditional banks) is down significantly among first-time buyers - from 65% in 2007 to 47% loyalty this year.
1/4 of All Mortgages Involved Broker
The CMHC survey shows that from June 2008 to June 2009, one quarter of all mortgage transactions were arranged through mortgage brokers. Aside from the first-time buyers, young and female demographics discussed, the use of mortgage brokers remains stable amongst other Canadians.
Working with a mortgage broker may make the most sense for first-time buyers, to help sort out the complicated formulas required and to minimize damage to one's credit score.
Reasons to use a mortgage broker include:
• Independent, unbiased advice; as a freelancer, the broker won't favour one bank or credit union over another based on anything except rates
• Access to as many as 40 government and CMHC-approved lenders
• Negotiates rates with lenders directly, on your behalf
• You pay no fee (the broker charges the lender)
• The broker educates you on all your options including: open, closed, high ratio, first, second, conventional, CMHC-insured, HELOC, VTB mortgages, prepayment privileges and penalties, reverse mortgages, private loans, and more.
Financial Privacy Issues
However, be wary when sharing your personal financial information; make sure that your mortgage broker has been accredited by a body like the Canadian Association of Accredited Mortgage Professionals and complies with provincial laws requiring education, training and licensing standards. Like in any industry, malpractice by a few brokers has resulted in mortgage fraud (a form of identity theft).
You should check and see if your mortgage broker is licensed and in good standing with your provincial regulator:
• FICOM in BC
• RECA in Alberta
• SFSC in Saskatchewan
• FSCO in Ontario
• ACAIQ in Quebec
• Service NS in Nova Scotia
Have you used a mortgage broker or know someone who has? Share your stories, or questions, below.
Your Mortgage Application Should Resemble a Great Resume
Do you just walk into the bank, sit down and let them make the application on your behalf?
If you answered 'yes' to this question, then you need help!
Think of it this way...
Would you walk into a job interview empty-handed, with no specific information to leave behind with the potential employer about your strengths as a candidate?
Would you hand over a messy resume with all kinds of missing information?
No, of course you wouldn't - not if you wanted that job!
So, if you want a house, why would you treat your written mortgage application process any differently than your polished, well-documented resume or job application form?
The Ideal Structure
The best way to take advantage of the lowest rates in history is to structure your mortgage application so it's the most appealing it can be before you submit it to a lender.
To assess what goes into the ideal mortgage application; ask yourself:
• What income can I use, and not use?
• What do the banks think of a part-time job?
• What does my credit score need to be in order to get the best rates?
• How much of my consumer debt should I pay down first?
• Should I put a consolidation loan in place?
• How can I best boost my credit score?
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Saturday, December 5, 2009
Shopping for a holiday tree?
Under ideal conditions, a fresh cut tree can last up to two weeks in your home. Follow these tips for choosing and maintaining a fresh holiday tree:
• Buy from a reputable tree seller.
• Inspect fresh trees by lightly shaking them or pulling on the needles. A fresh tree should hold its needles and show no signs of browning.
• Make a fresh cut in the bottom of your tree when you get home. Secure it into a sturdy base that contains water.
• Always keep the end of your tree just below the water line to prevent it from drying out. Check water levels often.
• Place the tree away from furnace vents, fireplaces, radiators and heat-generating appliances, including televisions.
• Decorate with energy-saving lights that give off little heat; unplug all tree lights before going to bed or leaving your home unattended.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
• Buy from a reputable tree seller.
• Inspect fresh trees by lightly shaking them or pulling on the needles. A fresh tree should hold its needles and show no signs of browning.
• Make a fresh cut in the bottom of your tree when you get home. Secure it into a sturdy base that contains water.
• Always keep the end of your tree just below the water line to prevent it from drying out. Check water levels often.
• Place the tree away from furnace vents, fireplaces, radiators and heat-generating appliances, including televisions.
• Decorate with energy-saving lights that give off little heat; unplug all tree lights before going to bed or leaving your home unattended.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Friday, November 27, 2009
How to Hold a Successful Garage Sale
Garage sales can be a great way to get rid of clutter — and earn a little extra cash — before you sell your home. But make sure the timing is right. Garage sales can take on a life of their own, and it might not be the best use of your energy right before putting your home on the market. Follow these tips for a successful sale.
1. Don’t wait until the last minute. You don’t want to be scrambling to hold a garage sale the week before an open house. Depending on how long you’ve lived in the home and how much stuff you have to sell, planning a garage sale can demand a lot of time and energy.
2. Get a permit. Most municipalities will require you to obtain a special permit or license in order to hold a garage sale. The permits are often free or very inexpensive, but still require you to register with the city.
3. See if neighbours want to join in. You can turn your garage sale into a block-wide event and lure more shoppers if you team up with neighbours. However, a permit may be necessary for each home owner, even if it’s a group event.
4. Schedule the sale. Sales on Saturdays and Sundays will generate the most traffic, especially if the weather cooperates. Start the sale early, 8 a.m. or 9 a.m. is best, and be prepared for early birds.
5. Advertise. Place an ad in free classified papers and Web sites, and in your local newspapers. Include the dates, time, and address. Let the public know if certain types of items will be sold, such as baby clothes, furniture, or weightlifting equipment. On the day of the sale, balloons and signs with prominent arrows will help to grab the attention of passersby.
6. Price your goods. Lay out everything that you plan to sell, and attach prices with removable stickers. Remember, garage sales are supposed to be bargains, so try to be objective as you set prices. Assign simple prices to your goods: 50 cents, 3 for $1, $5, $10, etc.
7. If it’s really junk, don’t sell it. Decide what’s worth selling and what’s not. If it’s really garbage, then throw it away. Broken appliances, for example, should be tossed. (Know where a nearby electrical outlet is, in case a customer wants to make sure something works.)
8. Check for mistakes. Make sure that items you want to keep don’t accidentally end up in the garage sale pile.
9. Create an organized display. Lay out your items by category, and display neatly so customers don’t have to dig through boxes.
10. Stock up on bags and newspapers. People who buy many small items will appreciate a bag to carry their goods. Newspapers are handy for wrapping fragile items.
11. Manage your money. Make a trip to the bank to get ample change for your cashbox. Throughout the sale, keep a close eye on your cash; never leave the cashbox unattended. It’s smart to have one person who manages the money throughout the day, keeping a tally of what was purchased and for how much. Keep a calculator nearby.
12. Prepare for your home sale. Donate the remaining stuff or sell it to a resale shop. Now that all of your clutter is cleared out, it’s time to focus on preparing your house for a successful sale!
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
1. Don’t wait until the last minute. You don’t want to be scrambling to hold a garage sale the week before an open house. Depending on how long you’ve lived in the home and how much stuff you have to sell, planning a garage sale can demand a lot of time and energy.
2. Get a permit. Most municipalities will require you to obtain a special permit or license in order to hold a garage sale. The permits are often free or very inexpensive, but still require you to register with the city.
3. See if neighbours want to join in. You can turn your garage sale into a block-wide event and lure more shoppers if you team up with neighbours. However, a permit may be necessary for each home owner, even if it’s a group event.
4. Schedule the sale. Sales on Saturdays and Sundays will generate the most traffic, especially if the weather cooperates. Start the sale early, 8 a.m. or 9 a.m. is best, and be prepared for early birds.
5. Advertise. Place an ad in free classified papers and Web sites, and in your local newspapers. Include the dates, time, and address. Let the public know if certain types of items will be sold, such as baby clothes, furniture, or weightlifting equipment. On the day of the sale, balloons and signs with prominent arrows will help to grab the attention of passersby.
6. Price your goods. Lay out everything that you plan to sell, and attach prices with removable stickers. Remember, garage sales are supposed to be bargains, so try to be objective as you set prices. Assign simple prices to your goods: 50 cents, 3 for $1, $5, $10, etc.
7. If it’s really junk, don’t sell it. Decide what’s worth selling and what’s not. If it’s really garbage, then throw it away. Broken appliances, for example, should be tossed. (Know where a nearby electrical outlet is, in case a customer wants to make sure something works.)
8. Check for mistakes. Make sure that items you want to keep don’t accidentally end up in the garage sale pile.
9. Create an organized display. Lay out your items by category, and display neatly so customers don’t have to dig through boxes.
10. Stock up on bags and newspapers. People who buy many small items will appreciate a bag to carry their goods. Newspapers are handy for wrapping fragile items.
11. Manage your money. Make a trip to the bank to get ample change for your cashbox. Throughout the sale, keep a close eye on your cash; never leave the cashbox unattended. It’s smart to have one person who manages the money throughout the day, keeping a tally of what was purchased and for how much. Keep a calculator nearby.
12. Prepare for your home sale. Donate the remaining stuff or sell it to a resale shop. Now that all of your clutter is cleared out, it’s time to focus on preparing your house for a successful sale!
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Low-Cost Ways to Spruce Up Your Home’s Exterior
Make your home more appealing for yourself and potential buyers with these quick and easy tips:
1. Trim bushes so they don’t block windows or architectural details.
2. Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle.
3. Put a pot of bright flowers (or a small evergreen in winter) on your porch.
4. Install new doorknobs on your front door.
5. Repair any cracks in the driveway.
6. Edge the grass around walkways and trees.
7. Keep your garden tools and hoses out of sight.
8. Clear toys from the lawn.
9. Buy a new mailbox.
10. Upgrade your outside lighting.
11. Buy a new doormat for the outside of your front door.
12. Clean your windows, inside and outside.
13. Polish or replace your house numbers.
14. Place a seasonal wreath on your door.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
1. Trim bushes so they don’t block windows or architectural details.
2. Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle.
3. Put a pot of bright flowers (or a small evergreen in winter) on your porch.
4. Install new doorknobs on your front door.
5. Repair any cracks in the driveway.
6. Edge the grass around walkways and trees.
7. Keep your garden tools and hoses out of sight.
8. Clear toys from the lawn.
9. Buy a new mailbox.
10. Upgrade your outside lighting.
11. Buy a new doormat for the outside of your front door.
12. Clean your windows, inside and outside.
13. Polish or replace your house numbers.
14. Place a seasonal wreath on your door.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Simple Tips for Better Home Showings
1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too.
2. Wash your windows and screens. This will help get more light into the interior of the home.
3. Keep everything extra clean. A clean house will make a strong first impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.
4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odours, smoke, and pet smells. Open the windows to air out the house. Potpourri or scented candles will help.
5. Brighten your rooms. Put higher wattage bulbs in light fixtures to brighten up rooms and basements. Replace any burned-out bulbs in closets. Clean the walls, or better yet, brush on a fresh coat of neutral color paint.
6. Don’t disregard minor repairs. Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well-maintained.
7. Tidy your yard. Cut the grass, rake the leaves, add new mulch, trim the bushes, edge the walkways, and clean the gutters. For added curb appeal, place a pot of bright flowers near the entryway.
8. Patch holes. Repair any holes in your driveway and reapply sealant, if applicable.
9. Add a touch of color in the living room. A coloured afghan or throw on the couch will jazz up a dull room. Buy new accent pillows for the sofa.
10. Buy a flowering plant and put it near a window you pass by frequently.
11. Make centerpieces for your tables. Use brightly coloured fruit or flowers.
12. Set the scene. Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers picture living there. For example, in the basement you might display a chess game in progress.
13. Replace heavy curtains with sheer ones that let in more light. Show off the view if you have one.
14. Accentuate the fireplace. Lay fresh logs in the fireplace or put a basket of flowers there if it’s not in use.
15. Make the bathrooms feel luxurious. Put away those old towels and toothbrushes. When buyers enter your bathroom, they should feel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight.
16. Send your pets to a neighbour or take them outside. If that’s not possible, crate them or confine them to one room (ideally in the basement), and let the real estate practitioner know where they’ll be to eliminate surprises.
17. Lock up valuables, jewellery, and money. While a real estate salesperson will be on site during the showing or open house, it’s impossible to watch everyone all the time.
18. Leave the home. It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Wednesday, November 25, 2009
How to Get an Offer on Your Home
1. Price it right. Set a price at the lower end of your property’s realistic price range.
2. Prepare for visitors. Get your house market ready at least two weeks before you begin showing it.
3. Be flexible about showings. It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you’ll find a buyer.
4. Anticipate the offers. Decide in advance what price and terms you’ll find acceptable.
5. Don’t refuse to drop the price. If your home has been on the market for more than 30 days without an offer, you should be prepared to at least consider lowering your asking price.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
2. Prepare for visitors. Get your house market ready at least two weeks before you begin showing it.
3. Be flexible about showings. It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you’ll find a buyer.
4. Anticipate the offers. Decide in advance what price and terms you’ll find acceptable.
5. Don’t refuse to drop the price. If your home has been on the market for more than 30 days without an offer, you should be prepared to at least consider lowering your asking price.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Thursday, November 19, 2009
5 Ways to Increase Your Credit Rating
With mortgage markets still tight, it’s more important than ever to have a good credit score. Having a good score not only increases the odds of being approved for a mortgage, but it can also affect your rate, as the best interest rates are generally reserved for applicants with top credit scores.
Many consumers aren’t knowledgeable about their credit scores—or what impacts them. More importantly, they may not be aware of the many things they can do to improve their scores. Here are some tips that could help boost your score.
Get a copy of your credit report. Review it carefully to ensure that it’s correct. If you find an error, contact the creditor to have it corrected. You can request a free copy of your report at www.equifax.ca or www.transunion.ca
Pay your bills on time. This is probably one of the most important—and simple—things you can do to improve your credit score. Just pay your bills by their due date. Consider setting up automatic payments from your bank account to help you pay on time.
Pay down your credit cards. Paying off your credit cards or loans will help increase your score, but so will paying down your balances. Try to keep your balances below 30 percent of your credit limit.
Avoid closing unused credit cards. The older your credit history, the better. So keep your older cards, and use them periodically to keep the account active. Just be sure to pay your bill on time.
Check your credit limits. If your lender has reported a lower credit limit than you actually have, your score will be depressed. Once the information is corrected, your score should improve.
For more tips on improving your credit, or for a referral to a mortgage lender in your area, call or email me today.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Many consumers aren’t knowledgeable about their credit scores—or what impacts them. More importantly, they may not be aware of the many things they can do to improve their scores. Here are some tips that could help boost your score.
Get a copy of your credit report. Review it carefully to ensure that it’s correct. If you find an error, contact the creditor to have it corrected. You can request a free copy of your report at www.equifax.ca or www.transunion.ca
Pay your bills on time. This is probably one of the most important—and simple—things you can do to improve your credit score. Just pay your bills by their due date. Consider setting up automatic payments from your bank account to help you pay on time.
Pay down your credit cards. Paying off your credit cards or loans will help increase your score, but so will paying down your balances. Try to keep your balances below 30 percent of your credit limit.
Avoid closing unused credit cards. The older your credit history, the better. So keep your older cards, and use them periodically to keep the account active. Just be sure to pay your bill on time.
Check your credit limits. If your lender has reported a lower credit limit than you actually have, your score will be depressed. Once the information is corrected, your score should improve.
For more tips on improving your credit, or for a referral to a mortgage lender in your area, call or email me today.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Wednesday, November 18, 2009
Keep Swine Flu out of your Home
As the country is in the midst of battling H1N1, projecting your family and friends is top of mind for many.
Place disinfectant hand sanitizer in your living room, kitchen and washrooms when hosting an open house.
Carry individually packaged disinfectant wipes or travel sized sanitizer with you if you are visiting open houses.
Frequently wash your hands with soap.
When coughing or sneezing, you should cover your mouth and nose with tissue and immediately discard the tissues
avoid touching their eyes, nose or mouth if they are in an area where someone is ill, and maintain a minimum distance of 2 metres (6 feet) away from people who are sick
Make masks available to visitors – the recommended type of mask, by the public health agency of Canada is the N95. (There is controversy over the use of the masks as if not handled properly, it can actually increase the possibility of infection – it is recommended prior to placing a mask on that hand sanitization takes place – a mask can only be used once; and has a life of a maximum of 6 hours of continuous use)
Showcase21, an exclusive feature found on www.goldpost.com, displays 21 HD quality photos of listings. These photos will give you a good first look so you can determine whether a personal open house visit is worthwhile; saving you time and decreasing your chances of being exposed to germs and viruses.
The symptoms of H1N1 are fever, cough, sore throat, runny or stuffy nose, body aches, headache, chills and fatigue – a significant number of people also report diarrhoea and vomiting.
Lastly, don’t let flu stop you from finding your dream home. Start online from goldpost.com
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Place disinfectant hand sanitizer in your living room, kitchen and washrooms when hosting an open house.
Carry individually packaged disinfectant wipes or travel sized sanitizer with you if you are visiting open houses.
Frequently wash your hands with soap.
When coughing or sneezing, you should cover your mouth and nose with tissue and immediately discard the tissues
avoid touching their eyes, nose or mouth if they are in an area where someone is ill, and maintain a minimum distance of 2 metres (6 feet) away from people who are sick
Make masks available to visitors – the recommended type of mask, by the public health agency of Canada is the N95. (There is controversy over the use of the masks as if not handled properly, it can actually increase the possibility of infection – it is recommended prior to placing a mask on that hand sanitization takes place – a mask can only be used once; and has a life of a maximum of 6 hours of continuous use)
Showcase21, an exclusive feature found on www.goldpost.com, displays 21 HD quality photos of listings. These photos will give you a good first look so you can determine whether a personal open house visit is worthwhile; saving you time and decreasing your chances of being exposed to germs and viruses.
The symptoms of H1N1 are fever, cough, sore throat, runny or stuffy nose, body aches, headache, chills and fatigue – a significant number of people also report diarrhoea and vomiting.
Lastly, don’t let flu stop you from finding your dream home. Start online from goldpost.com
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Tuesday, November 17, 2009
Getting your Home Ready for Winter
Winter is stomping its way across the country and will soon be on your doorstep! (If you live in Manitoba or Saskatchewan, this warning is a little late!)
Here are some tips to "winter-proofing" your home - or, at least, ways to keep the season from doing serious damage.
Furnace Inspection
Call an HVAC professional to inspect your furnace.
Stock up on furnace filters and change them monthly.
Consider turning on your furnace to make sure it works before you really need it. You may briefly notice a burning smell, don't panic right away; this is usually some of the dust in the ducts and radiators being burnt off by the first blast of heat.
Check Exterior of your Home
Check your driveway (if paved) for any cracks that may have developed over the summer. Seal them now, or water will get into them and freeze, making them bigger and more costly to fix in the Spring .
Bring in your lawn/deck furniture and barbeque, or cover them with tarps, tied down, so there is less chance of rust.
Seal Doors, Windows
Inspect exterior for crevice cracks and exposed entry points around pipes, and seal them. Cracks could expand and cause more damage in the spring when things start to thaw, and the spring rains come, resulting in a lot of leaking.
Use weather stripping around doors to prevent cold air from entering the home and caulk windows, tightly. Take a putty knife and remove the old caulking.
If you have an older home, you might want to consider putting plastic up to hold the heat in a little better.
Storm windows can make a huge difference far as both comfort and energy savings are concerned.
Inspect Roof, Gutters, Downspouts
Replace worn roof shingles or tiles; nail down loose shingles. Ice or snow getting under the shingles can cause a lot of damage to your roof.
Next time you have a heavy rain, go outside and check to see how the water flows in the gutters. If they're over flowing, chances are they need to be cleaned out of the falling fall leaves or they need to be replaced with larger gutters.
Check Smoke and Carbon Monoxide Detectors
Buy extra smoke detector batteries and change them when daylight savings ends.
Test smoke and carbon monoxide detectors to make sure they work.
Prevent Plumbing Freeze
Turn off the water supply to ALL outside water taps and drain the hoses (bring hoses indoors)
Insulate exposed plumbing pipes.
Locate your water main, in the event you need to shut it off in a wintertime emergency.
Prepare your Yard
Take the time to trim your trees and shrubs and cover the little ones with burlap so the weight of the snow doesn't break their branches.
Spread some bark much in your gardens to help your perennials get through the winter months.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Here are some tips to "winter-proofing" your home - or, at least, ways to keep the season from doing serious damage.
Furnace Inspection
Call an HVAC professional to inspect your furnace.
Stock up on furnace filters and change them monthly.
Consider turning on your furnace to make sure it works before you really need it. You may briefly notice a burning smell, don't panic right away; this is usually some of the dust in the ducts and radiators being burnt off by the first blast of heat.
Check Exterior of your Home
Check your driveway (if paved) for any cracks that may have developed over the summer. Seal them now, or water will get into them and freeze, making them bigger and more costly to fix in the Spring .
Bring in your lawn/deck furniture and barbeque, or cover them with tarps, tied down, so there is less chance of rust.
Seal Doors, Windows
Inspect exterior for crevice cracks and exposed entry points around pipes, and seal them. Cracks could expand and cause more damage in the spring when things start to thaw, and the spring rains come, resulting in a lot of leaking.
Use weather stripping around doors to prevent cold air from entering the home and caulk windows, tightly. Take a putty knife and remove the old caulking.
If you have an older home, you might want to consider putting plastic up to hold the heat in a little better.
Storm windows can make a huge difference far as both comfort and energy savings are concerned.
Inspect Roof, Gutters, Downspouts
Replace worn roof shingles or tiles; nail down loose shingles. Ice or snow getting under the shingles can cause a lot of damage to your roof.
Next time you have a heavy rain, go outside and check to see how the water flows in the gutters. If they're over flowing, chances are they need to be cleaned out of the falling fall leaves or they need to be replaced with larger gutters.
Check Smoke and Carbon Monoxide Detectors
Buy extra smoke detector batteries and change them when daylight savings ends.
Test smoke and carbon monoxide detectors to make sure they work.
Prevent Plumbing Freeze
Turn off the water supply to ALL outside water taps and drain the hoses (bring hoses indoors)
Insulate exposed plumbing pipes.
Locate your water main, in the event you need to shut it off in a wintertime emergency.
Prepare your Yard
Take the time to trim your trees and shrubs and cover the little ones with burlap so the weight of the snow doesn't break their branches.
Spread some bark much in your gardens to help your perennials get through the winter months.
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Monday, November 16, 2009
Should You Buy a New or Existing Home?
Buyers have so many choices these days. But after narrowing down the location and selecting the type of home you want to purchase (single-family or condo), there’s one more decision to make: Should you buy a new home or an existing one?
The answer depends upon both your budget and lifestyle.
Open up your local newspaper on any given day, and you’re likely to see ads from builders touting concessions such as free closing costs, upgraded cabinets and floorings, or options thrown in that can be worth thousands of dollars. The ads are enticing, and bargains can be had. But purchasing a new home is a major investment in time, as well as money. You’ll have to start decorating from square one, with paint and window treatments. You may need to install carpet. And if you’re looking for lush landscaping, you’ll have to wait for newly-planted foliage to grow in.
In addition, many new-home subdivisions are located on the outskirts of metropolitan areas, so be prepared to drive to jobs, schools and shopping.
Bargains on existing homes are available in many markets as well. An existing home that fits your tastes can save you time and money. There may be no need to purchase window treatments. The landscaping will be mature. And the costs of an existing home—such as utilities and taxes—are well established and easily known, while the real monthly costs on a new home are yet to be established.
Also, BC and Ontario residents should keep in mind that newly constructed homes prices will be affected once the HST takes effect on July 1, 2010. To understand how this new tax will change your total costs or to find your perfect new home, contact me today!
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
The answer depends upon both your budget and lifestyle.
Open up your local newspaper on any given day, and you’re likely to see ads from builders touting concessions such as free closing costs, upgraded cabinets and floorings, or options thrown in that can be worth thousands of dollars. The ads are enticing, and bargains can be had. But purchasing a new home is a major investment in time, as well as money. You’ll have to start decorating from square one, with paint and window treatments. You may need to install carpet. And if you’re looking for lush landscaping, you’ll have to wait for newly-planted foliage to grow in.
In addition, many new-home subdivisions are located on the outskirts of metropolitan areas, so be prepared to drive to jobs, schools and shopping.
Bargains on existing homes are available in many markets as well. An existing home that fits your tastes can save you time and money. There may be no need to purchase window treatments. The landscaping will be mature. And the costs of an existing home—such as utilities and taxes—are well established and easily known, while the real monthly costs on a new home are yet to be established.
Also, BC and Ontario residents should keep in mind that newly constructed homes prices will be affected once the HST takes effect on July 1, 2010. To understand how this new tax will change your total costs or to find your perfect new home, contact me today!
It's Your Career - I'm Here To Support YOU!
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
Blog / Website / Follow Me / LinkedIn
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Thursday, November 5, 2009
12 Tips to Slash Your Energy Bill.
Utility bills seem to get higher and higher every year. But you can save energy-and money-with these tips to make your home more energy-efficient.
Get a home energy survey from your local utility. Many will do a free analysis of your home and provide specific ways to save money on your utility bill.
Replace old furnaces and air conditioners with newer ones that are more energy efficient.
Install programmable thermostats.
Swap light bulbs for compact fluorescent bulbs bearing the Energy Star label.
Air dry dishes.
Turn off lights and ceiling fans when you leave a room.
Turn off computers and TVs when they are not being used.
Plug home electronic devices into power strips, and turn them off when the equipment is not being used. These devices often have a "standby" mode that uses power even when they are off.
Install a low-flow head on your shower. Opt for showers, not baths.
Only run the washer or dishwasher with full loads.
Purchase appliances that have the Energy Star label.
These tips can help you lower your energy use up to 25 percent! That will not only save you money now, but reduced utility bills could also help you command a higher price for your home when you sell.
If you are thinking of selling your home, talk to one of our Sales Representatives/Brokers today! It would be their pleasure to help you onto the path to your dream home.
It's Your Career - I'm Here To Support YOU!,
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
www.Twitter.com/ConstantineC21
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
Get a home energy survey from your local utility. Many will do a free analysis of your home and provide specific ways to save money on your utility bill.
Replace old furnaces and air conditioners with newer ones that are more energy efficient.
Install programmable thermostats.
Swap light bulbs for compact fluorescent bulbs bearing the Energy Star label.
Air dry dishes.
Turn off lights and ceiling fans when you leave a room.
Turn off computers and TVs when they are not being used.
Plug home electronic devices into power strips, and turn them off when the equipment is not being used. These devices often have a "standby" mode that uses power even when they are off.
Install a low-flow head on your shower. Opt for showers, not baths.
Only run the washer or dishwasher with full loads.
Purchase appliances that have the Energy Star label.
These tips can help you lower your energy use up to 25 percent! That will not only save you money now, but reduced utility bills could also help you command a higher price for your home when you sell.
If you are thinking of selling your home, talk to one of our Sales Representatives/Brokers today! It would be their pleasure to help you onto the path to your dream home.
It's Your Career - I'm Here To Support YOU!,
Constantine Isslamow
Real Estate Broker/Mortgage Broker/Manager
Century 21 United Realty Inc. Brokerage/CENTUM Core Financial Inc.
Independently Owned and Operated
www.Twitter.com/ConstantineC21
CENTUM Core Financial Inc. Brokerage License #: 10642 Constantine Isslamow License#: M08005391
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