http://activerain.com/blogs/centumregal en-us http://activerain.com/blogsview/1165875/search-durham-region-homes-for-sale-by-owner-free <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1163035/search-durham-region-homes-for-sale-by-owner-free">Durham Region For Sale By Owner (HomesByOwner of Durham Region)</a></b>:<br/><blockquote><p style="text-align: justify;">You can search <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Durham Region Homes For Sale By Owner" target="_blank">Durham Region Homes For Sale By Owner</a> free of charge. You will not be asked for any personal information. You don't have to signup to receive the information on properties for sale in Durham Region.</p> <p style="text-align: justify;">HomesByOwner of Durham Region offers <a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="FSBO Advertising" target="_blank">FSBO Advertising</a> unmatched by any other company. We provide the exposure that will attract potential buyers to our private sales.</p> <p style="text-align: justify;">Check out our website for <a href="http://www.homesbyowner.com/durham" title="Private Real Estate Sales" target="_blank">Private Real Estate Sales</a>.</p> <p><img title="HomesByOwner.com" src="http://activerain.com/image_store/uploads/8/2/9/6/3/ar124828055136928.gif" height="75" alt="HomesByOwner.com" width="269" /></p> <p><a href="http://www.twitter.com/homesbyowner" title="Twitter" target="_blank"><img title="Twitter" src="http://activerain.com/image_store/uploads/2/5/6/9/5/ar124828199459652.jpg" height="76" alt="Twitter" width="130" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Fri, 24 Jul 2009 10:25:13 -0500 http://activerain.com/blogsview/1165875/search-durham-region-homes-for-sale-by-owner-free http://activerain.com/blogsview/1165874/toronto-rental-3-bedrooms-main-floor-of-a-bungalow <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1163184/toronto-rental-3-bedrooms-main-floor-of-a-bungalow">Durham Region For Sale By Owner (HomesByOwner of Durham Region)</a></b>:<br/><blockquote><p style="text-align: justify;">Check out this <a href="http://www.homesbyowner.com/52633" title="Toronto Rental" target="_blank">Toronto Rental</a>. It is 3 bedrooms on the main floor of a bungalow. It is located in the Kennedy/Eglinton area. Close by are restaurants, banks, the subway, etc. Rent is $1,100 plus 1/2 of the utilities.</p> <p style="text-align: justify;">For contact info - <a href="http://www.homesbyowner.com/52633" title="Toronto Houses For Rent" target="_blank">Toronto Houses For Rent</a></p> <p style="text-align: justify;"><img title="Durham Region For Sale By Owner" src="http://activerain.com/image_store/uploads/2/2/9/4/4/ar124828701744922.gif" height="75" alt="Durham Region For Sale By Owner" width="269" /></p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region For Sale By Owner" target="_blank">Durham Region For Sale By Owner</a> website.</p> <p style="text-align: justify;"><a href="http://www.twitter.com/homesbyowner" title="Twitter" target="_blank"><img title="Twitter" src="http://activerain.com/image_store/uploads/9/1/3/5/8/ar124828716285319.jpg" height="76" alt="Twitter" width="130" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Fri, 24 Jul 2009 10:24:57 -0500 http://activerain.com/blogsview/1165874/toronto-rental-3-bedrooms-main-floor-of-a-bungalow http://activerain.com/blogsview/1165872/sell-privately-in-this-hot-real-estate-market <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1165062/sell-privately-in-this-hot-real-estate-market">Durham Region For Sale By Owner (HomesByOwner of Durham Region)</a></b>:<br/><blockquote><p>You can sell privately and save thousands of dollars in real estate fees. The real estate market is heating up. Our sellers are receiving a lot of inquiries about their property. Some are working on offers.</p> <p style="text-align: justify;">For a few hundred dollars, you can save $10,000, $20,000 or even more in real estate agents commissions. We aggressively market your home to create maximum exposure. Our goal is to place a 'SOLD' sticker on your yard sign. But you are not alone. We will guide you through your private sale.</p> <p style="text-align: justify;">Call us at 905.718.FSBO (3726) or Toll Free 866.964.FSBO (3726) to list your home on HomesByOwner of Durham Region.</p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> website.</p> <p style="text-align: justify;">See what our <a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Durham Region For Sale By Owner" target="_blank">Durham Region For Sale By Owner</a> company has to offer.</p> <p style="text-align: justify;"><a href="http://www.twellow.com/user/homesbyowner" title="Twellow" target="_blank"><img title="HomesByOwner.com" src="http://activerain.com/image_store/uploads/3/6/9/6/5/ar124838562956963.jpg" height="140" alt="HomesByOwner.com" width="140" /></a></p> <p>&nbsp;</p></blockquote></div> CENTUM Regal Financial Corp. Fri, 24 Jul 2009 10:24:37 -0500 http://activerain.com/blogsview/1165872/sell-privately-in-this-hot-real-estate-market http://activerain.com/blogsview/1165868/buying-a-for-sale-by-owner-property <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1165858/buying-a-for-sale-by-owner-property">Durham Region For Sale By Owner (HomesByOwner of Durham Region)</a></b>:<br/><blockquote><p style="text-align: justify;">Here are some tips for buying a For Sale By Owner property. More and more private sales are showing up on the market. Buyers now have the option to deal directly with the owner. After all, who knows it better?</p> <ol> <li style="text-align: justify;">Determine your budget. Before you start the process of looking, determine what your comfort zone is. Don't forget to factor in property taxes, utilities and unexpected repairs.</li> <li style="text-align: justify;">Get pre-approved for a mortgage. You can waste your time if you don't make this your first step. Credit ratings and debt loads will determine what you qualify for. If you don't make this your priority, you can spend a lot of time looking at homes you cannot afford. Another benefit of a pre-approval is the mortgage company will lock in the rate, in some cases up to 120 days. This is great insurance incase rates rise before you take possession of the home.<br /></li> <li style="text-align: justify;">Search for your new home. It is estimated that 90% of buyers use the internet to search for their next home. You can subscribe to the buyers update option offered on HomesByOwner.com. Popular websites for real estate sales are Kijiji.ca and Craigslist.ca.</li> <li style="text-align: justify;">Contact the seller. Once you find a private sale you are interested in, contact the owner directly. You will find this a relaxing experience as there is no commissioned sales person involved. Ask your questions and make an appointment to view the property.</li> <li style="text-align: justify;">Determine if this is the home for you. You might require parks, certain schools for the kids or other factors that will make this a good choice for you. You can change most features in a home, but not the location.</li> <li style="text-align: justify;">Hire a lawyer. You might find that it is a good idea to get the advice of a lawyer before you go too far. They can help you prepare and offer as well.</li> <li style="text-align: justify;">Get the home inspected. You can make this a condition in the offer you make. It is a common clause in agreements these days. If the inspector finds something that you will not accept, it is your opportunity to back out of the deal.</li> <li style="text-align: justify;">Closing the deal. This is where your lawyer earns their fee. They will make sure all the T's are crossed and the I's are dotted. When you are handed the keys on closing day, you can be assured that nothing will come back to haunt you.</li> </ol> <p style="text-align: justify;">As stated earlier, buying directly from the owner has its benefits. No one knows the property better than someone that has lived there for years. Plus there is no pressure to make a move and you have time to 'sleep on it'.</p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region For Sale By Owner" target="_blank">Durham Region For Sale By Owner</a> website. There you can sign up to receive new and updated listings on HomesByOwner.com.</p> <p>Search <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Durham Region Real Estate" target="_blank">Durham Region Real Estate</a> private homes for sale.</p> <p><a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank"><img title="Durham Region Homes For Sale" src="http://activerain.com/image_store/uploads/6/3/7/4/2/ar124844859224736.gif" height="75" alt="Durham Region Homes For Sale" width="269" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Fri, 24 Jul 2009 10:24:16 -0500 http://activerain.com/blogsview/1165868/buying-a-for-sale-by-owner-property http://activerain.com/blogsview/668393/how-to-work-with-real-estate-offers-when-selling <p><p>Here is some good information of home sellers.</p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/668388/How-To-Work-With">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">Selling real estate is a very traumatic time. This is especially true when it comes time to deal with an offer. You are about to sign an agreement that commits you to a sale in the hundreds of thousands of dollars.</p> <p style="text-align: justify;">Then a buyer comes along and presents you with an insult, not an offer. You will get situations like this whether you are listed with a real estate broker or selling privately. There is no way to avoid it. You have to understand some buyers feel they have to start low to get their best price. This is a misconception on their part.</p> <p style="text-align: justify;">Should this happen to you, here are some options for you to consider.</p> <p style="text-align: justify;">You can give them a counter-offer for what you were going to accept as a final selling price. For example, your property is listed at $299,000. The offer presented to you is for $250,000. If your lowest price is $295,000, sign the offer back at that. If they resurface, tell them it is your best price. Should they will not accept it and they walk, you have not lost anything.</p> <p style="text-align: justify;">Do not touch the offer at all. When the buyer asks why not, you can tell them you will get serious when they do.</p> <p style="text-align: justify;">Our suggestion is to work with the first scenario. Do your homework and have the listings for comparable properties that sold recently.&nbsp;Supply them with copies when the offer is presented to&nbsp;them.&nbsp;&nbsp;</p> <p style="text-align: justify;">HomesByOwner of Durham Region recommends that all buyers and sellers consult with a real estate lawyer prior to entering into a&nbsp; written agreement.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Home" target="_blank">Sell Your Home</a> on our for sale by owner website.</p> <p style="text-align: justify;">Learn more about <a href="http://www.homesbyowner.com/47091" title="Private Real Estate" target="_blank">Private Real Estate</a> sales.</p> <p style="text-align: justify;">Check out our Durham Region FSBO website for <a href="http://www.homesbyowner.com/durham" title="Private Sales" target="_blank">Private Sales</a>.</p></blockquote></div> CENTUM Regal Financial Corp. Sun, 31 Aug 2008 15:28:15 -0500 http://activerain.com/blogsview/668393/how-to-work-with-real-estate-offers-when-selling http://activerain.com/blogsview/668334/what-is-a-condo-status-certificate- <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/668326/What-Is-A-Condo">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">A condo status certificate is a health report of the condominium corporation for which it was prepared. It was previously called an estoppel certificate.</p> <p style="text-align: justify;">Status certificates are generally ordered when a buyer submits an offer to purchase a unit in the condo complex. They will make the agreement conditional upon receiving one and their lawyer reviewing and reporting the findings to them. Based on the information revealed in the report, the buyer will decide whether they want to proceed with the transaction.</p> <p style="text-align: justify;">The cost of a status certificate is $100 maximum with includes taxes. A written request with the fee is made to the management company, who has up to 10 days to prepare it. The report will include the declaration, by-laws, budget, financial statements, rules, insurance certificate, etc. of the corporation. Also included will be the number of rented units in the complex, as this might be a factor for consideration by some buyers.</p> <p style="text-align: justify;">The status certificate must disclose the state of the reserve fund. This is the account that money is held in for future updating and repairs of the building(s). Also included are any possible lawsuits and any information regarding the future increase of the monthly maintenance fees.</p> <p style="text-align: justify;">If you are selling a condo, you might consider ordering a status certificate at the time you put the property up for sale. In most cases, a buyer will insert a condition in their offer requesting one and enough time for their real estate lawyer to review it. As a seller, with the status certificate in hand, you will have enough time to clarify any issues with the management company. By ordering the certificate early, you can save the 10 days the buyer will request in their condition.</p> <p style="text-align: justify;">Generally the buyer's lawyer will order another status certificate if the closing date is more than 60 days down the road. If you are the purchaser, be prepared to pay $100 for an updated one.</p> <p style="text-align: justify;">For more information, see the <a href="http://www.gov.on.ca/MGS/en/ConsProt/STEL02_045929.html" title="Ontario Condominium Act" target="_blank">Ontario Condominium Act</a>.</p> <p style="text-align: justify;">As with any legal transaction, HomesByOwner of Durham Region recommends you consult a real estate lawyer prior to entering into a written agreement.</p> <p style="text-align: justify;">See <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> on HomesByOwner.com.</p> <p style="text-align: justify;">Learn more about <a href="http://www.homesbyowner.com/durham" title="Private Real Estate" target="_blank">Private Real Estate</a> sales.</p> <p style="text-align: justify;"><img title="HomesByOwner.com" src="http://activerain.com/image_store/uploads/8/7/6/0/7/ar122021026570678.gif" height="75" alt="HomesByOwner.com" width="269" /></p></blockquote></div> CENTUM Regal Financial Corp. Sun, 31 Aug 2008 14:29:01 -0500 http://activerain.com/blogsview/668334/what-is-a-condo-status-certificate- http://activerain.com/blogsview/668332/selling-condos-requires-that-the-owner-confirm-the-maintenance-fees-and-what-is-covered <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/668189/Selling-Condos-Requires-That">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">When selling condos, sellers must confirm the monthly maintenance fees. On the Ontario Agreement of Purchase and Sale, they will be required to verify what they pay to the company that manages the condominium. The buyer will want confirmation what the fees are and what they cover.</p> <p style="text-align: justify;">Condo fees are based on the size of the unit and the cost to run the complex. For example, if the operating costs are $.20 per square foot each month, a 1,500 square foot unit will pay $300,00. A 1,000 square foot unit will pay $200.00 a month. The management company will break the expenses down on a square foot basis. Then this figure is multiplied by the square footage of each unit.</p> <p style="text-align: justify;">The services that condo fees cover will vary from condo to condo. The most common ones are the:</p> <ul style="text-align: justify;"> <li>Water bill. In most cases there is a single water line with one meter that services the complex.</li> <li>Outside maintenance. This can include snow plowing and cutting the grass.</li> <li>Maintenance of common elements. These are areas that all unit owners use. For example, the hall ways in a condo apartment building.</li> <li>Hydro. Some condo complexes do not have individual meters for each unit. The management will receive a single bill from the power company and this expense will be shared by all units.</li> <li>Building insurance. To insure that the entire complex is adequately covered, the management company will purchase fire insurance. This cost will be paid by all units through the monthly maintenance fees. Each owner must purchase their own contents insurance.</li> <li>Reserve fund. In Ontario every condo corporation must maintain a reserve fund. Every month a specified amount of money is collected from each unit to contribute to this fund. It is not uncommon for the balance to run into the hundreds of thousands of dollars. The management company will use this money should a repair or maintenance be required. An example is installing a new roof. If this runs $100,000, the money would be available from the fund. This eliminates the need for the company to chase each unit owner for their share.</li> </ul> <p style="text-align: justify;">When purchasing a condo, be sure to confirm what the monthly maintenance fees are and what they cover. &nbsp;</p> <p style="text-align: justify;">&nbsp;</p> <p style="text-align: justify;"><img title="Condos" src="http://activerain.com/image_store/uploads/7/8/2/2/9/ar122020436292287.JPG" height="480" alt="Condos" width="638" /></p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> company.</p> <p style="text-align: justify;">Learn more about <a href="http://www.homesbyowner.com/47091" title="Selling Condos" target="_blank">Selling Condos</a> on HomesByOwner.com.&nbsp;</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Private List" target="_blank">Private List</a> your Durham Region Real Estate.</p></blockquote></div> CENTUM Regal Financial Corp. Sun, 31 Aug 2008 14:28:09 -0500 http://activerain.com/blogsview/668332/selling-condos-requires-that-the-owner-confirm-the-maintenance-fees-and-what-is-covered http://activerain.com/blogsview/661122/plan-to-attend-oshawa-ribfest-september-5th-6th-7th <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/661117/Plan-To-Attend-Oshawa">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">The popular <a href="http://www.oshawaribfest.com/" title="Oshawa Ribfest" target="_blank">Oshawa Ribfest</a> is returning on September 5^th, 6^th and 7^th. It is hosted by the Rotary Club of Oshawa. This is the 7^th year for this event that draws thousands every year.</p> <p style="text-align: justify;">The setting is at Lakeview Park on the shores of Lake Ontario. It is easy to find if you follow Simcoe Street South to the end. Maps and directions to the <a href="http://www.oshawaribfest.com/dnm.html" title="Oshawa Ribfest" target="_blank">Oshawa Ribfest</a> can be found here.</p> <p style="text-align: justify;">Don't miss the entertainment that this event brings. You can see <a href="http://www.danclancy.com" title="Dan Clancy" target="_blank">The Dan Clancy Band</a>, <a href="http://www.twofortheshow.org" title="Two For The Show" target="_blank">Two For The Show</a> and <a href="http://www.thenewcomers.ca" title="The Newcomers" target="_blank">The Newcomers</a>, just to name a few. On Saturday afternoon, take-in the Las Vegas Rockin' All Star Legends. This includes imitations of Celin Dion, Roy Orbinson and Garth Brooks<strong>.</strong></p> <p style="text-align: justify;">Plan to attend this fun time that takes place the weekend following Labour Day. All proceeds from Ribfest are used by the Rotary Club of Oshawa to support children and youth activities and services in our community.</p> <p style="text-align: justify;">See <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a>.</p> <p style="text-align: justify;"><a href="http://www.oshawaribfest.com/about.html" title="Oshawa Ribfest" target="_blank"><img title="Oshawa Ribfest" src="http://activerain.com/image_store/uploads/2/9/2/7/1/ar121979808017292.jpg" height="240" alt="Oshawa Ribfest" width="320" /></a></p> <p style="text-align: justify;"><a href="http://www.oshawa.ca/" title="Oshawa" target="_blank"><img title="Oshawa" src="http://activerain.com/image_store/uploads/5/1/1/2/6/ar121979811762115.jpg" height="240" alt="Oshawa" width="320" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Tue, 26 Aug 2008 19:58:11 -0500 http://activerain.com/blogsview/661122/plan-to-attend-oshawa-ribfest-september-5th-6th-7th http://activerain.com/blogsview/660574/how-to-handle-multiple-offers-when-buying-or-selling-real-estate <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/660565/How-To-Handle-Multiple">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">In some markets, multiple offers can show up whether you are buying or selling real estate. As a seller it is a pleasant experience, while buyers have a different set of emotions to deal with.</p> <p style="text-align: justify;">Sellers love situations like this. They have 2 or more buyers interested in their home. It is not uncommon for the top bidder to pay the asking price or more. In some areas, the selling price can be tens of thousands of dollars more than they were asking.</p> <p style="text-align: justify;">The buyer has spent weeks, even months to find the perfect home. They have lost sleep trying to decide what house to buy. With multiple offers they now have an unpleasant situation to deal with. That is assuming they decide to face some competition and submit an offer on a property that already has one.</p> <p style="text-align: justify;">As a seller let all buyers know that there is more than one offer on the property. Do not disclose any details to others. Tell them they have to give it their best shot.</p> <p style="text-align: justify;">A buyer submitting an offer has to decide how much they want to pay. They have spent time shopping for the perfect house. A good idea is have a market evaluation completed to determine the value of the property. How much you go over this figure is a decision only you can make.</p> <p style="text-align: justify;">If you are a seller and accept one of the offers, do not disclose any details to anyone until all conditions have been waived. There are situations where the agreement falls apart. Should this happen to you, you can call the buyer with the competing offer. They might submit a new one, and if so, you don't want it influenced by the one that fell through.</p> <p style="text-align: justify;">Search <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Private Home Sales" target="_blank">Private Home Sales</a> in Durham Region.</p> <p style="text-align: justify;">Find out what people are saying about our <a href="http://www.homesbyowner.com/durham/metro_testimonials.asp?testimonial_id=418#testimonial418" title="Durham Region For Sale By Owner" target="_blank">Durham Region For Sale By Owner</a> real estate company.</p> <p style="text-align: justify;">Find Durham Region homes for sale on <a href="http://www.homesbyowner.com/durham/map.asp?mv=0" title="Google Maps" target="_blank">Google Maps</a>.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Sell A Home" target="_blank"><img title="Sell A Home" src="http://activerain.com/image_store/uploads/2/0/3/3/7/ar12197790373302.gif" height="60" alt="Sell A Home" width="468" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Tue, 26 Aug 2008 14:35:55 -0500 http://activerain.com/blogsview/660574/how-to-handle-multiple-offers-when-buying-or-selling-real-estate http://activerain.com/blogsview/660446/when-is-the-best-time-to-sell-your-home <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/660435/When-Is-The-Best">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">A question we get asked a lot is when is the best time to sell a home. Unfortunately there is really no correct answer. There are years where there is neither a spring or fall market. Sometimes the summer of even the winter is very active.</p> <p style="text-align: justify;">In real estate there are generally 2 markets; spring and fall. You can expect spring to be the strongest. This is due to owners selling and moving in the summer when the kids are out of school. Others might sell in the fall and move over the Christmas break.</p> <p style="text-align: justify;">This question is generally asked for 2 reasons. The seller wants a quick sale plus top dollar for their home. Doesn't everybody? To achieve this there must be lots of buyers looking. They are the ones that drive the market.</p> <p style="text-align: justify;">When is the best time to sell your home? When you decide to move. If you sell in a busy market, you will be buying in the same.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Own Home" target="_blank">Sell Your Own Home</a> on the HomesByOwner of Durham Region website.&nbsp;</p> <p style="text-align: justify;">Learn how to <a href="http://www.homesbyowner.com/47091" title="Sell Privately" target="_blank">Sell Privately</a> and save paying real estate agents commmissions.</p> <p style="text-align: justify;">Check out our Durham Region <a href="http://www.homesbyowner.com/durham" title="Sale By Owner Real Estate" target="_blank">Sale By Owner Real Estate</a> company.</p></blockquote></div> CENTUM Regal Financial Corp. Tue, 26 Aug 2008 13:47:13 -0500 http://activerain.com/blogsview/660446/when-is-the-best-time-to-sell-your-home http://activerain.com/blogsview/657778/keep-up-to-date-with-durham-region-news <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/657772/Keep-Up-To-Date">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">You can keep current with <a href="http://newsdurhamregion.com/" title="Durham Region News" target="_blank">Durham Region News</a>. Whether you are a local resident or have visited the area, you have the opportunity to keep abreast of all news.</p> <p style="text-align: justify;">If you are looking for what's going on in the Region, check the <a href="http://newsdurhamregion.com/news/durham" title="Durham News" target="_blank">Durham News</a>. You can also visit <a href="http://newsdurhamregion.com/news/ajax" title="Ajax News" target="_blank">Ajax News</a>, <a href="http://newsdurhamregion.com/news/pickering" title="Pickering News" target="_blank">Pickering News</a>, <a href="http://newsdurhamregion.com/news/whitby" title="Whitby News" target="_blank">Whitby News</a>, <a href="http://newsdurhamregion.com/news/oshawa" title="Oshawa News" target="_blank">Oshawa News</a>, <a href="http://newsdurhamregion.com/news/clarington" title="Clarington News" target="_blank">Clarington News</a>, <a href="http://newsdurhamregion.com/news/brock" title="Brock News" target="_blank">Brock News</a>, <a href="http://newsdurhamregion.com/news/uxbridge" title="Uxbridge News" target="_blank">Uxbridge News</a> and <a href="http://newsdurhamregion.com/news/scugog" title="Scugog News" target="_blank">Scugog News</a>.</p> <p style="text-align: justify;">Topics you can keep updated on in Durham Region are <a href="http://newsdurhamregion.com/news/sports" title="Sports" target="_blank">Sports</a>, <a href="http://newsdurhamregion.com/news/education" title="Education" target="_blank">Education</a>, <a href="http://newsdurhamregion.com/news/business" title="Business" target="_blank">Business</a> and <a href="http://newsdurhamregion.com/news/entertainment" title="Entertainment" target="_blank">Entertainment</a>. You have the ability to subscribe to RSS so you don't miss anything.</p> <p style="text-align: justify;"><img title="Durham Region" src="http://activerain.com/image_store/uploads/6/9/7/4/4/ar121962880644796.jpg" height="99" alt="Durham Region" width="65" /></p> <p style="text-align: justify;">See <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a>.</p></blockquote></div> CENTUM Regal Financial Corp. Sun, 24 Aug 2008 20:55:13 -0500 http://activerain.com/blogsview/657778/keep-up-to-date-with-durham-region-news http://activerain.com/blogsview/657469/why-the-internet-will-help-the-fsbo-market-to-continue-to-grow <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/657458/Why-The-Internet-Will">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">The internet is a teenager. In terms of years, it is in its early teens. Although it seems like it has been around for decades, it is still in its early years.</p> <p style="text-align: justify;">The &lsquo;information highway' has certainly changed the way we live. Online we can shop, book vacations and flights, sell stuff, watch movies, download music, email and find directions to where we want to go. The question is what is there that we cannot do on the internet.</p> <p style="text-align: justify;">Years ago, the problem real estate owners had selling privately was marketing their property to potential buyers. They could run an ad in the newspaper, however this form of advertising is expensive. Plus the ad had a short shelf life.</p> <p style="text-align: justify;">Now private sellers can post their property on local classified websites like <a href="http://www.durhamcentral.com" title="Durham Central" target="_blank">Durham Central</a> and <a href="http://www.oshawa.kijiji.ca" title="Kijiji" target="_blank">Kijiji</a>. Since consumers are doing a lot of shopping on the internet, they find this a convenient way to shop for a new home.</p> <p style="text-align: justify;">Those joining the for sale by owner market can now utilize the services of online companies like HomesByOwner.com. They provide the marketing tools required to effectively put the property in front of potential buyers. Over 80% of consumers start their search for a new home on the internet.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Home" target="_blank">Sell Your Home</a> on the Durham Region for sale by owner website.</p> <p style="text-align: justify;">Search <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a>.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="For Sale By Owner" target="_blank"><img title="For Sale By Owner" src="http://activerain.com/image_store/uploads/9/0/1/4/5/ar121961282054109.jpg" height="170" alt="For Sale By Owner" width="170" /></a>&nbsp;</p></blockquote></div> CENTUM Regal Financial Corp. Sun, 24 Aug 2008 16:27:34 -0500 http://activerain.com/blogsview/657469/why-the-internet-will-help-the-fsbo-market-to-continue-to-grow http://activerain.com/blogsview/657284/ways-you-can-add-value-to-your-home <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/657275/Ways-You-Can-Add">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">Here are some ideas that will add value to your home.</p> <ul style="text-align: justify;"> <li>Bathrooms. This is one room in a home that you can renovate and recover the cost when you sell. An out-dated bathroom will prohibit the home from selling for top dollar.</li> <li>Kitchens. Like bathrooms, you will generally recover the money you spend here to update. Keep costs in line if you are selling in the near future.</li> <li>Adding additions. You might consider adding another bedroom, bathroom, family room or enlarging the kitchen. This is money well spent as it adds square footage to the home. You do not necessarily have to put a basement under it as this will increase the cost to the point where it is not worth it.</li> <li>Adding crown molding. This is an inexpensive project that can really dress up a room. In fact, if you are handy, you might consider doing it yourself.</li> <li>Add hardwood or ceramic tile. This type of flooring is very popular. It adds a lot to a room and is highly desirable due to the easy maintenance. Again it is something you might consider installing yourself.</li> <li>Storage system in the garage. This might include a hanging unit from the ceiling or shelving built along the walls.</li> <li>Other additions that add value are a garage, patio, deck or porch.</li> <li>If the driveway is in poor shape, look into having it redone.</li> <li>Painting. This is an inexpensive way to freshen up your home. It may not bring more money, but it could allow the home to sell faster.</li> </ul> <p style="text-align: justify;">If you are selling in the near future, don't go overboard with the quality of materials. Keep in mind that buyers will not pay extra for a bathroom with a $2,000 tub than one that cost $1,000.</p> <p style="text-align: justify;">Since buyers judge a home by the outside, take some time to trim the landscaping, cut the lawn on a regular basis, repaint the garage and front door and clean all the windows. If these are not appealing, a buyer will consider that the rest of the home has not been properly maintained.</p> <p style="text-align: justify;"><img title="Bathroom" src="http://activerain.com/image_store/uploads/2/0/9/6/6/ar121960286066902.JPG" height="479" alt="Bathroom" width="637" /></p> <p style="text-align: justify;"><img title="Hardwood" src="http://activerain.com/image_store/uploads/2/8/0/0/1/ar121960289710082.JPG" height="479" alt="Hardwood" width="637" /></p> <p style="text-align: justify;"><img title="Bathroom" src="http://activerain.com/image_store/uploads/4/2/0/6/2/ar12196029326024.JPG" height="479" alt="Bathroom" width="637" /></p> <p style="text-align: justify;">Learn how <a href="http://www.homesbyowner.com/47091" title="Private For Sale" target="_blank">Private For Sale</a> real estate works.</p> <p style="text-align: justify;">See <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="For Sale Houses" target="_blank">For Sale Houses</a> in Durham Region.</p> <p style="text-align: justify;">Check out our Du<a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">rham Region Homes For Sale</a> website.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Durham Region Real Estate" target="_blank"><img title="Durham Region Real Estate" src="http://activerain.com/image_store/uploads/7/2/5/8/1/ar121960327018527.gif" height="75" alt="Durham Region Real Estate" width="269" /><strong></strong></a></p></blockquote></div> CENTUM Regal Financial Corp. Sun, 24 Aug 2008 13:46:16 -0500 http://activerain.com/blogsview/657284/ways-you-can-add-value-to-your-home http://activerain.com/blogsview/657091/homesbyowner-of-durham-region-proudly-participates-in-a-worthwhile-fund-raising-event <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/657083/HomesByOwner-of-Durham-Region">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">On Saturday, August 23, HomesByOwner of Durham Region participated in a funding raising event in Bowmanville. The organizers wanted to raise some money to help a young family in their church. The husband has just been diagnosed with cancer.</p> <p style="text-align: justify;">In addition to HomesByOwner.com, other businesses contibuted&nbsp;their help,&nbsp;items for the silent auction and donations. To name a few:</p> <ul> <li> <div style="text-align: justify;"><a href="http://www.apominspections.com" title="APOM Home Inspections" target="_blank">APOM Home Inspections</a> - Daniel Giddings</div> </li> <li> <div style="text-align: justify;"><a href="http://www.littlewillysconstruction.com" title="Little Willys Construction" target="_blank">Little Willys Contstruction</a> - Will Littlejohn</div> </li> <li> <div style="text-align: justify;"><a href="http://www.hoopersjewellers.com/" title="Hoopers Jewellers" target="_blank">Hoopers Jewellers</a> -&nbsp; Bowmanville - Ron Hooper</div> </li> <li> <div style="text-align: justify;"><a href="http://www.homedepot.ca" title="Home Depot" target="_blank">Home Depot</a></div> </li> <li> <div style="text-align: justify;"><a href="http://www.therentalhub.com/index.php" title="The Rental Hub" target="_blank">The Rental Hub</a> - Bowmanville</div> </li> <li> <div style="text-align: justify;"><a href="http://www.timsrentall.com/" title="Tims Rent-All" target="_blank">Tims Rent-All</a> - Bowmanville</div> </li> <li> <div style="text-align: justify;"><a href="http://www.drps.ca" title="Durham Region Police Service" target="_blank">Durham Region Police Service</a></div> </li> <li> <div style="text-align: justify;"><a href="http://www.clarington.net/htdocs/index.html" title="Municipality of Clarington" target="_blank">Municipality of Clarington</a></div> </li> </ul> <p style="text-align: justify;"><img title="Fund Raiser" src="http://activerain.com/image_store/uploads/7/6/0/0/7/ar121959098670067.JPG" height="479" alt="Fund Raiser" width="637" /></p> <p style="text-align: justify;"><img title="HomesByOwner of Durham Region" src="http://activerain.com/image_store/uploads/6/3/2/2/2/ar121959109822236.JPG" height="479" alt="HomesByOwner of Durham Region" width="637" /></p> <p style="text-align: justify;"><img title="Durham Region Police Service" src="http://activerain.com/image_store/uploads/3/3/2/3/6/ar121959115663233.JPG" height="479" alt="Durham Region Police Service" width="637" /></p> <p style="text-align: justify;"><img title="Durham Region For Sale By Owner" src="http://activerain.com/image_store/uploads/4/9/6/3/7/ar121959133873694.JPG" height="479" alt="Durham Region For Sale By Owner" width="637" /></p> <p style="text-align: justify;"><img title="Bowmanville Real Estate" src="http://activerain.com/image_store/uploads/8/2/9/8/6/ar121959140068928.JPG" height="479" alt="Bowmanville Real Estate" width="637" /></p> <p style="text-align: justify;"><img title="Clarington Homes For Sale" src="http://activerain.com/image_store/uploads/8/8/5/1/4/ar121959144341588.JPG" height="480" alt="Clarington Homes For Sale" width="640" /></p> <p style="text-align: justify;"><img title="Bowmanville Homes For Sale" src="http://activerain.com/image_store/uploads/1/1/3/7/2/ar121959149127311.JPG" height="479" alt="Bowmanville Homes For Sale" width="637" /></p> <p style="text-align: justify;">Congratulations to the highest bidder on the For Sale By Owner package provided by HomesByOwner.com. You will see their new listing on our website in the next couple of weeks.</p> <p style="text-align: justify;">HomesByOwner of Durham Region is happy to contribute to charity events. You can contact us at 905.718.3726, Toll Free&nbsp;866.964.3726 or <a href="http://www.homesbyowner.com/durham/MailForm.asp" title="Durham Region Homes By Owner" target="_blank">Email</a>.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Durham Region Real Estate" target="_blank"><img title="Durham Region Real Estate" src="http://activerain.com/image_store/uploads/1/3/9/2/6/ar121959175362931.gif" height="75" alt="Durham Region Real Estate" width="269" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Sun, 24 Aug 2008 10:43:45 -0500 http://activerain.com/blogsview/657091/homesbyowner-of-durham-region-proudly-participates-in-a-worthwhile-fund-raising-event http://activerain.com/blogsview/652206/flipping-real-estate-be-careful-of-pitfalls <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/636412/Flipping-Real-Estate-Be">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p><strong>If you are considering flipping real estate, be careful of pit falls.</strong></p> <p style="text-align: justify;"><strong>In recent years, some TV programs show individuals that are &lsquo;flipping' and making a bundle of money. If only it was that easy. Then everyone would be doing it. These shows do not introduce the guy that lost money. All TV shows have a happy ending. </strong></p> <p style="text-align: justify;"><strong>The best advice is to consider the worst case scenario. What can go wrong that will blow the entire project up and reduce your projected profit? Or worst still, end up in negative figures.</strong></p> <p><strong>Here are some ideas on what to look for when considering flipping real estate.</strong></p> <ol> <li style="text-align: justify;"><strong>If you are purchasing the property as a flip, don't let emotions get in the way. Look at it strictly as a numbers game. If the level of profit you require is not there, pass on it and look for something else.</strong></li> <li style="text-align: justify;"><strong>Financing a property that you are going to flip is difficult. Prior to entering into an agreement, explore your mortgage options.</strong></li> <li style="text-align: justify;"><strong>Buying is easy. Selling could be a lot harder. Be prepared to have the property on the market for a period of time. Although you might think it will sell in a couple of weeks, it might take 6 months. Ongoing costs will be utilities, maintenance, property taxes and mortgage payments. Factor in for the long haul and if it sells faster, consider it a bonus.</strong></li> <li style="text-align: justify;"><strong>Know what costs are involved before you buy. Prepare a work sheet that details everything required to market the property for top dollar. You might make your offer conditional on a contractor viewing the property to provide estimates for repairs. Once this is done, add a figure for surprises. Again, if this expense is not necessary, it is extra profit.</strong></li> <li style="text-align: justify;"><strong>The market might drop into a slump before you list the property. Real estate markets change from month-to-month. When you get ready to sell, it could be awful quiet out there.</strong></li> <li style="text-align: justify;"><strong>The cost to buy real estate is minimal. There are no realtor fees to pay, however legal fees can run around $1,000. Selling is different. You can market the property as a <a href="http://www.homesbyowner.com/durham/ListYourHomeFO.asp" title="Private Sale" target="_blank">Private Sale</a> on HomesByOwner.com. If you list with a real estate agent, the commission will run in the range of 5-6% plus GST. Closing costs are higher than a purchase as the buyer's lawyer does the bulk of the work in a transaction. You also have to pay </strong><a href="http://www.homesbyowner.com/durham/Buying_Fsbo_Template.asp?Page_Id=14035" title="Ontario Land Transfer Tax" target="_blank"><strong>Ontario</strong><strong> </strong><strong>Land</strong></a><strong><a href="http://www.homesbyowner.com/durham/Buying_Fsbo_Template.asp?Page_Id=14035" title="Ontario Land Transfer Tax" target="_blank"> Transfer Tax</a> and title insurance. There might be mortgage broker fees also. For a sale, expect to pay in the range of 2-3% of the purchase price. </strong></li> </ol> <p style="text-align: justify;"><strong>As with any legal transaction, we highly recommend that you consult with a real estate lawyer for an estimate of costs before you sign any documents.</strong></p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Private Home Sales" target="_blank"><img title="Private Home Sales" src="http://activerain.com/image_store/uploads/6/0/3/8/2/ar121848523428306.JPG" height="376" alt="Private Home Sales" width="500" /></a></p> <p style="text-align: justify;"><strong>Learn more about our <a href="http://www.homesbyowner.com/47091" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> website.</strong></p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:42:10 -0500 http://activerain.com/blogsview/652206/flipping-real-estate-be-careful-of-pitfalls http://activerain.com/blogsview/652203/the-emotional-side-of-buying-or-selling-a-home <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/638246/The-Emotional-Side-Of">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;"><strong>It is a fact that the less frequent the purchase or sale, the higher the anxiety level. Buying or <a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Selling A Home" target="_blank">Selling&nbsp;A Home</a> ranks high on the list of transactions that will leave the strongest with frazzled nerves.</strong><strong>&nbsp;&nbsp;</strong></p> <p style="text-align: justify;"><strong>Imagine going into a store to buy a dress or pair of pants. This is something you might do a few times a year. You might find it difficult to determine what colour you want, but you know that if you get it home and change your mind, it can be returned.</strong></p> <p style="text-align: justify;"><strong>Now create a picture of someone that is buying their first house. They are facing a monthly mortgage payment of $1,000, property taxes, utilities and maintenance and repairs. But they want to own the roof over their head. </strong></p> <p style="text-align: justify;"><strong>Then consider someone that has owned the same home for the past 20 years. They want to sell and purchase another one.</strong></p> <p style="text-align: justify;"><strong>In both of these scenarios, there is a high level of nervousness. There will be sleepless nights. Friends, relatives and &lsquo;the guy at work' are offering their advice. The buyer or sellers head is swimming with information. They are trying to make decisions that will impact their future.</strong></p> <p style="text-align: justify;"><strong>There is no way to avoid the anxiety that is associated with&nbsp;selling or <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Buying A Home" target="_blank">Buying&nbsp;A Home</a>. Although it affects everyone in a different way, we all go through it. </strong></p> <p style="text-align: justify;"><strong>The best advice is to take your time. Don't be pressured or pushed into making a decision until you are comfortable doing it. &nbsp;</strong></p> <p style="text-align: justify;"><strong>Buy and sell real estate on our Durham Region website for <a href="http://www.homesbyowner.com/durham" title="Private Sales" target="_blank">Private Sales</a>.</strong></p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your House" target="_blank"><img title="Sell Your House" src="http://activerain.com/image_store/uploads/1/4/1/9/5/ar121891400159141.gif" height="60" alt="Sell Your House" width="468" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:40:19 -0500 http://activerain.com/blogsview/652203/the-emotional-side-of-buying-or-selling-a-home http://activerain.com/blogsview/652198/how-to-handle-a-buyer-that-wants-the-seller-to-hold-a-mortgage <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/646007/How-To-Handle-A">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">In some real estate transactions, the buyer will ask the seller to hold a mortgage on the property. This is commonly referred to as a&nbsp;'vendor takeback'. There are some questions that have to be answered to determine whether it is a good idea or not.</p> <p style="text-align: justify;">The seller has the following to consider.</p> <ul style="text-align: justify;"> <li>The amount of down payment the buyer is submitting. A minimum of 25% of the purchase price is generally recommended; however do not agree to anything until you have consulted with your lawyer.</li> <li>The credit rating of the buyer. The seller should obtain a credit report.</li> <li>The mortgage terms. This includes the interest rate, term and amortization period.</li> </ul> <p style="text-align: justify;">In some cases, a seller holding a mortgage can work in their favour. If they have no plans for the proceeds from the sale, they might get a better interest rate than investing in a term deposit or GIC. Holding a mortgage can be a good investment.</p> <p style="text-align: justify;">HomesByOwner of Durham Region recommends that all buyers and sellers consult with a real estate lawyer before entering into a written agreement.&nbsp;</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank"><img title="Durham Region Homes For Sale" src="http://activerain.com/image_store/uploads/3/6/9/0/0/ar121900100500963.gif" height="75" alt="Durham Region Homes For Sale" width="269" /></a></p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Real Estate" target="_blank">Durham Region Real Estate</a> website for private real estate sales.</p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:37:26 -0500 http://activerain.com/blogsview/652198/how-to-handle-a-buyer-that-wants-the-seller-to-hold-a-mortgage http://activerain.com/blogsview/652194/what-is-the-difference-between-a-first-mortgage-and-a-second-mortgage <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/646038/What-Is-The-Difference">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;"><a href="http://www.activerain.com/centumregal" title="Mortgages" target="_blank">Mortgages</a> on a property are referred to by a number. For example, you might have a first mortgage on your home. Some have a second mortgage and some even have a third.</p> <p style="text-align: justify;">This numbering system is simply the order in which they were registered. It is also the order in which they are satisfied in the event they go into default.</p> <p style="text-align: justify;">Here is an example. The property owner has a first and second mortgage. They stop paying the mortgages. If the property is sold under power of sale, the first mortgage is paid out before the second sees anything.</p> <p style="text-align: justify;">Considering this same scenario, the second mortgagee can stop the property from going power of sale. They have to continue paying the first mortgage so that the&nbsp;mortgagee does not force the sale.</p> <p style="text-align: justify;">Why do some real estate owners have a second or third mortgage on their property? They might need some money for investment purposes or something<strong> </strong>that comes along in life. Some owners might refinance the first mortgage to obtain the funds they need. &nbsp;</p> <p style="text-align: justify;">With any real estate transaction, HomesByOwner of Durham Region recommends that all buyers and sellers consult with a real estate lawyer prior to entering into an agreement.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Private Real Estate Sales" target="_blank"><img title="Private Real Estate Sales" src="http://activerain.com/image_store/uploads/5/0/2/7/3/ar121900283037205.gif" height="60" alt="Private Real Estate Sales" width="468" /></a></p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> website.</p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:35:28 -0500 http://activerain.com/blogsview/652194/what-is-the-difference-between-a-first-mortgage-and-a-second-mortgage http://activerain.com/blogsview/652186/protect-your-investment-do-not-smoke-in-your-home <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/649411/Protect-Your-Investment-Do">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">Smoking in a home will do a lot of damage two ways. The smell will become imbedded in the furniture, carpets and drapes. Smoke will discolor walls and furniture.</p> <p style="text-align: justify;">If the home has a forced air heating and air conditioning system, it will circulate the smoke through the home. Although you think you are confining it to one room, the smoke will be distributed throughout the home when the system is running. Over time the duct work will hold the odor.</p> <p style="text-align: justify;">Many buyers are turned off by homes that have been smoked in. They cannot stand the smell and also realize what work that is involved to remove it. If the buyer decides to submit an offer, don't be surprised if it is lower than you want.</p> <p style="text-align: justify;">To remove the smell, carpets, drapes and furniture need to be cleaned. No doubt the home will also require a paint job. Additional steps may be required using a cleaning product that will deodorize.</p> <p style="text-align: justify;">If you smoke in your home, the best thing to do is stop immediately. This will reduce the cost and amount of work required to remove the smell.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Home" target="_blank">Sell Your House</a> privately and save paying real estate commissions.</p> <p style="text-align: justify;">Learn more about <a href="http://www.homesbyowner.com/47091" title="Private Sales" target="_blank">Private Sales</a>.</p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> website.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Durham Region Real Estate" target="_blank"><img title="Durham Region Real Estate" src="http://activerain.com/image_store/uploads/8/7/3/2/2/ar121917902422378.JPG" height="376" alt="Durham Region Real Estate" width="500" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:32:41 -0500 http://activerain.com/blogsview/652186/protect-your-investment-do-not-smoke-in-your-home http://activerain.com/blogsview/652184/pets-and-how-they-can-affect-your-home <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/649914/Pets-And-How-They">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">Most people like pets. I am referring to cats and dogs. They are cute, cuddly and make great company.</p> <p style="text-align: justify;">If you are a pet owner, there are some precautions that should be taken if selling a home now or in the future. Here are a few ideas that might help.</p> <ul style="text-align: justify;"> <li>Bathe the pet on a regular basis. Some develop a body odor which can result in an unpleasant smell in the home.</li> <li>Keep their bedding and food dishes clean. These can create an odor as well.</li> <li>If your pet uses the back yard as a potty, scoop on a daily basis, especially if your home is currently on the market.</li> <li>Cats sometimes use furniture or walls as a scratching post. Take necessary steps to prevent this.</li> <li>Some dogs jump up on the inside of the front door. Their nails will create a lot of damage to the trim and walls, as well as the door.&nbsp;</li> <li style="text-align: justify;">If you have a pet and your home is currently for sale, remove them for all showings. They can be a pest when the buyers walk thru. Some people are afraid of animals as they have had a bad experience in the past.</li> </ul> <p style="text-align: justify;">By following these simple steps, it can eliminate unnecessary repairs and expense.</p> <p style="text-align: justify;">Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a>&nbsp;company.</p> <p style="text-align: justify;">Learn more about <a href="http://www.homesbyowner.com/47091" title="Private Real Estate" target="_blank">Private Real Estate</a>.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham" title="Durham Region Real Estate" target="_blank"><img title="Durham Region Real Estate" src="http://activerain.com/image_store/uploads/8/0/4/0/7/ar121919518970408.gif" height="75" alt="Durham Region Real Estate" width="269" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:31:48 -0500 http://activerain.com/blogsview/652184/pets-and-how-they-can-affect-your-home http://activerain.com/blogsview/652183/mortgage-broker-wants-a-fee-however-the-buyer-is-not-able-to-come-up-with-it <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/646140/Mortgage-Broker-Wants-A">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">In some cases, a mortgage broker will require a fee to arrange a mortgage. This is generally done when the borrower has a poor credit rating. The broker will have to do additional work to make sure a loan is in place for the buyer.</p> <p style="text-align: justify;">The home buyer may not have the mortgage broker's fee. Since their credit rating is less than perfect, coming up with the minimum down payment could be a struggle. They also have their real estate lawyer's fees and other closing costs to accumulate.</p> <p style="text-align: justify;">The way to handle a situation like this is to insert a clause in the offer that states that the seller will pay the mortgage broker's fee. The seller will consider this to be part or the entire amount they would budge off their asking price. In fact, the buyer might have to pay the full price of the home. Should the parties agree to this arrangement, the seller will insist to include in the clause that they will only pay up to a maximum amount.</p> <p style="text-align: justify;">If you are a buyer and are faced with this situation, don't be afraid to include the clause in your offer. After all, an offer is an offer. The seller might be keen to allow an arrangement like this.</p> <p style="text-align: justify;">So on closing day, the seller pays the mortgage broker. We now have 3 happy people. The buyer, the seller and the broker. It's a win/win/win situation for everyone.</p> <p style="text-align: justify;">HomesByOwner of Durham Region recommends that all buyers and sellers of real estate consult with a lawyer prior to entering into an agreement.</p> <p style="text-align: justify;"><a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Home" target="_blank"><img title="Sell Your Home" src="http://activerain.com/image_store/uploads/9/0/9/6/1/ar121900711616909.gif" height="60" alt="Sell Your Home" width="468" /></a></p> <p style="text-align: justify;">Find out more about buying or selling real estate at our <a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Sell Your Home" target="_blank">Durham Region Home For Sale</a> website.</p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:30:27 -0500 http://activerain.com/blogsview/652183/mortgage-broker-wants-a-fee-however-the-buyer-is-not-able-to-come-up-with-it http://activerain.com/blogsview/652181/courtice-for-sale-by-owner-open-house-sunday-august-24 <p></p><div id="reblogging_tag">Via <b><a href="http://durhamregionforsalebyowner.com/post/650414/Courtice-For-Sale-By">Durham Region For Sale By Owner</a></b>:<br/><blockquote><p style="text-align: justify;">Plan to attend this <a href="http://www.homesbyowner.com/12998" title="Courtice For Sale By Owner" target="_blank">Courtice For Sale By Owner</a> open house this weekend.</p> <p style="text-align: justify;">This is a good family home located in&nbsp;a great area. Since it is on a dead end street, it is a great place for kids to play. Schools, shopping and Highway 401 are minutes away.</p> <p style="text-align: justify;">There are 3 spacious bedrooms and 2.5 bathrooms. The master has a walk-in closet and a 3 piece ensuite bath room with a shower.&nbsp;You have&nbsp;room for family meals in the eat-in kitchen that features oak cabinets, a pantry, garbarator and built-in dishwasher. You can walkout from the dining room to the deck in the fenced yard with beautiful gardens. There is a 2 piece powder room and entrance from the attached garage.</p> <p style="text-align: justify;">The basement has been finished with an office and separate laundry room. Other features of this private sale home are central air conditioning, central vac, fan in master bedroom and electric garage door opener. The roof was replaced in 2006. There is parking for 2 vehicles in the driveway.</p> <p>Property taxes&nbsp;- $2,631 annually</p> <p>Lot size&nbsp;- 30 feet&nbsp;x 107 feet</p> <p>View this&nbsp;Courtice private sale - Sunday, August 24 - 2 to 4pm&nbsp;</p> <p>Directions to this <a href="http://www.homesbyowner.com/durham/map.asp?latitude=43.908472&amp;longitude=-78.791077&amp;homeid=12998&amp;city=Courtice&amp;state=ON&amp;address=21+Kennedy+Drive&amp;Zip=L1E+2H2&amp;mv=0" title="Private Home Sale" target="_blank">Private Home Sale</a>.</p> <p>See <a href="http://www.homesbyowner.com/durham/Search_Listings.asp" title="Courtice Homes For Sale" target="_blank">Courtice Homes For Sale</a>.</p> <p>Private list your <a href="http://www.homesbyowner.com/durham/ListYourHome.asp" title="Courtice Real Estate" target="_blank">Courtice Real Estate</a> on HomesByOwner.com</p> <p>Check out our <a href="http://www.homesbyowner.com/durham" title="Durham Region Homes For Sale" target="_blank">Durham Region Homes For Sale</a> website.</p> <p><a href="http://www.homesbyowner.com/12998" title="Courtice Homes For Sale" target="_blank"><img title="Courtice Homes For Sale" src="http://activerain.com/image_store/uploads/7/2/4/5/4/ar121923705145427.JPG" height="479" alt="Courtice Homes For Sale" width="637" /></a></p> <p><a href="http://www.homesbyowner.com/12998" title="Courtice Real Estate" target="_blank"><img title="Courtice Real Estate" src="http://activerain.com/image_store/uploads/5/0/7/8/6/ar121923730768705.JPG" height="479" alt="Courtice Real Estate" width="637" /></a></p> <p><a href="http://www.homesbyowner.com/12998" title="Private Real Estate" target="_blank"><img title="Private Real Estate" src="http://activerain.com/image_store/uploads/6/4/9/7/2/ar121923737727946.JPG" height="479" alt="Private Real Estate" width="637" /></a></p> <p><a href="http://www.homesbyowner.com/12998" title="Sale By Owner Real Estate" target="_blank"><img title="Sale By Owner Real Estate" src="http://activerain.com/image_store/uploads/1/7/0/6/4/ar121923744246071.JPG" height="479" alt="Sale By Owner Real Estate" width="637" /></a></p></blockquote></div> CENTUM Regal Financial Corp. Thu, 21 Aug 2008 08:28:26 -0500 http://activerain.com/blogsview/652181/courtice-for-sale-by-owner-open-house-sunday-august-24 http://activerain.com/blogsview/411791/5-69-mortgage-interest-rate-5-year-fixed <p><strong>You wanted the best mortgage rates?</strong></p> <p><strong>How does a 5 year fixed rate of&nbsp;<em><span style="text-decoration: underline;">5.69</span></em> sound?</strong></p> <p><strong>The transaction must close within 30 days of you submitting an application.</strong></p> <p><strong>Visit our <a href="http://www.centumregal.com" title="Mortgage Website" target="_blank">mortgage website</a> and complete an application.</strong></p> <p><strong>Fax your Agreement of Purchase and Sale and salary letter(s) to 416.291.0874.</strong></p> <p><a href="http://www.centumregal.com" title="Pre-Approved Mortgage" target="_blank"><img title="Centum Financial Corp." src="http://activerain.comhttp://activerain.com/image_store/uploads/7/3/7/5/3/ar120207478535737.jpg" height="70" alt="Centum Financial Corp." width="392" /></a></p> <p align="justify"><strong>Centum Financial Corp. is the largest mortgage brokerage company in Canada. We represent 21 institutional lenders. We also have our own in-house mortgage company that offers the best interest rates in the business.</strong></p> <p>&nbsp;</p> CENTUM Regal Financial Corp. Fri, 07 Mar 2008 14:11:27 -0600 http://activerain.com/blogsview/411791/5-69-mortgage-interest-rate-5-year-fixed http://activerain.com/blogsview/383076/-a-peace-of-mind-home-inspections-provides-home-buyers-sellers-with-confidence- <p align="justify"><strong>In most cases, buying or selling a home requires mortgage financing. In all cases, the services of a professional home inspector should be retained to reveal defects that can affect the real estate transaction.</strong></p> <p align="justify"><strong>Daniel Giddings is a determined individual that takes pride in everything he does.&nbsp; When he entered the home inspection field 5&nbsp;years ago, he committed himself to providing honest, accurate service. This is backed up with 14 years in the construction business.</strong></p> <p align="justify"><strong>Real&nbsp;estate sellers should consider a pre-sale&nbsp;inspection. A defect&nbsp;found early can be corrected and not cast a shadow on the transaction when it comes&nbsp;time&nbsp;for the buyer to have one completed. Daniel will&nbsp;find any problems and&nbsp;provide an estimate&nbsp;for repairs based on his experience.</strong></p> <p align="justify"><strong>For more details visit <a href="http://www.apominspections.com" title="A Peace Of Mind Home Inspections Website" target="_blank">A Peace Of Mind Home Inspections Website</a>.</strong>&nbsp;</p> <p align="justify"><a href="http://www.apominspections.com" title="A Peace Of Mind Home Inspections" target="_blank"> <div><img title="A Peace of Mind Home Inspections" src="http://activerain.com/image_store/uploads/7/3/9/4/0/ar120327284304937.jpg" height="52" alt="A Peace of Mind Home Inspections" width="270" /></div> </a></p> <p>&nbsp;&nbsp;</p> CENTUM Regal Financial Corp. Sun, 17 Feb 2008 12:34:23 -0600 http://activerain.com/blogsview/383076/-a-peace-of-mind-home-inspections-provides-home-buyers-sellers-with-confidence- http://activerain.com/blogsview/364742/tips-to-prevent-and-recover-from-a-credit-crisis <p><strong>If you are dealing with a credit crisis you do have some options.</strong></p> <p><strong>You might have a credit problem if you:</strong></p> <ul> <li><strong>Can't pay the minimum payment due each month on your credit cards.</strong></li> <li><strong>Require cash advances to meet living expenses.</strong></li> <li><strong>Don't have any idea how much you owe. &nbsp;</strong></li> <li><strong>Are always in debt. </strong></li> </ul> <p><strong>Try these ideas to help you recover.</strong></p> <ul> <li><strong>Consider cancelling some credit cards..</strong></li> <li><strong>Consider consolidating all your debts into one loan. If your debts are from credit cards you save a lot on interest.</strong></li> <li><strong>Contact your creditors to see if you can make some arrangements if your payments are slow. They will be very co-operative because all they want to see is an attempt to repay the money you owe. Be honest with them and explain what the problem is and they will help you work it out.</strong></li> <li><strong>Figure out how you got into debt and create a plan to stop it from happening again.</strong></li> <li><strong>Re-evaluate your spending habits and lifestyle.</strong></li> <li><strong>If you need help, contact a credit counselor. You will find several non-profit agencies in Canada. You will be assigned an experienced counselor who will look at your situation and help you develop a plan to recover from your credit crisis.</strong></li> <li><strong>Consider keeping only one credit card. You will find it easier to track your spending.</strong> </li> </ul> <p><strong>Apply for a <a href="http://www.centumregal.com" title="Pre-approved Mortgage" target="_blank">pre-approved mortgage</a>.</strong></p> <p><a href="http://www.centumregal.com" title="Mortgage Rates" target="_blank"><img title="Why Use A Mortgage Broker?" src="http://activerain.com/image_store/uploads/6/6/7/3/4/ar120209949443766.JPG" height="114" alt="Why Use A Mortgage Broker?" width="640" /></a></p> CENTUM Regal Financial Corp. Sun, 03 Feb 2008 22:36:36 -0600 http://activerain.com/blogsview/364742/tips-to-prevent-and-recover-from-a-credit-crisis