UPDATED THREE BEDROOM,1.5 STOREY HOME NEAR BUS ROUTE AND SHOPPING,FEATURES LAMINATE FLOORING IN MASTER BEDROOM ('08) W/ WALK-IN CLOSET,HARDWOOD FLOORS IN LIVING, DINING ROOM AND TWO BEDROOMS ON MAIN FLOOR, GUMWOOD TRIM IN LIVING & D INING ROOM, LEADED GLASS IN FOYER WINDOWS,EAT-IN KITCHEN WITH CERAMIC FLOORING AND BACKSPLASH, FURNACE ('07),FRESHLY PAINTED THROUGHOUT ('08),NEWER DECK ('08) AT BACK OF HOME,C/AIR & MORE. TO VIEW CALL CHARLIE CANNIZZARO@ 905-574-46 00 OR VISIT CHARLIECAN.CA

Rooms

Beautifully Decorated & Maintained!
Close to Everthing!!

This Home Is Absolutly STUNNING!!
You Won't Believe Your Eyes When You View This Home!!
Investors Take Note!!

• 2 bath, 4 bdrm 2 1/2 story "3rd Floor Insulated, Needs Finishing for added space such as an Office, Den or Studio ." - MLS® $119,900 CAD - Just Move In Condition!!

Hamilton Centre, Hamilton  -  LOVELY AND WELL MAINTAINED 4 BEDROOM HOME WITH LARGE PRINCIPAL ROOMS. FEATURES MAIN FLOOR ACCESSIBLE BY WHEELCHAIR OR SCOOTER. NEWER WINDOWS, HYDRO ON BREAKERS, ROOF STRIPPED & RESHINGLED 2000, MAIN FLOOR LAUNDRY & BEDROOM. ORIGINAL WOOD TRIM THROUGHOUT. 3RD FLOOR INSULATED JUST WAITING TO BE FINISHED. THIS HOME MUST BE SEEN. RSA

INCLUSIONS: FRIDGE, STOVE, WASHER DRYER, MICROWAVE, LIGHT FIXTURES, ALL WINDOW COVERINGS

EXCLUSIONS: DANBY FREEZER

Property information

Click Here to View The Virtual Tour

For a Personal Tour of this Lovely Home Call:

Lisa Tollis SRES.
Sales Representative
Seniors Real Estate Specialist
Royal LePage State Realty, Brokerage.
905 574-4600

Visit www.LisaTollis.ca  for more listings and Great Real estate Information

Beautifully Decorated & Maintained!

• 2 bath, 4 bdrm 2 1/2 story "3rd Floor Insulated, Needs Finishing for added space such as an Office, Den or Studio ." - MLS® $119,900 CAD - Just Move In Condition!!

Hamilton Centre, Hamilton  -  LOVELY AND WELL MAINTAINED 4 BEDROOM HOME WITH LARGE PRINCIPAL ROOMS. FEATURES MAIN FLOOR ACCESSIBLE BY WHEELCHAIR OR SCOOTER. NEWER WINDOWS, HYDRO ON BREAKERS, ROOF STRIPPED & RESHINGLED 2000, MAIN FLOOR LAUNDRY & BEDROOM. ORIGINAL WOOD TRIM THROUGHOUT. 3RD FLOOR INSULATED JUST WAITING TO BE FINISHED. THIS HOME MUST BE SEEN. RSA

INCLUSIONS: FRIDGE, STOVE, WASHER DRYER, MICROWAVE, LIGHT FIXTURES, ALL WINDOW COVERINGS

EXCLUSIONS: DANBY FREEZER

Property information

Click Here to View The Virtual Tour

For a Personal Tour of this Lovely Home Call:

Lisa Tollis SRES.
Sales Representative
Seniors Real Estate Specialist
Royal LePage State Realty, Brokerage.
905 574-4600

Visit www.LisaTollis.ca  for more listings and Great Real estate Information

Your Money Matters: Say 'I Do' to Home Buying

Getting married marks a huge milestone for many people who have spent years dreaming about being a husband or wife. Another major milestone that often follows marriage is the first "big" purchase, which is typically buying a home.

Buying a home is a great way to start married life together. Achieving the Canadian dream of homeownership together is a great accomplishment. It's exciting for newlyweds as they make the house their own by decorating and fixing it up.

More importantly, purchasing a home is one of the best investments newlyweds can make. It provides couples with the opportunity to build a secure financial future by building equity in a home. As newlyweds, your combined incomes offer a special opportunity to build savings that enhance your ability to buy a home.

Begin the process of buying a home by discussing finances. It's best to get in the habit of talking about finances regularly, as it's often a challenge for couples and is regularly cited as a leading cause in many divorces. Since you're already discussing wedding expenses, you can easily transition into how to finance a home-purchase.  

"Marriage provides a great opportunity to speak candidly regarding finances. Consider discussing the steps to purchase a home, paying down debt and improving credit scores," says Ennio A. García-Miera, a vice president with GMAC Mortgage. "Start focusing on the investment goal of owning a home by discussing your financial priorities with each other. Then seek the help of an experienced loan officer who can get you on the right track toward home buying."

As you discuss finances and buying a home, it's necessary to understand what goals are important to you and your partner. Draft a budget to map out where you'd like to be in a year, five years, ten years. It's not even too early to start thinking about retirement. Review your plan regularly, possibly with a financial planner, and update it as necessary. Start thinking about how much you can spend on a home. A mortgage qualifier calculator is available to you at the bottom of this page. Should you need to speak to a Mortgage Consultant or a Financial Advisor, I would be more than happy to help you. You may call me at (905) 574-4600,  so that can provide you with information directly to one of my Team Professionals who will help determine what you can afford and how much you'll need to save.

Make sure your budget is realistic to live by and allows for you and your partner to save for a rainy day as well as retirement. When preparing to buy a home, it's always best to be prepared to make some sort of downpayment, which may vary depending on the home you buy and the type of financing for which you qualify.  In addition to a downpayment, you'll also have to consider saving for unexpected home repairs and maintenance. Lenders generally like to see three to six months of living expenses in reserve, in addition to funds that will be used for a downpayment and closing costs.

Saving takes perseverance and discipline, especially when you're trying to pay for a wedding, and juggling other expenses such as college loans, a car loan, and rent.  One of the first places to look for possible savings is the little things you buy every day.  For example, giving up your daily $3 cappuccino can easily save you and your spouse $2,190 in a year.  It's also somewhat scary how many other small purchases such as CDs, video games, eating out, and going out to movies can add up. But they do.  Try to put off making other big purchases, which may require financing, until after the home purchase, as those purchases may affect your ability to obtain the best mortgage rate terms.

In addition to saving money, you'll want to review your credit score, which helps to determine the interest rate on your mortgage. Lenders assess your ability to repay your loan by reviewing your credit history. A credit score of at least 700 is an indication of good credit, which will allow you to secure a competitive interest rate.  

If you need to improve your credit score, consider these tips:

* If you have little or no credit, look for ways to improve your score such as opening a secured credit card with your bank.

* If you have "too much" credit, work on eliminating your credit card debt. Newlyweds can't afford to fall deeper into debt than they already are.

* If you know of errors or past due accounts that have already been paid, contact the three major agencies to correct this on your report. It may be a time-consuming task but in the end you'll be happy you took care of this before meeting with a mortgage lender.

Consult a Mortgage Institution!

Reputable mortgage institutions can help you understand the different products and loan options available to newlyweds purchasing their first home together. A mortgage lender can provide you with the key to buying a home, a pre-approval letter. Once you have the pre-approval letter, you'll know the price range of homes you can consider, whether it's a three-bedroom home in the suburbs or a trendy loft in the city.

Remember: a wedding is just one day, but your marriage is for life. Start your marriage on the right foot by preparing for the home buying process and achieving your goal of homeownership. By making home buying a priority, you can own a home even sooner than you might think. Call Lisa Tollis at (905) 574-4600 to discuss how you can start the home buying process.

First Time Homebuyers Take Note

• 1 bath, 3 bdrm 2 story "Nicely Decorated" - $144,900 CAD - Great Starter Home

Hamilton Centre, Hamilton  -  "MRS CLEAN LIVES HERE" HURRY 1ST TIME BUYERS. THIS HOME HAS IT ALL! LOCATED SOUTH OF BARTON BEWEEN OTTAWA ST & KENILWORTH. WALK TO ALL AMENITIES (BUSES, SCHOOLS, CTR MALL, KIWANIS REC CTR, ETC.) EXTENSIVE LIST OF UPDATES: SHINGLES (7YRS), FURNACE & C/AIR (5YRS), POOL (5YRS) - PUMP (1YR), 100 AMPS CB (2006-INSPECTION CERT AVAIL). ALSO UPDATED OVER THE YRS. - PLUMBING, BATH, LAMINATE & BRDLOOM, L-SHAPED KITCH W/PATIO DOOR WALK-OUT TO DECK & POOL ++ MANY MORE SURPRISES. NO NEED TO BUY APPLIANCES - 6 APPLIANCES INCLUDED. TONS OF STORAGE & CLOSET SPACE. HRDWD UNDER BRDLOOM. RELAXING FRONT PORCH. POOL EQUIP INCL. SKIMMER, VACUUM W/ATTACH & LADDER. OLDER SINGLE GARAGE FOR STORAGE OR CAR - SPACE IN THE YARD TO PARK. PRESENTLY NEXT DOOR NEIGHBOUR DOES NOT USE DRIVEWAY. SURVEY (1984) AVAIL. FLEXIBLE CLOSING AVAIL. CALL LISA TOLLIS TO VIEW THIS HOME AT 905 574-4600

Visit http://www.lisatollis.ca/ for more Listings and great Information.

Property information