"Let‘s Get Moving!"
July 30th, 2010 
Kari Clark
Sales Representative

iPro Realty Ltd., Brokerage Independently Owned and Operated

519.940.0004
1.866.506.1116
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Have A Real Estate Question? Ask Away!

Have A Real Estate Question? Ask Away!

Wondering what your home is worth?
Contact me anytime
1.866.506.1116

Find Your Dream HomeFree Evaluation
If the time has come for You to "Find Your Dream Home", then I would love to help. New properties are listed every day. By filling out the form, I can have new Listings emailed to You as soon as they become available.The Equity in your home is like any other investment - it needs to be monitored. Homeowners should have their Equity evaluated once a year.
Now might be the perfect time...
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Real Estate: Still the best investment.

Real Estate: Still the best investment.

  Hey, you can be an investor too!

     

    It's Summer 2010 and I've been busy helping investors purchase properties to add value to their financial portfolio. Real estate has always been one of the best investments a person can make. There are several reasons why a growing number of Canadians are using their home equity to purchase investment properties:

  1. No RRSPs? No problem. Real estate makes a great pension plan. A few years from now, you'll have a monthly income from tenants paying off YOUR mortgage.

  2. Save rent or res money. Many Canadian parents are choosing to buy an investment house where their kids are attending school. Rent out the remaining rooms to some friends of theirs and you have the house paid off by the time they graduate.

  3. Investment return rate. We all know it. Residential real estate is a secure long-term investment. The markets rise and fall. They always follow the same patterns.

  4. First time homebuyers. Renting out the other half of a duplex or triplex can be a terrific way to attain home ownership. Mortgage lending will also be easier because you'll have another income to claim.

A minimum downpayment of 20% is required for an investment property. You can put down less than 20%, but you'll need to use an uninsured lender, which can mean higher interest rates. Once you have more than four properties you need to start spreading out your business among several lenders so as to not reach the maximum number of mortgages a lender will approve per investor.

Sound confusing? It absolutely is. That’s why you need to speak with an experienced mortgage planner like Mario Pejic AMP with Mortgage Architects who can help you better understand what's involved in financing investment properties.
Give him a call at 519-940-0004 or 1-416-889-4751.

 

I sell investment property of all kinds. 

Legal non conforming duplexs, old victorian triplexs, high end commercial real estate, industrial units for sale, country farm property, city townhouses - you name it. If you have some questions for me or a property you would like to sell, contact me and we'll discuss your options. 519-940-0004 or email me kari@kariclarkhomes.com

Talk to you soon!
Kari Clark

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Did you know?

Did you know?

TITLE INSURANCE ISSUESCAUTION! For Sale By OwnersEstimated Closing Costs for Orangeville, Brampton, Caledon and Mono Ontario
Everyone needs insurance. Everyone needs to be protected and protect their assets. The banks will not give you a mortgage on your home if you do not have proof of insurance. Home insurance companies have added more restrictions to the availability of insurance. A lot of companies are less likely to take on "risky" clients with homes in need of major safety upgrades. I work with some great Orangeville and Brampton mortgage brokers who in turn have magnificicent reputations with dozens of local banks. So don't worry, there will always be a way to get you into your dream home. 14 IMPORTANT FACTS TO CONSIDER BEFORE YOU TRY TO SELL YOUR OWN HOME Before you try and sell it yourself, think of all the time that you'll spend working on selling your house. It's my full -time job, I know you already have a full time job of your own - so why work double time all this time? Let me do my job, which by the way only requires you to pay me when there is a SOLD SIGN. You only pay for results! Until then, I'm working my hardest to get your house sold! Think about it. Give me a call for another freebie.. a free market evaluation of your home. 519.940.0004 So before you decide to take on this very important, time consuming and legally complicated procesClosing Costs There are fees associated with the buying or selling of a home and these are called closing costs. Certain fees are automatically assigned to either the buyer or the seller; other costs are either negotiable or dictated by local custom. In Orangeville, Brampton, Caledon, Mono, Alton and surrounding rural areas, the fees are commonly broken down as follows. I would still suggest speaking with your trusted professionals first though. Lawyers, mortgage brokers, insurance brokers and real estate agents are all apart of your professional team to ensure everything goes according to plan.
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Canada's Housing Market is Fine! Really!! Women In Real Estate HOW MUCH DOES IT REALLY COST TO MOVE?
Canadian Government Moves to Protect & Strengthen Housing Market The Government of Canada announced July 9th, 2008 adjustments to the rules for government guaranteed mortgages aimed at protecting and strengthening the Canadian housing market. The new measures include: · Fixing the maximum amortization period for new government-backed mortgages to 35 years; · Requiring a minimum down payment of five per cent for new government-backed mortgages; · Establishing a consistent minimum credit score requirement; and · Introducing new loan documentation standardsCanadian women buy homes for financial security, outdoor space and privacy. Financial security, a backyard or garden and a quiet and private space to themselves. Women who have purchased a home say these are the top three best things about home ownership, according to the TD Canada Trust Women and Home Ownership Poll. Forty-three per cent of women say financial security is the best thing about home ownership, followed by having a backyard or garden (35%) and having a quiet, private space to themselves (34%).There are a number of financial costs associated with purchasing a new home. Just how much extra money you ask? Well I'll tell you, listed below are some up-front costs that you may not be fully aware of.
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HOW DO I GET A RENOVATION LOAD GRANT?AGENCY EXPLAINEDFirst Time Buyer Incentives
This Grant offers financial assistance to low-income households When working with a REALTOR, it is important to understand who the REALTOR works for, and to whom is the REALTOR legally obligated. The Canadian Real Estate Association (CREA) requires REALTORS to disclose Agency Relationship to a potential client at the earliest time possible. Buyer’s Relationship to Realtors A Buyer has a choice of two relationships with a REALTOR. As a Client, a real estate company acting as a “Buyer’s Agent” must do what is best for the buyer. A written contract,Buying, renovating homes key to stimulating economy. The Federal Budget 2009 announced several incentives to get Canadians spending by buying a first time home, or renovating the one they are already in. Some of the budget highlights include:
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