If you're looking to buy a home, you may have heard the term mortgage.


Mortgage is a loan that allows you to purchase property and pay it off over time. It requires you to pay back the loan with interest over time, with your monthly payments going towards paying off the principal and interest.


When should you get a mortgage?


There are many factors to consider when deciding whether to take on debt. The biggest factor is whether or not you can afford the monthly payments. You should also consider whether or not you have any other debts that need to be paid off first, such as credit card debt or student loans. If so, it might be better for you to focus on paying down those debts before taking on the responsibility of a mortgage.


If everything looks good and you think your finances will allow for the extra payment each month, then it's time to start looking into different loan options. There are many different types of mortgages available, including fixed rate and adjustable rate mortgages. Fixed rate mortgages are great because they stay the same throughout the duration of your loan term and don't change based on current interest rates. Adjustable rate mortgages usually start at lower rates than fixed rate options but will increase and decrease over time as interest rates rise in response to economic conditions around the world however this can vary depending on how long your mortgage has been issued for.


A bank or other lender will issue you a mortgage loan based on your income, credit score,
and other factors.


They'll want to see that you have enough income to make your monthly payments, and they will look at your credit history to get an idea of how well you've managed other loans in the past. You'll also need enough money for down payment (at least 5% of the total purchase price), on top of any fees associated with the loan.


Once approved for the loan amount and terms, your lender will give you the money to purchase your new home!


So how do you get started? How do you know if you're ready to buy?


We're here to help!

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I have sold a property at 8227 5 STREET SW in Calgary. See details here

Newly renovated 1191 sq. ft. 4 bedroom bungalow on a mature treed and manicured 60' corner lot. The home's exterior has both double + single insulated dry walled garages. Custom made front cedar landing, two tiered rear deck with built in flower planters. The main floor interior has recently been beautifully updated with new oak floors throughout. The open living, dining and kitchen is attached by a wonderful bar sitting area, quartz counter tops and all new stainless appliances. The main floor 4 pc. bath has been completed with a new stand-alone soaker tub and large walk in glass shower. The lower kitchenette has a separate entrance and boasts new windows, a large, bright bedroom which continues into the 4 piece bathroom that featues hardwood-looking tiled flooring. The totally renovated family basement offers plenty of bright windows, pot lighting, new laminate floors and designer colors. The bonus is the kitchenette to complete the basement. This gorgeous and well maintained home is in a sought after inner city community and ready for a new family or investor. Conveniently located to schools, shopping and on a quiet street.

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We're talking about it because we know that you've been waiting for the right time to sell your home, but maybe you haven't found it yet. The market is changing, and if you wait too long, you might not get what you want.


For many of us, selling our homes is an emotional journey. It's a time that we look back on
and reflect on the memories we've made in our homes over the years. But it's also a time to
be practical and make sure that our homes are ready for the market!
Here are 3 tips for getting your home ready for sale:

1. Make it look like a home:


When you're selling your house, it's not just about what's inside the walls—it's about how
that space makes you feel. So if you have time, consider making some small changes to
your home to make it more cozy and welcoming. If you don't have time for that, just think
about how you can arrange the furniture in each room so that it feels like a home instead of
just an empty space.


2. Focus on the details:


The little things matter when selling your house, especially if they're in good shape and look
nice! Things like paint color and window treatments are often overlooked when people are
selling their homes because they can be expensive to change out, but they make all the
difference in how much buyers will pay for your house ! If you're thinking about selling soon,
try going through your whole house (including your yard) with a fine tooth comb and making
sure everything looks its best—you'll be glad you did!


3) Make sure everything works!

Test all appliances before showing your home so buyers can
see their potential working order without having to worry about whether or not they'll need to
replace anything before moving in themselves


If you've been thinking about selling your home and are wondering when the best time to do
it is, well—now is the time.
It's not just us—there's data to back us up. The housing market has been booming for years
now, with prices steadily rising and homes selling faster than ever before. But now there are
signs that things may be cooling down a bit: The number of houses sold in September was
down from last year, according to Realtor.com. It's probably only a matter of time before
these numbers start going up again—but if you wait until then, you could miss out on all of
the benefits that come with being an early adopter!

In addition to being a good time for home buyers and sellers alike, now is a great opportunity

for sellers because it's easier than ever before for them to find qualified buyers for their properties. With our extensive network of qualified buyers, we can connect you with someone who wants exactly what you have—and won't waste any time getting it done.

Sell now before the market gets saturated!
You might be surprised at how quickly it sells!

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Please visit our Open House at 4 1212 7 STREET SW in Calgary. See details here

Open House on Sunday, November 27, 2022 12:30PM - 2:30PM

***Open House Sunday Nov 27, 12:30-2:30*** Located in the heart of the beltline this superbly located home is just steps to grocery, restaurants, entertainment, shopping and of course the core. This amazingly charming 2 bedroom home comes with all of the character you would expect from a classic; with unique front and rear access doors. It has beautiful original site finished hardwood floors, sculpted ceilings, ceramic tile in kitchen and bath, maple cabinets with appliances, and an all in one washer/dryer unit. The kitchen even has a built in original hardwood ironing board. Even though the whole building was renovated in 2003, this building still maintains it's midcentury modern charm with all Douglas fir trim, casings and wide baseboards. The windows were updated with quality wooden windows to keep with the 1950s character. With only 6 units per building and 2 units per floor this home has lots of light due to it's south, west and north facing windows. Few places downtown have their own courtyards and this unique complex is one of them. There is also an assigned parking stall and a separate large storage locker. Truly a one of a kind place with both history, charm and highly desirable location you will want to call it your own.

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It's a question that many people have: is it better to rent or buy a house?

The answer is different for everyone, but there are some things you should consider.
First, let's look at the obvious: when you rent, you're paying someone else's mortgage. When
you buy a house, you're paying your own mortgage—and if you buy wisely, that means that
over time, your home will become more valuable than it costs.

Ron Garneau - Calgary Realtor - Title banner
But, you need to think about your financial situation. If you have money saved up for a down
payment on a house and can afford the monthly payments on the mortgage and other
expenses associated with owning a home, then buying is probably your best bet. But if you
don't have enough saved up and are worried about being able to make those payments each
month, it might be better to rent until you're in a position where buying makes sense.
Another thing to consider is whether or not you plan on moving soon—if so, renting might be
better because it allows you flexibility in terms of location and price range (you can move
anywhere).

On the other hand, if you plan on staying put for a while or want more stability in
terms of location (or having neighbours), buying may be preferable because it gives you
more security than renting would provide.


There are pros and cons to both renting and buying. If you're considering buying a house, here are some things you might want to think about:

  • You can live in the same place for years without having to move if you buy a house
  • If you buy a house, you'll have an asset that can increase in value over time
  • You can customise your home by adding features like new paint colours or a new kitchen
  • floor
  • If something goes wrong with your home (like a leaky roof), it's up to you to fix it
  • yourself—and the costs could add up quickly!
  • But there are also some things about renting that might appeal to you too:
  • Renting allows you to be mobile and move around more easily—if there's something better
  • in another neighbourhood or another province, then renting makes this possible for much
  • less money than buying would
  • You can often find furnished apartments that allow you to move right in without having to
  • worry about purchasing furniture or appliances.
  • Renting is better for the stable budget. When you rent, you know exactly what your monthly rent will be, so when things break or need maintenance it is usually the landlord’s responsibility. If you are in a fixed lease then the rental amount is also fixed causing less financial stress. 
 
Ultimately, this is a personal decision.
I can help you make the best decision for you by helping you understand all of your options and weighing them against each other.
 
Contact me today if you would like to talk more.
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I have sold a property at 252 Shawmeadows ROAD SW in Calgary. See details here

This beautifully updated hillside bungalow home features hardwood & tile floors, newer appliances, 3 bedrooms up, PLUS a 4th on the lower level. The main floor has a formal living and dining room at the front as well as a dining nook off the kitchen, with the family room featuring a wood burning/gas fireplace and garden doors leading to a large west facing backyard. The tiered deck overlooks the spacious, treed backyard and offers a roll out awning. Also comes with garden shed. The master bedroom hosts garden doors for access to the back deck and is bright and spacious . The ensuite with double sinks and a large soaker tub, complete this room. The lower level has been recently updated with a bonus room, bedroom, 5pc bathroom and laundry. This Shawnessy home has a ton of windows, which makes it feel bright and inviting. Tons of Parking is available with a corner lot, double parking pad and a DOUBLE ATTACHED AND FINISHED GARAGE that also has 220v for your EV Car or welder.

Read full post

Please visit our Open House at 8227 5 STREET SW in Calgary. See details here

Open House on Saturday, November 5, 2022 2:00PM - 4:00PM

***OPEN HOUSE Saturday Nov.5 from 2PM-4PM*** INCREDIBLE LOCATION!! Newly renovated 1191 sq. ft. 4 bdrm bungalow on a mature treed and manicured 60' corner lot. The home's exterior has both double + single insulated dry walled garages. Custom made front cedar landing, two tiered rear deck with built in flower planters. The main floor interior has recently been beautifully updated with new oak floors throughout. The open living, dining and kitchen is attached by a wonderful bar sitting area, quartz counter tops and all new stainless appliances. The main floor 4 pc. bath has been completed with a new stand-alone soaker tub and large walk in glass shower. The lower suite has a separate entrance and boasts new windows, a large, bright bedroom which continues into the 4 piece bathroom that featues hardwood-looking tiled flooring. The totally renovated family basement offers plenty of bright windows, pot lighting, new laminate floors and designer colors. The bonus is the kitchenette to complete the basement. This gorgeous and well maintained home is in a sought after inner city community and ready for a new family or investor. Conveniently located to schools, shopping and on a quiet street.

Read full post

Please visit our Open House at 4 1212 7 STREET SW in Calgary. See details here

Open House on Saturday, November 5, 2022 12:30PM - 2:30PM

***Open House Saturday Nov 5th 12:30-2:30*** Located in the heart of the beltline this superbly located home is just steps to grocery, restaurants, entertainment, shopping and of course the core. This amazingly charming 2 bedroom home comes with all of the character you would expect from a classic; with unique front and rear access doors. It has beautiful original site finished hardwood floors, sculpted ceilings, ceramic tile in kitchen and bath, maple cabinets with appliances, and an all in one washer/dryer unit. The kitchen even has a built in original hardwood ironing board. Even though the whole building was renovated in 2003, this building still maintains it's midcentury modern charm with all Douglas fir trim, casings and wide baseboards. The windows were updated with quality wooden windows to keep with the 1950s character. With only 6 units per building and 2 units per floor this home has lots of light due to it's south, west and north facing windows. Few places downtown have their own courtyards and this unique complex is one of them. There is also an assigned parking stall and a separate large storage locker. Truly a one of a kind place with both history, charm and highly desirable location you will want to call it your own.

Read full post

I have listed a new property at 8227 5 STREET SW in Calgary. See details here

INCREDIBLE LOCATION!! Newly renovated 1191 sq. ft. 4 bdrm bungalow on a mature treed and manicured 60' corner lot. The home's exterior has both double + single insulated dry walled garages. Custom made front cedar landing, two tiered rear deck with built in flower planters. The main floor interior has recently been beautifully updated with new oak floors throughout. The open living, dining and kitchen is attached by a wonderful bar sitting area, quartz counter tops and all new stainless appliances. The main floor 4 pc. bath has been completed with a new stand-alone soaker tub and large walk in glass shower. The lower suite has a separate entrance and boasts new windows, a large, bright bedroom which continues into the 4 piece bathroom that featues hardwood-looking tiled flooring. The totally renovated family basement offers plenty of bright windows, pot lighting, new laminate floors and designer colors. The bonus is the kitchenette to complete the basement. This gorgeous and well maintained home is in a sought after inner city community and ready for a new family or investor. Conveniently located to schools, shopping and on a quiet street.

Read full post

I have listed a new property at 252 Shawmeadows ROAD SW in Calgary. See details here

This beautifully updated hillside bungalow home features hardwood & tile floors, newer appliances, 3 bedrooms up, PLUS a 4th on the lower level. The main floor has a formal living and dining room at the front as well as a dining nook off the kitchen, with the family room featuring a wood burning/gas fireplace and garden doors leading to a large west facing backyard. The tiered deck overlooks the spacious, treed backyard and offers a roll out awning. Also comes with garden shed. The master bedroom hosts garden doors for access to the back deck and is bright and spacious . The ensuite with double sinks and a large soaker tub, complete this room. The lower level has been recently updated with a bonus room, bedroom, 5pc bathroom and laundry. This Shawnessy home has a ton of windows, which makes it feel bright and inviting. Tons of Parking is available with a corner lot, double parking pad and a DOUBLE ATTACHED AND FINISHED GARAGE that also has 220v for your EV Car or welder.

Read full post
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