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You've probably heard the news and seen the headlines that the rules of mortgages in Canada are changing. Changes will come into effect on July 9, 2012 for the rules for government-backed insured mortgages.

 

Canada’s Finance Minister Jim Flaherty has announced that:


1. The maximum amortization period for government-backed insured mortgages will be reduced to 25 years from 30 years.

 

2. The maximum amount that an individual can borrow when refinancing will be lowered to 80% from 85%.

 

3. The federal government will set a maximum for gross debt-service ratio (GDS) at 39% and lower the maximum for total debt-service ratio (TDS) to 44% from 45%.

 

4. Government-backed insured mortgages will no longer be available for homes with a purchase price of $1 million or more.

 

What this means to you when rules are changed, the new rules are likely to encourage purchasers looking to take advantage of the current terms to do so prior to the deadline. Past July 9, however, the new rules are likely to restrain homebuyer demand, particularly from first-time buyers.

 

The reduction of the maximum amortization period to 25 years will have the most direct impact on Canadian homebuyers.

 

For clients who have purchased a home already and were approved for financing before June 22nd, the new rules will not apply.  For clients who are approved before July 9th but closing after December 31, 2012, the new default insured rules will apply.  For clients who are still shopping and have do not have a firm mortgage approval, it is important that they get the right advice about the impact of these new changes to their plans. Note that mortgage pre-approval without an agreement of purchase and sale is not sufficient to qualify for a 30-year amortization after July 9th

 

If you have any questions or concerns, please feel free to contact me at 250-305-7034 and I would be happy to supply you with a list of mortgage specialists that can help you look at your future. 

 

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I have sold a property at LOT 13 HAGGENS POINT RD in Williams Lake.
Looking for the ultimate place as your recreation home. This 2.7 acre lot is ideal for your motor home, travel trailer or to build that home or seasonal cottage. A shallow well, road and building site is all in with a dock and moorage for your boat. Long time residents adore this quiet gated community with its fabulous views of Quesnel Lake and surrounding mountains. The lot location is one of the largest and best in the area and these rarely comes up so don't miss out on your opportunity.
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I have listed a new property at 3629 SPOKIN LAKE RD in Williams Lake.
A great 10 acres just 20 minutes to Williams Lake that is fenced and cross fenced and completely set up for your horses. There is approximately half in hay and the rest is in good pasture. There is also a cement floor 32x30 2 bay workshopand 2 other storage sheds for all your needs. This 2 bedroom well maintained large manufactured home is completely roofed over and has a 13x42 covered veranda. There is also a large addition that is a family/rec room and a bonus mud room at the front. Affordable living for you and your horses.
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I have listed a new property at # DL 383 COLWELL RD in Williams Lake.
Have you been looking for that affordable recreation property! "You've found it". This 10 acre privacy property on the Kleena Kleene River has a 2 bedroom log home and a large 2 vehicle log carport and woodshed. There is hydro and wateris pumped up from the river. This 3 season recreation home is the perfect getaway for the entire family or your summer home. Fly fish for your dinner of rainbow trout on this "river runs through it" It's your time...
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The look of your home is often what sells your home. From a clean exterior to a bright interior first impression can make the big impression. Clutter is often the culprit that takes away from "seeing" your home for what it can be. "Staging" your home can make a big difference if you don't take it too far. You still want it to feel like a home not a sterile environment that potential buyers are afraid to enter.


Here are 8 common mistakes sellers make when preparing their house for sale.


1. Just because you love it does not mean everyone else will. Ensure your property appeals to the broadest buying public, which means neutralize. If the colour palette or decorating style is too far out, people will be put off by the "personality" of the home, and it will be difficult for them to visualize themselves and their own belongings in the house.


2. Closets and pantries are crowded and cluttered. Empty each storage space of excess or seasonal items to make sure the viewers can see the space. Crammed spaces give viewers the perception that there is not enough storage space and that the house is bursting at the seams.


3. The furnishings are too big or there are too many for the space. The corners of the room need to be seen, so remove extra or oversized plants, fans, gym equipment, chairs and tables.


4. "Clean" means different things to different people. It may be common sense to some, but the best way to maintain the value of your single largest investment is to follow a regular cleaning schedule. When your house is on the market, it has to be clean and ready for showing every minute of the day.


5. You love your pet so everyone else will, right? Wrong. Some potential buyers are really averse to animals of any kind, and that means that any evidence of pets will deter them from the property. If you have pets, vacuum daily to keep the hair under control and crate them or remove them from the property while it is being shown.


6. Don't hide damage to flooring, countertops, walls or other permanent fixtures. Reveal, never conceal, problem areas, and be sure to reflect any deficiencies and necessary repairs in the list price.


7. Don't leave dated or worn fixtures for the next owner to replace. The best way to increase equity in your house is to implement periodic upgrades. The simplest and least costly upgrades include light fixtures, taps and faucets, door and cabinet hardware, and drapery and window treatments.


8. Don't rush to put the house on the market before it's presentable. Selling a property requires strategic thinking. First, identify the competition, then make your house look better than others on the market. Care and attention to the details will impress potential buyers and, if the house is "move-in ready," that means less work for them and possibly a better offer for you.


Those are just a few ideas to keep in mind when thinking of putting your home on the market. Having a good realtor to help guide you can make all the difference in selling or listing. If you'd like to know where to start, just give me a call at (250) 305-7034 and we can look at your first step to selling. 

 

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I have listed a new property at 4383 WILDWOOD RD in Williams Lake.
Yahoo! Amazing home, amazing property! Over 6 acres with a large completely updated open concept family home. You'll never run out of space or bedrooms here. New roof and hardie board siding, new windows & doors and freshly paintedthroughout makes this home move in ready. Total privacy at the end of the road and only 9 minutes to Williams Lake. Features include complete water filtering and on demand hot water system and community septic system. Check out the numerous outdoor sheds for all your country needs, fenced and cross fenced, and ready for your horses. Fine country living just minutes from the city.
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I have sold a property at 6736 LAGERQUIST RD in McLeese Lake.
Yowzaa! Gibralter Mine delight! Live so close that you can hit the "snooze" button just one more time yet minutes to the amenities of Williams Lake! Incredible landscaping with rock walls, gardens and fruit trees make this private 0.8 of anacre feel like a true escape. The view of McLeese Lake is a perfect way to unwind after a long day or sipping a cup of coffee! There are 2 separate lots and titles here each one is 0.4 of an acre - already subdivided. Natural light floods into the home making it cheerful and bright! It's wonderfully well maintained and filled with years of love. Don't forget to check out the abundant closet space - perfect for extra storage of all sorts. At a a price like this you just can't go wrong!
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I have listed a new property at 6395 FORGLEN RD in McLeese Lake.
Have you been searching for an amazing waterfront property. Well here it is and at an unbelievable price. The main floor has an updated kitchen and open living space for great entertaining that leads to patio doors onto the large wraparound deck for family gatherings with a 180 view of McLeese Lake. Want to enjoy the lake you have your own dock and shed for the water toys. The home has seen new windows, doors, roof and numerous updates in the last few years. What a great place to live and just minutes to Gibraltar mine. With almost 1/2 acre and trails out the back door and lakefront out the front door you have found your paradise.
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I have listed a new property at 721 MCDOUGAL ST in Williams Lake.
Home, home, home. Check out this updated 4 bdrm, 3 bath family home in this great location close to schools and amenities. The newly updated family sized kitchen has tons of cupboards with island and informal dining area. Welcome into the spacious living room with a walkout onto a large entertaining deck overlooking the city. Then there is the large master suite with ensuite and 2 more bedrooms to boot. The large lower level media/family room has a certified woodstove and walkout doors to the covered patio. The home has an energy efficient rating with doors & windows, hotwater tank and high efficiency furnace. Then there's the beautiful fenced yard with garden, play area and 10x20 shed for the toys. The wait is over!
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They say "variety is the spice of life" and this may hold true to house shopping as well. Looking at a variety of different homes can often help you trim your "must have" list and really find the key items that will make you call your new place home.  It can be tough to have an "open mind" when it comes to some homes but when you can see beyond the 20 yr old carpet or the pastel paint color, it can sometimes be your dream home in disguise.


In looking at a variety of homes, this can be as simple as looking at homes at the top of your budget to the low end of the scale. This will give you a good idea how and why the homes differ in cost and where you might be willing to bend e.g. granite countertops to look-alikes. Other areas to consider would be different styles of homes. You need a 4 bedroom home but maybe a split-level isn't all that might work for you. That typical rancher style might not be so typical. 


Looking at a variety of homes can never hurt. It might just make you realize that the one that first caught your eye is a keeper. 


If you are looking to spice up your house hunting, give me a call at (250) 305-7034 and I'll help you find the variety you are looking for. 


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Custom window treatments are an easy, affordable addition to every home. They increase property attraction, add extra value, and can increase the sale price for the residential properties. In addition to protecting the premises from unwanted “spectators,” window treatments give the home a warmer feeling.

Window treatments available include blinds (mini, vertical, horizontal, wood), honeycomb shades, shutters, upholstery, and top treatments. If you want to accent your shades and blinds, you may wish to consider swags and jobots (pronounced je-bows), matching bedspreads and valances. Valances are fabric placed at the top of the window, above a window treatment if present, adding height to the window. They provide an elegant finish to any room, with or without window treatments.

Which window treatments should you choose? That is a matter of personal choice. However, here are some helpful tips to help with your decision:

 

§  What fits best: Vertical blinds are often the best solution for sliding glass doors, as the window and blinds both open in the same direction. Similarly, horizontal blinds are best for “up and down” windows.


§  Most popular choice: A big seller is two-inch wood blinds. They come in real wood or faux wood. The real wood is stained to match the color of your favorite wood tone (i.e. pecan, cherry, maple, etc.) and also come in a variety of “whites.” If you have a special color in mind, wood blinds may be painted at the factory to match exactly the color of your choice. Faux wood blinds are better for high humidity locations and also come in faux wood stains, as well as a variety of white-tones.


§  Possible money-saver: Use your window coverings to help keep the cool air in during the summer and fall and out during the winter. Honeycomb shades do this by letting in the light, but keeping the elements outside so the home remains comfortable and energy efficient and your electric and home heating bills are more manageable. Honeycomb shades are available with a pull cord or without (child safety).


§  Let the light in: If you would like to have light enter through the top of the window and keep the bottom of the window covered, the “duofold” shade, also called “bottom up, top down” is right for you. The shade goes up or down, depending on your preference. It comes with cord or cordless and even remote control activation. “Duofold” shades also are available with a room darkening option, which is perfect for bedrooms with early morning sunlight exposure, especially if your bedroom window faces the South and the morning sun wakes you earlier than you would like. Whether room darkening or light filtering (translucent), duofold shades provide you with the highest level of privacy available from a shade.


There are just a few options to consider when updating your home. If you have any questions about what you can do to make your home "market ready", just give me a call at (250) 305-7034 and we can go over the different options you may have. 


 

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I have listed a new property at 81 COUNTRY CLUB BLVD in Williams Lake.
Your wait is over. This beautiful 4 bedroom level entry home on almost 1/2 acre in popular Country Club is just waiting for you to call it your own. With hardwood flooring, a contemporary country kitchen and dining room and the large lowermedia & sports room you'll know you are at home the minute you walk in the door. The outdoors offers a relaxing deck and a large manicured lawn, fenced in area for the family pet and tons of privacy in your backyard that backs onto greenspace and nature trails. Wait 'til you see the large garage and separate man size hobby shop and the covered breezeway for your boat or toys. With all this you'll fall in love immediately.
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I have listed a new property at 225 WESTRIDGE DR in Williams Lake.
This 3 bedroom Marquis style home is meticulous and has everything you are looking for. There's the beautiful cathedral style windows, gas fireplace & patio doors leading to the large balcony/patio with a view of the lake. The family room adjacent to the dining room and kitchen makes for easy entertaining. The lower level is just waiting for you to create the ultimate media or rec room and is plumbed ready for a suite if desired. Check out the 2 door 20x20 heated garage and the parking spot for the RV. The final touch is the incredible backyard filled with stonework, shrubs, flowers and the perfect relaxing space with a great view of the lake. Once you see all this home has to offer, you won't want to leave.
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Home buyers may be so swayed by the home’s appearance and price that they may be missing out on researching some other important factors about the home that may keep them happy there for years to come. Some of the most common areas that buyers overlook in their home purchases include:

 

1. Nearby zoning.  The surrounding area of a home or neighborhood can change drastically through the years so home buyers shouldn’t always assume that what they see today is what they’ll get a few years from now. Green picturesque landscapes outside their windows may one day be replaced by a row of retail stores or major highway. On the other hand, sometimes change can be viewed as good, such as a recreational park or school nearby.

 

To avoid unhappy surprises, home buyers should investigate the zoning of any vacant properties near them to give them more of an idea of what the future may hold.


2. Remodeling interference.  Home buyers may have big plans for the home they want to buy but they do they know that they'll be able to do everything on their list. Homeowner association’s, stratas or certain bylaws may have input about how a home owners may want to change their exterior. They also may have something to say about additions, like adding a garage or a guest house, or even what type of plants you use in your front or backyard. Any home buyers with lofty remodeling goals may want to check with the community or homeowner association beforehand to make sure their plans will be allowed.


3. Sight, sound and smell.  Home buyers might want to tune in to any noise that may pose a problem for them in the neighborhood. A good way of scooping out the neighborhood is by visiting the home at several different times of day and night. Maybe it’s all quiet in the afternoon but there’s a loud dog barking next door all evening. Also, how’s the traffic at different times of day? The neighborhood may become a cut-through to commuters during rush hour … will that pose a problem?

 

And finally, home buyers shouldn’t forget to pay attention to the smell. Depending on which way the wind is blowing at certain times, you might pick up a whiff of a manufacturing plant or waste-processing facility.

So buyers should be encouraged to use all five of their senses in deciding the right home for them, and not forget that long-lasting happiness with a home purchase is much more than fancy upgrades. If you need assistance in locating those key factors, just give me a call at (250) 305-7034. 

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I have sold a property at 4780 LIKELY RD in Williams Lake.
Hobby farm plus! 133.92 acres. Property has 2 lakes, 40x32 barn and a greenhouse. Good sized family home tops it off. Also if you fly, this property has it's own airstrip.On the way to Mount Polley.
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I have listed a new property at 5145 CAVE RD in Williams Lake.
Beautiful 160 acres located 40 minutes from Williams Lake, 10 minutes to Horsefly. This property offers total privacy, beautiful surroundings including 2 creeks, large trees and lots of wildlife. Home is an older log home with lots of updates, large newly renovated bathroom, 900 sf unfinished addition offering 2 bedrooms and a large family room. This is the perfect private location.
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I have sold a property at 85 770 11TH AVE N in Williams Lake.
Move right in to this nice home in nice park! 2 bedroom home features large 5 piece bathroom with big soaker tub, separate shower & 2 sinks! with access from master bedroom or main hall. Large sunken living room with vaulted ceiling. Nice open plan kitchen, dining & living room. 2nd bedroom has built in ironing board. Central location with short walk to all levels of schools, hospital or University. On Gibraltar Mine bus route also. Good resale area. Easy & quick possession, priced to sell!
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I have listed a new property at LOT 13 HAGGENS POINT RD in Williams Lake.
Looking for the ultimate place as your recreation home. This 2.7 acre lot is ideal for your motor home, travel trailer or to build that home or seasonal cottage. A shallow well, road and building site is all in with a dock and moorage for your boat. Long time residents adore this quiet gated community with its fabulous views of Quesnel Lake and surrounding mountains. The lot location is one of the largest and best in the area and these rarely comes up so don't miss out on your opportunity.
Read Full Story