All is not lost for homeowners who want to make an upgrade to their cabinetry but have a relatively small budget. A home loan is not needed for these simple upgrades to cabinets that can make a dramatic difference.
It is possible to improve the appearance and functionality of cabinets with some affordable updates. Explore a few ways to make old cabinetry more modern today.
Paint Cabinetry
It is entirely possible to makeover kitchen cabinets without laying out a significant amount of money. Rather than rip out old and dated cabinets, cabinetry with good bones may only need a new coat of paint. A semi-gloss enamel paint may work best for some types of cabinetry.
Resurface Cabinets
A homeowner may need to put in a little more elbow grease
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If you're new to the world of purchasing a home and haven't taken out a mortgage before, you may be confused about the differences between a mortgage broker and a loan officer at the bank. Although they can both provide you with a mortgage, there are differences between them that you'll want to learn so that you can get end up getting the best mortgage possible that matches your personal financial situation.
A new survey was conducted by Pfizer Canada that asked real estate brokers and agents in the province of Ontario about the price changes that could occur due to an owner smoking in their home. The survey showed that smoking could reduce a property's value by up to 29%. It's important to note, however, that Pfizer Canada is a pharmaceutical company that promotes a medication to help smokers quit the habit!
The food scene in Calgary is diverse, with a number of different restaurants, cafes, and diners, but when you're in the mood for street food, there's nothing quite like a food truck. Here are our top three choices for the best food trucks in Calgary:
Most seniors are staying in their homes as long as possible to maintain their independence and remain in the familiar surroundings they are used to. This means that many seniors are remodeling their homes to make them fit their needs instead of moving out. The best time to consider the changes your home will need is before retirement.
When considering the possibility of financing a home, some may overlook a few important considerations for lenders. Those buying a home with cash have less need to be concerned about the debt carried when buying a home compared with other applying for a home mortgage loan. Though higher mortgage interest rates and high debt levels can make it difficult to qualify for conventional mortgage options. Learn more about the debt-to-income ratio and how it may impact the ability to buy a home.
There are a lot of people that are just happy making their mortgage payments every month knowing that their 25 year mortgage will be paid off some day. For others, it's a race to the finish line where getting the mortgage paid off as fast as possible is a priority. If you fall into the second category and can't wait for the day when you can finally set the mortgage papers burning, here are the 3 tips you need to know in order to make it happen.
The Calgary Stampede is just a few weeks away. This is one of the largest events throughout the year and one everybody should attend. It's known as the greatest outdoor show on earth and includes all types of events. There's something for everybody from music to incredible food. Here's what you can expect at Stampede 2013.
According to The Bank of Canada's recent financial review, the number of people choosing amortization periods longer than 25 years rose by 10% in 2014-2015. Almost half of all uninsured mortgages in this country are now amortized over 30 years which is in direct correlation to high prices. Having your loan spread out over such a long period of time certainly keeps the monthly payments down. It is also helping to keep the rate of delinquent mortgages down as well. However, because the debt is being paid back at such a slow rate, it leads to a higher overall level of indebtedness in Canadian households. Whether buyers choose to spread out payments or are forced to, the 30-year amortization is becoming pretty stand.
If you're like most Albertans you prefer the fixed-rate mortgage. This is according to a recent survey conducted by CIBC showing that most residents in the province would select a mortgage with a fixed-rate over a variable rate.