February 2020

Every home buyer who doesn’t pay in cash will need to use a home loan to borrow money from a bank or other lender. There are many types of mortgages that buyers can choose from, but all mortgages need payments to be made every month in order to stay on track. No homeowner ever wants to be late with their mortgage payment, but sometimes things happen that cause a payment to be late. This is what happens if a homeowner is ever late with their monthly mortgage payments and what a homeowner should do if they ever know in advance they’re going to be late.

For informational purposes only. Always consult with a licensed mortgage or home loan professional before proceeding with any real estate transaction.

Grace Period

In Canada, most mortgage lenders

A home-buying wish list may sound a little like a goal board where Bearspaw home buyers imagine everything from a fireplace in the bedroom to a full-fledged coffee shop in the basement. But a real wish list is a little more practical than that. It's about carving out necessities to guide buyers while they explore different neighborhoods and home styles.

Questions to Ask

Here are a few questions for all buyers to consider as they map out their list:

• What's the ideal age of the home?
• How far will children have to travel for school?
• What architectural styles fit the family's lifestyle (e.g., avoiding stairs for younger children)?
• Should the home be close to a major freeway or public transit?
• How much maintenance work will the

Moving house as fast as possible is always a challenge for people struggling with short-notice deadlines and tight relocation plans. To leave a property on the clock is possible has nothing to do with an itinerary move and you better be prone to multiple compromises during the process.

That’s why the Justin Havre team gathered top-of-the-line moving and packing tips that will help you save time and effort when you have to get out of your old property and relocate.

Check them out and start over with greater success than you have imagined.

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Communicate with your

A budget can be precisely what buyers need to stay on track when it comes to their finances. And while it may not be the most exciting part of owning a home, it's not actually difficult to map out. As buyers research the average costs of a variety of properties (e.g., single-family homes, condos, etc.) in any given area, they can start to get an average ballpark of what they can afford. From the down payment to the closing costs, learn more about what it takes to put everything in order.

Compare and Contrast

Prospective buyers need to first account for every penny they make per month. This should include not only standard paychecks, but also dividends, bonuses, freelance work, etc. From there, total all monthly expenses, including:

• Savings