All Blog Entries by Call Centre

Found 69 blog entries published by Call Centre.

How to Decorate Your Home For HalloweenOctober is often a busy month, and people can easily find Halloween fast approaching without a clue of what to do. It can be hard to start decorating without some inspiration, but the following ideas can help get the process started. Consider a few easy and affordable ideas to make a home ready for trick-or-treaters.

Select a Theme

There is no need to reinvent the wheel. Many themes used for Halloween parties can be used throughout the interior and exterior of a home. Traditional Halloween ideas can include references to a scary movie or book, vampires, witches, werewolves and more.

Those with young children may want to dial down the gruesome factor for a more wholesome celebration. The look of a spooky abandoned house can be achieved with

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How to Choose Between a Bank and a Mortgage BrokerIf 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.

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

Using a Mortgage Broker For Your Mortgage

This is a professional that specializes in mortgages and acts as a third-party to bring together borrowers and lenders. A broker can access a variety of lenders

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The Importance of Removing Smoke From Your Home Before SellingA 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!

How Smoke Smell Affects Home Resale Value

During the course of the study it was found that 401 brokers and agents agreed that smoking does make selling a home more difficult when compared to one that is smoke-free. More than half of the professionals surveyed, 56% of them, said that the buyers they work with are less likely to buy a home where

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How to Redesign Your Home For Senior RetirementMost 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.

Some of the modifications that can be made to a home to make it retirement-friendly include the following:

Living On One Floor

Stairs are great when you're younger and can appreciate the exercise they provide but once you're older they can become a problem. Planning to live on a single floor during your golden years is one of the best decisions you can make. This can involve either moving to a condo or a bungalow

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The Best Amortization Period For Your MortgageAccording 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.

For informational purposes

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Is a Fixed Rate Mortgage or Variable Rate Mortgage Better?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.

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

What Are the Pros and Cons of Variable-Rate and Fixed-Rate Mortgages?

An adjustable-rate mortgage (ARM) has fluctuating payments based on the specific terms of the mortgage and a benchmark interest rate that is chosen by the lender. This can be beneficial for home buyers, especially for those who are expecting changes in the next few years and are not looking for long-term

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What to Know About Avoiding Mortgage DefaultThe market conditions have changed quite dramatically over the past twelve months. As a result, some homeowners may stumble upon financial hardships that make it difficult for them to pay their mortgage payments. Once your mortgage loan defaults, the chance of foreclosure increases.

If you or your spouse has lost employment and no longer make as much money, and you see meeting your mortgage payment obligations is going to be problematic, the first step is to take a deep breath. There are literally millions of people that face the same problem. You are not a bad person, so leave any feelings of guilt at the door. You do not have time for them. Instead, you need to focus on your options.

Try not to panic and instead act quickly to find

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How to Target Your Real Estate MarketThe fastest way to find buyers when selling your home is by figuring out who would want it. There are target markets for anything that is being sold in today's society and the same is true for real estate. When you find your target market and connect with them you will have more interested buyers because they want what you have to offer.

You aren't going to try to sell a one bedroom condo to a family with four children. Likewise, you probably won't end up selling a large estate house to a retired senior. You can narrow down what your target market is by looking at the location of your property, its size and the demographic factors of the community.

What Different Demographics Can You Target?

There are some areas in Calgary that attract

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How to Avoid Real Estate ScamsIt's important to take certain precautions when you're house hunting or looking for a place to rent. In today's tight real estate market in Calgary, it can be easier to fall prey to a scam due to desperation. In order to help you avoid these scams, we have put together some common sense guidelines to follow.

Avoid Sending Money

You'll want to be sure that there's a legitimate person at the other end of the transaction. If you're ever asked to send money through the mail or via wire transfer, turn the other way and run. A legitimate transaction will take place either between the buyer/ renter and the seller/ landlord in person or through an accredited property management company or real estate agent. The best way to make sure your transaction

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What to Know About Conducting a Land SurveyLand surveys are prepared for residential homes and show you exactly where your home is sitting and any renovations and improvements that have been made to the exterior of the property. Some things that may show up on a survey report may include additional decks, pools, driveways and buildings that have been added. This is a legally binding document that can be called upon by the local municipality, mortgage company or the bank and its helpful when any real estate transfer is taking place.

There is no expiration date on a survey but it is a good idea to get one if you are involved in a real estate transaction. In some cases it will be required by the lending institution as part of the financial conditions for the home loan.

Are You Required

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