Whether you've missed only a single mortgage payment, multiple payments, or you are a week away from losing your home, you're not too late.

WE CAN STILL HELP!

Foreclosure can be a very scary and sensitive situation but can be resolved easily and in a timely manner when dealing with the right people. There is a lot of corruption, intimidation, and false information provided to people when they are going through the foreclosure process. We are here to give you honest facts and to help you stop the foreclosure process.


The foreclosure process takes place as follows:

  1. Your mortgager/bank/lender will hire a law firm to sue you for the full amount owing on your mortgage.
  2. The law firm will file a claim against you for that amount, and will make an application at the court to re-possess your home. The...
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From CIR REALTY President 
 
I'm happy to report that we continue to outperform the overall market (CREB). For September 2016 CREB's total sales were up 2.06% compared with 2015. CIR's total sales for September was up 7.80%. For the year-to-date picture, CREB's total sales for the first 9 months is down 8.52%. CIR's total sales for the first 9 months is up 1.0%.   
 
Congratulations to everyone at CIR for continuing to outperform the main CREB benchmark by a wide margin this year. Well done!    
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The Office of the Superintendent of Financial Institutions (OSFI) recently launched a proposal that could push future Canadian mortgage rates higher.

When OSFI makes changes, it first issues a proposal that is “open for public consultation” up to a certain deadline, which in this case is October 18. But OSFI is making this proposal in the same way that I propose to my kids that they brush their teeth before bed – while technically I am asking, one way or another, it’s going to happen.

In its recently revised Capital Adequacy Requirement (CAR) Guideline, which is designed “to ensure that capital requirements continue to reflect underlying risks and developments in the financial industry”, OSFI has made allowances for increased risk at both the individual and...

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MLS C4084133

 

Panorice Mountain Views - just listed  1950 square foot 10 foot ceilings walk out bungalow with finished lower level

 

4 bedrooms if you wish, or make into an offer or personal gym.

 

In Floor Heat

Air Conditioned

Heated Garage

Upper Main floor laundery

5 Piece Ensuite

Hardwood flooring

open concept

3 sided fireplace

built in cabinets

Murphy bed

Front Covered Porch

Large West Facing deck - Mountain views

 

 

This home is loaded and Ready for you

 

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Pet Friendly Realtor® - working hard to find YOU the right home along with your fur babies. 

- which condos are pet friendly

-city rules on pets 

-bylaws for pets

-cost for pet licenses

-mobile Vet recommendations


Allow me to help you find YOUR next home for the entire family


call:  403.827.4663


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I met a wonderful lady by the name of Jocelyne from Moncton who was at a conference I was attending in Toronto.  

To my surprise and delight - I recieved a card just to say hello - and how she enjoyed meeting me and her take away from the conference.  

I so enjoy attending Conferences for this alone, I met someone who I can refer to for Moncton in the future.  

I also have met someone who is growing her business - who has challenges and victories just like me.  Thanks Jocelyne - Royal Le Page Atlantic 

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Home buyers are flocking to Airdrie. 


Recent stats show an influx of buyers coming from Calgary to consider living in Airdrie.


With very limited inventory, homes are selling fast.  Some in a matter of days.


Looking for a home in this kind of market can be challenging.  With more buyers looking at the same home - you have to be prepared to get into a mulitple offer situation.


Having lived in Airdrie 17 years - will help with this - I know the communities and the history of homes here.


Having all your ducks in a row will help too.  Need mortgage advice, get qualified or just need to get some sound information - I have you covered.


Give me a jingle or text - would love to chat  403.827.4663

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There are 147 properties for sale in Airdrie today


126 are single family homes  


86 Homes have sold in the last 30 days


we have less than one month of inventory on the market


over 70% of the home's statistically to sell in the next 30 days


Market Condition:  Sellers


Average List Price: $ 398,257.000


Average Sold Price:  $393,485.00


Average Days on Market:  42


Average list to sale price ratio:  98.8%


Property priced at market value will attract more buyers than a home prived above market value.  Consider that a competitively priced property will also attract a greater number of potential buyers and increase your opportunity for a quick sale.


Sellers can take a slightly more agressive approach to pricing but it's not recommmened to step out of the realm of realsitic....

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DINING OUT

When Albertans aren’t working or playing, we have a record-breaking appetite for dining out.

In August, spending at restaurants and bars in Alberta reached a new record high of $685-million (adjusted for seasonality), according to Statistics Canada. That builds on the previous high of $678-million set in July. And, the trend is ongoing. Over the last 12 months, spending is 6.3 per cent higher than the previous 12-month period.

On a per person basis, diners in Wild Rose Country spent around $170 per person in August on food and drinks outside the home, which is about $37 more than the average Canadian (see chart).

What explains this dramatic difference? The most significant factor is income. Albertans earn, on average, $1,117 dollars per week—about 20 per cent more than the average $918 earned across the country. Higher income means more dollars available for discretionary purchases.

But there are also less positive factors behind the flurry of spending. Albertans may be facing higher menu prices. It’s rare not to hear someone gripe about the cost of a standard burger and pint of beer. Albertans also work more hours each week than other Canadians, which may leave us strapped for time. Grabbing take-out food on the way home or a sandwich in the food court may be less about choice, and more about having little available time to cook or pack lunches. 

...
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Close the purchase


Your offer has been accepted and you can't wait to move in. But don't break out the bubbly just yet. You have to close the deal. Your REALTOR® and lawyer will do most of the closing work, but here's your checklist.



Immediately begin satisfying any conditions of the agreement that require action on your part. Your REALTOR® can fill out the documents stating that the conditions have been satisfied.Have your lawyer begin searching title to the property. This can take a while, so make sure you allow ample time


Well before closing, get your homeowner's insurance to be effective on your closing date. Your insurance broker will give you a 'binder' letter certifying that you're covered.


You can't get a mortgage without this letter! 


Contact your lender and have them finalize...

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Get a Mortgage Pre-Approval

It’s a very good idea to get a pre-approved mortgage before you start shopping. Many realtors will ask if you’ve been approved. A lender will look at your finances and figure the amount of mortgage you can afford. Then the lender will give you a written confirmation, or certificate, for a fixed interest rate. This confirmation will be good for a specific period of time. A pre-approved mortgage is not a guarantee of being approved for the mortgage loan.

Even if you haven’t found the home you want to buy, having a pre-approved mortgage amount will help keep a good price range in mind.

Bring these with you the first time you meet with a lender:

  • Your personal information, including identification such as your driver's license
  • Details on your job, including...
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Workin' hard for the money 

The Owl examined median family income earlier this week and showed that Albertans earn considerably more than households elsewhere in Canada. But just how many hours are spent each week at work to bring home those big paycheques?

In July, the average employee in Alberta worked approximately 32.2 hours, including overtime, a week, which is 5.9 per cent longer than the national average. According to Statistics Canada, Newfoundland and Labrador came in a close second at 32 hours, while workers in British Columbia had the shortest week, clocking 29.6 hours.

Perhaps even more interesting is how the workweek has changed over the last ten years. Albertans now work an extra hour and 20 minutes—or 4.2 per cent longer—than they did in July, 2003. That’s the second highest rate of increase among the provinces. Yet, across the country, the average employee worked about 30 minutes less per week over the same 10-year period.

The fact that Alberta and Newfoundland and Labrador have the longest workweek is a reflection of the strong economies and the amount of overtime required. However, employees in New Brunswick rank third for working long hours even though the province has a high unemployment rate of 10.7 per cent. Employers may be requesting more overtime to avoid hiring more workers.

While logging a lot of hours at the office may be a badge of honour to some Albertans, it comes with distinct drawbacks. Workplace stress and illness may also be rising. The most productive employees are those who can balance work and life most appropriately—and for some that might mean working less. 

...
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One conversation with the man the bedding industry has dubbed the “Wizard of Ahhs” is all it takes to be convinced that with his mattress-design expertise he can and will solve the greatest sleep discomfort.


“Mattress making is like cooking to taste: We have the idea and we make the first rendition and we keep remaking and tweaking it until it's perfect,” Earl S. Kluft, owner of the luxury bedding brand E.S. Kluft & Co., told FoxNews.com.

Priced at $33,000, Kluft’s Palais Royale bed, sold exclusively at Bloomingdale’s, is his hand-tailored take on the 1940s “Rolls Royce” of mattresses -- the “Aireloom.”


Bloomingdale’s wanted to develop an “ultra-premium bed” and tapped Kluft to design “a line that would ...

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Calgary

Throughout 2013, Calgary has led Canada’s upper-end real estate market in nearly every category.


Calgary ended the summer with a strong finish and experts predict sales momentum to continue into fall, as resale and rental inventory remains tight. Strong employment and migration numbers reflecting the city’s continued economic health will drive demand- it is estimated that for every 300 square feet of new office space created, an additional person is added to downtown Calgary.


The high number of executive level jobs created will continue to fuel demand for top-tier real estate specifically, as newcomers take advantage of the city’s relatively affordable real estate market to “buy up”.


In spite of the floods experienced by the city this summer, there is not...

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According to Statistics Canada, about one-quarter of Canadians are spending too much on housing costs. “Too much” is defined by Canada Mortgage and Housing Corporation (CMHC) as 30% or more of household income. Are you house rich and cash poor?


First off, it’s important to understand what CMHC’s “household income” refers to in order to measure if you are over or under the suggested 30% threshold. They define household income as pre-tax household income, which is a questionable metric due to our tax code.


We have a graduated tax system in Canada where every taxpayer files their own tax return, so there can be a big difference in after-tax income between two households with identical household incomes. A household where two people are earning $50,000 each in...

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Airdrie has seen more sales this summer than in recent years.


With limited inventory - buyers are out there 


Call Today 

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Ottawa’s latest housing crackdown has some wondering — why now?

  

By Garry Marr, Financial Post August 7, 2013

 

 Last week, realtors in both Vancouver and Toronto released results showing a strengthening market. Toronto July sales were up 16% from a year ago and Vancouver 40%.

The latest tightening of mortgage rules might come down to a couple of thousand dollars for the average Canadian consumer but that still has many wondering why Ottawa is cracking down once again on housing.

Don Lawby, chief executive of Century 21 Canada, said if the latest changes raise borrowing costs, housing is going to get more expensive.

“In the eyes of the government, housing must be out of control again, but I don’t see it,” he said, adding the warning, “if...

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Data supplied by CREB®’s MLS® System. CREB® is the owner of the copyright in its MLS® System. The Listing data is deemed reliable but is not guaranteed accurate by CREB®.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.