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Dave Ryan & John Ryan Present: New Listing – February 22/17

February 23rd, 2017 by remax-realestate-stonyplain

224964753

 

This nearly brand new 2-storey in Stony Plain is just stunning! Built in 2014 this is a great place to call home! Large welcoming foyer when you walk in the front door. Very open floor plan with kitchen, dining and living room. The living room features hardwood floors and a gas fireplace. The kitchen has all stainless steel appliances, hardwood floors, granite countertops and a corner pantry. The dining area has plenty of space for family meals and doors to the deck. Move upstairs to the large bonus room. Tall ceilings and plenty of space for family movie night! The master suite is a great size with large walk in closet and a 4pc ensuite. The ensuite even features in floor heating for extra warmth on those cool mornings. The other 2 bedrooms are a great size for kids, guests or a home office. An additional 4pc bathroom rounds out upstairs. Main floor laundry is an added bonus. Basement is unfinished. Garage is 21×21 and fully insulated and dry walled. Central A/C and security system included!!

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17830743/219-SILVERSTONE-CR-Stony-Plain-Alberta-T7Z0E8-Silverstone

Making your Mortgage Payment

February 23rd, 2017 by remax-realestate-stonyplain

mortgage_payments

There are many options when choosing a type of mortgage payment. The best payment choice depends on an individual’s preference and goals.
Payment frequency and payment acceleration are the two features you need to consider. Here is some information to help determine the best mortgage payment type for you.
Mortgage payments can be made weekly, bi-weekly, semi-monthly or monthly. Your work payment schedule should be taken into consideration when choosing a payment frequency.
This will ensure that your bank account will always have loan_paymentmoney available when the mortgage payment comes out.
When you sign your mortgage documents you will be required to provide your bank account information so the mortgage payments will be automatically withdrawn. It is important to make your mortgage payment on time.
A weekly payment amount is determined by taking twelve months of mortgage payments and dividing them by fifty two weeks in a year. Most financial institutions will withdraw the payment each Friday.
A bi-weekly payment amount is determined by taking twelve months of mortgage payments and dividing them by twenty four.
Most financial institutions will withdraw the payment on the first or fifteenth of each month. If the first or fifteenth fall on a weekend, the payment will come out on the Friday.
A monthly payment is determined by taking twelve months of mortgage payments and dividing them by twelve.
Most financial institutions will withdraw the payment on the first of each month. If the first of the month is a weekend, the payment will come out on the Friday.
Payment frequency is not the key factor when reducing the amortization period of your mortgage. Playing down the mortgage principal is. All the talk of bi-weekly payments taking five years off your amortization period is not true.
Although you will save some interest making your payments more frequently, ultimately increasing your payments is what results in the significant amortization reduction.
An accelerated payment is how you reduce your mortgage amortization.
Instead of taking twelve months of payments and dividing them by the payment frequency, the bank takes thirteen months of mortgage payments and divides them by the payment frequency.
This will increase the payment. The extra money goes directly to paying down the mortgage principle. Late-Payments
This will reduce the amortization on a mortgage by approximately four to five years.
Choosing the right payment is important so that your payments are made on time and your mortgage goals are being met.

 

Rodney Biggar (Mortgage Specialist)

Lee Smithson Presents: New Listing – February 21/17

February 22nd, 2017 by remax-realestate-stonyplain

224964620

 

Diamond Star Green Built Home located in Greenbury area beside Jubilee Park. This unique 3 story Dolce Vita “Lexington” floor plan provides an open main floor with kitchen that overlooks dining & living areas. There is a door off the dining to the massive pie shaped south facing back yard and deck with gas line for BBQ hook up. The upper level has 2 large “master suites” that each have walk in closets & 4pc en-suites and laundry room. Continue to the upper Master loft with vaulted ceilings large walk in closet and 6pc spa ensuite. The lower level is developed with family/entertainment room, den with adjacent room that is roughed in for additional future bathroom, storage & utility room. This home is green built and energy efficient from the LED lighting throughout, to the Envirosense high efficient (96%) hot water tank, high efficient (95%) 2 stage furnace, HRV system and energy star appliances. Steps to the Jubiliee Park to enjoy green space, parks & new spray park opening 2017!

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17826478/25-GREENBURY-CR-Spruce-Grove-Alberta-T7X0L9-Greenbury

 

 

Darcy Torhjelm Presents: New Listing – February 19/17

February 22nd, 2017 by remax-realestate-stonyplain

224962973

This great 1400 square feet plus bungalow has a fully finished basement with second kitchen set up for canning or large family gatherings. 3 Bedrooms upstairs with open kitchen area. Well maintained home has plenty of Storage space, Large Heated 28×36 square feet garage, Large deck area with Hot Tub Room. Built on 3 Acres the lot is fenced and usable for horses or family pets. 100 fruit trees have been planted, Saskatoon bushes and a large Garden are all set for Canning. Lots of space for storing Campers and Toys.

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17821044/124-53123-RGE-RD-21-RD-Rural-Parkland-County-Alberta-T7Y2G9-Crystal-Meadows

Close the Purchase

February 20th, 2017 by remax-realestate-stonyplain

 

REMAX_Master_Balloon

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 your mortgage documents. Have your lawyer review them before you sign. Your lawyer will transfer essential utilities like hydro and water, but you’ll have to make sure telephone and cable companies switch their services to your name.

 

If you rent, give notice to your landlord or sublease your apartment.

 

Begin planning your big move! Where are those cardboard boxes?

 

Send out your change of address information and fill out a card at the post office.

 

Contact the Ministry of Transport about changing your driver’s licenses.

 

Walk through your new home one more time with your REALTOR®. A day or two before closing, you’ll meet with your lawyer to sign the closing documents. Your lawyer will tell you in advance what certified cheques you’ll need to seal the deal.

Ben Jespersen and Lawrence LeMesurier Present: New Listing February 14/17

February 16th, 2017 by remax-realestate-stonyplain

224963904

Wonderful 3 bedroom 1,129 Sf. bungalow with plenty of upgrades up-grades done throughout this home, including some windows , main bathroom, siding with upgraded insulation, laminate flooring, fresh paint & newer rear privacy fencing. You will love the open living room with bright east facing bay window & vaulted ceiling along with an ample sized kitchen and dining room . Great master bedroom with a 2 piece en-suite, as well as 2 other bedrooms. The basement is 70% complete with rec room with new carpet tile , fresh paint and 2 piece bath. Plenty of room to build a 4th bedroom, and there is a large storage and laundry room. Awesome double car garage, detached with front drive access and no back lane. Close to schools, bus route to Edmonton, & shopping . This a great family home!

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17810016/89-BRANTFORD-ST-S-Spruce-Grove-Alberta-T7X1C3-Brookwood

 

 

 

John Ryan and Dave Ryan Present: New Listing February 13/17

February 16th, 2017 by remax-realestate-stonyplain

224963917

Great floorplan in this bungalow in Sunrise Village. It’s been a while since there has been a unit available in this great complex in Stony Plain. This 1100 square feet unit is a perfect spot. With 2 +1 bedrooms and 2 bathrooms this open floorplan is ideal. Large kitchen with bright windows opens onto the spacious dining area. The living room is a great size and can accommodate plenty of entertaining. The master suite features a large closet. The 2nd bedroom is also a great size with a bay window. Basement is fully finished with an additional bedroom and 3pc bathroom. Lots of extra living space there for crafting and socializing around the gas fireplace. Corner unit so only 1 neighbor to worry about. Deck has plenty of trees around and a great spot to spend the evening! Wonderful location within walking distance of shopping, pharmacy and doctors offices. 45+ living in a very well managed and maintained condo!

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17810025/62-4401-37-ST-Stony-Plain-Alberta-T7Z1L3-Sunrise-Village

 

How to Buy a Foreclosed Home

February 16th, 2017 by remax-realestate-stonyplain

 

It’s no secret that foreclosures have rocked the American real estate market over the past five years, but what about the Canadian real estate scene? While our major housing markets have faired better than that of our neighbor, there are still many foreclosed properties available across the country. First time home buyers and investhtors alike are jumping at the chance to take advantage of this surge of inventory thanks to affordable investment opportunities. But you can’t reap the rewards until your experience the risks. If you’re considering bidding on a foreclosed home it is important that you first understand the pros and cons of purchasing a property that’s in financial limbo.

Foreclosure in Canada

The United States and Canada have somewhat similar foreclosure procedures, however there are a number of slight differences that will impact your purchase. In Canada, there are two different procedures that dictate the way foreclosures are processed: Power of Sale and Judicial Sale.

Power of Sale is an arrangement in which the owner is allowed to sell the property in order to make back the money that is owed to the lender. This method is done outside of the courts. Judicial Sale refers to the procedure where the lender must petition the court for permission to sell the defaulted property. In this case, the lender sells the house in order to recover the money that is owed.

The chosen method differs based on your province: British Columbia, Alberta, Saskatchewan, Manitoba and Quebec all follow the Judicial Sale procedure. Nova Scotia also abides by this procedure, however it is referred to as Mortgage Foreclosure. The provinces of Newfoundland, Ontario, New Brunswick and Prince Edward Island follow the Power of Sale procedure.

Be Careful When You Buy

It’s important that you carefully inspect the house prior to submitting an offer for purchase. In order for a home to go into foreclosure, the owner must be having problems making their mortgage payments. Normally, this is due to some kind of financial hardship. It goes without saying that these financial struggles have likely affected other responsibilities, including regular maintenance to the home. As such, the home that you’re hoping to purchase could be in disrepair or need renovations in order to make it habitable. While you might receive a great deal on the purchase price, there could be the potential for many costly repairs.

Another factor to consider is the property’s location. If the neighborhood is experiencing a downward trend, you might have a hard time recouping your investment when it comes time to sell.

Seek Help From a Professional

Purchasing a home that is in foreclosure can be tricky. The purchase process can be long and drawn out, so patience is a must. A professional real estate agent and mortgage broker will help prepare you for the challenges of negotiating a purchase price. When the process of buying a foreclosed property is handled correctly, the opportunities are endless.REMAX_Master_Balloon

 

Lawrence LeMesurier and Ben Jespersen Present: New Listing February 10/17

February 14th, 2017 by remax-realestate-stonyplain

224963754

If you are looking for 20 acres with a pond, only 5 minutes to Stony Plain on pavement, this is a great property for you. Excellent future development opportunity! Amazing land with fenced area, great for horses. Enjoy acreage living with a variety of wildlife surrounding you. Deer frequent through the property, and a variety of waterfowl as well beavers enjoy the pond in the spring and summertime. Quaint 1,334 sf. bungalow with three bedrooms. This home has great potential which features a great kitchen with charming finishes, as well as excellent counter space. The living room has stunning hardwood flooring throughout as well as a spiral staircase, which adds more charm to this hidden gem. The basement has an east facing walkout. This property also features a 44×22 heated shop.

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17802479/4-53103-RGE-RD-13-Rural-Parkland-County-Alberta-T7Z1X2-None

 

 

Darcy Torhjelm Presents: New Listing February 9/17

February 14th, 2017 by remax-realestate-stonyplain

224963549

Excellent Country Living Close To Stony Plain. Only Minutes North of Stony Plain this 1580 fully finished Bungalow has plenty to offer. 3.14 Acres- fully treed and private. This Walkout has a fully finished basement with a large family room area large enough for a Pool Table and great space for a TV- Great Man Cave. Total of 5 Bedrooms with 3 up and 2 down. Master Bedroom has a 4 pc ensuite and walk-in closet. The large open kitchen area has a center island, Maple Cabinets and Hardwood Flooring. The Living room has a Fireplace and West Facing Deck with plenty of room to enjoy those Summer BBQ’s. Vaulted Ceilings, Main Floor Laundry – a well maintained and enjoyable home. The Garage has high ceilings and is 24X32 with an additional storage space. Great Home.

 

You can find the link at realtor.ca below!

 

https://www.realtor.ca/Residential/Single-Family/17797590/23-Westwood-Lane-Rural-Sturgeon-County-Alberta-T8R0S7-Westwood-LaneMSTU

 

 

The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the REALTORS® Association of Edmonton. 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.
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