Monday, 2 December 2013
Tiny Bathrooms
Check out this Article for great ideas for tiny bathrooms: http://www.buzzfeed.com/twopoodles/15-lifehacks-for-your-tiny-bathroom-9g24
Wednesday, 27 November 2013
Lots of fun to be had this winter in Mississauga
Lots of fun to be had this winter in Mississauga
by Chris Clay
MISSISSAUGA — It may be frightfully cold outside, but the frigidness won’t stop the fun the City of Mississauga has planned for the holidays.
by Chris Clay
MISSISSAUGA — It may be frightfully cold outside, but the frigidness won’t stop the fun the City of Mississauga has planned for the holidays.
On Saturday, residents can bring their pets to visit and have a photo taken with Santa at the log cabin at Bradley Museum. The event runs from noon-4 p.m. and photos cost $15 or two for $25.
On Sunday Santa and Mrs. Claus will still be at the log cabin but they'll be posing for photos with people from noon-4 p.m.. Families can have their photo taken with Old Saint Nick while children can bring their letters to Santa. There will also be refreshments and crafts. Photos cost $15 each or two for $25.
Meanwhile, The Second City presents the family-friendly comedy Miracle on Mercer St. on Sunday at Meadowvale Theatre. The holiday-themed production features original songs, puppetry and live action comedy sketches. There will be a free question-and-answer session with the cast after the show. Show time is 2 p.m. Tickets cost $12-$17. Call 905-615-4720.
On Dec. 8, various activities will be taking place at Bradley Museum, Benares Historic House and the Leslie Log House. These include visits with Santa, tours, exhibits, horse and wagon rides, arts and crafts and a family scavenger hunt. Visit museumsofmississauga.com for more.
On Dec. 14, the Nathaniel Dett Chorale presents An Indigo Christmas … Nguzo Saba at Meadowvale Theatre. The chorale performs Afrocentric music of all styles and the upcoming show is a presentation of seasonal music blending classical, gospel and jazz. Tickets cost $27-$31. Call Call 905-615-4720.
On Jan. 2, Meadowvale Theatre hosts a family fun day from noon-4 p.m. There will be classic Mickey Mouse movies, arts and crafts, stories and more. Admission costs $4-$6 and a family pass costs $15. Children under the age of 2 are admitted for free.
"Culture is thriving in Mississauga all year long and the fall and winter months are no exception," said Susan Burt, the City's director of culture division. "We have Santa, comedy sketch shows, traditional carolling and seasonal music. Get in the spirit in Mississauga this holiday season."
Thursday, 14 November 2013
Documents needed when applying for a Mortgage
Click here to read: Applying for a Mortgage? Get Your Docs in a Row
Do this ASAP ASAP ASAP!!!!!
Purchasing a home usually comes hand in hand with putting financing in place for a mortgage. Being in the business for close to 10 years I know that one of the most stressful aspects of purchasing a home is getting a mortgage. Most of the time it is simply because people are not prepared.
The best way to make sure your financing adventure is a smooth and stress free as possible is to make sure you have also been pre-approved and you have all the necessary documentation available prior to starting your home search.
Here is a quick list of all the documentation that you should have a recent copy of so that it is ready and easy to access:
Having all of this information handy and ready will make the financing process much easier and less stressful. Also, you will only have 5 banking days to get an approval so making sure that they are ready and easily accessible could make the difference between getting in your new home or having your deal fall apart. Be Ready! Get on this now!
Do this ASAP ASAP ASAP!!!!!
Purchasing a home usually comes hand in hand with putting financing in place for a mortgage. Being in the business for close to 10 years I know that one of the most stressful aspects of purchasing a home is getting a mortgage. Most of the time it is simply because people are not prepared.
The best way to make sure your financing adventure is a smooth and stress free as possible is to make sure you have also been pre-approved and you have all the necessary documentation available prior to starting your home search.
Here is a quick list of all the documentation that you should have a recent copy of so that it is ready and easy to access:
- 2 recent pay stubs
- a copy of your last 2 years of tax returns
- a copy of your last 2 bank statements showing balances. This should be for all of your accounts - nothing should be blacked out.
- any divorce decree separation agreement and property settlement if applicable
- a copy of your agreement of purchase and sale
- a copy of the MLS listing
- 2 copies of government id (drivers license, passport, credit card, citizenship card)
- job letter - let your boss know that they will be receiving a phone call to verify the information on the letter
- proof of down payment and source
- 2 recent NOA's
Having all of this information handy and ready will make the financing process much easier and less stressful. Also, you will only have 5 banking days to get an approval so making sure that they are ready and easily accessible could make the difference between getting in your new home or having your deal fall apart. Be Ready! Get on this now!
Wednesday, 13 November 2013
Are You Ready to Buy a Home?
Click here to read: Are You Ready to Buy a Home
I would say that home ownership is one of the most important and satisfying things in our adult life. No landlord, freedom to do what we want, when we want, and how we want. It offers a stability and a real feeling of home. I never really felt like I had a real home until I bought my first house. It is the feeling of something being yours, and that is home.
There are things that you need to prepare for in order to buy a home. Are your finances and credit in good standing? I believe this is step number one. When you are considering purchasing a home in the near future, get the facts down before you start looking. Get a recent copy of your credit report. You can do this a couple different ways. You can either contact Equifax online or go to one of their offices and get a copy of your report. Or you can contact a mortgage broker that you will be working with and have them pull your report. It is essential that you know where you stand with your credit. You have to fix any blunders there may be on your credit report before applying for financing. This will increase your ability to obtain the best financing possible.
Now that you understand where you stand with your credit, its time to check your finances. Do you have money for a down payment? If you do, calculate the price of a home you can afford. Down payment is minimum 5% of the sales price. Do you have enough money for closing costs (land transfer taxes and lawyers)? To figure out how much money you will need to complete the purchase of your home, you need to look at where you want to buy and how much homes in that area usually cost. To find out this information, you can do your own research of mls.ca or to get better details and more accurate information, you can contact your realtor. They will be able to give you all of that information plus more (including average square footage, home styles, etc.).
Now that your credit and financing are ready...Lets start shopping! This is the fun part. You get to go on community house tours and inspect all the homes in the area that fir your specifications until you find one that you love and is the perfect place to call home....Lets get house shopping!
I would say that home ownership is one of the most important and satisfying things in our adult life. No landlord, freedom to do what we want, when we want, and how we want. It offers a stability and a real feeling of home. I never really felt like I had a real home until I bought my first house. It is the feeling of something being yours, and that is home.
There are things that you need to prepare for in order to buy a home. Are your finances and credit in good standing? I believe this is step number one. When you are considering purchasing a home in the near future, get the facts down before you start looking. Get a recent copy of your credit report. You can do this a couple different ways. You can either contact Equifax online or go to one of their offices and get a copy of your report. Or you can contact a mortgage broker that you will be working with and have them pull your report. It is essential that you know where you stand with your credit. You have to fix any blunders there may be on your credit report before applying for financing. This will increase your ability to obtain the best financing possible.
Now that your credit and financing are ready...Lets start shopping! This is the fun part. You get to go on community house tours and inspect all the homes in the area that fir your specifications until you find one that you love and is the perfect place to call home....Lets get house shopping!
Friday, 1 November 2013
Home Sweet Investment
Click on the following link to read the article: Home Sweet Investment
This is how the rich get richer and how the general public can become wealthy and create a secure retirement plan. The fact is, the majority of people that invest their money in a stable real estate market like the GTA are making money off of their property.
Some people think that to take this money out and reinvest it they have to sell their original investment to get their money out. This is NOT TRUE. There are a lot of other options for people. For starters, they can refinance their home. All this means is that you are swapping one mortgage for another. When you do this you can take out some equity and use it how you please. This allows you to keep your original investment and invest some of your equity where ever else you choose. Another option is taking out a home equity loan. This is where you take home equity out of your property while keeping the same mortgage. The interest rate is very competitive. Your LTV (loan to value) needs to be 80%.
While using these options you have the chance to leverage your money and invest it in other ventures. Then you have the opportunity to make more money. Real estate is a sound investment. If you can leverage your money in multiple properties, you are bound to finish ahead.
This is how the rich get richer and how the general public can become wealthy and create a secure retirement plan. The fact is, the majority of people that invest their money in a stable real estate market like the GTA are making money off of their property.
Some people think that to take this money out and reinvest it they have to sell their original investment to get their money out. This is NOT TRUE. There are a lot of other options for people. For starters, they can refinance their home. All this means is that you are swapping one mortgage for another. When you do this you can take out some equity and use it how you please. This allows you to keep your original investment and invest some of your equity where ever else you choose. Another option is taking out a home equity loan. This is where you take home equity out of your property while keeping the same mortgage. The interest rate is very competitive. Your LTV (loan to value) needs to be 80%.
While using these options you have the chance to leverage your money and invest it in other ventures. Then you have the opportunity to make more money. Real estate is a sound investment. If you can leverage your money in multiple properties, you are bound to finish ahead.
How to Slash Moving Costs
Click on the following link to learn about: 6 Ways to Slash Moving Costs
Nobody likes moving. Personally, I hate it. It is such a pain. You have to pack and unpack and by the end of it you will most likely be tired and have a sore back. However, if you buy a new home, it is bound to happen. Here are some of the ways you can slash some of the expenses:
Moving Yourself: Well, I did this a couple times and it sucks. I ended up damaging a bunch of stuff which probably cost me more in the long run compared to if I had just hired reputable movers. In addition, I had to take the day off work which also meant money lost. If I had worked that day, it would have probably been the same costs as me hiring movers and a lot less headaches...and backaches. However, I am a 27 year old woman, if you have a bunch of brothers or strong guy friends, you could have a completely different experience. They would be strong enough to move everything with out damaging it and probably will save you money.
The biggest advice I can give is to really research the moving company! One time I looked and just hired one off of kijiji. What a mistake! At first I got an amazing rate and they set up an appointment with me and the experience seemed to be perfect....until the actual moving date. The movers showed up a couple hours late, which was a huge problem because we were moving from a condo and had to reserve the elevator for a specific time slot. then the movers took our stuff, put it in the truck and said that thy had to increase the actual quote to compensate for a bunch of fake charges. It ended costing twice as much as they originally said and turned into the move from hell. After researching this "moving company" and contacting the better business bureau, I found out that this was an ongoing scam and that the people were crooks!!! It ended up taking way more time than it should have and the stress was enormous. In conclusion, RESEARCH YOUR MOVING COMPANY and make sure you GET SOMEONE REPUTABLE even if it costs more. Make sure they have been in business for a long time and check the online reviews. It is 100% worth the money.
Another place where you can really save money is on silly things like boxes. If you go to U-Haul and buy boxes they are expensive. Instead, plan ahead and go to major department stores and ask for boxes, where you can get them for free. You can end up saving over $500 just on boxes. Use that money on something you can use again, not recycle right after.
The other important advice I have is to get insurance on your belongings. Things happen. I know you probably don't want to dish out any more money, but when you get a rip in your 5000 dollar couch, you will be thankful. Better safe than sorry.
Nobody likes moving. Personally, I hate it. It is such a pain. You have to pack and unpack and by the end of it you will most likely be tired and have a sore back. However, if you buy a new home, it is bound to happen. Here are some of the ways you can slash some of the expenses:
Moving Yourself: Well, I did this a couple times and it sucks. I ended up damaging a bunch of stuff which probably cost me more in the long run compared to if I had just hired reputable movers. In addition, I had to take the day off work which also meant money lost. If I had worked that day, it would have probably been the same costs as me hiring movers and a lot less headaches...and backaches. However, I am a 27 year old woman, if you have a bunch of brothers or strong guy friends, you could have a completely different experience. They would be strong enough to move everything with out damaging it and probably will save you money.
Another place where you can really save money is on silly things like boxes. If you go to U-Haul and buy boxes they are expensive. Instead, plan ahead and go to major department stores and ask for boxes, where you can get them for free. You can end up saving over $500 just on boxes. Use that money on something you can use again, not recycle right after.
The other important advice I have is to get insurance on your belongings. Things happen. I know you probably don't want to dish out any more money, but when you get a rip in your 5000 dollar couch, you will be thankful. Better safe than sorry.
Tuesday, 29 October 2013
Tips for Settling into Your New Community
Click on the following link to read about: Tips for Settling into Your New Community
- When you move in to a new neighbourhood or community, go and introduce yourselves to your neighbours. Go above and beyond and bring a bottle of wine and let your neighbours know who you are. This will impress your neighbours and set things off in the right direction. Home ownership isn't a temporary thing so its good to build positive relationships with your neighbours.
- Go to community and neighbourhood events. Street barbeques and neighbourhood parties are a great way to meet people. May sure you are very outgoing and say hi and introduce yourself to as many people as possible.
- Go out of your way for your neighbours. When my husband and I moved into our new home, our neighbours came over and helped move our appliances into our home because we were having trouble getting them through the door. They took everything apart and put everything back together. It took hours even though they didn't know us. My other neighbour cuts our grass for us. Our neighbours always went above and beyond for us and we try to do the same. It really has made our living environment much more pleasant
- Explore the neighbourhood. Find some places that you like and like going to regularly. Chances are, other people like that place too and you can introduce yourself.
- Join a gym or classes are a great way to meet people and a great way to feel connected to your community.
- Volunteer. Find some way to make the community and the world a better place. You will feel great that you are contributing and making a difference and also feel more rooted to your community because you are actively working on making it the best it can be.
Clear the Clutter and Sell Your Home
Click on the following link to read: Clear the Clutter and Sell Your Home
We have been talking a lot about this in our other blog posts. Clutter stops the sale of your home. It disables the potential buyer from being able to see the true potential and beauty of your home. Simply put, clutter is a visual turn off. I always advise my clients to give their homes a contemporary look. Contemporary to me is the basis of simplicity. Clearing the clutter is just cleaning up. Your tables should not be piled with books, nick knacks, magazines, or your favorite lip gloss. PUT THINGS AWAY! Everything in your home should have its own place, and if it doesn't, then it is time you get rid of it.
Keep you furniture to a minimum. This means essentials only and in this case less is definitely more. The space will look more open and spacious and its easier for a potential buyer to visualize how they would make this home theirs. With too much stuff potential buyers can just see the clutter and it acts as a mental block.
You entry room should be simple and clean. Put away all your shoes, coats, umbrellas, and toys. Make it look neat. This is a buyers first impression of the house so make an effort to spruce it up. Have a nice table with fresh flowers and a mirror. Make the entry way inviting so that they want to see the rest of your home.
Book shelves and shelving systems should also be neat. Try to go for the magazine look. On book shelves, there should be books neatly displayed like in a library. Make sure it is not a junk shelf and go through your books and recycle any of them that you don't want anymore. This also goes for any old magazines or news papers that you may be hanging on to. Its time to recycle them!
Keep everything off the kitchen counters, bathroom counters, desks, and dressers. Put everything away!
Clean out your closets and make sure clothes are hanging properly and are not clutter. Make the floor space clean and visible.
Bathrooms need to be cleaned properly. Nobody wants to see your personal hygiene products. Put them all away and out of sight!
We have been talking a lot about this in our other blog posts. Clutter stops the sale of your home. It disables the potential buyer from being able to see the true potential and beauty of your home. Simply put, clutter is a visual turn off. I always advise my clients to give their homes a contemporary look. Contemporary to me is the basis of simplicity. Clearing the clutter is just cleaning up. Your tables should not be piled with books, nick knacks, magazines, or your favorite lip gloss. PUT THINGS AWAY! Everything in your home should have its own place, and if it doesn't, then it is time you get rid of it.
Keep you furniture to a minimum. This means essentials only and in this case less is definitely more. The space will look more open and spacious and its easier for a potential buyer to visualize how they would make this home theirs. With too much stuff potential buyers can just see the clutter and it acts as a mental block.
You entry room should be simple and clean. Put away all your shoes, coats, umbrellas, and toys. Make it look neat. This is a buyers first impression of the house so make an effort to spruce it up. Have a nice table with fresh flowers and a mirror. Make the entry way inviting so that they want to see the rest of your home.
Book shelves and shelving systems should also be neat. Try to go for the magazine look. On book shelves, there should be books neatly displayed like in a library. Make sure it is not a junk shelf and go through your books and recycle any of them that you don't want anymore. This also goes for any old magazines or news papers that you may be hanging on to. Its time to recycle them!
Clean out your closets and make sure clothes are hanging properly and are not clutter. Make the floor space clean and visible.
Bathrooms need to be cleaned properly. Nobody wants to see your personal hygiene products. Put them all away and out of sight!
Buying a Home in the Winter
Click here to read about: Buying a Home in the Winter
Although moving your life in the depth of winter does not sound to appeasing, it definitely has its advantages. There are less people looking for homes during winters, which means that there is less competition and therefore less bidding wars and multiple offers. However, there is also less inventory, which isn’t always a bad thing as in turn could end up saving you a lot of time.
Sellers who list their homes during the winter are quite frequently motivated sellers. They have a reason to sell – whether it is because they have somewhere else to go or they need to release their property investment. This could mean that you might get a better price on the home or that the sellers are more willing to negotiate the terms and conditions of the offer. It also gives the buyers more time to make the right decision. Working in the busy spring markets you don’t have time to think or you will lose your opportunity. Homes sell very quickly so you see the home and if you like it, you make an offer right away so that someone else doesn’t get it first. However, in the winter, you have a little bit more of a grace period to make sure you are making the right choice for you and your family. Sellers also know that the people who come through their homes on snowy, wintery days are serious buyers. Nobody is there just to pass time and look at some nice homes, but are there to look for their new home.
In addition, industry professionals typically have more availability. This works great for people, especially first time home buyers. Realtors will be able to really attend to details and make every client a top priority.
All in all, buying a home during winter is a good plan as the advantages outweigh the latter. If you want to start looking for you new home this winter, please do not hesitate to contact me.
Sellers who list their homes during the winter are quite frequently motivated sellers. They have a reason to sell – whether it is because they have somewhere else to go or they need to release their property investment. This could mean that you might get a better price on the home or that the sellers are more willing to negotiate the terms and conditions of the offer. It also gives the buyers more time to make the right decision. Working in the busy spring markets you don’t have time to think or you will lose your opportunity. Homes sell very quickly so you see the home and if you like it, you make an offer right away so that someone else doesn’t get it first. However, in the winter, you have a little bit more of a grace period to make sure you are making the right choice for you and your family. Sellers also know that the people who come through their homes on snowy, wintery days are serious buyers. Nobody is there just to pass time and look at some nice homes, but are there to look for their new home.
All in all, buying a home during winter is a good plan as the advantages outweigh the latter. If you want to start looking for you new home this winter, please do not hesitate to contact me.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Thursday, 24 October 2013
How to be a Good Neighbour with Pets
Click on the following link to learn about: 6 Tips To Be A Good Pet Neighbor.
This is so simple, yet so important:
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
This is so simple, yet so important:
- Clean up after your dogs!!! I know it sucks but if they are pooping then you need to be scooping. Its just common courtesy. Nobody wants dog poop on their door step or lawn. Also, pet urination can ruin the grass. Try your best not to have your pet pee on your neighbours grass.
- Don't be the neighbor with a million pets, that's just animal cruelty lol. Nobody wants to have a neighbour that has 12 hats and 8 big dogs. If you want a lot of animals, give them the space they need and deserve and move to the country.
- Nobody wants a neighbor that has a dog that never stops barking. This is one of the most annoying things...ever...and can be fixed with training. Train your puppies from a young age and spend time with them. Think of them like little kids - they need your time, love, affection, and commitment.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Furniture Tips for Small Spaces
Click on the following link to learn about: 9 Furniture Tips for Small Spaces
When living in a condo or small apartment, the majority of the time you must shop for specialized condo or urban living furniture. There are a lot of new boutique stores that now offer condo furniture - even the Brick and Leon's have departments for condo sized furniture. Make sure you measure everything before you purchase anything. Measure furniture prior to buying it and then go back to your condo to make sure it is going to fit properly and not take up all the space.
Stick to the basics! The idea is to not cram the place full of stuff. Use multi-functional furniture and keep the space open and clutter free. You will need a bed, a sofa, and area to eat. Most condos will even have a kitchen island, therefore a table isn't a necessity, but more of a luxury. This will give your home a contemporary touch. Here, less is definitely more. That's not to say you shouldn't decorate. I believe small spaces can be great, but it is important to keep things off the ground and don't have junk everywhere. Decorate using large mirrors, as they can help make a room actually look much larger. Also, lighting is essential in bringing out the best in any space - so make sure it is up to par! Wall art, paintings and patterned frames can help make the place look decorated and put together without adding clutter.
Good luck and have fun decorating, let me know if you have any questions!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
When living in a condo or small apartment, the majority of the time you must shop for specialized condo or urban living furniture. There are a lot of new boutique stores that now offer condo furniture - even the Brick and Leon's have departments for condo sized furniture. Make sure you measure everything before you purchase anything. Measure furniture prior to buying it and then go back to your condo to make sure it is going to fit properly and not take up all the space.
Stick to the basics! The idea is to not cram the place full of stuff. Use multi-functional furniture and keep the space open and clutter free. You will need a bed, a sofa, and area to eat. Most condos will even have a kitchen island, therefore a table isn't a necessity, but more of a luxury. This will give your home a contemporary touch. Here, less is definitely more. That's not to say you shouldn't decorate. I believe small spaces can be great, but it is important to keep things off the ground and don't have junk everywhere. Decorate using large mirrors, as they can help make a room actually look much larger. Also, lighting is essential in bringing out the best in any space - so make sure it is up to par! Wall art, paintings and patterned frames can help make the place look decorated and put together without adding clutter.
Good luck and have fun decorating, let me know if you have any questions!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Wednesday, 23 October 2013
Secrets of Professional Home Stagers
Click here to learn about: Secrets of Professional Home Stagers
Staging a home is an investment. If you are trying to sell your home, staging it can increase what you net at the end of the transaction. Most likely it will sell for a higher amount in a smaller amount of time.
Why Stage a house?
Curb Appeal:
The first thing to look at when staging your home is it's curb appeal. This is super important because it is a buyer's first impression of your home. Although landscaping may seem like work, it can get up to a 30% return on investment. When lawns are manicured and gardens are flourishing, the property screams HOME. Other things that help your house's curb appeal is making sure the front door is freshly painted, that there are no weeds, and that there are no bikes and toys in sight.
Freshen the Foyer:
The number one trick to staging your home is simply de-cluttering it. Make sure to have all the shoes and coats put away. Also, try to make it bright and inviting - perhaps have a table with a fresh bouquet of flowers and a nice mirror or painting.
One Quarter to One Half Rule:
I love this concept! Truth is that too many people have too much stuff. Most of this isn't stuff we need but rather it is stuff we never use. Clutter does not sell homes. Get rid of almost everything...including all of the extra knick knacks like your coin collections or the 100 candles you keep on your dresser. Contemporary sells, clean sells.
Clean till you drop:
Not everyone has a knack for cleaning, some people just simply don't know how to properly clean and others don't have the time for it. If this is the case, hire somebody. The house should have a deep cleaning prior to going on the market and then a light cleaning every week just to keep everything fresh and in place.
Rearrange Furniture and Use Rooms for their Intended Purposes:
A perfect example of why this is important. Yesterday, I was showing semi detached homes in Brampton. We went to several places. One of them we went to was the newest, the most up to date, and the best priced for value yet it was not set up to sell. The thing stopping my client was that she couldn't see where and how to put her sectional. I tried to explain that the seller had their sectional in what was suppose to be the dining area and had a play area in what was suppose to be the living room. However, my client couldn't visualize what I was saying and therefore decided not to purchase the home. Simple things like putting the couch where it needs to be could have sold the home. Use rooms for their functions! When selling your home, the purpose isn't to live in the home you are selling but to create a selling environment so that you can get into your next house and create your own space there.
Fix What is Broken:
When there are small things that are broken such as the light switch not working, it makes people question what else could be wrong and wonder about the maintenance of the house. So fix these things first! It costs only a little bit of money, but makes a huge difference!
Erase your Personality:
Get rid of family pictures, keep sakes, and everything else that makes your home "your home." Check out model homes. They are very impersonalized and are staged to sell. They sell hundreds of the same homes because when people go look at them, they can see themselves living there, not other people.
Last but not least, get opinions. Call your friends, family, and ask your realtor. They might be able to point out things that you missed. Also, take before and after pictures so that you can see the difference you made and be proud of your work!
Staging a home is an investment. If you are trying to sell your home, staging it can increase what you net at the end of the transaction. Most likely it will sell for a higher amount in a smaller amount of time.
Why Stage a house?
- 95% of Buyers are visual. They want to be able to see themselves living there. Move in condition sells homes!
- Most buyers see what is, not what could be. For example, small things like an ugly carpet, non-appealing wall paper, or weeds in the garden could make their decision about your home.
Curb Appeal:
The first thing to look at when staging your home is it's curb appeal. This is super important because it is a buyer's first impression of your home. Although landscaping may seem like work, it can get up to a 30% return on investment. When lawns are manicured and gardens are flourishing, the property screams HOME. Other things that help your house's curb appeal is making sure the front door is freshly painted, that there are no weeds, and that there are no bikes and toys in sight.
Freshen the Foyer:
The number one trick to staging your home is simply de-cluttering it. Make sure to have all the shoes and coats put away. Also, try to make it bright and inviting - perhaps have a table with a fresh bouquet of flowers and a nice mirror or painting.
One Quarter to One Half Rule:
I love this concept! Truth is that too many people have too much stuff. Most of this isn't stuff we need but rather it is stuff we never use. Clutter does not sell homes. Get rid of almost everything...including all of the extra knick knacks like your coin collections or the 100 candles you keep on your dresser. Contemporary sells, clean sells.
Clean till you drop:
Not everyone has a knack for cleaning, some people just simply don't know how to properly clean and others don't have the time for it. If this is the case, hire somebody. The house should have a deep cleaning prior to going on the market and then a light cleaning every week just to keep everything fresh and in place.
Rearrange Furniture and Use Rooms for their Intended Purposes:
A perfect example of why this is important. Yesterday, I was showing semi detached homes in Brampton. We went to several places. One of them we went to was the newest, the most up to date, and the best priced for value yet it was not set up to sell. The thing stopping my client was that she couldn't see where and how to put her sectional. I tried to explain that the seller had their sectional in what was suppose to be the dining area and had a play area in what was suppose to be the living room. However, my client couldn't visualize what I was saying and therefore decided not to purchase the home. Simple things like putting the couch where it needs to be could have sold the home. Use rooms for their functions! When selling your home, the purpose isn't to live in the home you are selling but to create a selling environment so that you can get into your next house and create your own space there.
Fix What is Broken:
When there are small things that are broken such as the light switch not working, it makes people question what else could be wrong and wonder about the maintenance of the house. So fix these things first! It costs only a little bit of money, but makes a huge difference!
Erase your Personality:
Get rid of family pictures, keep sakes, and everything else that makes your home "your home." Check out model homes. They are very impersonalized and are staged to sell. They sell hundreds of the same homes because when people go look at them, they can see themselves living there, not other people.
Last but not least, get opinions. Call your friends, family, and ask your realtor. They might be able to point out things that you missed. Also, take before and after pictures so that you can see the difference you made and be proud of your work!
Tuesday, 22 October 2013
Repairing Bad Credit: Three Essential Steps to Take
Click here to learn about Repairing Bad Credit: Three Essential Steps to Take
The first step to repairing bad credit, is to find out exactly how bad it is. Get a recent credit check. You can get a recent pull by going to the Equifax building (in Toronto it is at Young and Finch). You can get two free pulls per year. If you are not in Toronto, you can always go to Equifax.com and pay for a full up to date copy. Make sure to check it closely, as sometimes there are mistakes. If there is incorrect information on the report, make sure to get this fixed as soon as possible.
Now that you know where you are at, its time to start fixing it. Review all of your bills and debts. Can you afford all the payments on time? If not, try to negotiate partial payments with your lenders. As you continue to make regular payments, and you debts and bills are getting paid off, close all unused credit accounts. Keep just a couple to start re-establishing your credit.
When I say keep only a couple cards, I mean only a couple - Don't keep too many! You need two revolving accounts to establish credit, not more. The key is to always keep balances less than 30% of your credit limit and not to be late on payments.
Don't expect repairing your credit to be automatic. It takes time - probably six months to a year. Seek a professional who specializes in credit to guide you in the right path. They will be able to tell you what you need to do and how to fix your bad credit as soon as possible.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
The first step to repairing bad credit, is to find out exactly how bad it is. Get a recent credit check. You can get a recent pull by going to the Equifax building (in Toronto it is at Young and Finch). You can get two free pulls per year. If you are not in Toronto, you can always go to Equifax.com and pay for a full up to date copy. Make sure to check it closely, as sometimes there are mistakes. If there is incorrect information on the report, make sure to get this fixed as soon as possible.
Now that you know where you are at, its time to start fixing it. Review all of your bills and debts. Can you afford all the payments on time? If not, try to negotiate partial payments with your lenders. As you continue to make regular payments, and you debts and bills are getting paid off, close all unused credit accounts. Keep just a couple to start re-establishing your credit.
When I say keep only a couple cards, I mean only a couple - Don't keep too many! You need two revolving accounts to establish credit, not more. The key is to always keep balances less than 30% of your credit limit and not to be late on payments.
Don't expect repairing your credit to be automatic. It takes time - probably six months to a year. Seek a professional who specializes in credit to guide you in the right path. They will be able to tell you what you need to do and how to fix your bad credit as soon as possible.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Monday, 21 October 2013
Moving Your Pets
When you move, you can't leave without your furry babies. Changing environments can be extremely stressful for your loved ones (including your pets). Do your best to keep their normal routine, as you would for a child. Going into a new house or condo is unfamiliar, so get used to your dog or pet trying to mark out their territory again. Be consistent with walking and spend extra time with them until they feel comfortable again.
Hope this helps if you are planning on moving with your furry family!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
How to Sell Your Home and Buy Another at the Same Time
Click the following link to read about: How to Sell Your Home and Buy Another at the Same Time
This article does not sit well with me at all! This is why people hire professional realtors. Realtors are there to make the process of selling your home and purchasing a new home as seamless as possible. It should be completely stress free!
I think that the only way to sell your home and buy another one is to do it simultaneously. Nobody wants to move an extra time or live in limbo temporarily while waiting for your other home to close, especially if you have a family. We have way too many other things to be doing everyday than living out of boxes. The stress that would cause would be enormous and completely unnecessary.
Call me today if you want to sell and buy at the same time. I will be there to make your move smooth, seamless, and worry free.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
This article does not sit well with me at all! This is why people hire professional realtors. Realtors are there to make the process of selling your home and purchasing a new home as seamless as possible. It should be completely stress free!
I think that the only way to sell your home and buy another one is to do it simultaneously. Nobody wants to move an extra time or live in limbo temporarily while waiting for your other home to close, especially if you have a family. We have way too many other things to be doing everyday than living out of boxes. The stress that would cause would be enormous and completely unnecessary.
Call me today if you want to sell and buy at the same time. I will be there to make your move smooth, seamless, and worry free.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Rent to Own Homes
Click here to read the following article: Rent to Own Homes.
Astra's Comments:
Rent to own homes give people time to strengthen their credit or save more money for a down payment and also gives time to renters to decide whether or not they like the are and the home - however, if they decide not to continue with the rent to own purchase, they pay a price.
The example of Chris and Sarah Kane used in the article doesn't really apply here in Canada. In summary, they were saying that they pretty much lived expense free for a year because all the money was eventually used towards their down payment. However, they forgot to mention that they bought the property at a future inflated price. As described in the article is not how a rent to own situation works.
How Lease-Options Actually Work:
What they were talking about was the Californian market, which is completely different than the GTA Market. In Toronto, there is a company that specializes in "rent to own" situations. They work with a group of investors that actually purchase the property for the renter (soon to be home owner). Here is how it works step by step:
Here are some points on rent to own homes:
If you have any additional questions on rent to own homes or decide that this "purchase plan" would work best for you, please don't hesitate to contact me.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Astra's Comments:
Rent to own homes give people time to strengthen their credit or save more money for a down payment and also gives time to renters to decide whether or not they like the are and the home - however, if they decide not to continue with the rent to own purchase, they pay a price.
The example of Chris and Sarah Kane used in the article doesn't really apply here in Canada. In summary, they were saying that they pretty much lived expense free for a year because all the money was eventually used towards their down payment. However, they forgot to mention that they bought the property at a future inflated price. As described in the article is not how a rent to own situation works.
How Lease-Options Actually Work:
What they were talking about was the Californian market, which is completely different than the GTA Market. In Toronto, there is a company that specializes in "rent to own" situations. They work with a group of investors that actually purchase the property for the renter (soon to be home owner). Here is how it works step by step:
- Credit check on renter (soon to be home owner). This is to analyze their initial credit and financial situation to determine if a rent to own situation will work with the client and whether or not an investor would be interested in the deal.
- If everything is good to go, we start shopping for the rent to own client like we were purchasing the property. We find a home that suits what the renter wants and will be happy with.
- We purchase the home, but under the investors name with a side contract of rent to own. This is done through lawyers and is between the investor and the rent to own client.
- The renter pays the monthly expense plus an addition rent which is worked out in the contract to save towards the down payment towards the purchase of the house.
Here are some points on rent to own homes:
- The renter agrees to lease the house for a pre-determined amount of time, typically 1-5 years.
- The renter pays an upfront consideration fee, which is typically 5% of the purchase price. This money is held as a deposit and is non-refundable.
- The renter pays an elevated monthly rent (as explained above)
- The contract locks in a purchase price
- The renter may be able to purchase prior to the date on the contract
If you have any additional questions on rent to own homes or decide that this "purchase plan" would work best for you, please don't hesitate to contact me.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Friday, 18 October 2013
Why Use a Realtor®? 6 Important Reasons
Click on the following link to learn about: 6 Important Reasons to Use a Realtor®
Here are Astra's comments:
Realtors® work solely in the best interest of their clients, not their own. Following CREA, OREA, and RECO rules and standards we truly work for our clients. We negotiate for our clients to get the best prices and terms and conditions for the contract.
Real Estate is ever changing, both in its market and its rules and regulations. Therefore it is important to stay up to date! Realtors® are experienced and educated. Every two years we have to earn 24 credits to keep our licenses. We are specialists in this industry, this is what we do everyday. Don't risk what is probably your biggest investment by using someone who doesn't know what they are doing. It's not worth it!
As Realtors® we are trained to be able to listen to our client's needs to find them the perfect home that matches their desires, for the best price and in the quickest time possible. Even Realtors® use Realtors®! The owner of FSBO sold his home with a Realtor® and paid full commission. Trying to do it yourself is risky, and wont only waste your time, but also your money.
Please don't hesitate to contact me if you are ready to hire a Realtor ® now. I would be happy to represent you and help you in all your real estate needs.
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Wednesday, 16 October 2013
Should You Buy a House or a Condo?
Click on the following link to read: Should You Buy a House or a Condo?
Finding the location you want to be in is key. If you love the location you probably already know 75% of what you want. Some areas are mostly condos where others are mostly detached homes. Knowing the area you want is the first step to deciding and makes it much easier and time efficient for both you and your Realtor.
Detached homes are more expensive than most condos in the metropolitan city. So, location is key but other very important factors are your budget and what you have saved for a down payment, what your preapproved for and comfortable with as for estimated monthly expenses. Keep in mind that with a condo, you will be paying a maintenance fee.
Here are some other questions to ask yourself when trying to decide what is best for you. Do you want a yard? Do you have a pet? Do you like to do renovations? Remember, home ownership and condo ownership have very different responsibilities!
If you have any further questions, or have decided which one you would like to buy. Please let me know and I can show you active listings that fit you and your lifestyle!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Detached homes are more expensive than most condos in the metropolitan city. So, location is key but other very important factors are your budget and what you have saved for a down payment, what your preapproved for and comfortable with as for estimated monthly expenses. Keep in mind that with a condo, you will be paying a maintenance fee.
Here are some other questions to ask yourself when trying to decide what is best for you. Do you want a yard? Do you have a pet? Do you like to do renovations? Remember, home ownership and condo ownership have very different responsibilities!
If you have any further questions, or have decided which one you would like to buy. Please let me know and I can show you active listings that fit you and your lifestyle!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Making the Transition from Renting to Buying
Click on the following link to learn about:
Making the Transition from Renting to Buying
Owning a home is expensive, however it is also very rewarding. People always talk about the "expected" or known costs of owning a home but they don't always think past the initial purchasing costs. Have you considered what it will cost once the home is yours? Additional costs for things like lawn mowers, new appliances, and furniture adds up. When thinking of transitioning from renting to buying, make sure you have considered these "extras."
Although owning a home is a sound investment, realtors can never give you an exact amount of what your home will be worth in 5 years. Value relies on too many uncontrollable factors. We can give an estimate if the trends and property condition remains constant but that will only be our best guess and is vulnerable to change.
As for the mobility, contrary to many beliefs, owning a home doesn't tie you down. When you rent, you usually have to give 60 days notice. This means that you will probably be writing another cheque for another months rent. When you own a home and you want to move, once you make the decision, your house can be up on the market within that same day! And instead of writing a cheque, you will receive one. Work with an experienced realtor and list your house at the proper price point and it should be sold long before the 60 days you would have to wait for renting.
One of the reasons I love owning my own home and think that buying your own home is a great decision is that you can do what you want with it. When you rent a home, there is only so much you can do to make it your own and everything needs written permission from the landlord. Owning gives you all the freedom you need and it ends up feeling more like home.
Hope this helps if you are trying to make the transition from renting to buying. If you have any questions or need help starting the search for your first home, please don't hesitate to contact me!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Making the Transition from Renting to Buying
Owning a home is expensive, however it is also very rewarding. People always talk about the "expected" or known costs of owning a home but they don't always think past the initial purchasing costs. Have you considered what it will cost once the home is yours? Additional costs for things like lawn mowers, new appliances, and furniture adds up. When thinking of transitioning from renting to buying, make sure you have considered these "extras."
Although owning a home is a sound investment, realtors can never give you an exact amount of what your home will be worth in 5 years. Value relies on too many uncontrollable factors. We can give an estimate if the trends and property condition remains constant but that will only be our best guess and is vulnerable to change.
As for the mobility, contrary to many beliefs, owning a home doesn't tie you down. When you rent, you usually have to give 60 days notice. This means that you will probably be writing another cheque for another months rent. When you own a home and you want to move, once you make the decision, your house can be up on the market within that same day! And instead of writing a cheque, you will receive one. Work with an experienced realtor and list your house at the proper price point and it should be sold long before the 60 days you would have to wait for renting.
One of the reasons I love owning my own home and think that buying your own home is a great decision is that you can do what you want with it. When you rent a home, there is only so much you can do to make it your own and everything needs written permission from the landlord. Owning gives you all the freedom you need and it ends up feeling more like home.
Hope this helps if you are trying to make the transition from renting to buying. If you have any questions or need help starting the search for your first home, please don't hesitate to contact me!
Sincerely,
Astra Mulawka
Better Homes and Gardens
Real Estate - Signature Service
Office:905-896-4622
Tuesday, 15 October 2013
Home Buying for Young People: Plan Ahead
Click on the following link to read about: Home Buying for Young People: Plan Ahead
- Here is a huge misconception that many people believe: Paying your rent and utilities on time does not effect your credit. However, not paying them and waiting for them to go into collections will. Credit cards and revolving loans etc. will build credit and must be taken seriously. For new and young home owners, there are three important factors for being approved for a mortgage: good credit history, down payment (minimum 5%), and employment. All three are important. Consider this:
Bad Credit + Good Employment = Higher Down Payment
Good Credit + Employment = Minimum Down Payment
Decent Credit + Cash Job = Higher Down Payment (BIG)
Don't worry! Everything can get done as long as you have 2 out of the three factors - Saving is very important!
- You can read a book, but there is also a lot of informative workshops out there for first time home buyers that will break down and explain what 10 books would tell you in less than an hour. Don't forget to take notes!
- This is super important. Try visiting open houses in certain areas to get a feel of what you're looking for. Do you want a condo or a house? First time home buyers tend to be indecisive about what they want, which can make the process much longer.
- Although family and friends in the real estate business will be able to answer some of your questions, I recommend that you seek a professional realtor as its best not to mix friends and family and business. Start building a relationship with a Realtor who works where you want to live. They will be an expert on the area and can guide you through everything and answer all of your questions. If you want to buy soon, it is also smart to get preapproval from a bank or broker. If denied, get professional advice on how to be approved when you are ready.
5 Creative Ways to Come Up With a Down Payment
Click on the following link to learn of: 5 Creative Ways to Come Up With a Down Payment.
- Make sure that any gift money that you may use comes from an immediate family member - Do not use gift money from a friend!! It is bound to get too complicated.
- Taking money from your retirement equity is an amazing way to purchase another home. When taking a home equity loan or a refinance, you must leave 15% equity in the home, therefore 85/15 loan to value.
- This is obvious and effective! You can sell anything and use the funds towards your down payment.
- If you have just come into a lot of money and are not quite sure what to do with it, investing it in real estate is a very smart decision.
- This is super creative! Don't know if it is the best idea to borrow money for a purchase of a home, but if it is your only option go ahead. Owning is better than renting. Make sure you calculate all the monthly expenses and make sure you will be able to afford the mortgage, taxes, utility expenses, and loan payments!
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