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Pre-Approval or Pre-Qualification? What You Need to Know
Pre-approval is a more detailed process. Buyers must provide proof of their financial details, such as:
Bank statements
Pay stubs
Savings and investment records
The lender reviews these documents to determine whether the buyer can actually afford a mortgage. Sometimes, the pre-approval process reveals that the buyer’s initial answers during pre-qualification were incorrect, filtering out buyers who wouldn’t qualify for a loan.
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A Guide to Lenders Mortgage Insurance in Canada
Lenders Mortgage Insurance (LMI) is an important factor for first-time home buyers and families purchasing a home with less than a 20% down payment. This insurance protects the lender if the borrower defaults, with costs ranging from 0.6% to 4.5% of the mortgage amount. For many families, LMI can make homeownership more accessible by allowing a lower upfront investment. Understanding how LMI works, when it’s required, and how to minimize costs can help first-time buyers make informed financial decisions and secure the right home for their needs.
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Buying & Selling Your Home. What Should Come First?
Deciding whether to sell your home before buying a new one or vice versa is a major financial and logistical decision. Selling first provides financial clarity and eliminates the risk of carrying two mortgages, but it can leave you scrambling for temporary housing. On the other hand, buying first allows for a smoother transition with only one move, but it comes with the challenge of managing two mortgages if your current home doesn’t sell quickly.
Navigating both transactions at the same time requires careful planning. Limited buying power, coordinating showings, and the possibility of a delayed sale can add complexity. By working with an experienced real estate agent and considering options like bridge loans or lease-back agreements, homeowners can create a smoother transition. Ultimately, the best approach depends on personal finances, market conditions, and long-term goals.
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Alberta vs. Ontario: Key Things to Consider BEFORE You Move
Thinking about moving to Alberta or Ontario? This in-depth comparison covers everything you need to know, from cost of living and taxes to job opportunities and real estate. Discover which province offers lower housing costs, better wages, and a stronger economy. Whether you're looking for affordability or career growth, this guide will help you decide where to call home. #Alberta #Ontario
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Deciding Between Two Homes: 8 Important Factors to Consider
When you're torn between two great houses, it's important to weigh different factors that will impact your daily life for years to come. From location and cost to lifestyle fit and future resale value, making the right choice requires careful consideration.
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Paperwork You’ll Need When Selling Your Home
Selling your home? Make the process smooth by having the right documents ready! From your land title certificate to rental agreements, renovation contracts, and home warranties, these documents protect both buyers and sellers. Learn what paperwork you need and what to do if something is missing. Stay organized and sell with confidence—get expert real estate advice today! #AlbertaRealEstate
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Things You Must Disclose to Buyers When Selling Your Home
When selling a home, it’s crucial to be transparent with potential buyers about the property's condition. Sellers need to disclose any known issues or past problems that could affect the home’s value or safety. This includes things like previous repairs, structural issues, or any hazards. Being upfront about these details helps avoid legal complications and builds trust with buyers.
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The Risks of Overpricing or Underpricing Your Home
Every home seller hopes for a fast sale, while buyers are always looking for a good deal. Setting your price too low can make buyers question its value, while a price that's too high may scare them off. Striking the right balance requires careful research, realistic expectations, and a clear understanding of current market trends.
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Steps to Selling Your Home
Selling your home in Alberta involves a few key steps. First, prepare your home by decluttering, staging, and making necessary repairs. Next, choose a real estate agent and list your property on MLS® to maximize exposure. Once you receive offers, review and negotiate terms before accepting. After fulfilling any conditions, the sale is closed, and you move out. Working with an experienced realtor ensures a smooth, efficient process from start to finish.
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Tips For Decluttering and Organizing Your Garage
Decluttering that garage can be overwhelming. Here are some tips to make the job a little less stressful. Get your space back now!
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Should I Paint My House Before Selling-Pro’s/ Con’s
Should you paint before selling? There are many pros/cons. Make sure you read this before deciding.
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What do Home Buyers Really Want?- Top 10 Homebuyer Wants
Today’s homebuyers are focused on more than just the appearance of a property. They prioritize functionality, sustainability, and convenience in their decision-making. Features like dedicated laundry rooms and energy-efficient appliances have become essential for many buyers. Understanding these key preferences can help sellers meet the demands of today’s market.
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Top Home Improvements to Boost Your Home’s Value
Sellers only have one opportunity to make a great first impression, and that initial impact matters. Buyers assess every part of a home to ensure they’re getting good value for their money. If you're curious about which home improvements offer the most value, keep reading. These upgrades will help you present a home that meets buyers' needs without the danger of overdoing renovations.