5 Mistakes First Time Home Buyers Make

By: Rebecca Warkentin

5 Mistakes First Time Home Buyers Make

Tags: home buyer, first time home buyer, home loan, mortgage, home buyer mistakes, mortgage facts, mortgage tips, credit score, preapproval, government programs

Buying a home can be an exciting and terrifying experience! It might just be your biggest purchase of your life. This means it is so important to understand the process and avoid mistakes that First Time Home Buyers commonly make. Take the stress out of the transaction and enjoy the feeling of excitement and pride for becoming a homeowner!  1. Shopping Outside Your Budget One of the ...Read More

How to Verify Your Down Payment When Buying a Home

By: Kelly Hudson

How to Verify Your Down Payment When Buying a Home

Tags: Down Payment, Homes in Hamilton, House Prices, Saving, Finance, Financial, Finances, Credit Score, Credit Card, Debt

Written by: Kelly Hudson Date: December 11, 2019 Saving for a down payment is one of the biggest challenges facing people wanting to buy their first home. To fulfill the conditions of your mortgage approval, it's all about what you can prove (hard to believe - but some people have lied in the past - horrors!).  Documentation of down payment is required by all lenders to protect again...Read More

Becoming a Hamiltonian

By: Rebecca Warkentin

Becoming a Hamiltonian

Tags: Hamilton, Relocation, Relocating, Relocating to Hamilton, Relocating to Canada, Hamiltonian, New Resident

One in four people in Hamilton was born outside of Canada. It is a hub of diverse culture! People choose Hamilton because of its affordability but ease for a commuter. The city offers a blend of natural wonder, spectular cuisine, entertainment, and a big city with a hometown feel. Relocating can be a stressful and uneasy experience. If you are relocating to Hamilton, we wanted to help make...Read More

Merry Debtmas

By: Rebecca Warkentin

Merry Debtmas

Tags: Christmas, Debt, Holiday, Holiday Debt, Christmas Debt, Financial, Finances, Holiday Finances, Christmas Finances

Wishing you and your family a happy, healthy, and debt-free holiday season! For those that may have splurged over the holiday season and used that handy-dandy credit card to pay for some of the holiday meals and presents, it can be quite stressful after the holidays are over when you get that credit card bill. Here are some tips to help you recover from the Debtmas:   Assess your o...Read More

Easy Ways to Save for a Down Payment

By: Rebecca Warkentin

Easy Ways to Save for a Down Payment

Tags: Down Payment, Homes in Hamilton, House Prices, Saving, Finance, Financial, Finances, Credit Score, Credit Card, Debt

Welcome to 2020 everyone! A new year means new goals and that just may mean purchasing your dream home. If that's the case, it can be hard to save for a down payment (especially since it was just Christmas and you might have racked up some debt from those dinners and presents). But check out these easy ways to save for that down payment and achieve one of your goals in this new dec...Read More

Understanding Property Tax

By: Rebecca Warkentin

Understanding Property Tax

Tags: Property Tax, Homes in Hamilton, House Prices, Property Tax Prices, Calculating Property Tax, Calculating Property Tax Hamilton

When you are looking for a house there will typically be the property tax that the current owner pays included in the listing. However, when purchasing a new build, for example, property taxes may not even be set for that site yet. Here is a little background on property taxes and how they are calculated: Tax rates determine how much property tax you pay. This will be based on the assessed valu...Read More

Cozy Up to Your

By: Rebecca Warkentin

Cozy Up to Your "New" Fireplace

Tags: Fireplace, Budget, Facelift, Hearth

Are you looking to give your fireplace a facelift but are on a strict budget? Transform your hearth to the heart of your decor with these budget-friendly upgrades!  1. Add a striking mantle. 2. Add a new fireplace screen. 3. Paint the fireplace surround a complementary shade and make it a subtle focal point.   4. Add some reclaimed wood for a rustic look. 5. Update the...Read More

New Year, New Paint Trends

By: Rebecca Warkentin

New Year, New Paint Trends

Tags: Decorating, Home Decor, Home Decorating, Colour Trends, Paint Colour, Paint Colour Trends

What colour trends will dominate in the coming year? Many people want to know the next big "in" trend, especially when it comes to their home. 2020 is fast approaching and it has cooked up some interesting colour choices for the new year. Let's dive on in! Benjamin Moore - First Light Benjamin Moore boasts a lighter hue, First Light 2101-70. Described as "a fresh pallette....Read More

You Have Your Down Payment... What About the Closing Costs?

By: Rebecca Warkentin

You Have Your Down Payment... What About the Closing Costs?

Tags: home buyer, first time home buyer, home loan, mortgage, home buyer mistakes, mortgage facts, mortgage tips, credit score, preapproval, government programs,

Before a transaction can close, it is important to be prepared and understand there are additional costs that you will need to have upon closing! It is great that you have saved money for a down payment, but you need to be able to cover the closing costs (and make sure you have it in the bank before closing)!  Why is this important?  Failure to procure these closing costs has caused ...Read More

Transferring of Utilities

By: Rebecca Warkentin

Transferring of Utilities

Tags: utilities, home purchase, home buyer, first time home buyer, moving, moving checklist

I know, I know. You have gone through the process of looking at numerous homes, signing papers, speaking with a lender, sending more documentation, signing more papers, and now you have to pack all your possessions - it can seem like a lot! There is another key piece of the moving puzzle but in the end it will all be worth it - the transferring of utilities.  Here is a great overview: ...Read More

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