Adriana Romeo RBC Mortgage Specialist
Caledon Caledon, ON, Canada

RBC #RealtorAppreciationWeek is back and it’s all about you! We are taking this opportunity to give a heartfelt thank you for your ongoing partnership and support. We look forward to continuing to work together to help our clients find a house they will call home.

Celebrate International Women’s Day on Monday, March 8th with the Waterloo Chapter of Women in Communications and Technology as they present #ChooseToChallenge a celebration of the incredible women who are making a difference in the community.

Nous voulons plus que jamais exprimer notre soutien aux formidables entrepreneures de nos communautés qui font preuve de résilience et d’innovation et qui nous ont montré le sens véritable de la ténacité. Présentez une candidature dès aujourd’hui et affichez votre #soutien : https://bit.ly/2TaKXUN #CDNWomenOwned

Happy Family Day I thought this Article was fitting , let me know your thoughts .. Full article in Bio, written by Diane Amati Teaching kids about money is among the most important yet confounding challenges to take on. Where do you start? Is allowance a good idea? How do you explain the value of money to children? As many parents aren't sure how to tackle these questions, financial education is often left until 'later'.... Developing money smarts at a young age can lead to a lifetime of financial independence and confidence. Without these key skills, kids could grow into adults who struggle with financial self-control, debt, or the capacity to save for important goals. Teaching kids about money doesn’t have to be a daunting task. At least that’s the thinking behind Mydoh The Smart Money App for Kids. Recognizing that many parents are unsure about how to approach effective financial education, the creators of Mydoh built an app that steps in to offer financial guidance, practice and know-how, while allowing parents to be as involved or as hands off as they wish. Mydoh provides a safe and secure environment for kids as young as eight years old to start getting hands-on money experience. Parents can create tasks such as cleaning their room, doing the laundry, pulling the weeds or set up a weekly allowance for their kids. Money is automatically transferred from your parent account to the child account on Pay Day, provided that your kids complete their tasks on time. They can then spend their earnings online, or in-store using contactless (tap) payments anywhere VISA is accepted, with their Mydoh Smart Card. With this kind of hands-on money experience, kids get to practice making their own earning and spending decisions. In time, they have the opportunity to improve their money skills, stick to a budget, and build confidence as they see the results of smart money management. Swipe to see my loves, who I am spending time with today (enzo too)

~Multiple offers~ In a seller’s market, with fewer homes available to purchase and more buyers looking, you’re more likely to get several offers on your home. Here are some things you can do to help increase your likelihood for getting multiple offers: Keep your home clean, clutter-free, presentable and ready to show (hire a professional stager if you can see above) Consider pricing your home slightly below its fair market value... Work with your real estate agent to to ensure that your home has sufficient market exposure (i.e. list on REALTOR.ca), create print materials, such as flyers or postcards with key selling points and a professional quality photo of your home, post on social media, consider newspaper/magazine ads, list on other real estate listing web sites and your agency’s company web site) Be ready to show your house on demand (with no appointment necessary) Tips on buying a home in different housing markets With more homes for sale than buyers and potentially lower prices, a buyer’s market could be a great time to buy a new home. Before doing so, however, consider the possibility that home prices could continue to fall, meaning your new purchase might be worth less than you paid for it in no time. Of course, what goes down may eventually come back up. Still, if you wait for prices to drop even further, you might miss out on a great opportunity. If you’re looking to buy in a difficult seller’s market, there are things you can do to improve your likelihood for success. Get pre-approved for a mortgage first, so you know how much home you can afford Put forward a strong offer with a significant deposit amount Move quickly on a home if you like it. Make your offer as attractive and uncomplicated as possible (i.e. eliminate as many contingencies as possible, such as a contingency on sale of your existing property, shorten the closing date or come up with a larger down payment) Be agreeable and responsive Be flexible with your move-in date. Contact your estate agent for more tips to help you sell your current home or buy a new one in any type of housing market.

You’re Preapproved for a Mortgage Three Things to do Next - homebuying advice from Discover and Learn

Seller's Market vs. Buyer's Market ~ some great info from RBC ! My biggest advice , get pre-approved , know your mortgage payment , have a budget ~ let me help you make your next move ! The housing market, like most markets, is cyclical. These cycles can be greatly influenced by a number of factors, including interest rates, economic conditions and consumer confidence, which can create a shortage or surplus in housing. A seller’s market happens when there’s a shortage in hou...sing or more potential buyers than homes. A buyer’s market, on the other hand, occurs when there is a surplus in housing or more homes for sale than buyers. A balanced market happens when there is the same number of homes for sale as there are buyers. Seller’s market at-a-glance More buyers than homes for sale Prices tend to be higher because of increased demand Homes sell quickly More likely to be multiple offers on a home, which gives sellers negotiating power (and conditional offers may be rejected) Buyer’s market at-a-glance More homes on the market than buyers Prices tend to be lower because of increased supply Homes are more likely to sit unsold Housing surplus can slow rising prices and even lead to price reductions Buyers have more choices and more leverage to negotiate Full Link in Bio !

Homebuyer New Year’s Resolution Know what mortgage is right for you try our self assessment

Happy Saturday Being pre-approved has been a key component when deciding on purchasing a property. Knowing what your mortgage payment is and properly budgeting is where I come in to help. I receive a lot of enquires about this topic !. The housing market, like most markets, is cyclical. These cycles can be greatly influenced by a number of factors, including interest rates, economic conditions and consumer confidence, which can create a shortage or surplus in housing. A s...eller’s market happens when there’s a shortage in housing or more potential buyers than homes. A buyer’s market, on the other hand, occurs when there is a surplus in housing or more homes for sale than buyers. A balanced market happens when there is the same number of homes for sale as there are buyers. Seller’s market at-a-glance More buyers than homes for sale Prices tend to be higher because of increased demand Homes sell quickly More likely to be multiple offers on a home, which gives sellers negotiating power (and conditional offers may be rejected) Buyer’s market at-a-glance More homes on the market than buyers Prices tend to be lower because of increased supply Homes are more likely to sit unsold Housing surplus can slow rising prices and even lead to price reductions Buyers have more choices and more leverage to negotiate. Multiple offers In a seller’s market, with fewer homes available to purchase and more buyers looking, you’re more likely to get several offers on your home. Here are some things you can do to help increase your likelihood for getting multiple offers: Keep your home clean, clutter-free, presentable and ready to show (hire a professional stager if you can see above) Consider pricing your home slightly below its fair market value Work with your real estate agent to to ensure that your home has sufficient market exposure (i.e. list on REALTOR.ca), create print materials, such as flyers or postcards with key selling points and a professional quality photo of your home, post on social media, consider newspaper/magazine ads, list on other real estate listing web sites and your agency’s company web site) Be ready to show your house on demand. Full article in BIO

9 Projects to Kick-Start Organizing for the New Year - great ideas to start 2021 from Houzz!

RBC Economics sees little that will stop activity or prices in the Canadian housing market from reaching new heights in 2021. Learn more in the new RBC Economics report.

Staying Home this Winter? What to Do with Your U.S. Property - advice from RBC Discover and Learn.