Sukhi Mann

You’ve heard it before, but I’ll say it again: there is no time like the present to refinance your home! Put the wheels in motion and start saving money on your monthly mortgage payments! As a responsible homeowner who makes timely mortgage payments, you deserve to get the most out of your moneyand I can help. Refinancing offers a number of benefits that can make your life easier and more enjoyable!... It can: - Put extra cash in your pocket now by generating a lower monthly payment - Save you thousands of dollars over the life of the loan, due to a likely decrease in your interest rate - Often allow for a shorter term, if that’s what you desirewhich means that you’ll be paying less toward interest, and more toward principal (and sometimes, you can still receive a lower monthly payment) It’s time to seize the day, and to start putting your hard-earned money to good use by refinancing your home. Give me a call today so that we can discuss your refinancing options!

It is all part of the journey....

While everyone is doing everything they can to stay safe and stay home during this time, new hobby thats becoming increasingly popular is growing a home garden. It is the perfect way to have fresh herbs and vegetables available at all times. It's fun, it's rewarding and the whole family can be a part of it. But before you start, it's best to gather some information on how to create your garden. Here's an article to help you get started: https://www.almanac.com/vegetable-gardening-for-beginners

Now that you’ve made the decision to purchase your first home, a hearty congratulations is in order! Becoming a homeowner, especially for the first time, can stir up some feelings of anxiety and excitement. With the knowledge that you gain through individual research and the help of your REALTOR, you will soon begin to feel like a seasoned house hunter. Here are 7 tips for first-time home buyers: Tip # 1: Do Your Homework Did you know that there are a number of incentives av...Continue reading

Looking to buy your first home, but having trouble coming up with the down payment? Typically you need to have between 5-50% of the purchase price of your home, so here are a few tips to help you save your down payment faster! Save Your Tax RefundDoing this alone for a few years may add up to a considerable amount to contribute to a down payment, especially if both you and your spouse commit to contributing the full amount. Set Up A Savings PlanThis is a great way to make a... regular contribution to your down payment fund, and with accounts that allow you to round up all your purchases and automatically deposit them into your savings account, this can be an easy way to save money quickly. Sell Unwanted ItemsThis can add a considerable sum to your down payment fund, and is also a great way to get rid of unwanted items before your move. Check Out Government ProgramsThere are a number of government programs available, depending on your area, that can assist you in saving for a home, especially if you are a first time buyer. Dip Into Your Retirement FundBe sure that you consult a financial advisor before choosing this option. Some government programs offer this option with no penalty, and it is certainly worth looking into.

One of the most important factors to consider when buying a new home is affordability. As a general rule, mortgage payments should not exceed 25-30 percent of your monthly take-home pay. The best way to know what you can afford is to determine the possible payment range by comparing the price of the home with other essential ingredients. HOW MUCH DO YOU WANT TO BORROW: Your first step to calculating your monthly mortgage payment is knowing how much you want to borrow. This ca...n be determined by subtracting your down payment amount from the purchase price of the home, which will give you the amount that you will need to request from a lender. KNOW YOUR RATES: The next step is to determine the current interest rates for the purchase of a home. Rates vary and may change often, so check with your lender for current rates. Its worth noting that the interest rates you receive will, in part, be based on your credit history. This means that knowing your FICO score and credit rating will give you a good idea as to how your interest rates will be calculated. CHOOSE YOUR LOAN TERM: Your monthly mortgage payments will be determined by a number of factors, including the term of your loan. If you were to borrow $250,000, your monthly payments would be less with a 30-year mortgage than with a 15-year mortgage. The reason is because it would take larger monthly payments to get the loan paid off quicker, which is why you will need to select a loan term before calculating your payments. ADDITIONAL COSTS TO CONSIDER: Your total mortgage payment will include taxes, homeowners insurance and possibly even private mortgage insurance (PMI) if you provide less than 20 percent down and your loan requires it. JUST THE FACTS & FIGURES: Now that you know how much you need to borrow, have chosen your loan term and are familiar with the current interest rates, its time to calculate your payment. Most lenders offer a mortgage calculator on their Web site or you can get an estimate by speaking with your lender. If you still need help in calculating your potential monthly mortgage payments, dont hesitate to ask your REALTOR, mortgage broker or lender.

Changes that take effect on April 6 aimed at adjusting the benchmark rate

You’ve probably heard a lot of talk lately about interest ratesbut have you considered how important a good interest rate can actually be? A small difference in percentage can mean a costor savingsof thousands of dollars. That’s serious business! When you’re financing a new home, getting the right interest rate is an absolute priority. You want your loan to be as reasonable and affordable as possibleand that’s where I come into the picture. Give me a call today for more information about the types of financing options that I can provide for you!

Now that youve made the decision to purchase your first home, a hearty congratulations is in order! Becoming a homeowner, especially for the first time, can stir up some feelings of anxiety and excitement. With the knowledge that you gain through individual research and the help of your REALTOR, you will soon begin to feel like a seasoned house hunter. Here are 7 tips for first-time home buyers: Tip # 1: Do Your Homework Did you know that there are a number of incentives av...Continue reading

Youve probably heard a lot of talk lately about interest ratesbut have you considered how important a good interest rate can actually be? A small difference in percentage can mean a costor savingsof thousands of dollars. Thats serious business! When youre financing a new home, getting the right interest rate is an absolute priority. You want your loan to be as reasonable and affordable as possibleand thats where I come into the picture. Give me a call today for more information about the types of financing options that I can provide for you!

The decision to purchase a home is exciting and a major investment for your future. One of the most profitable markets in real estate is rentals, which means that many families are paying to live in a home that isnt their own. In some cases, renting a home is necessary. For all others, the money that would be spent on rent could instead be used to pay a mortgage. In fact, monthly rent payments often exceed that of a typical mortgage payment. One of the greatest benefits of home ownership is putting money into something that you can call your own and knowing that the monthly payments are going toward your homes equity. In addition to providing yourself and your family with a feeling of stability and permanence, home ownership can also help strengthen your credit profile through timely mortgage payments and a steady financial history.

Perfect for first time home buyers! Let’s set up a meeting and get you a property like this! . REPOST! .... Listed by @randy_mann_homes . NEW LISTING!!! - $675,000. 3-7867 120 Street - North Delta (Scottsdale) OPEN HOUSE THIS SAT, JAN 25 - 2-4PM & SUN, JAN 26 - 1-4PM. Welcome to Delta's Point! Check out this beautiful, spacious townhome in the heart of Scottsdale of North Delta! This 3 storey unit comes fully equipped with dazzling features such as; 4 bed, 4 bath, double car garage, open layout, gorgeous kitchen w/ S/S appliances, and much more! You will be just moments away from Superstore, Cactus Club, The Keg, all levels of schools, transit, and hwy access. Call today!! GET RANDY GET SOLD RE/MAX PERFORMANCE REALTY Go to this link to view more details and pics: https://www.randymannhomes.com

Perfect for first time home buyers! Lets set up a meeting and get you a property like this! . REPOST! .... Listed by @randy_mann_homes . NEW LISTING!!! - $675,000. 3-7867 120 Street - North Delta (Scottsdale) OPEN HOUSE THIS SAT, JAN 25 - 2-4PM & SUN, JAN 26 - 1-4PM. Welcome to Delta's Point! Check out this beautiful, spacious townhome in the heart of Scottsdale of North Delta! This 3 storey unit comes fully equipped with dazzling features such as; 4 bed, 4 bath, double car garage, open layout, gorgeous kitchen w/ S/S appliances, and much more! You will be just moments away from Superstore, Cactus Club, The Keg, all levels of schools, transit, and hwy access. Call today!! GET RANDY GET SOLD RE/MAX PERFORMANCE REALTY Go to this link to view more details and pics: https://www.randymannhomes.com

Ready to purchase a property? Here is a list of documents that you will require for employment verification: Copy of latest pay slip Letter of employment T4(s) for recent 2 years T1 General(s) for recent 2 years... Notice(s) of Assessment (NOA) for the recent 2 years Other income Child Tax Benefits, Spousal/child support, Disability pension, Rental income, etc. See more

Refinancing a mortgage means to pay off an existing mortgage by replacing it with a new one. Reasons for refinancing vary amongst clients. Here are a few reasons why you may refinance your existing mortgage : - Shorten the term of their mortgage - To tap into home equity to finance a large purchase - And most importantly, to obtain a lower interest rate and, thus, reduce their monthly payment. Are you looking to refinance your mortgage? Lets sit down and discuss what options are available to you!!!

Why should you use a mortgage broker? Did you know that mortgage brokers have access to multiple different lenders and rates? A mortgage broker works for you! We shop around to find the best interest rate and mortgage product that fits your specific needs and financial situation. Best of all, you dont need to worry about talking us during business hours because were always working! #mortgagebrokers #vancouvermortgagebroker #mortgagetips

If you've been saving for a down payment and are now ready to purchase a home, pre-approval should be your first step! With a pre-approval, you will know the maximum amount of mortgage you qualify for, the interest rate the lender is offering, as well as, an estimated monthly mortgage payments. Getting pre-approved for a mortgage will help you narrow down your options when purchasing a home so you can focus on the homes in your price range. If youre ready to buy a home and would like to get pre-approved with the best mortgage product to suit your needs, give me a call!

Posted @withrepost @soniagillrealtor Must see! Amazing views OPEN HOUSE Sun 2-4 36488 Florence Drive Abbotsford ... Must be seen to be Truly Appreciated. Steel Beam Construction. Glorious Expansive Views of Mt. Baker & Sumas Flats from 3 Levels of Massive Patios! Unique floor plan allows for the Space & Privacy desired by the large or multi-generational family. Level entry Main Floor Master Bedroom Boasts Fireplace & Designer Master Bath. Large Open Great Room, features large windows allowing for those Breathtaking views of the Valley. Beautiful Kitchen with S.S. Appliances & Huge Inviting Island, attached Spice Kitchen. Main level is rounded out with Bright Office & Laundry Room. Downstairs you'll find 3 more large bedrooms & Massive Family/Media room w/ Built in Bar w/ Patio. Lowest Level has a self contained Legal Suite & Massive Deck. Close to commuter routes, schools & shopping. #kwelite #drummondmarketinggroup See more

Monday motivation!!

Heres a few tips to make the mortgage process smoother for homebuyers: 1. USE A BROKER Work with someone who will not only help you secure the best rate but, also, get the right mortgage product!... 2. BUDGET Put aside money for all the costs of purchasing a home (ie. property transfer tax, legal fees, appraisal fees, mortgage insurance and, of course, the down payment) 3. UNDERSTAND THE IMPORTANCE OF THE DOWN-PAYMENT Know how big of a down payment you can make. 4. DONT JUST FOCUS ON THE RATE As well as the rate, consider other factors such as the terms, penalty to break, amortization, etc.

Join me and @soniagillrealtor this Sunday! OPEN HOUSE Sat&Sun 2-4 178-16488 64 Ave Cloverdale, B.C. Sonia Gill - (778) 317-6590 ... Keller Williams Elite Realty Find your perfect home! Welcome to Harvest at Bose Farms! This modern bright and spacious 3 bed 3 bath corner unit is in immaculate condition only 1 year old, with the original owner. The unit offers all the upgrades! Hardwood flooring all over, floor to ceiling windows, 9 ceilings with crown mouldings, large waterfall style kitchen island, S/S appliances with a gas range and a powder room on the main floor. The unit comes with a double car garage and a flex room! This beautiful townhome is close to all amenities.

Canadas First-Time Home Buyer Incentive (FTHBI) came into effect yesterday, September 2nd! The program makes it easier for young people to buy homes. For more information: https://www.placetocallhome.ca//first-time-homebuyer-incen

Thank you to my friends and family for the support!!

Welcome to my page! Don't forget to like or follow so you can stay up-to-date with the recent Canadian mortgage trends!Welcome to my page! Don't forget to like or follow so you can stay up-to-date with the recent Canadian mortgage trends!