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Real Estate Blog

 

Adulting lesson: Home Buying for Millennials 101

The first question that popped into my head when I started writing this blog was “How did adults start adulting without YouTube and awesome blogs like, “Home Buying for Millennials”, to learn from?” I still have no idea. From one struggling millennial to another, I hope this article teaches you the basics involved in buying your first home, and the steps you need to take to prepare yourself for the adulting avalanche that is home ownership.

These tips and tricks on home buying for millennials may seem overwhelming at first, but it will end up being one of the most important lessons on adulting you will ever learn!

Like the average millennial, you’ve probably lived at home with your parents,

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The County of Simcoe restructured townships in 1994. It merged two townships forming the current Township of Oro-Medonte. Oro lies north-east of Barrie, south-west of Orillia, Lake Simcoe to the east and north-west to Vasey Rd. Oro-Medonte encompasses numerous country and lake landscapes providing a diverse variety of homes.

Oro, is an outdoor enthusiast dream. It features ski hills, golf courses, bike and walking trails, country acreage, lake front properties and best of all has easy access to numerous events because of the highways which intersect the township.

     

Communities of Oro-Medonte

Highway 11 divides the township and leads to numerous communities. Along Lake Simcoe there is Shanty Bay, Oro Station, Hawkestone, Eight Mile

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If you are asking yourself, “Should I sell in today’s real estate market?” then you are not alone. After last year’s wild ride most people are nervous about the real estate market today. The other questions you need to ask are:

 Why am I thinking of moving?

Where do I plan on moving to?

When would be the best time?

What will it cost to move?

The Answer

The answers depend on your personal circumstances:

Do you need to downsize to take money out of your house?

Many people do and the house they are currently living in as way too big and expensive to run for their current needs. As real estate professionals, we can advise you on smaller homes or condos which will suit you better. We can figure out all the costs of the move and what

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Lake Simcoe Waterfront

 Lake Simcoe waterfront properties are very popular because of the beautiful shorelines and easy access from Toronto it is only 1 hour north of the GTA.

Lake Simcoe waterfront properties attract different buyers. Being located close to Toronto allows commuters to enjoy waterfront living while staying within an easy commute to the city. Other families love it for the many beaches and parks along its shores. With over 240 km of shoreline there is always an ample number of Lake Simcoe homes for sale at any given time.

Lake Simcoe Communities

Numerous communities are situated next to the lake. Innisfil, Barrie, Orillia, Beaverton, Pefferlaw, Keswick are the larger ones. Gilford, Big Bay Point, Shanty Bay, Hawkestone, Oro

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ur Real Estate Website

Our real estate website makes it easy to browse all Barrie real estate in one place. It draws listings from a central source so you will view all MLS listings whether Barrie or surrounding area condos, homes, investment houses or commercial listings. 

We have set up our site to enhance your search for your next home for sale in Barrie or wherever you wish to live. You are able to select specific areas in Barrie or townships like Springwater or Oro-Medonte, types of homes or features within the house. You can also save your search. It will update as soon as the new MLS listings become available on line. You will receive them as soon as the real estate agents do, this will help you to get a jump on being one of the first

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Stopping a power of sale once the process has started can be costly but it can be done. Everyone signs up for a mortgage with the best of intentions, but sometimes life takes an unexpected turn. If you are have fallen behind in your mortgage payments, then your lender can use the Power of Sale process to recoup their investment. By being proactive, you can minimize the losses caused by a Power of Sale.

About Power of Sale 

A mortgage lender has the right to use the Power of Sale process to sell the borrowers property when they, the borrowers,  are in default of the mortgage terms. Typically being in default of the mortgage terms means failure to make mortgage payments, but can include failure to insure the property, intentionally damaging the

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A home equity loan is a type of loan where the equity in the borrower's home is used as collateral. In Barrie and Innisfil, most home equity loans are created in the form of a mortgage. Most lenders require that there is a sizable amount of equity in a person's home in order to approve a loan. In terms of real estate, equity is equal to the value of the property minus the value of all mortgages on the property. Typically banks place heavy emphasis on factors other than equity such as credit score and income. Private mortgage lenders are popular sources of home equity loans since their approvals are based mostly on equity. 

Terms and Payment Options for Home Equity Loans in Ontario

The most common features of a home equity loan are a one-year

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In a perfect wold you would be able to vacuum once a week, keep onto of the dishes, and clean the bathrooms and your house would stay in pristine condition for years to come. Unfortunately, maintaining the state of your home requires a lot more work. The inside and outside of your home should be monitored throughout the year to ensure that all repairs are made, everything that needs replacing is replaced, and everything is running in tip-top shape. Below is a list of everything that should be done throughout the year to ensure that your home is looking and feeling its best. 

Monthly 

  • Inspect, and possibly change out HVAC filters. People with smaller homes or without any animals may not NEED  change these every month, but you should at lease check
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So you decided to put your house up for sale; you finally did it! Perhaps you're ready to move into your dream home now that the kids are gone, or maybe you're upgrading to accommodate your growing family. Whatever the reason, you now have a big sign in your your letting everyone know that you're ready to move on to bigger and better things! But who's face are you advertising on your front lawn? Is it someone you trust? Someone you have faith in to have your best interests at heart? Finding the right realtor to represent your property and find your next big investment is not a decision that should be taken lightly. The key is to find a realtor with the right skills and attributes that will make buying your next house easy and stress free. 

When you

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So you are thinking of buying a home. Great!

Here are some things to think about:

Renting verses Ownership

Renting is a fixed price you agree to pay to the landlord for an agreed upon time frame. You may also pay utilities for the home which can fluctuate. But, when the home is in need of repair that is the responsibility of landlord who also pays the taxes, insurance and yearly maintenance, these costs can add up quickly.

In home ownership you are responsible to not only pay the monthly mortgage, insurance, taxes but the maintenance costs and many new home owners don’t factor in these costs. A new furnace for instance can put you back $3,000 - $10,000. Do you have enough to cover something like that? You will need to ask yourself what would

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