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You have made the decision to sell your home. You’ve probably been thinking about it for a while. Maybe it’s been 3 to 6 months or even a year. It can feel extremely overwhelming. One of the most common mistakes a REALTOR® sees in this market are sellers contacting a REALTOR® one to two weeks before they want to list their home. If you have been preparing for months or years you can understand how a two week deadline for a REALTOR® to get your property on the market can make for a snug timeline. There is way more to listing your home then putting a sign on the lawn and getting photos done before it is live on the web. First impressions are everything in this market! To have 
a healthy listing here is our advice to a successful listing plan.

 

Start working with a Realtor 2-3 months before listing your home! WHY? It’s all about preparation in this market, BEFORE the listing goes live. When we work with buyers, our value is about educating them on the market, months before they are ready to put an offer on a home. For sellers it’s about preparation to make sure the home is going to show well and working with your REALTOR® to gather all documentation on the property. An important process to listing your home includes due diligence and pulling all records, check for an oil tank or do a pre-inspection report. We also enjoy setting our sellers up for success by educating them about the real prices in their neighborhood a month before they are going to list so they have a great understanding on their area. What you see in the newspaper or what your neighbor told you they sold for can be false or misleading.

 

Customizing a timeline just for you! A REALTOR® wants to organize a timeline, create a customized strategy and marketing plan to sell your home. If you want to move out on a certain date, we have to work backwards and pick an appropriate listing date. It’s up to you and your REALTOR® to ensure you have a plan once you sell in this market too.

 

Give yourselves those two months to get your home ready.  

Most sellers have things they want to fix before putting their home on the market, we are here to help you with a list of to do’s as we know what buyers are looking for. We want to ensure there’s enough time to clean and declutter your home and bring in a stager if need be.  

 

A week or so before you list is when your REALTOR® will do a thorough analysis for you. Then you will decide on a price that you feel comfortable with because you’ve been watching the market and feel educated. A REALTOR® wants to market your home before it is listed online to get you top dollar. So, if we can have photos done a week before your listing goes on the market then we can start marketing “coming soon” advertisements and get buyers excited for your property. We also have a network of REALTORS® we want to promote your home to, so let us have enough time to do that and generate buzz before it goes on the market.

 

It’s a good feeling when our sellers have a plan and we are all working together. A buyer will know when you’ve prepared your home before you list, so let us set you up for success and create a good first impression to get you top dollar!

 

Call us today for a free home evaluation and visit our marketing plan. We are here to help you. Feel free to email our team or fill in your information on our contact page. 

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This week we are featuring a guest blog post from Jule Cookson of RBC. Following up our post on Brokers Vs. Banks last month, Julie wanted to provide our readers with some insight into the value of working with RBC for their mortgage needs. Enjoy! 

 


 

Did you know that RBC does not broker its mortgages?  If you think your mortgage broker is shopping for the best rate with all Canadian banks, you are missing out on the opportunity to see what RBC can offer.  RBC will look at your overall financial picture and provide advice that is tailored to you personally, and is not just an interest rate. 

 

Our team of advisors will also provide advice on your retirement savings, education plans for your children, and saving you money on bank fees. 

 

Timing is vital when a home purchase is in process and we pride ourselves on firm, fast approvals.  Our credit centre is open 6 days a week and we endeavor to get approvals turned around within 48 hours.  Often RBC does not need as much paperwork as is required by a mortgage broker. 

 

Perhaps your application does not fit within RBC’s standard lending guidelines?  On the rare occasion when this is the case, we have a team of RBC specialists who have access to alternate lenders at competitive rates.  Our range of programs for home 

financing includes float home purchases, products for new immigrants and self-employed clients, and our Homeline Plan with a secured credit line combined with a mortgage.


 

Call me for your personal mortgage overview and pre-approval at 250-818-1538, or email me at julie.cookson@rbc.com.  I am fully mobile and work outside of regular bank hours to accommodate your schedule.

 

 

 

 

 

 

 

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A month into the new year and 2015 has already been a great year for our team. We have kept busy by meeting new clients, organizing our upcoming mini series and helping 8 clients move this month alone! 

 

Read on for mortgage brokers vs banks, market analysis tools and great apps. 

 

5 Reasons Why We Choose Brokers Over Banks 

 

1. Options: Mortgage brokers have a database of lenders and mortgage rates and they will do the shopping around for you whereas a bank relies on their rates. Brokers may also be able to negotiate you a better rate than your bank.
 

2. Service: Brokers do not represent any one lender so they are able to give independent advice based on your best interest. Brokers will look at your long term goals and find ways to save you money and pay off your mortgage faster. If you can't make it to an office during business hours, you may be able to arrange with a broker to meet you at your home in the evening.

 

3. Speed: When you have an accepted offer, there is a limited amount of time to get a financing approval. In our experience, brokers work faster than banks. 
 
4. Credit Reports: If you shop around to different lenders, your credit report may be pulled multiple times which could negatively effect your score. Brokers will only pull your credit score once and if your credit score is low, a broker can give you advice on how to bring the score up.
 
5. Potential Penalties & The Fine Print: Whether you want to pay off your mortgage before the fixed term is up, port your mortgage to a new property or have someone else assume your mortgage, a broker will be able to navigate the fine print of every lender. Banks typically have the largest penalties compared to lenders that only brokers have access to. 
 
 
 
Housing Market Information Portal 
 
For all of our past clients, keep your eyes peeled on your inbox the next few weeks as we will be sending out valuable market information about your home and surrounding area. We'll be providing you with a great snapshot of what has been happening in the housing market in your neck of the woods. 
 
In the meantime or if you have not bought or sold your home with us, check out this awesome portal hosted by CMHC. Poke around this interactive map to find out vacancy rates, population, average rental prices and housing need in different areas. 
 
 
 
 


Never Miss a Pick-Up Day! 
 
You have a millions things to think of on any given day - don't think about garbage! If this is the first you are hearing of the CRD's recycling reminder app, you may have just saved yourself from running out to your curb in your slippers and robe. Visit the CRD's website to download an app for your phone that will notify you on pick up days - even on those tricky statutory holidays. Check your municipality's website if they have one for waste/food scraps like the City of Victoria's
 
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