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January 20, 2017

 

Check out this educational video, part of RE/MAX Fit to Sell campaign

 

 
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  1. 1.    Holiday house hunters are typically serious home buyers, they aren’t going to be looking during the holiday season unless they really want/need to buy.
  2. 2.    Your home will likely feel very homey during this season (as long as you don’t go Clark Griswald on the neighborhood).
  3. 3.    Showing may actually be easier than you think if you are planning on spending any time away visiting others during the holidays…your home becomes a “go and show” when you are out of town and is always show ready.
  4. 4.    Many of your neighbors will be having family and friends over for parties and such…if they love the neighborhood and see your for sale sign…you might just get some interested buyers.
  5. 5.    Let’s not kid…your house will smell amazing with all the pumpkin pies, sugar cookies, and breads you will be making
  6. 6.    Lots of people get Christmas bonuses and some will likely plan to use theirs as a down payment…get those folks interested now, while they have the money!
  7. 7.    You don’t have to worry about any yard maintenance or up keep because your yard is likely dead, your leaves are already raked and flowers won’t be blooming for a while.
  8.  8.    You can always ask Santa for a ready, willing and able buyer.
  9. 9.    People are generally happy during the holiday season, happy people make happy home buyers.
  10. 10.  The majority of folks will think this is a bad time to sell a home so they will take their homes off the market or wait to put them on the market….this means you will have much less competition.

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January 20, 2017


First-time buyers interest-free down payment program


The new BC Home Owner Mortgage and Equity (HOME) Partnership program helps eligible BC residents purchase a home.

The program offers first-time home buyers who have saved a down payment:

  • A down payment loan of up to 5% of a home’s purchase price to a maximum of $37,500, on a home with a maximum price of $750,000.
  • This loan matches the buyer’s down payment and is interest-free and payment-free for five years.
  • After five years, buyers can either repay their loan or enter into monthly payments at interest rates that are current five years from the date of the loan.
  • Loans through the program are due after 25 years – the same length as most mortgages.

To qualify for the program, home buyers with a registered interest on title must reside in the home and be a:

  • Canadian citizen or permanent resident for at least five years;
  • resident of BC for at least one year immediately preceding the date of application; and
 
  Click here for larger version of infographic
 
  • first-time buyer who has not owned an interest in a residence anywhere in the world at any time.

The home buyer must:

  • use the property as their principal residence for the first five years;
  • obtain a high-ratio insured first mortgage on the property for at least 80% of the purchase price; and
  • have a combined, gross household income of all individuals on title not exceeding $150,000.

Buyers can begin gathering the documents they’ll need to submit an online application. Buyers will need:

  • Proof of status in Canada and residency in British Columbia.
  • Secondary identification (must include your photo).
  • Proof of income and tax filings.
  • Insured first mortgage pre-approval.

 

• Information and application details
• Questions and answers 

  

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