Maple Ridge News, September 25, 2011

Real Estate Resource Guide 2011–2012 – 1

REALESTATERESOURCE GUIDE 2011-2012

2 – Real Estate Resource Guide 2011–2012

THE WAY IT USED TO BE…THE WAY IT IS

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The advantage of using Bonnie Telep is that she offers her clients more options with access to hundreds of mortgage products. She works with all the major banks and credit unions in order to secure the best interest rate and product for your individual needs. The result is you have the security of knowing you are getting the best mortgage for your needs.

Remember, the Bank works for the Bank, BONNIE WORKS FOR YOU!

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604-467-930022519 Dewdney Trunk RoadMaple Ridge, BC V2X 7X7

Education & CultureSchool District 42 provides innovative educational • services to 15,000 students annually. Independent schools include Meadowridge, one • of the most accredited in North America.More than twelve post secondary campuses nearby • produce a steady supply of highly skilled workers.Countless community events and well-• established festivals including an agricultural fair, outdoor concerts, weekly Farmers’ Market and parades and community celebrations.Active theatre, arts, history and cultural groups. •

Growing EconomyMaple Ridge and Pitt Meadows together was the • ‘#5 Top Canadian Investment City’ by the Real Estate Investment Network (REIN) in 2010.Th e communities were the ‘#2 top BC investment town’ & • ‘the place to live for lifestyle’ by REIN in 2010 and 2009.Both communities have a welcoming • business climate ensuring residents have access to a wide variety of businesses. Located on the doorstep of Canada’s 3rd largest city, • Vancouver, and less than 30 minutes from the US border.

For the past four years Th e News has proudly published the A-List. Th is survey of the community includes a question asking voters to tell us why they choose to live in Maple Ridge or Pitt Meadows. For years, voters have told us a family friendly community, aff ordability, the beautiful views of the river and the mountains, community events and access to outdoor activities are the top reasons for living here. In addition to what our residents have told us in our A-List, here are more reasons to choose one of these two communities, when deciding where to invest in real estate.

Continued on page 4

Maple Ridgeand Pitt Meadows: Reasons to Invest


SERVING OUR COMMUNITY, IN MORE WAYS THAN ONE.

Serving the community is more than just being a great fi nancial partner. As a result, we’re always fi nding different ways to get involved and support the people around us. Over the past fi ve years, we’ve donated money and countless man-hours to local schools, charities and groups. It’s part of our belief that a caring credit union should not only look after its members, but also its community.

A division of First West Credit Union

BUSINESS BANKING • RETAIL BANKING • INSURANCE • WEALTH MANAGEMENT

envisionfi nancial.ca

ConnectionsTwo major bridges enhance access to the • Lower Mainland and Fraser Valley.Daily commuter train, the West Coast Express, gives • residents easy access to downtown Vancouver.Access to railways and the largest all-weather • deep water port on the West Coast.Access to two International airports; including • YXX (Abbotsford) only 30 minutes away; and YVR (Vancouver) the second busiest airport in Canada.Pitt Meadows Regional Airport (YPK). •

Balanced LifestyleVancouver was rated North America’s top • city for quality of life and was rated fourth in the world. – Mercer Report, 2010One of the fastest growing Metro Vancouver communities.• Most aff ordable housing in Metro • Vancouver. – CMHC, 2009Sports & outdoor recreation is abundant; • community sports facilities, hundreds of walking, hiking, biking & equestrian-friendly trails.Cultural diversity is embraced and resources are available.• Full service Ridge Meadows Hospital serving • both Maple Ridge and Pitt Meadows.

Maple Ridge and Pitt Meadows:Reasons to Invest countinued from page 3

Community Profi lesMAPLE RIDGEPopulation ......................................................75,051Income

Average Household ..................................$91,696Average Family .........................................$100,489

Average Unemployment† .............................7.3%Housing Values

Median Single Detached Home Cost* ....$449,500Average New Detached Home** ............$572,000

Largest Employment SectorsRetail Trade ................................................12.2%Health Care and Social Assistance .........10.7%Manufacturing ...........................................10.5%Construction ..............................................9.6%Educational Services ................................6.9%

PITT MEADOWSPopulation ......................................................18,000Expected Population Growth by 2020 ........24,000Population Age

Median age ................................................38.3 years25–44 years ...............................................29%0–14 years ..................................................19%

Median Household Income ..........................$64,748Unemployment Rate (2001) .........................6.5%Source: †BC Stats, Oct 2010

*REBGV, Sept 2010, **CMHC, Aug 2010


Professionals on Your SideIt’s important you have a team of professionals working for you when you buy a home.REALTOR®—Provide advice, has knowledge about the community & neighbourhood, help you fi nd the ideal home based on your needs/wants, negotiate the best deal for you, to write an off er of purchase, help arrange a home inspection.Mortgage Professional—Banks, credit unions, and mortgage brokers are the most commonly considered to lend money for a mortgage. You have a choice so fi nd the right one for you. A great place to start is with the fi nancial institution you have a relationship with but interview others so you can compare. Lawyer or Notary—To protect your legal interests, including reviewing contracts before you sign them, especially the Off er to Purchase. A lawyer or notary should be licensed, live or work in the area, understand real estate laws, regulations and restrictions, have reasonable fees, and be able to explain things in a language you will understand. Insurance Broker—An insurance broker can help you with insurance, including property insurance.Home Inspector—A home inspector will evaluate the property you are considering buying. A home inspection is a visual assessment of the foundation, doors, windows, roof, exterior walls, electrical, plumbing, heating, attic, overall of the building and the lot, to name a few. Appraiser—An independent appraisal can tell you what the property is worth, before you make an off er. Th is ensures you are not paying too much. Your REALTOR® can help you fi nd an appraiser.

HOW REALTORS® HELPCourtesy Real Estate Board of Greater Vancouver

Buying or selling a property can be complicated no matter what type of property. It’s also a signifi cant fi nancial transaction. Therefore, it’s important to get the best help you can. REALTORS® provide you with protection against misadventure and fraud. They stay current on information by participating in ongoing professional education programs. They make use of the MLS® property database to help you sell your property or fi nd a new home. They have marketing and negotiating skills that will help you make the right purchasing or selling decision.

REALTORS®

are ProfessionalsCourtesy Real Estate Board of Greater VancouverNot all licensed or registered brokerages or real estate agents are REALTORS®. REALTOR® is a trademark identifying real estate licensees who are members of Th e Canadian Real

Estate Association. All REALTORS® in BC are licensed and accountable to the Real Estate Council of BC, the provincial gov-ernment’s regulatory real estate licensing agency. Th is agency administers the Real Estate Services Act, BC’s legislation gov-erning real estate. REALTORS® are subject to a higher standard than the minimum required by the Real Estate Services Act. REALTORS® are members of real estate boards and are required to adhere to the Canadian Real Estate Association’s REALTOR® Code and Standards of Business Practice.

Both the Real Estate Council of BC and the 12 BC real estate boards use a comprehensive investigatory and disciplinary process to deal with complaints. REALTORS® who are found to have breached either the legislation or REALTOR® Code are subject to sanctions by their board and/or the Council.

REALTORS® are committed to continuing education and consistently refi ne and improve their skills and professional knowledge through participation in a mandatory Professional Development Program. Every two years, REALTORS® must complete a required number of course credits as a condition of continued membership in their Board. Th ese courses are designed to keep REALTORS® up-to-date with new and changing information relating to real estate. As licensees, REALTORS® are also required by the Real Estate Council of BC to complete a re-licensing education program every two years.

778-988-1224OFFICE: 604-466-2838WEBSITE: www.terrismith.caE-MAIL: [email protected]

Terri SmithTerri Smith

My goal is for you to have the most professional and personalized real estate service possible.

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Sid [email protected]

Steve Anderson604-817-5285steveanderson@royallepage.cawww.steveanderson.ca13 years, Royal LePage Platinum, President’s Gold

Craig [email protected]

Luke [email protected]/lukeash

Chad [email protected] years of serviceMLS Medallion, Platinum Award, Award of Excellence

Debra [email protected] years of serviceMLS Medallion, Platinum Award

Karen Bennett604-463-3000karenbennett@telus.netwww.mapleridgerealtors.com17 years of serviceMLS Medallion, Master Sales

Dawn [email protected]

Allan [email protected]

Jill Catudio604-340-2944jillcatudio@royallepage.cawww.realestatevancouverbc.biz

Randy [email protected] years of serviceMLS Medallion, Diamond, Award of Excellence

Tracy [email protected]

Randall [email protected]/randalldidiuk5 years of serviceSRES - Senior Real Estate Specialist

Pat Drummond604-467-5000patdrummond@royallepage.cawww.patdrummond.ca22 years of serviceMLS Medallion, Royal LePage Lifetime Achievement, Diamond

Angela Dundas604-857-3232realestateangela@gmail.comwww.angeladundas.com3 years of serviceSales Achievement

Sarah [email protected] years of serviceMLS Medallion, Platinum Award, President’s Gold Award, Master Sales

Jeanie [email protected]

Chris [email protected] years of servicePresidents Gold, Award of Excellence

Jana Fuller604-202-2794janafuller@royallepage.cawww.bestpropertysource.com

Danny Gerbrandt604-802-6694danny@dannyandclaudio.comwww.dannyandclaudio.comMLS Medallion, Presidents Club, Award of Excellence

Don Gerbrandt604-802-9848don@dannyandclaudio.comwww.dannyandclaudio.com

Lennie Gullmes604-467-5000lennie@rolftherealtor.comwww.rolftherealtor.com25 years of service

Rolf Gullmes604-202-7653rolf@rolftherealtor.comwww.rolftherealtor.com26 years of servicePlatinum Award, Presidents Gold

Ed [email protected]

Gina [email protected]

Don [email protected] Achievement

Ken Hemminger604-467-5000kenhemminger@gmail.comwww.kenhemminger.com39 years of service

Nicole Hunt [email protected] years of service

Dave [email protected] years of service

Jim Isherwood604-250-7755jimisherwood@royallepage.cawww.jimisherwood.ca42 years of serviceMLS Presidents Club

Nicole [email protected]

Coleen [email protected]

Al [email protected]

Joel [email protected] years of serviceRoyal LePage Platinum - Production Excellence

Brenda [email protected]/brendalyster

Lori [email protected]/lorimagnuson

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Taryn [email protected] years of servicePresidents Gold, Platinum Award,Medallion Club

Rick [email protected] years of serviceMLS Medallion, Royal LePage Platinum

Michelle [email protected] years of service

Jennifer [email protected]

Jessica [email protected]

Betty [email protected] Sales, Sales Achievement

Debi [email protected] years of service

Don [email protected] years of serviceMLS Gold Medallion, Diamond Award, Award of Excellence

Ray [email protected] years of serviceRoyal LePage Diamond

Bob Quinnell604-467-5000bobquinnell@royallepage.cawww.bobquinnell.com48 years of serviceMLS Medallion

Jim Quinnell604-466-4551jimquinnell@royallepage.cawww.jimquinnell.com20 years of serviceDirectors Platinum, Award of ExcellenceMLS Medallion

Dave [email protected]

Glenn [email protected]

Luke [email protected] years of service

Claudio Sartore604-340-4167claudio@dannyandclaudio.comdannyandclaudio.comMLS Medallion, Presidents Club, Award of Excellence

Kevin [email protected]

Tyra [email protected]

Sandie Scherer604-290-5181sandie@dannyandclaudio.comdannyandclaudio.com12 years of service

Chase [email protected]/chaseshymkiw

Yolanta [email protected]

Tammy [email protected]/tammysonne

Mary [email protected]

Laurell Swaré[email protected]

Greg [email protected]

Trevor [email protected]/trevortache

Ralph [email protected]

Bob [email protected]

Vicky van Herwaarden604-999-2452vicky@concordiahomes.cawww.thepointehomes.ca

Amanda vandenBrink604-619-2164amandavandenbrink@shaw.cawww.clickmyhome.ca3 years of service

Bob vandenBrink604-812-2894bobvandenbrink@shaw.cawww.clickmyhome.caR.I.(B.C.)Urban Land Economics

Virginia [email protected] Achievement

Sid Alamo Tracy DeLair Lenni

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Whether an individual is a buyer or a seller, or doing both, his or her goal is to get the best fi nancial deal on the home — and oft en that means having a qualifi ed REALTOR® working in his or her corner.

Those entering the real estate realm may have misconceptions about what’s involved. Oft entimes, individuals think they can go it alone and save money in the process. However, not having a knowledgeable agent to navigate the process can end up costing more money in the long run. An agent is not there just to open up houses for viewing or to simply put a For Sale sign on the front lawn. REALTORS® guide the seller or buyer through a complicated process of legalities and emotional hurdles. Agents also negotiate for the buyer and seller to help them make important fi nancial decisions.

W hen sel lers are inter v iew ing REALTORS®, their primary focus is usually on the advertising that the agent will do. Advertising is important, but sellers need a strong negotiator to help get the best price and terms. Buyers should also look for agents who have strong negotiating skills and neigh-bourhood knowledge to help them make the most of their purchasing power.

Individuals can expect a REALTOR® to help them navigate a process that, to first-time buyers or sellers, can prove intimidating.

Buying a HomeSchedule a consultation to discuss what 1. the buyer is looking for in a home.The REALTOR2. ® may suggest buyers speak with a mortgage consultant to fi gure out their buying power and obtain a mortgage pre-approval letter.The agent will then look up home 3. listings in a particular price range and help the buyers to view the homes.When buyers find a home, the real 4. estate agent will help them come up with a fair market price and write up the contract to present to the seller.Th e agent will help the buyer negotiate 5. on the fi nal price with the seller.

Th e agent may be present during a home 6. inspection, which is recommended.The agent will then schedule the 7. home appraisal.He or she will then confi rm the closing 8. and be present at closing with the buyer and the attorney, if necessary.

Selling a HomeTh e real estate agent will meet with 1. the sellers and evaluate the home and property.He or she will do a market analysis 2. to determine the best price to list the house based on the neighbourhood and comparable sales.Th e agent may make suggestions for 3. repairs or improvements that can help make the home more attractive to buyers.Th e real estate agent may present a 4. marketing plan that indicates where the home will be advertised.He or she will write up a listing 5. agreement and begin the process of marketing the home.An open house for real estate brokers 6. may be scheduled.An open house for buyers will be 7. scheduled.Th e agent will fi eld calls from other 8. agents and notify the seller when a viewing request has been made.Follow-up feedback can be off ered, 9. which may include information the agent receives by making calls to people who viewed the home or by tracking how many potential buyers viewed the home listing.When an off er comes in, the agent 10. will notify the sellers and advise them of the negotiation process.The agent will be present during a 11. home inspection.The agent will likely be present at 12. the home closing with the real estate attorneys.

Individuals buying or selling a home can certainly do it by themselves, but REALTORS® have the knowledge and provide assistance through the myriad steps of the process, helping individuals to save time and money.

REALTORS® Can Help Save Buyers and Sellers Money

10 QUESTIONS TO ASK YOUR REALTOR®

Courtesy Real Estate Board of Greater Vancouver

How long have you 1. been a REALTOR®?What is your average 2. list-to-sales ratio? A good REALTOR® should hold a track record for how many properties they have listed to how many they have sold within a given time period.How will your marketing 3. plan meet my needs? In other words, How will you sell my home? Where and how often will you advertise? Do you have samples of past marketing efforts?Will you provide 4. references?What separates you from 5. your competition?May I review documents 6. that I will be asked to sign?How will you help me fi nd 7. other professionals?How much do you charge?8. What kind of guarantee 9. do you offer?What haven’t I asked you 10. that I need to know?


Buying or Selling?Contact one of the Agents Below

W hether you’re selling, buying, relocating or just

have a few questions, give me a call...anytime“There is is no substitute for integrity, knowledge and trustworthiness”

John John O’GradyO’Grady

604-202-5117Over 18 years experience

WILLARD DUNN604-818-8760

PENNY DUNN604-818-8762

Selling, buying or leasing real estate?www.willarddunn.com

[email protected]

Put my years of experience to work for you.

Frank BuddAssociate Broker/Realtor604-724-5567Search for new Maple Ridge listings on my sites www.frankbudd.comwww.frankbudd.comwww.mapleridgetownhouses.comwww.mapleridgetownhouses.comEmail: [email protected]: [email protected]

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Th ere are generally two ways to get a mortgage in Canada: From a financial institution or from a licensed mortgage professional.

While a fi nancial institution off ers products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and fi nancial institutions. Rather than lending money directly to you, brokers arrange transactions by fi nding a lender for their clients; therefore, off ering choice and access to hundreds of mortgage products. As a result, clients benefi t from the trust, con-fidence, and security of knowing they are getting the best mortgage for their needs.

Whether you’re purchasing a home for the fi rst time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.

Choice—Mortgage brokers can provide wide range of mortgage products from various lenders to meet your specifi c fi nancial needs.

Advice—Mortgage brokers off er alternatives in selecting a mortgage product and other fi nancial services that are best suited for your situation.

Service—Mortgage brokers are available to meet you when & where it is most convenient. Th ey manage the mortgage process to ensure you have a positive experience.

Savings—Mortgage brokers may save you money by providing, on average, lower interest rates.

Mortgage brokers do not all have access to the same lenders, so the available mortgages vary from broker to broker. It’s important to shop around with more than one broker, just as you would with fi nancial institutions. Compare rates and features of the mortgages to help make the right decision for you.

Using aMortgage Professional

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Courtesy Real Estate Board of Greater VancouverAugust marked the third consecutive month that home sale activity in Greater Vancouver was below the 10-year average for the month. In contrast, home listing activity in the region has exceeded the 10-year norm every month since the beginning of the year.

The Real Estate Board of Greater Vancouver (REBGV) reports that resi-dential property sales of detached, attached and apartment properties on the region’s Multiple Listing Service® (MLS®) reached 2,378 in August. Th is total represents an eight per cent increase compared to the 2,202 sales in August 2010, but also ranks as the third lowest total for August in the last 10 years.

“MLS® statistics continue to indicate that we’re in a balanced market,” Rosario Setticasi, R EBGV president sa id . “However, with a sales-to-actives listings ratio of 15 per cent, Greater Vancouver is in the lower end of a balanced market and has been trending toward a buyers’ market over the past three months.”

New listings for detached, at tached and apartment pr o p e r t i e s i n G r e a t e r Vancouver totalled 4,685 in August. This represents a 24.9 per cent increase com-pared to August 2010 when 3,750 properties were listed for sale on the MLS® and an

eight per cent decline compared to the 5,097 new listings reported in July 2011. Last month’s new listing total was the highest volume recorded for August in 16 years.

At 15,437, the total number of resi-dential property listings on the MLS® increased 1.4 per cent in August com-pared to July 2011 and rose 0.1 per cent compared to this time last year.

The MLSLink® Housing Price Index (HPI) benchmark price for all residential properties in Greater Vancouver over the last 12 months has increased 8.5 per cent to $625,578 in August 2011 from $576,597 in August 2010.

“Year over year, prices are up. However, in the detached home cat-egory, benchmark prices have come

down slightly in each of the past two months,” Setticasi said. “It’s important for people entering the market to under-stand that activity can diff er signifi cantly depending on the area and property type.”

Sales of detached properties on the MLS® in August 2011 reached 1,020, an increase of 14.2 per cent from the 893 detached sales recorded in August 2010, and a 25.4 per cent decrease from the 1,367 units sold in August 2009. The benchmark price for detached properties increased 11.7 per cent from August 2010 to $888,243.

Sales of apartment properties reached 955 in August 2011, a 2.1 per cent increase compared to the 935 sales in August 2010, and a decrease of 34.8

per cent compared to the 1,464 sales in August 2009. The benchmark price of an apartment property increased 5.6 per cent from August 2010 to $407,457.

Attached property sales in August 2011 totalled 403, a 7.8 per cent increase compared to the 374 sales in August 2010, and a 33.9 per cent decrease from the 610 attached prop-erties sold in August 2009. The benchmark price of an attached unit increased 4.5 per cent between August 2010 and 2011 to $511,433.

BUY OR SELL FIRST?It’s the age-old question, do I sell my home before I buy, or do I buy my new home before I sell? It’s natural to want to buy your new home fi rst so you have the security of knowing where you’ll be living. But there are advantages to selling fi rst, buying later:

You’ll know how much your house is worth, so you can be sure of how much you can spend.There’s a chance you won’t have to make your offer subject to fi nancing.You might be able to arrange a long closing to give you time to look.It could be a stressful situation, but it’s also stressful to own two homes.

Greater Vancouver home sales trend toward buyers’ market over summer

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Anderson & Thompson

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David Riddell

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Alan C. Thompson

Lawyer/Notary Public

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22311 - 119th Avenue, Maple Ridge, BC

V2X 2Z2 Fax: 604-463-7497

www.brendajenkins.com

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Anny An 604-377-2568 www.thegalwaygroup.ca [email protected]

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Elida Baxter 604-467-9300 www.coldwellbankermapleridge.com [email protected]

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Jeff Bright 604-828-7653www.jeffbright.ca [email protected]

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Mario Casoria 604-454-8102 www.movewithmario.com [email protected]

Jack Clesson 604-374-4398 www.jackclesson.ca [email protected]

Randy Cooke 604-467-9300 www.coldwellbankermapleridge.corn

Vicki Cunningham 604-839-3990 www.ralphtelep.com [email protected]

Kim Fabbro 604-996-8350 www.coldwellbankermapleridge.com [email protected]

Helen Ferris 604-467-9300 www.coldwellbankermapleridge.com

Marshell Forster 604-561-4012 [email protected]

Ron Fraser 604-467-9300 www.mapleridgeliving.com mapleridgeliving@shaw. ca

Mellissa Galway 604-788-8476 www.thegalwaygroup.ca mgalway@shaw. ca

Sue Galway 604-828-8476 www.thegalwaygroup.ca [email protected]

Ted Hedrick 604-418-4799 [email protected]

Al Hogarth 604-506-5840 www.coldwellbankermapleridge.com [email protected]

Jamie Luttmer 604-760-6448www.luttmer.ca

Cass MacLeod 778-773-2903 www.cassman.ca [email protected]

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Janet Murphy 604-351-6772 [email protected]

Bill Mutch 604-467-9300 www.coldwellbankermapleridge.com [email protected]

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Stan Pavlov 604-467-9300 www.coldwellbankermapleridge.com

Laurel Payne 604-467-9300 www.coldwellbankermapleridge.com [email protected]

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We make your move easier.We make your move easier.If you’re thinking of buying or If you’re thinking of buying or

selling, call us at selling, call us at 604-467-9300604-467-9300


Are you ready to buy1. —You should already have saved some of your down payment and should be good at managing debt like credit cards or loans. A mortgage is a fi nancial responsibility that also requires constant upkeep. Decide how much you can afford2. —Use this simple equation to consider what to expect aft er you’ve saved for your down payment. Th e cost of buying a home = one time costs (down payment, legal fees, inspection fees and taxes) + monthly costs (mortgage, utilities, maintenance, insurance and property taxes).Decide what you want to buy3. —First decide where you want to live (urban, suburban, rural) and then decide which neighbourhood suits you best and what type of home (detached, attached or apartment) you want. Whether or not the property is new or resale may also aff ect your costs. Find the right REALTOR®4. —There are many ways to fi nd a real estate agent; drive through neighbourhoods that interest you and jot down names, go to open houses, look at advertising, ask friends and family for referrals. Interview two or three and pick the one you like best.See what’s out there5. —REALTORS® run an incredible search tool called the Multiple Listings Service® (MLS®) which contains information on property listings. Your agent can send you listings that fit your criteria and together you can draw up a short list and visit them. Sell your current home. 6. Add specialists to your team7. —Decide on a lender. A notary public or a lawyer will help you understand the many legal documents that come with buying your home. A home inspector can save you from unpleasant surprises when you move in. Make an off er8. —REALTORS® are expertly trained and will prepare your off er for you and explain any terminology you don’t understand.Arrange a mortgage9. —Th ere are banks, credit unions and other lenders available for you. Talk to your fi nancial insti-tution and call around to others. Ask friends or family for referrals. REALTORS® are knowledgeable about mort-gages and may refer you.Close the deal and move in10. —Your off er has been accepted and your real estate agent and notary public or lawyer will do most of the closing work. Make sure you understand the conditions of the agreement that require immediate action on your part.

10 Steps toBuying Your Home Courtesy Real Estate Board of Greater Vancouver

TEKTON Project Management offers turn-key solutions for developers, realtors, architects, and anyone looking to have their construction project managed from start to fi nish. We take care of your budget, your contractors, your approvals, and your design to ensure the product you want is the product that’s built. Our team has worked in the industry for over 25 years and have been active in the local Maple Ridge community for long enough to know what it takes to get the job done.

604-467-8306 · [email protected]

Celebrating our 20th year in Maple Ridge, Bissky Architecture Inc. is a full-service design rm. In addition to planning, architectural, and interior design, we provide land develop-ment, rezoning and design-build consulting services. Our work experience includes multi-family, institutional, industrial and commercial developments throughout British Columbia, Canada, the Caribbean and Africa.

Bissky Architecture Inc.

604-467-8300 · [email protected] · www.bisskyarchitecture.ca


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Maple Ridge Offi ce 22718 Lougheed Highway 604.467.3871 www.macrealty.com

www.macauction.cawww.macrealty.com

It’s Your Move: Give Us A CallRoger Cummings [email protected] 604-828-7643

Pamela Danz [email protected] 778-235-0549

Andrew Etey [email protected] 604-230-4020

Brenda Exner [email protected] 604-603-8043

Harvey Exner [email protected] 604-649-1346

Jason Exner [email protected] 604-818-9851

Travis Franklin [email protected] 604-351-0235

Jay Fraser [email protected] 604-812-5425

Scott Harrison [email protected] 604-421-2220

Dick Huber [email protected] 604-250-3977

Mike Huber [email protected] 604-839-8647

Al Jenkins [email protected] 604-838-8872

Brenda Jenkins [email protected] 604-816-6961

John Johnson [email protected] 604-727-5531

Theresa Knight [email protected] 604-307-0700

Eve Kyle [email protected] 778-866-6683

Paul McCallum [email protected] 778-551-1901

Scott Meadus [email protected] 604-313-5727

Ron Mitchell [email protected] 604-617-9642

Cal Peter [email protected] 604-351-8885

Maggie Prince [email protected] 604-862-4524

Jason Smith [email protected] 778-227-5650

Dave [email protected] 604-341-0783

Lisa Telep [email protected] 604-970-2209

Peter Vanderlee [email protected] 604-880-3275

Dan Wagner [email protected] 604-353-6977

Victoria Ward [email protected] 778-838-9273

Jewel Yourchek [email protected] 604-813-5476

Tracey Hatchard [email protected]

Judy Daykin [email protected]

Reception [email protected]

For More Than 65 Years, a Trusted Name inReal Estate


Maple Ridge Offi ce 22718 Lougheed Highway 604.467.3871 www.macrealty.com

www.macauction.cawww.macrealty.com

For more than 65 years, a

trusted name in real estate

Maple Ridge Town Centre today

Front Street, 1910, shows the livery stable and Raymond L. Carter General Store. The building under

construction is the Bank of Montreal, now the Billy Miner Pub. The Haney Progressive Association

(later the Maple Ridge Board of Trade and still later the Maple Ridge Chamber of Commerce) has a

huge sign that would be clearly visible to both passenger trains and boat traffi c.t 1910 shows the livery stable and Raymond L. Carter General Store. The building under

l now the Billy Miner Pub. The Haney Progressive Association

M ple Ridge Chamber of Commerce) has a

Th ings have changed over the years.....but not our dedication or service


Buyers OrSellers MarketCourtesy Real Estate Board of Greater VancouverTh e real estate market is cyclical—which is why you may have heard the term, “real estate cycle.” Several key factors infl uence this cycle, including interest rates, employment growth, investment growth, construction and even immigration. All infl uence whether there is a buyer’s market or a seller’s market.

A buyer’s market is when there are many more homes for sale than there are buyers. As a result, prices may drop over time as home-owners become eager to sell their property.

A sellers market is when interest rates are low so there are many qualifi ed buyers and not many homes for sale. Buyers must make quick decisions and face multiple off ers on the home they have chosen to buy and prices can rise.

To measure market activity, the Real Estate Board has a unique tool. It’s the Sales-to-Listings ratio that measures the balance between demand and supply.

A ratio of three sales for fi ve listings • means we are in a seller’s market.A ratio of less than 7 sales for every 20 listings • means we are in a buyer’s market.

Home Buyer’s PlanCourtesy Envision Financial, Ridge Meadows BranchIf you are a fi rst-time home buyer, the Home Buyer’s Plan (HBP) allows you to withdraw money from your Registered Retirement Savings Plan (RRSP) tax-free to make your down payment. Th e Plan is administered by the Canada Revenue Agency (CRA). For more information, visit www.cra.gc.ca or talk to your fi nancial advisor or institution.

You can withdraw up to $25,000 from your RRSP• If you buy the home together with your spouse, • partner or someone else, each of you can withdraw up to $25,000, for a total of $50,000Th e withdrawal from your RRSP does not need to be • included in your income on your annual tax return, and tax is taken off the money you withdraw.You don’t have to start paying back the money to your • RRSP until two years aft er the purchase of your home.You must pay back all withdrawals from your • RRSP within 15 years by making RRSP deposits each year, starting the second year following your withdrawal. CRA will determine what your yearly repayment will be and will notify you once you need to start repaying the amount.If you do not repay the amount due in a given year, • it is included in your taxable income for that year and you’ll have to pay income tax on this amount.

Rockey SimpsonMortgage Specialist

® Registered trademark of The Bank of Nova Scotia.

Rockey SimpsonMortgage [email protected]/rsimpson

Maple Ridgeand Area604-374-3209fax 888-775-2572

Meet RockeySimpson.We are pleased to introduce Rockey Simpson as Mortgage Development Manager for Servicing Maple Ridge and Area. Rockey brings to the community over 30 years of experience and expertise in creating solutions to match your home ownership needs.

Contact Rockey for expert advice, competitive rates and innovative programs that make home buying easier. Plus with the convenience of mobile technology, Rockey is available to meet with you at your home or of ce.

SOLD

BUYERS · SELLERS · INVESTORS

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OUTSTANDING AGENTS, OUTSTANDING RESULTS

Nazir Abdulla

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resultsrealty

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WEBSITE

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HELPING PEOPLE MOVE

SINCE 1994

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Book a consult Book a consult with Pam.with Pam.

EXTERIOR Want NeedLarge lot and yardLow maintenance yardSingle family detached homeBasement suiteTown homeCondominiumOne story Two storiesThree storiesFenced back yardDeck or patio areaAttached garageOne car garageTwo car garagePrivate drivewayAluminum sidingWood sidingBrick exteriorRecently painted woodwork

Home ChecklistBefore you start looking for a new house, take a moment to fi gure out what you need or want. Th is will help your real estate agent narrow down the right houses to show you.

INTERIOR Want NeedOne bedroomTwo bedroomThree bedroomFour bedroomOne bathroomTwo bathroomsThree bathroomsFour bathroomsCloset in entrySeparate dining roomFireplace in living roomSeparate family roomFireplace in family roomEat in kitchenIsland kitchenKitchen appliances with purchaseLaundry roomMaster bedroom ensuiteMain fl oor bathroom CarpetingHardwood fl oorsLarge windowsBasement


Adrian [email protected]

Alex [email protected]

Andrea Vennesland604-779-3081andreavennesland.remax.caandreavennesland@remax.net

Barry [email protected]

Bjorn [email protected]

Brenda [email protected]

Darcy [email protected]

Darlene [email protected]

Dean [email protected]

Dean ThomasCommercial [email protected]

Debbie [email protected]

Dianna [email protected]

Donna Hetherington604-318-9496donnahetherington.remax.cadonna.s@shaw.ca

Gail [email protected]

Ihor [email protected]

Jagvinder [email protected]

Janet [email protected]

Jason [email protected]

Jim [email protected]

Julianne [email protected]

Karen [email protected]

Keith [email protected]

Kim [email protected]

Laurissa [email protected]

Leanne [email protected]

Lesley [email protected]

Liz [email protected]

Lori [email protected]

Mark [email protected]

Melissa [email protected]

Nazir [email protected]

Nina [email protected]

Paul [email protected]

Peter Hayes604-290-5639the [email protected]

Rick [email protected]

Rob [email protected]

Sandy [email protected]

Sonja [email protected]

Theresa [email protected]

Tom [email protected]

Vern [email protected]

Wendy [email protected]

TheRight Agents

forToday’s Market

20842 Lougheed Highway, Maple Ridge, BC V2X 2R3604.467.0811

105–1250 Dominion Avenue, Port Coquitlam, BC V3B 8G7604.472.0811

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EACH OFFICE INDEPENDENTLY OWNED & OPERATED


Start the conversation in the new Café at our Maple Ridge location.

Visit us online at remaxresultsrealty.com orsearch listings on your mobile device at remaxresultsrealty.com/m


Buyers may look at dozens of houses before fi nding the right one. Here’s a checklist to guide you through the things to consider when house hunting. Keep notes on each house you see so you can compare.

Location: ________________________________________

Address: ________________________________________

Asking price: ____________________________________

Annual property taxes: __________________________

Type of house: __________________________________

Neighbourhood type: ____________________________

Neighbourhood condition: _______________________

Zoning restrictions: ______________________________

Proximity to schools: ____________________________

Proximity to main roads: _________________________

Lot size and shape: ______________________________

Size and condition of front and back yards: ________

Number of stories: _______________________________

Driveway: _______________________________________

Siding type and condition: _______________________

Overall condition of exterior: _____________________

Garage type and size: ____________________________

Backyard privacy:________________________________

Patio/deck type and condition: ___________________

Roof type and condition: _________________________

Windows type and condition: ____________________

Room sizes: _____________________________________

Number of bedrooms: ___________________________

Number of bathrooms: ___________________________

Kitchen cabinet type and quantity: ________________

Countertops type and condition: _________________

Floors type and condition: _______________________

Wall colours and condition: ______________________

Fireplace/wood burning stove: ___________________

Basement description: ___________________________

Electrical wiring and outlets: _____________________

Lighting fi xtures: ________________________________

Plumbing condition: _____________________________

Heating type and condition: ______________________

Hot water heater age and condition: ______________

Appliances: _____________________________________

Insulation: ______________________________________

meet Evan Daignault

Contact me to start your projects today! GOOD RATES • FREE ESTIMATES [email protected]

With over 15 years of experience, hard work and dedication I can help you accomplish any of your home improvements today!

Evan @ 604.762.8426

Handyman EV Installaltionsdoes your HOUSE need REPAIRS

“Installations Done Right”

• Drywall • Paint • Venting • Carpentry • Appliance Installation • Laminate Flooring • Minor Plumbing and more... WE CAN HELP!

“Trust your dreams!” Each offi ce independently owned & operated

“Trust Your Dreams!”

LifeStyles Realty

Experience is the perhaps the most essential Experience is the perhaps the most essential attribute of any successful realtor. Consistently attribute of any successful realtor. Consistently ranking in the TOP 10% of realtors in the Real ranking in the TOP 10% of realtors in the Real Estate Board of Greater Vancouver (REBGV), Estate Board of Greater Vancouver (REBGV), I have sold hundreds of homes in a real estate I have sold hundreds of homes in a real estate career that fi rst began in 1980. The best way career that fi rst began in 1980. The best way to gain experience is through hard work so I’m to gain experience is through hard work so I’m a full-time realtor . . . and then some!a full-time realtor . . . and then some!

DEBBIE SHEPPARD604-312-3705

[email protected]

House Hunting Checklist

OTHER COSTS TO BUYING A HOMECourtesy Envision Financial, Ridge Meadows BranchTh e price of the house you are buying is not the only cost you need to consider when deciding if you can aff ord to buy. Th ere are other costs to consider:

Legal Fees• Appraisal Fee• Home Inspection• Title Insurance• Property Transfer Tax or Land Transfer Tax• Water Tests/Septic Tests—depending on location• Survey Certifi cates• Prepaid Expenses•

Property Tax—typically paid for the year • so the seller is reimbursed the portion of the year that the buyer will occupyUtility Bills•

Strata/Condo Administration Costs to produce• Estoppel Certifi cate• Insurance Binder• Form A•

HST/GST—new construction only•


NEW HOME CONSTRUCTION PROJECTS

[email protected]

DAVEDAVE

[email protected] &

[email protected]

CHRISTINE & RALPH CHRISTINE & RALPH

TEDFORD

SELLING HOMES FROM MISSION TO COQUITLAM

WE HAVE YOU COVERED

604.467.5000

Brookside Realty11933 224th St.,

Maple Ridge

MISSIONRiverview Estates

• Gated community• Stunning River & Valley views• 10 lots in Cul-de-Sac location• Lots start from $184,900 - builders

terms available• Custom Built Homes by Rattan

Construction Ltd.

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ESTABLISHED NEIGHBOURHOOD HOMES

23532 Dogwood Ave.• 1 acre• City water and sewer• Renovated rancher with part basement• $599,800

Call Dave 604-802-3331

24320 Fern Crescent• Alouette River waterfront• 1 acre with city water• Large family rm, wood burning fi replace• $799,000

Call Ralph & Christine 604-612-7005 Call Dave 604-802-3331

• 21 Homes to choose from

• 9 Quality builders to select from

• 4 Locations to select from

• Priced from $799,000

21 H t h f

COQUITLAMBurke Mountain

TO

• 10 homes coming soon• City in the country location • Parks, schools & rec. nearby• Two storey w/basement & basement

entry homes w/legal suites

MAPLE RIDGEBaker PhaseII

TO

• 4 bedroom Maple Crest home on 1/4 acre• Wallmark custom home in award winning

subdivision• $724,900

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conservatory and indoor pool• $2,650,000

25931 Dewdney Trunk Rd.


11933 224th St Maple RidgeBROOKSIDE REALTY

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Call Vicky 604-999-2452


CHASE SHYMKIWWorking Hard For You

Royal LePage Brookside Realty

www.your bcrealtor.ca

Chase Shymkiw is a Real Estate Professional, who goes out of his way to help both buyers and sellers make their dreams come true. Whether it’s fi nding the perfect home, getting top dollar for your home or arranging any fi nancing and/or legal work necessary to complete transactions, through his website, other national websites, marketing through the MLS system, newspaper advertising and two local kiosks in high-traffi c malls, your home will get the most exposure possible.

Chase is motivated and determined, and it is his willingness to work hard that makes him an obvious and smart choice for anyone looking to buy, sell, invest or even re-locate!

Free Market Evaluations are always offered.

Biography

Chase Shymkiw [email protected]

Brookside Realty11933 224th St.,

Maple Ridge

Sarah EalesSarah has lived in the Maple Ridge & Pitt Meadows for over 35 years. Sarah comes from a construction family, is a mother of three, resident, volunteer, investor and successful realtor in her community. She prides herself on local knowledge of neighbourhoods, customer service, honesty, integrity, repeat clients & referrals. For all levels of real estate needs, think of Sarah!

Jessica NormanJessica has proven people are her passion, with an education in sales & marketing and past accomplishments in the service and sales Industry. Jessica is proud to have lived and worked in Ridge Meadows for over 25 years. She has the local knowledge, work ethic and commitment to create success for her clients and lifelong relationships.

SarahSarahEalesEales

Jessica Jessica NormanNorman

Receive a $500 Gift Card with your next Real Estate Purchase or Sale. Call us to fi nd out how today!

Sarah604.202.7272

11933 224th St MRBrookside Realty

Jessica604.614.3399

[email protected] [email protected]


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.Sears is a registered trademark of Sears, licensed for use in Canada. MasterCard® is a registered trademark of MasterCard® International Incorporated.© 2011 Sears Canada Inc.

When you use your Sears Financial Credit Card on all installed fl oor coverings and custom window coverings at Sears Floor Covering Centres.

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searsfloor.ca11926 227th St, Maple Ridge

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Schools a Big Factor in Home PurchaseTh ere are many factors buyers consider when shopping for a home. From the number of bedrooms to the size of the backyard, prospective buyers have their priorities with what they’re looking for in a home. Parents to young children or couples planning to start a family should also consider the public and private school system.

Although countertops and interior living areas may be foremost on the minds of house shoppers, individuals also have to take school districts into consideration when looking at homes, particularly if they’re concerned about giving their children the best education possible. According to research by Th e Wall Street Journal, buyers are willing to pay more for a property if it is in a good school district. Th at’s because even if they do not have children, buyers know that a good school district helps a home remain attractive.

Not all schools are created equal, and some rank better in test scores and teacher-to-student ratios than others. Th ese are essential factors to think about when looking at homes. If the home will be a stepping stone to another home in a few years, buyers want to ensure their home has the best chance for resale and a good school district is a factor future buyers may think about.

Buyers also may want to make a trip to visit the area they’re considering during school hours to see for themselves the type of students and parents at the school. One also may want to set up a brief meeting with the principal to learn more about the ideals of the school and its goals.

It’s also a good idea to look at the proximity of the school to the house. Students who live within a certain distance from the school may have to fi nd their own transportation to and from school.

Families that are interested in a host of extracurricular activities can also evaluate the area based on the sports or other opportunities off ered to students.

Having a picture of the school district in the area buyers are considering will help off er a better idea of the neighbourhood and the people around whom they’ll be living. School districts are important to consider when buying a home, so much so that buyers are willing to pay a little more if it means having a good school in their area.

I have been a Licensed and Trusted Realtor since 1993 and I always look forward to applying my knowledge, skills and highly professional attitude to my career.Whether you are a “Property Virgin”, Investor or a Loyal returning Client I welcome it all.My passion for Homes extends beyond Buying & Selling. Many of my clients and Developers have taken advantage of my complimentary Interior Design, Show Home Designs and Staging skills. Weather you need help designing your Dream Home or staging your up coming home for sale, I am eager to help.My career highlight was appearing as a guest Realtor on HGTV’s “Buy Me” representing an Investor from Vancouver who recognized the incredible values in Maple

Ridge.My dedication and Integrity has landed me in the top 10% of Realtors in the Greater Vancouver Board of Realtors known as the “Medallion Club” as well as Platinum Sales Status with Royal Lepage.Helping you is what I Do

Debra BellDebra Bell“A Tradition of Trust”

[email protected]@shaw.ca

www.debrabell.cawww.debrabell.ca 11933 224th St., Maple Ridge

Brookside Realty


Brookside Realty

11933 224th St.,Maple Ridge

604-467-5000

Service you Service you deserve ... deserve ... People People you trust. you trust.

Website: RolfTheRealtor.comRolf 604-202-7653Lennie 604-619-0697

Rolf & Lennie Gullmes

Decide when to sell1. —In real estate, timing can infl uence your home’s selling price. Factors like how quickly you need to sell, whether it’s a buyers or sellers market and sea-sonality all play a role in your home’s fi nal selling price.Find a REALTOR® who is right for you2. —Th e agent who helped you buy your home is a good place to start. Th ey already know your home and they know you, so you’ll be saving time right from the start. Or look for names on For Sale signs in your neighbourhood or ask friends or family. Make sure to interview candidates and choose the one you like best.Sign a listing agreement3. —Th is authorizes your agent and their brokerage to market and sell your home. It will defi ne the legal relationship between you and the real estate brokerage and also set a time limit for your agent to sell your home.Determine your home’s asking price4. —Th e right asking price will attract buyers and pay you a maximum return. Setting too low a price means you could miss out on thou-sands of dollars. Setting too high a price will scare away buyers. Your goal is to fi nd fair market value. Add some specialists to your team5. —Similar to when you bought your home, it’s essential to have a notary public or lawyer handle all the documents that change hands and make sure your interests are protected. Prepare your home for sale6. —Now is the time to see your home through a buyer’s eyes: get rid of clutter, clean and repair as much as you can, within reason. Remember, weigh the cost of all your home improvements versus the potential fi nancial return. Let your REALTOR® do what they do best7. —Your agent will begin to market your home—For Sale sign, open houses, newspaper ads, a listing on MLS®, the internet and of course through your agent’s relationship with other agents. Prepare your fi nances8. —Will the buyer “assume” your mortgage or are you “discharging” it. If you’re buying a

10 Steps for Selling Your Home

Courtesy Real Estate Board of Greater Vancouver

new home, is your mortgage “portable”? What taxes are involved? Th ese are important questions to ask your agent, your lender and your notary public or lawyer. Receive an off er9. —Although REALTORS® will walk you through the process, be prepared for some stress. You will see every off er since it’s required that you see every off er submitted. You will have three options: accept, reject or counter off er. Close the deal10. —You were successful and have draft ed a legally binding agreement. Contact your lawyer or notary public, your lending institution and consult your REALTOR®. Immediately start satisfying any conditions of the agreement that require action on your part. On closing day, your lawyer or notary public will fi nalize all the details and give you a cheque for the net proceeds.

SELLING WITHOUT A REALTOR®Whether you are capable of handling the sale of your home will depend on how you answer these questions:

Are you familiar with the changing 1. real estate market to accurately evaluate your home?Are you familiar with real estate law and 2. regulations that affect property ownership?Do you have good selling skills? 3. Do you know how to market your property to get the best results?Are you a good negotiator? Can 4. you hold your ground when facing an aggressive buyer?Do you have the time to show your home?5. Can you qualify a buyer’s 6. fi nancial capability?Will you save money trying to 7. sell your home yourself?


Ridge / Meadows Tri cities·Langley·Surrey

Tel: 604-465-0707 Fax: 604-465-7034 Email: [email protected] Web: www.dominionmountainview.ca

Dominion Lending Centres Mountain View | Independently Owned & Operated

Whether you are first-time buyer or an experienced buyer with excellent credit, Dominion Lending Centres has access to the very best products and rates available across Canada. Give us a call... we think you'll be pleasantly surprised!

Whether you are a fi rst time buyer or an existing home owner, Dominion Lending Centres Mountain View has access to the very best products and rates available across Canada. Give us a call... We think you’ll be pleasantly surprised.


Exterior FixesExterior trouble areas include peeling paint; rotting wood on window frames; buckled roof shingles; overgrown shrubs; ignored lawns; and weeds growing through interlock paths, steps and the driveway. When it comes to fi rst impres-sions just a few little tips and tricks can make a big diff erence quickly and pay dividends.

Work on the yard. An appealing lawn is still a great way to catch a prospective buyer’s eye. When a home boasts a lush lawn and well-manicured trees, it’s hard to ignore that For Sale sign out front. Add colour by planting some annuals in the front yard fl owerbeds. Tackle pesky weeds on paths and driveway. Replace

or paint rusty fi xtures like the mailbox, railings, house number, and more.

Paint the trim &/or exterior. Scrape and spot-paint problem areas. Th is might be a temporary fi x, but even a touch up is better than peeling paint. A fresh coat of paint or new siding is always attractive to prospective buyers. If your home hasn’t had a new coat of paint in awhile that might make buyers feel the home is musty or old.

Clean up around the outside. Clutter around the house will almost certainly repel buyers. Th row away any unnecessary things ly ing around or consider temporarily renting a storage unit.

Interior FixesHomeowners thinking about selling have to do whatever they can to set their homes apart from the others available. Real estate experts call it “staging,” or presenting the home in the best light so that potential buyers can envision them-selves moving right in. Just a few changes here and there can position a home to sell faster than the competition.

Check the smell. A house can be perfect inside and out, but if it smells bad, buyers will likely be put off . Make sure there is no noticeable odor, such as pet smells, garbage, stale smoke, etc., to turn off others.

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Continued on page 32

Boost Your Home Value and Sell Faster

It’s called “curb appeal,” that good impression people get of your home when they pull up in a car, or when walking by. The can be as impressed with exterior curb appeal as they are with a well-maintained house on the inside. When it comes to residential property value, this book is indeed judged by its cover.


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Clear out. Make sure the interior looks as spacious as possible. Th is could mean taking out some furniture and tem-porarily putting it in storage. Be sure countertops in bathrooms and kitchens are free of clutter. And pack away knick-knacks that can collect dust.

Cater to the lazy person. Potential buyers generally want to move in and simply unpack. Th ey don’t want to make major repairs. Th erefore, homeowners should do whatever repairs are possible, within reason. If that means tearing down dated wallpaper or replacing carpeting, it could mean a faster sale. A clean carpet might make a world of diff erence to a home’s inhabitants, but a new carpet will be more appealing to prospective buyers. Choose a neutral-toned carpet that will boast a more uni-versal appeal.

Do a deep cleaning. Whether a cleaning service is hired or the hom-eowner does it himself, tackling nec-essary cleaning projects could make the

home shine. Now is the time to wash the windows, shampoo the carpets, regrout the bathrooms, and tackle all of those messes that could compromise a sale.

Add a fresh coat of paint. If walls are bright colours or eclectic, it could pay to paint rooms in more neutral shades to appeal to the masses. Just be aware that some buyers are suspicious of paint, especially freshly painted ceilings. Th ey may think a homeowner is trying to hide something, like water stains.

Keep the home updated. While one doesn’t have to follow every trend, ensuring the home is ageless can make for a better sell. Some might feel out-dated appliances indicate a homeowner who cared little about appearances and might begin to wonder if there are any additional areas that might have been neglected around the house. Up-to-date appliances in the kitchen and even new fi xtures in the bathroom are aestheti-cally appealing and tend to excite buyers. Homeowners who aren’t immediately putting their property up for sale can gradually upgrade their appliances to

lessen some of the financial toll such purchases take.

Create “happy” spaces. Buyers don’t want to purchase a dark home that seems full of doom and gloom. Open the windows, turn on the lights, add lights to dark rooms and use light colours as room accents. Generally buyers want a bright and light home.

Avoid provocation. One potential buyer could be an animal lover, another a political activist. No one can tell who will view the home. So don’t display personal items that might off end. Take down mounted deer heads and put away books that may seem off ensive. It can be a good idea to store religious items as well.

Clean out closets and cabinets: Partially empty closets and cabinets give the suggestion that the home is large and has plenty of storage space — so much so that it doesn’t even all need to be used. Buyers who see jam-packed closets could wonder what’s up with storage.

Selling a home in a tough market can be easier when homeowners take the steps needed to stage homes for a faster sale.

Boost Your Home Value and Sell Faster continued from page 30

Sander van Os23615 - 111A Ave., Maple Ridge

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Creating Clarity and Confi dence in all your Real Estate Endeavors


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Use a REALTOR®:• Some think they can sell their home just as well without an agent and save on commission. A REALTOR® is schooled in the process of negotiating the price of an off ered home. Furthermore, REALTORS® know the average prices of similar homes and can help a seller price and market a property correctly. Th at may add up to a faster sale and a better off er.Price it competitively:• Some sellers think the higher they price their home the more money they’ll get for it. Th e fact is, the longer an overpriced home sits

on the market, the less appealing it will appear to buyers. Give people what they want:• Buyers oft en prefer updated kitchens and bathrooms. Most buyers out there are not looking for “handyman specials.” Th ey want a relatively turn-key property. A kitchen or bathroom that is an eyesore can repel potential buyers. Home shoppers may be more inclined to go closer to asking price if some of the bigger-ticket items are already completed.Don’t be an open book:• If a buyer knows that time is of the essence or the home is “priced

to sell,” he or she may sense that desperation. Sellers shouldn’t let on too much about their reasons for selling or make it seem like they’ll be in dire straights if the home doesn’t sell quickly. Don’t be afraid to counter-off er:• A buyer who is excited to get an off er on a home in a slow market, but feels the off er is below value, should defi nitely counter-off er. While the buyer may not accept the counter, he or she may make another off er that is more to the seller’s liking.

Get the Best Price for your HouseWith sellers hoping to get the most possible for a home and buyers interested in spending the least, it’s sometimes a battle of wills when it comes to hashing out a confi rmed price in the world of real estate. Sellers who wonder whether they’ll struggle to get a good off er can hedge their bets in the right direction by employing a few strategies.


[email protected]“More than just a sign in the yard”

550-20395 Lougheed Hwy, Maple Ridge

Andy Wallace has lived in the Maple Ridge area for 38 years. When you’re looking for someone who knows the community and will help you move quickly, easily, and comfortably, Andy will be your personal guide.

More than justa sign in the yarda sign in the yardMore thhhhhhhhhhhan justMore thhhhhhan justAndy WallaceAndy Wallace

What to Bring to your Appointment with your LenderCourtesy Envision Financial, Ridge Meadows BranchTh e information below, can depend on the lender. To ensure you get the most out of this meeting, ask your lender in advance, what information they require so you come prepared.

Identifi cation1. Personal information such as number of independents and 2. marital statusProof of Employment3.

Salaried employeesa. Most recent pay stubi. Notice of assessment from Canada Revenue Agency ii. (this is what you get when you fi le taxes).Job letter from employer on company letterheadiii. Position and length of time with the organizationiv.

Commission/business for selfb. 3 years T1 general and NOAi. 3 years fi nancial statements (business for self)ii.

Details of your assets4. Carsa. Other propertyb.

Information on loans and other liabilities5. Credit card balances and limitsa. Child support or alimony amountsb. Car loans or leasesc. Lines of creditd. Other loanse.

Purchase agreement (new purchases)6. Investment statements7. Existing mortgage statements8. Most recent BC Assessment9.

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Donald LockwoodNotary Public

22369 Lougheed Highway, Maple Ridge BC V2X 2T3 Phone 463-7181 Fax 463-4770

www.donaldlockwood.com • [email protected]

Services providedConveyancing (property sales/purchases)• Notarizations • Wills/Powers of Attorney• Mortgages • (New/Refi nance) Subdivisions• Easement• Rights of way, etc.•

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Get Pre-approvedCourtesy Real Estate Board of Greater VancouverPre-approval of a mortgage is when your lender has reviewed all your financial information and has determined the maximum amount of money you can borrow. Th e advantages include that you:

Know how much you can borrow so you don’t waste • time looking at properties you can’t aff ord.Don’t have to worry about rising interest rates • while shopping for a home, as usually the lender will guarantee the current interest rate for a period of time while you’re looking.Save time when applying for a loan because • you’ve already assembled your paperwork.

Many banks and fi nancial institutions are competing for your business so it makes sense to shop around for a mortgage. Some lenders will reduce their posted interest rate so don’t be shy about bargaining. Your ability to bargain for a low rate and a fl exible mortgage will oft en depend on how much business you have with the institution. You can contact banks and credit unions directly, or work with a mortgage broker.


UNDERSTANDING YOUR

CREDIT REPORTCourtesy Envision Financial, Ridge Meadows Branch

A credit report is a snapshot of your fi nancial history at a specifi c point in time. It shows your previous and current debts and if you’ve had any problems in the past paying your debts. Every time you borrow money, make a payment on a loan or credit card, the lender reports the information about the transaction to two agencies—Trans Union and Equifax.

Before you will be approved for a mortgage a lender will look at your report, so it’s important you know what’s on your credit report and deal with any problems well before you are ready to get a mortgage. A lender will also look at your credit score, a number that represents your fi nancial health at a specifi c point in time and indicates the likelihood to pay off future debts.

It is important to understand your credit report as it affects all aspects of your fi nancial activities, including getting a mortgage. If you have not seen your credit report, you can get a copy. You can get it online or ask your fi nancial institution or lender to help you get a copy and to review it with you.

Maple Ridge & Pitt MeadowsLovely Homes, Quiet Streets, Great Neighborhoods

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RANDALL DIDIUK SRES ( Senior Real Estate Specialist) Realtor®

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Improving Your Credit ScoreCourtesy Envision Financial, Ridge Meadows BranchIf you’re thinking of buying a home and you’ve seen a copy of your credit report, consider your credit score. If you think it’s not as high as it should be, fi rstly make sure the information is correct. If it is correct, review your report carefully to fi nd out which factors are having a negative infl uence on your score, and work to improve them. Some tips to improve your credit score

Pay your bills on time.• Pay your bills in full by the due date. If this is not • possible, pay at least the required minimum.Pay your debts as quickly as possible• Stay within your credit card limit, if • possible well below your limitReduce the number of credit applications you make. • Your credit score may be impacted if too many lenders ask about your credit in a short period of time.Develop a credit history. You may have a low score • because you do not have a history of owing money and paying it back. Starting a credit history can be as easy as getting a low-limit credit card.

Open Versus Closed MortgagesCourtesy Envision Financial, Ridge Meadows BranchA mortgage term is the length of time your mortgage agreement will be in eff ect. At the end of each term you will need to renew or renegotiate your mortgage unless you are able to pay it off in full. Lenders frequently off er both open and closed mortgages. Open Mortgages

You can make prepayments • at any time, or even pay off the mortgage in its entirety without having to pay any penalty.Th e interest rate on an • open mortgage is usually higher, due to the fl exibility of the term mortgage.

Closed MortgagesYou cannot prepay, renegotiate or refi nance • during its term without paying a penalty. If you want to change your mortgage agreement during • the term, you will usually have to pay a penalty.Th e interest rate on a closed mortgage is • usually lower, given the reduced fl exibility compared to an open mortgage.


Tony Bell

604-671-7840www.tony-bell.com

Buying A Home?Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly-priced and in good condition before you start your search.

Selling A Home?My combination of skill, 20 years experience in the Ridge Meadows area, and technology ensures that I can sell your home for the highest possible price and in the shortest period of time. I have the tools to meet the demands of a highly competitive, modern market..

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Variable Rate Versus Fixed Rate MortgagesCourtesy Envision Financial, Ridge Meadows BranchChoosing a variable rate or a fi xed rate mortgage most likely will depend on your fi nancial situation and your tolerance for risk.

Fixed RateWith a fi xed interest rate mortgage, the interest rate is deter-mined when you apply for a mortgage and is set for the length of the mortgage term. Because the interest rate does not change, you know how much of your payment is going toward your principal and how much is going toward the interest owed. You also know in advance how much of your principal you will pay during the length of your mortgage term.

Fixed rate mortgages oft en appeal to borrowers who want stability in their payments, manage a tight budget, or are gen-erally more conservative. For example, young couples with large mortgages relative to their income may be better off opting for peace of mind that a fi xed rate brings.

Variable RateVariable rate mortgages may allow a borrower to take advantage of decreasing rates. Th e interest rate is calculated on an ongoing basis at a lenders’ prime rate minus, or plus, a set percentage. As the prime rate changes the interest rate on the mortgage changes.

With a variable interest rate mortgage, the amount of the payment may be fi xed or variable. For budgeting purposes some may wish to set a fi xed payment amount each month. If rates change, the payment amount stays the same, however the amount paid toward the principal and the interest varies.

It is important to discuss the pros and cons of both types with a lending professional to ensure borrowers make the right decision for their budget.

MORTGAGE PAYMENT TIPSCourtesy Real Estate Board of Greater Vancouver

Consider the following money-saving steps when calculating your mortgage payments:

By shortening your loan repayment or amortization period to 20 years from 25 years, you’ll pay your mortgage off fi ve years sooner. You’ll pay higher monthly payments, but you’ll build equity faster and you’ll pay less in interest over the long term. Apply for a prepayment option. If you receive one, you can directly pay down some of your principal before it’s due. Make sure to check for prepayment penalties. By paying biweekly instead of monthly, you’ll make 26 payments in a year or 13 months instead of just 12 months and reduce your amortization to about 20 years from 25 years.


Deb HogarthDeb HogarthUnlicensedUnlicensed

Aleesha HogarthAleesha HogarthAl HogarthAl HogarthAssociate BrokerAssociate Broker

THE HOGARTH TEAM

PROPERTY MANAGEMENTPROPERTY MANAGEMENTCOLDWELL BANKER TRI TEL PROPERTY COLDWELL BANKER TRI TEL PROPERTY

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Certifi ed LicensedServices provided are as follows:

Tenant SelectionCollecting monthly rents and security deposits

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For more information please call or email us at the numbers below

Rental Property ManagementReal Estate Marketing ServicesLand Development Consulting

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Trk. Rd.Maple Ridge

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Insurance for your HomeCourtesy Johnston Meier InsuranceFor most homeowners, a home is the largest asset they own, so it makes sense to protect it from things like fi re, theft and liability, to name a few. Make sure you take steps to insure your home eff ective on the earlier of either the completion date or the date that you pay the balance of the funds in trust.

You may want to consider photographing and/or videotaping your home and its contents so you have a record for insurance purposes. If you’re unsure of what to record, your insurance provider can give you some direction. It’s recommended you keep these records in a safety deposit box.

Homeowners should get their home insurance from a 1. licensed insurance broker. Insurance brokers have the expertise to assist clients in meeting their needs.Some things to consider when getting home insurance:2.

Value of the home - insurance brokers have tools that a. take the information about the home such as square footage, number of stories, bathrooms, type of fl ooring, fi replaces, etc. that help determine the replacement value of the home rebuilding cost, not the selling value or tax assessment value.All companies have Special Limit of Insurance for the b. following: Unscheduled jewellery, books, tools and instruments pertaining to a business on premises, money (cash) including cash cards, watercraft with motor and accessories, collections such as coin, stamps, bicycles, just to name a few.Understand any Exclusions under the policy, in other c. words, what is not covered.

Th e level of coverage that is appropriate is a Comprehensive 3. Form. Th is is called All Risk Coverage.Th ere are ways to save money on house insurance:4.

Have an alarm system installeda. Mature Citizens Discount (usually starts at age 50)b. Senior Citizens Discountc. Mortgage Free Discountd. New Home Discount (up to 10 years of age)e. Claims Free Discount.f.

Don’t forget if the value of your property increases, your coverage should as well. If you’ve upgraded or added contents, appliances or done a renovation, review the changes with your insurance provider to make sure you are covered.

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Th e key to creating a beautiful room is planning. You’ve invested a great deal of money in your new home so it may be worth it to consider an interior design consultation. Or you can get help from numerous experts in the community that can provide advice based on your own

ideas, such as paint, fl ooring, window covering, furniture etc. Some things to help with the process:Measure the dimensions of the room and create a sketch of the area using graph paper or computer soft ware. Be sure to plot any windows or doors on

the drawing so that you will be aware of obstacles.Homeowners unsure of what they want should browse through magazines or pictures on the Web for inspiration. Search for key phrases that describe your design style, such as Tuscan, farmhouse,

Create aCreate aDesignerDesignerLook forLook forNew HomeInterior designers have a knack for pulling together furniture and accessories to create rooms with widespread appeal.

youryour


country, colonial, etc. Th en read up on the components of these styles that defi ne it. Th is will help you select items that fi t with the style.Once a particular style has been chosen, create a design board just like the profes-sionals. Cut out swatches of fabric, select paint swatches, fi nd magazine pictures that fi t with your goal and arrange them on a piece of poster board. See how the items work together. If you are unsure of colours, see which shades were used in the inspiring picture and determine if it will coordinate with your home.When designing, identify or create a focal point in the room and build off of that. This may be a large window, fireplace, or even the entertainment center if it’s a family room. Place furniture around the focal point and then move outward.It’s also important to keep scale in mind. Large walls or tall ceilings will create plenty of wall space. A small print or wall hanging will be lost in such an area. Be sure to choose furnishings and acces-sories that fi t with the scale of the room. In other words, a huge sectional may overpower a small living room. If you’re

investing in new furniture take the map of your room with you and review it with the expert at the store. When choosing colours, make sure they are cohesive. Research the colour wheel that artists use to help with designing the room. Some colours are complementary or opposites and still work together. Homeowners nervous about colour should choose a colour from fabric or furniture and use a few diff erent shades of the same colour in the room. Select an accent colour that can be used on trim or as a spot of colour on a pillow or accessory. Again, don’t be afraid to consult an expert at the paint store.When plotting wall hangings or other decor, odd numbers often look more pleasing to the eye. Experiment with different sizes of framed artwork or diff erent shaped accessories for visual appeal. For example, a few rectangular shaped items with a circular clock and a conical fl ower vase can mix it up in the room. Th is is where looking at magazine layouts can be extremely helpful.Many stores sell items that mimic the look of higher-priced items. When

copying a designer room, select pieces that are similar, but not necessarily the same brands. Consider shopping at second-hand stores or antique shops for discounted pieces. With a little new fabric or stain, many items can look like new again.When designing, it never hurts to think outside of the box. Items that were intended for outside may work well inside as well. Hanging lanterns or plant stands could be put to use in a rustic room. Save some money by making some items yourself. For instance, if you cannot fi nd a particular throw pillow or drapery that fi ts with your style, go to a fabric store and purchase fabric to make your own.Decorating doesn’t have to cost a fortune or look like you pieced odd items together. By following the guidelines of a designer room and selecting lower-priced items that mimic the shape and scale of similar accessories, it’s possible for any homeowner to create a room for less.

22381 Dewdney Trunk Road, Maple Ridge

• Mon - Sat 9 am - 5:30 pm, • Sundays 11am - 5pm 604-467-3897604-467-3884

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No obligation quotes

Days, evenings & weekends

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Store Hours:Monday - Friday 8 am - 6 pm

Saturday 9 am - 5 pmSunday and Most Holidays

10 am - 5 pm

Bare Interiors Inc.22602 Lougheed Hwy.Maple Ridge604-467-3241

At Benjamin Moore®, we treat you to a more personal experience.

So come fi nd inspiration

mapleridgebenjaminmoore.commapleridgebenjaminmoore.com

Updating your kitchen or bat hroom ca n increase resale value, but investing in the systems that make your home comfortable and energy effi cient will also have an excellent pay off in the long term through energy savings, and in the short term through the thousands of tax-free dollars available through current government grant programs.

Wi ndow s a nd do or s , insulation and heating and cooling systems are the three most important products your home needs to ensure the greatest comfort and

energy savings, especially with today’s increasing energy costs. Th ey ensure the greatest savings while you own your home, and are a great selling feature for future buyers looking to invest for the long-term.

Replacing your old alu-minum-frame windows with vinyl windows will keep you cooler in the summer and warmer in the winter, and save money on your energy bi l l . High-qua l ity v inyl windows feature energy- and sound-abatement chambers, which reduce temperature and sound transfer between

Buying, selling or staying:Getting the best value from your renovation

Courtesy Ecowest Renovations

If you’re considering renovating, it can be tempting to choose to invest in the “pretty” upgrades, but when it comes time to sell your home, you may realize that those kinds of renovations aren’t the only ones that pay off.


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Heated and Individually Alarmed Units Available

the inside and outside of your home. Having the ven-tilation system evaluated and upgraded if necessary can also help ensure that there are no problems with moisture or condensation, which promote mold and mildew in the home.

Attic and basement insu-lation is another underrated champion of home energy-efficiency. Years ago when gas and electricity costs were substantially lower, the solution to a cold home was to simply turn the heat up. Unfortunately, the cost of “turning the heat up” has become a major expense for many homeowners today. In many cases, the solution is to simply upgrade your home’s basement and attic insu-lation. Insulation remains one of the best investments a homeowner can make and

can help save as much as 30% on energy bills.

And don’t forget your heating and cooling systems! A high-effi ciency furnace or heat pump can save hundreds or even thousands of dollars a year in utility costs and create a much more comfortable home, no matter what the temperature is outside. Most high effi ciency furnaces are smaller and quieter than the units they replace, and a heat pump can provide efficient heat in the winter as well as cooling in the summer instead of a traditional air conditioner.

Whether you are buying, selling, or staying, your home is your biggest investment—so renovate wisely. There’s no better payoff than a com-fortable, cost-effective and energy-efficient home; one that buyers will see as a great long-term investment.

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Kris MugridgeUGRIDGE

REAL ESTATE GROUP

Your Local Real Estate Specialist!

Coldwell Banker Tri-Tel Realty22519 Dewdney Trunk Rd., Maple Ridge, BC, V2X 7X7

604-612-7819

To View all my properties and getFREE Valuable information please visitwww.krismugridge.com

We never stop moving.®

Dream Home FeaturesIf you were given a chance to design a dream home, what features would you choose first? Take a look at the most popular wish list in 2011:

Curb appeal. Home exterior, driveway, and 1. landscaping must attract admiring attention.Maximum energy effi cient throughout, 2. from top to bottom.A large, designer kitchen with natural stone countertops 3. and futuristic appliances, cabinetry and waterworks.Natural hardwood fl ooring like Brazilian 4. cherry and sustainable bamboo.A sunroom, a front porch, and a backyard fi nished patio.5. Vessel sinks, or freestanding bowls above the bathroom 6. countertop, accompanied by wall-mounted faucets.Bedroom walk out or balcony.7. Designer bathtubs and walk-in shower with tile, 8. a seating bench and rainfall showerhead.

Your source for local real estate.Every Friday, the Maple Ridge News offers an in-depth real estate section

for Maple Ridge & Pitt Meadows.

Up to date information for buyers & sellers.

BIG VALLEYSince 1986

HEATING & SHEET METAL LTD.11868 216th Street, Maple Ridge 604-467-6474

Optional Gold Arch Overlay with SKCAB surround

Optional Nickel Square Overlay with SKBAB surround

ARCHGARDF I R E P L A C E P R O D U C T S

SAVE $200 ON ARCHGUARDINSERTSBuy a direct vent insert and receive the surround

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PHONE: 604-463-2052 • nikuladesigns.com • EMAIL: [email protected]

Inspired design is timeless

Nikula Designs offers:

Nikula Designs

• Colour consultations• Home renovations• Project management• 3 levels of service based on how

involved a client wants to be

Visit our website to see how we can help you.

Amortization—Th e number of years it takes to repay the entire amount of a mortgage.

Appraisal—An estimate of a property’s market value, used by lenders in determining the amount of the mortgage.

Appreciation—Th e increase of a property’s value over time.

Assessment—Th e value of a property, set by the local municipality, for the purposes of calculating property tax.

Assumable Mortgage—A mortgage held on a property by the seller that can be taken over by the buyer, who then accepts responsibility for making the mortgage payments.

Closed Mortgage—A mortgage that cannot be prepaid, renegotiated or refi nanced during its term.

Closing Costs—Expenses in addition to the purchase price for buying and selling a property.

Closing Date—Th e date on which the title and keys to the property are transferred from the seller to the buyer, and the money is paid.

Conventional Mortgage—A mortgage loan that does not exceed 80% of the lending value of the property.

Counteroff er—One party’s written response to the other party’s off er during the negotiation of a real estate purchase between buyer and seller.

Credit Report—A snapshot of your credit history and one of the main tools lenders use to decide whether or not to give you credit.

Credit Score—A numeric rating that is a refl ection of your fi nancial health at a specifi c point in time indicating the risk you represent to lenders.

Debt Service Ratio—Th e percentage of a borrower’s gross income that can be used for housing costs, including mortgage payment and taxes.

Deposit—A payment made when you make an Off er to Purchase to show that you are a serious buyer. Th e deposit will form part of your down payment.

Down Payment—Th e part of the purchase price of a property that the buyer pays in cash and does not fi nance with a mortgage.

Equity—Th e diff erence between the price for which a property can be sold and the mortgage on the property.

Fixed Rate Mortgage—A mortgage for which the interest rate does not change for the length of the mortgage term.

Glossary of Terms

604-250-8375 [email protected]

Nathan Isherwood

Expert mortgage advice anywhere, anytime.

na

Mortgage advice you can’t afford to miss out on.

When you are• Purchasing real estate• Renewing your mortgage• Needing equity


Helping you decideon the mortgage planthat fi ts you best.

• Purchasing, Renovating or Interested in Transferring your Mortgage

• Compare your current Mortgage Rate. You might be surprised how much you save.

• Take advantage of today’s record low rates.

Carmela BustoVancity Mortgage Specialist

604.787.2237 [email protected]

Foreclosure—A legal process by which the lender takes possession and ownership of a property when the borrower doesn’t meet the mortgage obligations.

Gross Debt Service Ratio—A general rule is that your housing costs (mortgage payments, taxes, heating) should not be more than 32% of your gross monthly income.

High Ratio Mortgage—A mortgage that exceeds 80% of the loan-to-value ratio; must be insured by either the Canada Mortgage and Housing Corporation or a private insurer to protect the lender against default by the borrower who has less equity invested in the property.

Interest Rate—Th e return the lender receives for advancing the mortgage funds required by the borrower to purchase a property.

Interest—Th e cost of borrowing money.

Joint Tenancy—A form of ownership in which two or more individuals (oft en spouses) have an equal share in the ownership of a property.

Lien—Any legal claim against a property, fi led to ensure payment of a debt.

Listing Agreement—Th e contract between the listing broker and an owner, authorizing the REALTOR® to facilitate the sale or lease of a property.

Listing Broker—Th e REALTOR® who signs a contract with an owner to sell the property.

Mortgage Broker—A person or company having contacts with fi nancial institutions or individuals wishing to invest in mortgages.

Mortgage Default Insurance—Government-backed or privately-backed insurance protecting the lender against the borrower’s default on their mortgage.

Mortgage Payment—Th e regular installments made towards paying back the principal and interest on a mortgage.

Mortgage Term—Th e length of time a lender will loan mortgage funds to a borrower. Most run from six months to fi ve years, aft er which the borrower can repay the balance of the mortgage or renegotiate the mortgage for another term.

Mortgage—A contract between a borrower and a lender. Th e borrower pledges a property as security to guarantee repayment of the mortgage debt.

Open Mortgage—A mortgage that can be prepaid or renegotiated at any time and in any amount without penalty.

Pre-approved Mortgage—Tentatively approved by a fi nancial institution for a specifi ed amount, interest rate and monthly payment.

Principal—Th e mortgage amount initially borrowed, or the portion still owing on the mortgage. Interest is calculated on the principal amount.

Term—Th e period of time your mortgage agreement will be in eff ect. At the end of the term, you either pay off the mortgage in full, renew it or renegotiate it.

Title Insurance—A lender, lawyer or notary may suggest you get insurance covering the loss caused by defects of title to the property.

Title Search—A detailed examination of the ownership documents to ensure there are no liens or other encumbrances on the property and no questions regarding the seller’s ownership claim.

Title—Legal evidence of ownership of a property.

Total Debt Service Ratio—Th e maximum percentage of a borrower’s income that a lender will consider for all debt repayment including a mortgage.

Variable Rate Mortgage—A mortgage for which payments are fi xed, but whose interest rate changes in relationship to fl uctuating market interest rates. If rates go up, a larger portion of the payment goes to interest. If rates go down, a larger portion of the payment is applied to the principal.

Glossary of Terms

Email or call:Offi ce: 6 0 4 . 4 67. 3 87 1Direct: 778 . 2 3 5 . 0 5 4 9Email: p a m e l a @ p a m e l a d a n z . c o m

Satisfaction GuaranteedWhen you make the important decision to buy or sell a home, I’m committed to going the extra mile to ensure that all of your needs are successfully met in a professional and honest manner. For Service and Commitment, let me help guide you with your next purchase or sale.

PamelaDANZ


Helping you find the BEST HOME in MAPLE RIDGE and the

LOWER MAINLAND

www.jeremymccarthy.ca

“Jeremy has exceeded my expectations for a realtor. His knowledge of the market and his strong work ethic took the worry out of buying and sell ing my home. I would highly recommend him to anyone I know looking to buy or sell a home!”

Shawn T.

“Jeremy was excellent. He demonstrated a real knowledge of the industry. He was simply great! As this was my first t ime purchasing a property, he offered advice and wisdom that made the whole process easier and more enjoyable. I would without hesitation recommend him to my family and friends.”

Christian K.

“Jeremy had great marketing ideas that helped sell our townhouse faster than any other one in the complex. He was extremely friendly and hard working. He gave us really good advice which helped us in making our decision on which house to move to. We couldn’t be happier. We have already and will continue to refer him to everyone we know.”

Chris P & Tina M.

Testimonials

Clients’ referrals are the best measure of success.

Living in Maple Ridge for the past 25 years, coaching, playing sports and working in the area means I understand the community and all that it has to offer.

Jeremy McCarthy [email protected]

Brookside Realty11933 224th St., Maple Ridge

Documents

Maple Ridge News, September 25, 2011