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Featured Property

$148,000.00

43 MARION AVENUE Parry Sound ON

Great location just 3 houses to water. Upgraded 3 bedroom, 1 bath family home. Many renos have been done. Roof 2006; extensive bathroom renos in 2006 & 2011; kitchen upgrading 2011; freshly painted throughout, interior & exterior; upgraded insulation upstairs; oil tank & water heater & living room window. Come see for yourself! File #297

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For Buyers
Experienced home buyers know just what to look for in a property. Here are some great tips for a smooth search.
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First Time Buyers
Buy smart with a step-by-step first-time buyers guide to figuring out how much you can afford, finding the right home, making an offer, and more.
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For Sellers
Whether you’re moving up or moving on, here are some basic tips from REALTORS® who know what it takes to make a property appeal to prospective buys and sell it fast.
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Think BOYD is your real estate resource
Whether you’re buying or selling, we can help you with all your real estate needs. We are experienced professionals who knows the area well and can help you negotiate the best possible price. We’ll offer you sound advice, and can connect you with the best home-related suppliers in the business.

We’ve been helping our clients buy and sell homes for a number of years. Give me a call at 1-877-586-4913 today at for a free, no-obligation -consultation.

Use my web site as a tool
My site is filled with useful information. Search properties for sale, calculate potential mortgage payments, get advice for buying or selling your home, find information about local schools and more. And if you have any questions, please call me any time at 1-705-746-5844.


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Mortgage Shopping Made Easy
If you’re like most people, you probably feel like shopping for a mortgage can be about as much fun as getting a root canal. But it doesn’t have to be that way. Here are some basic steps you can take to ensure that you find a mortgage that works for you.
Check your credit
Get a copy of your credit report from Equifax.com (or a similar service). Double-check every item listed and if there are any errors or omissions, contact your credit bureau to change them. How’s your score? One way to improve your rating is to pay off any outstanding credit card debt.
Do the math
Now that you have an idea of how much you owe, gather up all of your information on your assets (your current home, investments, stocks, bonds, other properties) and add them up. Hint: it’s best when you own more than you owe. There are plenty of calculators online that will help you make sense of the numbers and give you a preliminary idea of the mortgage amount you qualify for.
Prequalify
Meet with a bank or lender. They’ll ask you some questions that may point out some things you missed in your initial estimate, like liabilities – or assets you didn’t realize you had. Using all this information, they’ll give you a rough estimate of how much you can borrow. However, this informal process isn’t a guarantee or a pre-approval. It’s simply a way to help you gauge the properties you can afford and figure out if you’re ready to make this type of financial commitment.
Learn the lingo
Familiarize yourself with mortgage terms and options by doing your homework. Talk to your REALTOR®, ask friends and family and check out all the websites and articles that have this info about amortization periods, the benefits of fixed or variable rates and more – there are lots of them.
Choose a lender

A mortgage is one of the biggest financial commitments you can make, so it pays to shop around. Even if you have an excellent relationship with your bank, there’s no harm in exploring the option of obtaining financing from another company.

Many homebuyers have found financing online, whether it’s through a mortgage finding service or a bricks-and-mortar institution. You don’t have to leave your home to do it, and you can shop 24/7. The downside of doing it online is that lacks a personal touch – you may miss out on an option that you might have come across by talking to someone in person.

If you’re pressed for time, a mortgage broker can do your “shopping around” for you, and find the best rate available. Before choosing a broker, make sure he or she isn’t affiliated with a specific bank or lending institution.

Get pre-approved
Getting mortgage pre-approval is similar to pre-qualifying, but the result is an approval from a lender for a specific amount, locked into an interest rate for a period of time (normally 90 to 120 days).
So there you have it—the simple steps to get you closer to a mortgage that not only works for you but also gets you into the home of your dreams.
Trademarks owned or controlled by The Canadian Real Estate Association. Used under licence.
 
Claudette Boyd

Claudette Boyd

Broker

P: 705.746.5844
C: 705.774.4936

claudetteboyd@royallepage.ca

Royal LePage Team Advantage Realty - Brokerage, Brokerage

49 JAMES STREET Parry Sound, ON

Nicole Boyd

Nicole Boyd

Broker

P: 705.746.5844
C: 705.773.8365

nicoleboyd@royallepage.ca

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