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3 Things I wish Someone Told me as a First Time Home Buyer

November 10th, 2017 by hintonhouses

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3 Things I Wish Someone Told Me as a First Time Home Buyer

Wondering if it may be time to buy your first home? Take a look at this before you get started.

As I approach my four year “homeaversary” I decided to take a moment to reflect on all that I had on my mind as my husband and I prepared to make the biggest purchase of our lives. Here are some of the things I wish I had known sooner that I hope will help you, or someone you, know on their journey toward home ownership.

You Don’t Pay The Agent’s Commission as the Buyer

So many first time buyers wonder, “do you have to pay a real estate agent if you are buying a home?” For some, the thought of having to shell out extra cash when they are already doing all they can to save for their down payment is enough to make them walk away from the entire process before they even get going. Many are surprised to find out that the answer is actually no. A home buyer does not pay their agent, rather the agent earns their commission from the seller side of the transaction.*

Need help finding an agent? Take a look here.

Focus on Your Monthly Mortgage Payment, Not the Entire Thing

Getting pre-approved for a mortgage is generally the first step you should take as a first time buyer. A common mistake that people often make is focusing on the total price of the home they can afford instead of the monthly payment they will be making. You may get approved for a $350,000 home, but this may not necessarily be what you can truly afford. Think of the amount your advisor suggests you can afford as a range. There is a high end and a low end and it is your job, not the mortgage advisor’s, to figure out what you are comfortable paying each month. It is crucial that you work with your advisor to understand how your down payment amount, credit, and the current mortgage rate affect your monthly payment.

Make the Jump!

To steal a line from Nike®…Just Do It! From agonizing over the down payment to finding the “perfect” home there are a ton of moments in the first time buying process that are going to make you feel nervous. Know that it is natural and that similar to having a baby, there is never really a 100% perfect time. You are always going to wish you had more money in the bank, hope that the home had a backyard that was just a little bigger, or that you were just a little more sure what direction your life will be taking in the next 5-10 years. My advice: if you feel comfortable with the payment, love the location and “bones” of the house and will feel proud to make this house a home, then take the leap and don’t look back. That’s what we did almost four years ago and it was one of the best decisions we ever made.

*As with anything exceptions may apply. One example where this may change is a For Sale By Owner (FSBO). To be certain of what the payment structure will be, speak with your agent as soon you begin working to discuss payment/commission.

FREE FAMILY DAY EVENT FEB 16, 2015

February 6th, 2015 by hintonhouses

Coldwell Banker Jasper-Hinton Realty is happy to announce we will be offering their annual  free skate, swim, rock climbing at the Dr. Duncan Murray Rec centre in Hinton, AB.  from 1-4 pm on Family Day, Feb 16, 2015

Please stop in and entry our draw for an adventure day in Jasper, AB. Last year a lovely family enjoyed the day rafting the Athabasca River in Jasper and a tram ride to the top of Canada’s longest and highest aerial tramway in Jasper National Park.

 

Coats for Kids 2014

February 6th, 2015 by hintonhouses

Good day, thank you to the Hinton and area, for support for Coats for Kids. Over the eight weeks we were able to share 365 coats and 211 people benefitted from them. Thank you again Hinton businesses, volunteers and Coldwell Banker for collection and storage of the items! We were overwhelmed with the generosity and kindness of you all. See you in the Fall 2015

The Winner of Our Coldwell Banker Family Day Jasper Adventure Draw

March 12th, 2014 by hintonhouses


 CONGRATULATIONS (and maybe even a WhooHoo) to
James McKay. James is the door prize winner of a family day of Jasper Adventure fun sponsored by Coldwell Banker Jasper-Hinton Realty.

James will get to take his family rafting in Jasper and then go up the Jasper Skytram for what we hope is a really memorable day! Congratulations to James!

 

 

FREE Family Day Event

February 10th, 2014 by hintonhouses

Coldwell Banker Jasper-Hinton Realty is hosting a FREE family day event with free swimming,skating and climbing at Hinton’s Recreation Centre Feb 17, 2014 between 1pm-4pm. Please call or message me if you would like tickets.

Welcome to 2014

January 15th, 2014 by hintonhouses

Hope the new year has brought many good tidings and health to you all. The Coats for Kids program has wrapped up and we at Coldwell Banker Jasper-Hinton Realty would like to extend a huge thank you to all the people that donated, cleaned and help make this program run!

Total coats donated 477

Total people to shop for coats 229

Total coats gifted 209

We are in the process of finding a permanent home for this service, if anyone has any suggestions please forward them on to myself.

Thank you to the following people for all their support:

v  Coat Donors (thank you for sharing!)

v  West Rock Cleaners (thank you for donating all coat cleaning services!)

v  Coldwell Banker Jasper-Hinton Realty

v  Family and Community Support Services

v  Taher Lookmanjee

v  Sharon Rooneem

v  BRIDGES

v  The Eagle Radio

v  The Share Shop

v  The Doo Drop Inn

v  Bonnie Armstrong

v  Candace Pambrun

v  Brooke Alden

v Marina Carl(Coldwell Banker Jasper-Hinton Realty)

On a real estate note, Hinton, AB was mentioned to be the TOP 3 neighbourhoods to watch( along with Calgary and Bonnie Doon in Edmonton)  in the January 2014 Canadian Real Estate Magazine(canadianrealestatemagazine.ca). The article goes on to say “Hinton is enjoying a construction boom on the proposed $1.5 billion thermal mine. Over 2,300 workers and families are expected to descend upon Hinton in the coming years.”

With that note, there is never a better time to buy a home in Hinton or the surrounding area- let me find your perfect home for you and your family. We at the Coldwell Banker Jasper-Hinton Realty office have many years experience in real estate that can make buying or selling home an enjoyable exciting reality.

Coats for Kids Last Few Weeks

December 6th, 2013 by hintonhouses

Tis the season of giving and receiving…..and thank you Hinton, AB for your generous support of all the coats, boots, mitts and scarve donations. There has been an overwhelming support of the campaign, as it is in the last few weeks.  Coats will be available for two more Tuedays until December 17, 2013 from 6-8 pm at the old Rexall Drug store on 111 Government Road. Thank you to West Rock Dry Cleaners(formerly Coin Spin), F.C.S.S. and the numerous volunteers who have helped support this program

 

 

Snow Flake Parade

November 27th, 2013 by hintonhouses

On Friday November 22, 2012 Pat, Dennis Olver, Melissa Hicks, myself and our families participated in the snow flake parade here in Hinton, AB by entering a float and thanking people of our community by handing out hot chocolate to the participants and chilled  spectators. It was a daunting task walking and greeting people, but we at Coldwell Banker Jasper-Hinton Realty were thrilled to participate and keep people happy! Thank you to the Chamber of Commerce for organizing such a great event!

Coats for Kids in Hinton, AB

November 19th, 2013 by hintonhouses

Donate a gently-used , clean, quality winter coat! (all sizes welcome)

Families with limited resources are in need of winter jackets. Many families continue to deal with sharply rising living expenses, and simply don’t have the means to purchase the clothing needed to stay warm during the Alberta’s harsh winters. The most vulnerable among them are children!

Drop off coats to our office between 8 am-5 pm at 101 Athabasca Ave, Hinton, AB. Coat donations will be accepted till Dec 13/13.

Obtain a coat at Old Rexall Drugs at 111 Government Road. Coats will be available to the public on Tuesdays from 6-8 pm until Dec 17/13.

Thank you to West Rock  Dry Cleaners for their generous donation of their cleaning the coat donations and to F.C.S.S. for their continued support.

Welcome to my new blog!

November 15th, 2013 by hintonhouses

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Welcome to my new blog! I look forward to sharing new and exciting updates about the Real Estate Market and what is happening around town! Stay tuned for new posts coming soon!

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