Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Realtor Clark Dziadyk Gives Tips on How to Get Into Today's Housing Market

Whether you’re buying a house for the first time, the second or the seventh time, it’s still one of the biggest decisions you ever have to make. In order to ensure sheer success, you need a Trusted Saskatoon Realtor like Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Clark puts 100% effort into everything he does.

 

Read what clients have to say about Clark Dziadyk hereClark Dziadyk is 'The Realtor in Your Neighbourhood'


Trusted Saskatoon Realtor Clark Dziadyk explains some tips from a recent online blog. Here are some tips on how to get into today’s housing market:


Tips to Get into Today’s Housing Market from Trusted Saskatoon Realtor Clark Dziadyk




# 1 Become a Landlord


Most people don’t know that if you buy a home that contains a rental unit, the income from that unit can help you to qualify to get a mortgage. For example, if you were to buy a home with a basement suite, you can rent out the basement. For maximum income, you could even live in the basement suite yourself and rent out the upper portion of the house.

In order to cut costs, even more, you could look into doing renovations to the rental yourself, which is, of course, more work but it could save you lots of money in the end. Rental spaces are definitely worth exploring! You can always run the numbers on purchasing certain properties with rental spaces in them to determine the best possible outcome for you. Worried about irritating and irrational tenants? Or dealing with the regulations that come with renting out a portion of your home? Concerns such as these can be dealt with by screening tenants during application processes. Make sure to check out the Government Canada website for regulations that need to be followed.


# 2 Go in With a Partner (or a few)





A huge way to cut costs would be to split everything between you and another or a few people! Let’s be honest, these days it’s becoming common for couples to find themselves living with other couples! To make this happen, you must first choose a worthy partner. Whether it be a few siblings sharing a house, a couple friends splitting a condo well you get the idea! You may be able to split the bills, monthly payments and the havoc of a down payment with one or more people! A few things need to be in place in order for this process to work! Like well-chosen partners, a draft of a co-ownership agreement drawn up by a lawyer that spells out all of the rules, and a system for communication between partners to make sure that everything moves smoothly. Communication between housemates is key, especially in preventing miscommunications and conflicts.

Another alternative in order to lessen your stress is to consider co-ownership opportunities. These allow you to buy shares of a company that owns the property, or to buy a small ownership percentage of the property. By doing this, it grants you specific rights to a unit itself. 


# 3 Consider Using Your RRSP


As a first time homeowner, you have written proof that you plan to build or buy a new home and you have money in your RRSP. As a Trusted Saskatoon realtor, Clark Dziadyk can help you with all of your pre-ownership needs! You may be able to use the RRSP Home Buyer’s Plan to get your hands on a tax-free down payment. However, if you are helping a relative with a disability through this process, you also qualify! The Home Buyer’s Plan allows each spouse to withdraw $25,000 to purchase a house. The only downfall is that you need to pay the money back to your RSSP in annual payments within 15 years. Any amount unpaid within that timeframe will be subject to income tax.

Tax-free money homeownership looks pretty good, doesn’t it? Or at least being able to start off your homeownership using tax-free money is. Depending on your individual tax bracket, it could be like having almost twice as much money at your disposal. You just cannot forget about those annual repayments in your new budget. 


#4 Make MORE Money


This is always the end goal in life now-a-days isn't it? 

Home prices seem to be increasing but that doesn’t always mean that your income is. An obvious solution is to make more money; however, this is easier said than done. Here are some approaches that can be taken:

The quickest approach is to ask for a raise at work. This can be a lot to ask, but it doesn’t always have to be. Communicating to your boss that you’re looking to settle down and buy a home (first time, second, upgrade, etc.) and what income level you’re striving for in order to make it happen, you could persuade them into giving you the raise you are looking for! In the end, asking for a raise is like a sales pitch. You are selling yourself by describing the situation, your goals, how to leverage your strengths, and ultimately asking for the raise itself. Whether you believe it or not, employers are people! Generally, people like to be as helpful as they can towards others. Sharing personal stories always have a measure of relatability to them, and more often than not they work better than pure logic.

On the other hand, if you’re willing to open yourself up to new opportunities, there is no harm in looking into another job. Shop yourself around and see if you are truly earning what you should be in your career marketplace. You will surprise yourself and may open new doors to new job opportunities in your field. Increase your network and speak to recruiters, you may find the job that you’ve been looking for that increases your income!


# 5 Relax


Let’s be honest, you’re not getting any younger. You want to be a homeowner! The whole process can be very stressful for a person. In order to relieve stress, you should consider using a Trusted Saskatoon Realtor such as Clark Dziadyk!

You need to make sure you’re ready before you become a homeowner! The right house will come along, it always does! Clark can make sure that you find your dream home! We live in a real-estate obsessed culture, but the relationships you build with family and friends will be the real key to your happiness in the long run. 

Set goals for the next few years of where you want to get to and take it one goal at a time. Write out your plan for home ownership and hold yourself accountable to it! Meanwhile, take a deep breath, relax, sign up for a yoga class and don’t rush things. You will be a homeowner one day! Believe it!








This article was adapted from Zoocasa.


CLARK DZIADYK, The Associates of Ron Baliski Realty Inc. Coldwell Banker and he is 

a Trusted Saskatoon Realtor. You can find him at 1322 8th Street East Saskatoon! View his Facebook page here!



           

Thinking of Selling Your Home? Trusted Realtor Marla Janzen Has You Covered

Marla Janzen is an award winning SASKATOON REAL Estate expert she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. 

Marla Janzen is a  TRUSTED SASKATOON REAL ESTATE EXPERT listed on the SASKATOON DIRECTORY and she loves to provide Trusted Saskatoon real estate Tips that help the public!


Thinking About Selling Your House? Use Trusted Saskatoon Realtor Marla Janzen


Selling your home?

Overwhelmed with the multitude of options available to you to sell a home? Are you unsure of how to determine a fair and accurate market price?Do you just want to get the best price for your home AND sell it in a reasonable amount of time?

If you answered YES to any of these questions, it sounds like you need the help of MARLA JANZEN!

Marla not only has the experience needed to sell a home in the current market, but she is also committed to providing superior customer service. Choose to work with Marla to sell your home and see what it’s like to have a stress-free selling experience.

Marla’s Selling Process Includes:


- Establishing correct pricing for your home: 


  • When potential buyers look to obtain financing, the appraised value of your home is taken into consideration by their lender. A Trusted Saskatoon Realtor like Marla has access to the same database as appraisers to determine your property value so she can price your home right from the beginning. 
  • Marla factors in information on similar properties in your area, homes with the same square footage, and other comparisons to value your home.

- Making your home attractive to buyers:


  • First impressions matter, and Marla wants potential buyers to imagine themselves in your home, making it their own.
  • Marla works with a professional photographer to get the best quality pictures of your home



  • She will do a run through of your home room by room to get it 'sale ready' by providing that expert opinion and design eye and give tips and tricks for reducing clutter, moving furniture around, etc.
  • Marla also works with a professional home staging company who she will happily recommend to you if you want to do a full stage of your home to sell it! 

- Marketing of your home:


  • Marla creates and manages the listing of your home on mls.ca which reaches a large pool of potential buyers.
  • Marla is part of Trusted Saskatoon, a local directory of trusted businesses and was their first real estate partner who came on board when the directory launched in 2011.

- Providing top quality customer service:


  • In every contact, Marla works hard to ensure you're completely satisfied. She handles the coordination of viewings that work for you, open houses that make sense, all with the goal of finding the right buyer for your home. 

  • As part of Trusted Saskatoon, Marla is contractually obligated to uphold the Trusted Guarantees, and that includes committing to providing excellent customer service. 
Read what Marla's Clients Have to Say About He

“Marla continues to be a superstar. This is our third home that she has helped us purchase and always goes over and beyond any expectations we have. I couldn’t imagine that anyone would want to use any other realtor in Saskatoon and area to help them buy or sell their largest investment! Thank you, Marla Janzen. You rock our world! Marla continues to work past possession to help ensure every detail of the contract is adhered to. Top notch quality and effort. What would we do without Marla!” The Dale's

To read more testimonials about Marla Janzen, view her listing HERE

Find Marla Janzen Online at www.marlajanzen.com   she is a Century 21 Fusion Realtor an Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT


Buying a home? Work With Trusted Saskatoon Realtor Marla Janzen!

Marla Janzen is an award winning SASKATOON REAL Estate expert she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. 

Marla Janzen is a  TRUSTED SASKATOON REAL ESTATE EXPERT listed on the SASKATOON DIRECTORY and she loves to provide Trusted Saskatoon real estate Tips that help the public! 

Considering buying a house in the near future? Whether it be a first home, upgrade, downgrade, or whatever the reason Marla Janzen can sell you the house you've been dreaming of!

Buy a House From Trusted Saskatoon Realtor Marla Janzen


You will not be disappointed from an experience to work with Marla Janzen while buying a home! You can listen about what clients had to say about Marla on her listing here.

Ask Yourself A Few Questions:


Are you hunting for the perfect home?

Do you find it hard to keep up with the new properties on the market?

New to the city and don't know what area to buy in?

If you answered YES to any of these questions - you need to call Marla Janzen AS SOON AS POSSIBLE!



Whether this is your first time buying a home, or you're an experienced buyer, using a Trusted Saskatoon Realtor like Marla means you've got someone who has your best interests in mind. 





Buying a Home From Marla Means You Have a Trusted and Experienced Agent Who:


  • Finds and researches all properties that you're looking for that meet your criteria - even the ones she isn't the selling agent for.
  • Arranges viewing appointments with sellers and their agents that work around your schedule.
  • Negotiates offers on your behalf.
  • Provides you with trusted and reliable recommendations for other services needed during purchase like a lawyer and mortgage broker. 


Did You Know?

Marla will pull a list of all houses available on the market that suit your needs from multiple sources. She can then represent you so you don't have to contact multiple agents to view the properties they have for sale!









Find Marla Janzen Online at www.marlajanzen.com   she is a Century 21 Fusion Realtor an Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT


Trusted Saskatoon Partners Support Big Brothers Big Sisters of Saskatoon

The Trusted Saskatoon Directory team  is proud to support many different community initiatives including this event that two of our Trusted Saskatoon Partners supported! Ricky Iula, Decora Homes Ltd. and Kari Calder, Century 21 Fusion both participated in the Celebrity Bartending Challenge on April 11th at Congress Beer House in Saskatoon in support of Big Brothers Big Sisters.

Local Bartending Challenge in Support of Big Brothers Big Sisters Saskatoon

On April 11th at Congress Beer House in Saskatoon Ricky Iula and Kari Calder showcased their bartending skills and sold their signature cocktail to raise money for this great cause! It was a wonderful evening raising awareness of the importance of positive mentors and supporting youth in our community.

Ricky Iula from Decora Homes Ltd. stepped up in a HUGE for Big Brothers Big Sisters and raised $21,825 earning him the top fundraiser award and bragging rights! Ricky set a goal and exceeded it by reaching out to his amazing team, suppliers, family and friends for support! Ricky puts a 110% into everything he does including the stunning custom homes they build for their clients.



Kari Calder, Trusted Saskatoon Realtor showed off her bartending skills at the Local Bartending Challenge and earned herself the best cocktail award for her Dirty Flamingo! She also raised money for STARS ambulance with every flamingo cup sold and donated hundreds of dollars to Big Brothers Big Sisters of Saskatoon! Kari is a multi-award winning realtor and she truly cares about the Saskatoon community!



Big Brothers Big Sisters of Saskatoon and Area's mission is  "Every Child in Canada Who Needs a Mentor, Has a Mentor." This year alone Big Brothers Big Sisters of Saskatoon will change lives for more than 600 children and youth in Saskatoon helping to support them to be more confident, feel secure and become leaders. Many children and youth in Canada struggle with societal barriers and face adversities in their lives. This organization is there to support them by providing positive mentors and experiences. Thank you both for your contributions at the event to support this great organization!



Whether you are looking at custom building or buying/selling these two amazing Trusted Saskatoon Partners have you covered! See client testimonials and more by clicking links below!