Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Mortgage Brokers Your Mortgage Now Tip On Purchasing Property During the 2020 Coronavirus Pandemic

Buying a home is one of the most important and exciting steps in your life.... found the home you want now you need a mortgage. Deal with people who can offer you and your family the best options.  Devin Cristo and Wes Will of Your Mortgage Now are Saskatoon Mortgage Experts and they have many years of experience helping individuals and families by offering mortgages from a variety of lenders. Your Mortgage Now are Trusted Saskatoon Mortgage Brokers, in their latest Saskatoon mortgage tip they share tips and advice on Purchasing Property During the 2020 Coronavirus Pandemic. 


What  Are Your Top Questions About Purchasing Property During the Coronavirus Pandemic?


The coronavirus pandemic has thrown millions of people's financial plans off the rails, and that certainly includes home buying. If you were hoping to purchase a property soon, you no doubt have a lot of questions—about whether it's possible to buy or tour a house now, COVID-19's impact on home prices, and more.


Is now a good time to buy a house, financially speaking?

From a financial perspective, there are certainly some advantages to buying a home right now. For one, mortgage interest rates are historically low, which means your monthly housing payments will be lower, too. And putting a property under contract now and locking in a low interest rate gives buyers more control than living in a rental where rents might go up.

Another big consideration on the financial side of the home-buying equation comes down to competition. The coronavirus has dissuaded some home buyers from home shopping for the time being. So buyers who do venture out face less competition, which could put them in a stronger position to negotiate with sellers.


How has the coronavirus affected home prices?

The coronavirus has the world economy in turmoil. But so far at least, this does not mean that home prices have plummeted across the board or that buyers can lowball their way to a bargain. Instead, in most real estate markets, home inventory remains very tight.

"I don't expect the slowdown to be like the last recession where prices fell," says realtor.com chief economist Danielle Hale. "There are more than enough buyers out there to keep home sales from slowing in any major way.”


Is it safe to buy a house now?

While no one can guarantee you won't catch the coronavirus, the real estate industry has worked to prioritize buyers' and sellers' health by eliminating personal interactions almost entirely during the pandemic. Even as different states reopen, you can still do most aspects of the home-buying process remotely, or at a safe social distance, when it comes to your home search that you may not have considered doing in the past.

First, you can find and interview Saskatoon and area Realtors virtually. While showings may not be easy to arrange because of shelter-in-place orders or continuing health concerns, most real estate listings now offer virtual tours.

Should I buy a house sight unseen?

While buying a house sight unseen has long been the only option for people relocating due to a new job or military service, the trend has been on the rise for more and more folks. In fact, according to a realtor.com survey of 1,300 consumers during the week of April 5, 24% (or 1 in 4) said they'd be willing to buy a home without seeing it in person.

Buyers who consider buying a house sight unseen generally have some comfort level with the neighborhood and know the market. And according to realtor.com senior economist George Ratiu, the comfort level of buying a house sight unseen may come down to age.

"Younger cohorts are more inclined to rely on detailed photos, virtual tours, or live video instead of an in-person visit, with 31% indicating they would be willing to buy sight unseen," says Ratiu.

Even if you're buying blind, you shouldn't operate completely in the dark. Here are some features that buyers find most helpful in such a home search.

  • The ability to take a virtual tour of the home
  • Listing and neighborhood information that is accurate and detailed
  • Plentiful, high-quality listing photos that show the property's interior and exterior
  • An agent or landlord who can walk a buyer through the property via video chat

Ask for more advice on how to buy a home sight unseen before you commit to a purchase.

What Else? 

  • Figure out how much home you can afford: The pandemic has roiled markets and caused tremendous economic uncertainty. So you'll want to carefully consider how much home you can afford and err on the conservative side. Contact us to help you determine your monthly mortgage payment.
  • Secure mortgage pre-approval: Now it’s more important than ever to get pre-approved to show sellers you’re serious when you make an offer. Pre-approval shows how much a lender will loan you, assuring the seller that you’re financially capable of buying a home.


No time for an appointment?  No problem! You can apply online with Your Mortgage Now!

'It costs you nothing... saves you thousands'

Your Mortgage Now are Trusted Saskatoon Mortgage Brokers

7 Signs It’s Time to Replace Your Windows From Trusted Saskatoon Window Pros at Wiebe Windows & More

Owner, Bradley Wiebe has been installing windows and doors in Saskatoon and area for over 10 years. They only install Canadian manufactured windows and doors. These products are built for the Saskatchewan climate.  Brad takes pride in ensuring that his client’s windows and doors are installed correctly and that quality products are being used. In their latest Saskatoon windows and door tip they share a helpful article originally written by Ply Gem on the 7 signs your windows need replacing.  Wiebe Windows & More are Trusted Saskatoon Windows & Door Experts!

DO YOU KNOW THE 7 SIGNS?


Connecting the inside to the outside, windows have the important job of helping to keep your home well-ventilated, comfortable and safe. Windows can last anywhere from 20 to 40 years, depending upon the type of window, where it’s located and the amount of maintenance provided. Wear and tear from exposure to the elements also affects their condition over time, decreasing energy efficiency and comfort by creating drafts and leaks

So how do you know when it’s time to replace your windows? You probably pay little attention to them until they stop working properly, but here are 7 signs that the time is now!


Opening and closing them has become difficult.


When your windows are difficult to open and close it will prevent you from allowing fresh air into your home. If they don’t close properly or you have trouble locking them, the window won’t provide a tight seal against leaks and drafts and can also impact the safety of your home. New windows and doors are designed to open and close with ease, provide protection from wind and rain and help keep your home safe. Learn more about how different types of windows operate and the benefits they can provide your home.


You notice a draft.

If you can never seem to get your house warm enough during the winter, you may be suffering from drafty windows. Over time, deterioration and normal wear and tear will cause old windows to stop protecting your home like they should and allow significant amounts of cold air inside. Noticeable drafts mean your windows are not functioning properly and you should consider replacement windows.


They look old and outdated.

 
You may not realize it, but replacing old, worn out windows can drastically improve the look of your home’s exterior. Faded paint, antiquated storm windows and old-fashioned window grilles often detract from your curb appeal, making your home look and feel outdated. New windows give you a refresh and can better complement the overall design of your home. (Yes, you can replace your windows during the winter!).
 

You struggle with “dropping windows.

 
Windows that slide down when you raise them are not only annoying but can also be dangerous. This occurs on double and single hung windows when the spring system is broken or has deteriorated over time. For parents with children, it’s important to watch your children around windows that have the potential to fall down and injure them. If you’re tired of propping up windows that won’t stay up and have safety concerns, it’s time to look for newer, safer windows that function properly.
 

Your energy bills spike.

 
During the winter, an abnormally high energy bill may tell you that your windows aren’t operating efficiently – letting cold air in and warm air out. This means your heater has to work overtime to compensate for the loss of heat. Instead, reduce your heating and cooling costs by installing energy-efficient windows that are good for your wallet and the environment.
 

You can hear outside noise.

 
Your home is where you find peace and quiet away from noisy neighbors and busy traffic. However, when your refuge is disturbed you can possibly blame poorly sealed windows and outdated glass. Noise-reducing windows with dual-insulating glass units decrease sound from coming into your home. For added protection against unwanted outdoor noise choose a sound-reducing glass package.
 

You can see visible damage.
 

Signs of chipping, deterioration or water stains on or around the window may indicate rot and water infiltration. Visible damage of the windows not only looks unattractive but can also reveal that the integrity of your windows may be compromised. Leaky windows can lead to unwanted water infiltration that can also cause additional water issues in your home.

Have questions about this article or anything else you need advice on?  Contact Brad and Anna today! 


Wiebe Windows & More -Services & Info:

"A VIEW YOU CAN TRUST"

Wiebe Windows & More are Trusted Saskatoon Windows & Door Experts!


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Trusted Saskatoon Caterers & Bakers at HomeQuarter’s connection with Riverbend Plantation.

HomeQuarter Coffee House & Bakery offers delicious Saskatoon and area catering services. In addition, they have a great Saskatoon restaurant, coffee house & bakery, as well as a private area to book small local events or meetings. Previously located within the Riversdale Saskatoon Farmer's Market for over 9 years, they opened their new location in 2018 across the street on Ave B. In HomeQuarters latest feature article on Trusted Saskatoon, we find out about their sister business, Riverbend PlantationHomeQuarter Coffeehouse & Bakery is a Trusted Saskatoon Caterer & Bakery!


Did you know the owners of HomeQuarter also own Riverbend Plantation?

Riverbend Plantation has been growing Saskatoon berries and creating distinctive products since 1981. Grace and Lee Whittington have been the owners of Riverbend Plantation – Saskatchewan’s first commercial Saskatoon berry farm – since 1996. They were newcomers to the province having moved from Ontario in 1992 when Lee took a position in Saskatoon. They saw an opportunity when Riverbend’s first owner retired. Grace and Lee had owned a farm together in Ontario so moving back to the country was a natural choice. Also, Grace was already supplying Riverbend Plantation with Saskatoon berry chocolate (the same signature chocolate they make today). 


However, growing a crop they hadn’t heard of four years earlier took some careful planning and a leap of faith. Grace’s skill as a cook and her training in home economics provided a great fit for product development, but the family was still young with a 12, 9 and 6 year old at home and Lee worked full-time. It’s been 24 years now and Lee still says that they learned many lessons on that journey.



The orchard is my primary responsibility, and much has changed from the early days. I remember our first harvest (coincidently the largest the farm had produced to date), working long hours, 7 days a week, week after week with a crew of more than 160 people. We ran out of everything: time, boxes, bags, pallets and patience! After years of renewing the orchard, we can now harvest the crop by machine. Improvements like this have greatly improved the quality of our key ingredient.- Lee Whittington.


Wonderful products and gifts 


After harvest, Grace managed everything from product development to marketing. The early days took the family to fourteen trade shows a year from October to December. These days the marketing focus has moved away from direct selling at trade shows to a distribution system of independent retailers  (Including at HomeQuarter Coffee House & Bakery- in the picture to the right). 


"Great products come from quality ingredients, beginning with the fruit we grow, great recipes and dedicated staff. With all the changes we’ve experienced, this philosophy still holds true.” - Grace Whittington


In 2010 they added a café at the Saskatoon Farmers’ Market. Now they are a beloved place In Riversdale where friends and neighbours gather to eat, drink and enjoy live music.  Share in the seasonal delicacies from the Western Canadian Prairies, including their own orchards, with main dishes, delectable desserts, and fine coffees that are plentiful to eat in or take home. 


Home Quarter Menus:


HomeQuarter is a place that feels like home, with an amazing atmosphere, wonderful coffee and great food you are sure to love. They look forward to sharing their farmhouse kitchen atmosphere with you, their friends. 

'A place that feels like home...From the first bite to the last drop.'

HomeQuarter Coffeehouse & Bakery is a Trusted Saskatoon Caterer & Bakery!


Easement and Title Insurance explained By Marla Janzen Trusted Saskatoon Real Estate Expert

As an award-winning  SASKATOON REAL Estate agent Marla Janzen knows the city and surrounding area extremely well. She strives to find her clients the perfect new place to live while negotiating the best terms and price possible. She has a keen eye for house layout and home staging, which really benefits her clients, most of whom are past client referrals! In her latest Saskatoon real estate tip Marla explains title insurance and easementMarla Janzen is a TRUSTED SASKATOON REALTOR® 

Easements and Encroachments on a Property


What is Property Easement?

Property easement is defined as the right to facilitate a fraction of a property for a specified purpose. A survey will help decipher the property boundaries that will prevent any issues from determining land ownership. An easement can allow another person to encroach on your property and even though the lines are declared within the survey, these boundaries may be crossed without the owner’s express permission.  An easement can be included in the title or deed to the property. A prime example of an express easement would be if the power company wanted to run power lines onto a property or a neighbour might even want to enter an agreement to share common parts of the property that extend into both boundaries.  

A prescriptive or implied easement can occur if the use of property continues over an extended period of time.  A good instance of this would be if a neighbour has been crossing a boundary line for years then that neighbour could have obtained a prescriptive easement that will allow him to legally cross the property line.  Also, a “right of way” easement is nothing more than the allowance of someone to cross onto the property in question.  

Many people forget when they are buying a house that they are actually purchasing the land the house is built on and the boundary that surrounds it.  If you were to build a shed in your back yard and it happened to cross the land boundary into the property of another person this could technically be handled in a legal manner. This is something that can be avoided with proper surveys being done and the use of specified easements.

What about Title Insurance?

Title Insurance is a policy issued to the mortgage lender to protect against a defect in title. In Saskatchewan, the Land Titles system guarantees ownership of your land by title. Title Insurance policies provide no information about your property.

Only a Surveyor’s Real Property Report can assure you of the extent of your property and warn of any possible problems. Most of the time people are not going to worry about a few yards here and a few yards there, however, the same people who are okay with the encroachment might not always live there so it always is a good idea to get your bases covered legally and legitimately. This will ensure that down the road you are not going to wind up paying fines and going through a legal process that will cause nothing but problems.

Marla guarantees to provide you with a stress-free, hassle-free, wonderful experience and we are sure once you have met her that you will not contact anyone else!

Marla Janzen is a TRUSTED SASKATOON REALTOR®

Trusted Saskatoon Furnace and Duct Cleaners at Bridge City Duct Cleaning Explain Why A New Home May Not Be Clean

Bridge City Duct Cleaning provides both Residential duct cleaning and commercial duct cleaning and furnace maintenance services. Their team are professionally trained, qualified, bonded and factory trained furnace & duct, cleaning technicians. In their latest article they share why they recommend hiring them to do duct cleaning for new home construction.  Bridge City Duct Cleaning are Trusted Saskatoon Furnace & Duct Cleaners

Why clean the ducts of your brand new home?


Some people say, ‘No Way! It’s new, why would I clean something NEW? I wouldn’t clean a new car or a new garment, why would I clean a new house?!’
And while it might seem counter-intuitive, in this shirt article we’ll be talking about why it’s beneficial for you to do just that! Cleaned Ducts by Bridge City Duct CleaningBefore you set foot in your new home, dust and debris will already be gathering in those ducts! For the price you’ve just paid for your new home, isn’t it worth just a little bit more to invest in clean air for your family to breathe?

It’s a New House… But Just How ‘New’ Is it?

It’s true, you probably wouldn’t take that new car to the car wash right away, or take your new suit straight to the dry cleaners. But new homes are different. A lot goes on during the home construction process, both in front of our eyes as well as behind the scenes. Before the ductwork even makes it to your homesite, it may have sat for months or even years in a warehouse. That right there makes it prone to dust. Once it’s brought into the construction site, the ductwork is installed – and then it sits again, possibly several weeks or even months.  This time, however, it’s not only dust that’s accumulating. Construction is taking place in and around the house.  Dirt and dust are getting kicked up into the air. And, with new home construction happening at breakneck pace, not all construction trades are as careful with their job site as they ought to be. Just what kind of things can get into ductwork during construction? Duct Cleaning For Your New Home  

 
“Construction debris, (bits of wood, drywall, electrical, etc.) and worker’s debris (mask’s, gloves, disposable cups, unfortunately even cigarette butts)”
  At Bridge City Duct Cleaning we believe a NEW HOME should be just that!   Click to get a quote online Bridge City Duct Cleaning Services Include: "Trusted Saskatoon Furnace and Duct Cleaners”

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