Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Mortgage Brokers Your Mortgage Now Tip About The 2020 Housing Market

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 info on the 2020 housing market. 

 Homebuilders Deals & Incentives on New Construction

Mike and Crystal Green couldn’t have picked a worse time to look for a new home. In mid-February, Mike was offered a promotion to be a regional sales manager at a computer security company. The catch was the couple would need to relocate 

The Greens accepted an offer on their home two days after it went on the market in early March. But by then, the Greens didn’t feel safe flying to check out houses given the coronavirus pandemic.The government was urging workers to stay home if possible and practice social distancing when out in public to combat the spread of the coronavirus.

That wound up working in their favour. The Greens went online and took a virtual tour of a home they liked. It was in a new development. They were able to choose custom details via Zoom and email—and got a discount on their new home

If they closed in March, and the builder would throw in a free Whirlpool refrigerator, washer, and dryer as well.


The Greens have plenty of company on the receiving end of a wave of aggressive incentives for buyers of new construction. With a global health crisis raging and the ensuing financial fallout with many workers laid off,  homebuilders around North America are offering discounts, throwing in freebies, and covering closing costs to attract buyers and close deals.

They had to do something. Tours of new-homes have dropped and more potential buyers deciding to put off their new home searches until things truly settle.

CMHC

2020 summer edition of the Housing Market Outlook report provides forecasts for Vancouver, Calgary, Edmonton, Toronto, Ottawa and Montreal. It builds on the Spring 2020 edition that focused on housing market activity for Canada and the provinces.

These reports give high and low range projections on new construction, home sales, house prices and rental market activity.

Housing forecast overview for Canada’s major urban centres

  • Sales and construction have dropped
  • House prices will likely fall because of uncertainty over the economy’s path
  • It is possible that vacancy rates increase in the rental market
  • Recovery in major markets is highly uncertain and will vary considerably

For Canada’s 3 largest cities, there had been steep employment declines according to Statistics Canada:

  • 18% in Montreal
  • 17% in Vancouver
  • 15% in Toronto 
Such large employment and income declines, coupled with uncertainty over the future trajectory of the virus, will lower demand for housing in the urban centres. Housing starts should rebound by year-end, as projects, settled before the pandemic, should be starting soon.  Rental apartment starts will benefit from the slowdown in the demand for homeownership. 

By 2022, housing prices should be following a slight upward trend and even exceed their pre-pandemic levels.

Read the full CMHC report here 

Buyers may also get deals on custom homes

While deals on newly constructed homes abound, buyers can also shop around for discounted lots where they can have their dream homes built.

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

Trusted Saskatoon Contractors K & S Contracting Share Information About Vermiculite Insulation

K & S Contracting specializes in foundation repair for homeowners across Saskatchewan, in addition, they also offer general contracting services to Saskatoon and surrounding area. In their latest Trusted Saskatoon contractor tip, K & S Contracting Trusted Saskatoon General Contractors and foundation specialists, discuss vermiculite insulation.

Vermiculite Insulation - What Is It?

If you have never seen vermiculite insulating an attic, it looks similar to little squares of coloured glass or little grey beads. Vermiculite is a naturally occurring mineral worldwide. When heated rapidly to high temperatures, this crystalline mineral expands into low density, accordion-like, golden brown strands. In fact, its worm-like shape is what gives vermiculite its name. The worms are broken into rectangular chunks about the size of the eraser on the end of a pencil. In addition to being light, vermiculite chunks are also absorbent and fire retardant. It also makes a good insulating material. 

Where Was It Used? 


Sold under various brand names, such as Zonolite Attic Insulation, the insulation came in big bags. Thousands of homeowners simply opened the bags and poured the vermiculite onto their attic floor and sometimes down exterior walls. It was generally not used in new construction.


When Was It Used?


Worldwide, vermiculite has been used in various industries as long ago as 1920. With the upsurge in homeownership during the baby boom, vermiculite insulation was a popular material in the 1950s and continued with the energy crisis into the late 1970s. In Canada, it was one of the insulating materials allowed under the Canadian Home Insulation Program from about 1976 to the mid-1980s. There have been some government provided grants offered to homeowners to increase insulation levels, reducing energy consumption. Worthwhile checking in to see what may be available. 


What Is The Problem?


The majority of the vermiculite used worldwide was from a mine in Libby, Montana, owned and operated since 1963 by W.R. Grace. The mine was closed in 1990. As well as being rich in vermiculite, this mine had the misfortune of having a deposit of tremolite, a type of asbestos. When the vermiculite was extracted, some tremolite came in with the mix. For Canadian use, the raw product from the Libby mine was shipped to Grace subsidiary F. Hyde processing plants in Montreal, St. Thomas, Ajax and Toronto, and Grant Industries in western Canada. At these plants, it was processed and sold as Zonolite.



What Is The Risk?


Asbestos minerals tend to separate into microscopic particles that become airborne and are easily inhaled. People exposed to asbestos in the workplace have developed several types of life-threatening diseases, including lung cancer. Workers in and around the Libby mine developed serious health problems. 


Like any hazards, length and intensity of exposure are major factors in the risk of asbestos-related respiratory illness. To assess the risk of asbestos exposure at a house, a sample of the vermiculite would need to be analyzed by a lab. Since most of the vermiculite used in Canada was taken from the Libby mine, the odds are quite good that there is asbestos in the vermiculite in Canadian attics.


The good news is that we don’t live in our attics. In addition, as long as it is undisturbed, neither the asbestos fibres bound up in the vermiculite chunks nor the dust will be released into the air. According to the National Institute for Occupational Safety and Health in the U.S., “Most people who get asbestos-related diseases have been exposed to high levels of asbestos for a long time.” Lastly, most of the time the air in your house flows from the house into the attic, rather than into the house from the attic.


The bottom line is, like most household products that may contain asbestos, and there are many, doing nothing is often the best approach. Naturally, the risk of exposure increases with the amount of time spent in the attic.


Our Recommendations


If the attic or walls of a house contain vermiculite insulation, leave it alone. Avoid disturbing the material. Do not sweep it or vacuum it up. Do not store belongings in the attic.


If work is planned that involves these areas, for example installing pot-lights in a room below the attic, send a sample of the vermiculite to a private lab. Send several samples, and use a lab specializing in asbestos analysis. If it is found to contain asbestos, or if you just assume it does, precautions should be taken. The safest approach would be to have the insulation in the affected areas removed by a qualified environmental contractor.


For smaller jobs, it may be sufficient to isolate work areas with temporary barriers or enclosures to avoid spreading fibres, use disposable protective clothing, and use proper respiratory protection. An important note – disposable respirators or dust masks are not appropriate for asbestos. Again, it is best to consult a qualified contractor.


K & S Contracting is a Trusted Saskatoon General Contractor and foundation specialists


Their services include: 





Trusted Saskatoon Brags About Japp Construction a Trusted Saskatoon Framer and General Contractor

The Trusted Saskatoon team are thrilled to welcome Gavin and Lindsay Japp from Japp Construction to the Trusted Saskatoon community. They have joined our Saskatoon General Contractors category and the company specializes in framing. Whether it be framing commercial projects, a renovation, an addition, garage or completely new home build, they take pride in assuring that your project is delivered on-time, on budget and complete to the very last detailJapp Construction Are Trusted Saskatoon Framing Specialist & General Contractors.

What Sets Japp Construction Apart from Other Saskatoon Framing Contractors? 

After meeting Gavin Japp,  it is immediately obvious that he cares about his clients' construction project needs as much as they do. They authentically believe in conducting business with honesty, integrity & the highest level of service possible- so they are a perfect fit for Trusted Saskatoon. 



Gavin had met with one of our Trusted Saskatoon representatives a number of years ago, but at the time didn't feel ready to join. Recently Japp had worked on a few projects with Karen & Steve Ostapiw, owners of K & S Contracting- Trusted Saskatoon General Contractors and foundation specialists. After hearing about their positive experience he decided to contact us again to see if there was an opportunity to go over what was involved in joining Trusted again.  

Passing The Trusted Verification Process With Flying Colours


We are often asked how we select Trusted Saskatoon partners. The answer is pretty straightforward, but is what also make us unique and trusted. Our local team actively seek and look for locally accountable businesses that have a reputation for quality driven excellence in the Saskatoon markets. In many cases, their customers, clients and other Trusted Partners nominate businesses they are impressed with. 

Once we meet and they decide to proceed with the process,  we give them a list of items we need to verify their ' Trusted status'. This includes a list of past clients who we survey personally over the phone- it is a pass or fail! In addition, we check the businesses online reputation, speak to business references and our team ensures any required licenses, qualifications, WCB and insurances are valid and up to date.

When speaking to the Japp's past clients we can share that the feedback was amazing. A few of the testimonials are on their listing here:  Japp Construction Listing, and we also wanted to share some other comments from the clients we spoke to.

" Gavin took the time to listen and explain everything to us. His attention to detail was outstanding and the communication was excellent from beginning to end. It is clear that he cares about his customers and goes above and beyond as standard. Whenever I wanted to talk to him he was available or called me straight back, he brought ideas, solutions and made the entire project run smooth. We had a few minor issues with other trades, Gavin stepped in and helped us sort things out, which was really appreciated.  I have already passed his number on to friends,  and after hearing the 5 Guarantees I can say with confidence that  Japp Construction is a perfect fit for Trusted Saskatoon " - Matt Owens, Saskatoon. 

"No Issues at all on our project! We had Japp frame our basement and found Gavin and his team to be friendly and courteous at all times! We had no issues before, during or after the job was finished. I rate them 9.5/10 and would defnitely recomed them to friends and family" Corey French. 

If your project is big or small, they will be there. From quick fixes to 20,000+ square foot buildings, they have done it all.


'Quality you deserve and dependability you can count on’ https://www.trustedsaskatoon.com/listing.aspx?lid=506

Japp Construction Are Trusted Saskatoon Framing Specialist & General Contractors

Trusted Saskatoon Home Builder Westbow Shares Tips On How To Brighten Up Your Home This Holiday Season

Westbow Construction is committed to providing great service, excellent communication and the best quality home for you and your family. Westbow Construction is a Trusted Saskatoon and Area Home Builder. In their latest article they share tips on how to decorate your home for the holidays. 

Decorating Your Home For The Holidays 

No matter if you celebrate Christmas, Hanukkah, or any other Winter Holiday, December is the season to brighten up your home with holiday décor and decorations. From gingerbread baking in the oven to stockings hung over the fireplace- we’ve put together 8 easy ways to bring the holiday season into your Westbow Home.

1. Add a holiday wreath to your front door.


Adding a wreath to your front door is a great and simple way to bring the spirit of the holiday to your home. Local makers offers various styles of wreaths or you can create something yourself using local greenery.

2. Decorate your Christmas tree 

There are many options when it comes to your Christmas tree. There has been a long debate between whether a fake or real tree is better, but there are now more options than ever! Second hand artificial trees provide a lower cost option while those looking for an eco friendly option may opt for a returnable Christmas tree.


3. Fill your holiday mugs with homemade hot chocolate, apple cider, or mulled wine

As the weather gets colder outside, filling your mug with a warm cozy drink will help warm your body and soul. 


4. Bring festivity into your bathroom

Simple pieces of décor such as candles, a locally made sign, and some holiday themed hand towels are a great and easy way to bring the holidays into your bathrooms.
 

5. Light up your neighbourhood

Christmas lights provide a bright and cheery neighbourhood atmosphere. From traditional string lights to modern projectable lights, the variety in options are endless
 

6. Spend time baking holiday cookies

Your Westbow kitchen is perfect for spending time with your family, baking holiday cookies. There are many holiday cookies to choose from!  Gingerbread, sugar cookies, and shortbread are just a few of our favourites.
 

7. Relax in your loft and enjoy a holiday movie

Many Westbow homes have bonus rooms or lofts which make for excellent places to curl up and enjoy a holiday movie.

 

8. Spend time with your family and friends.

As the holidays draw closer, families and friends gather to celebrate the season. Westbow homes are built for hosting parties, get togethers, and dinners. Spacious, open concept kitchen’s and living rooms  ensure there are no separation between the guests and the hosts.

 

Current Westbow Developments In Saskatoon , Warman and area include:

Click on more info for showhome locations and hours. 

'Westbow Homes - Quality for Generations'

Westbow Construction is a Trusted Saskatoon and Area Home Builder


Trusted Saskatoon Home Builder, Strata Development, Shares A Phenomenal Client Testimonial.

When building a new home, or renovating an existing residential or commercial building, Strata strive to introduce you to options that may not occur to others. Whether your focus is rooted in the design, the budget, or the timeline. Their impressive list of projects reveals why architects, developers, and others recommend Strata Development.– Strata Development is a Trusted Saskatoon home builder. In this article we share a client testimonial, Larry Glauser was kind enough to share his experience with Strata. 

Larry's Experience with Strata Development.



Strata Development were clear about how they would deliver. The project, the schedule, and the budget are laid out for you throughout the process. Line by line and date by date, the details are shared in real-time, so you always know where you stand. But don't take it from us here is was a delighted customer has to say about their experience with Chris and the team at Strata Development.


"A while back, my home flooded. As I am sure, you can understand this can be a very stressful event. There was water pouring in from the ceiling. It was raining inside. I gave Chris a call and within an hour he had a team there cleaning up the mess and patching what needed to be repaired to prevent more damage. They went as far as opening the floor so it could dry out. I was extremely impressed. It was like they had never been there. After the fact, I received an invoice with the number of labour hours listed involving in the cleanup and drying out of my home. And on the back of the invoice, there was a credit note for the full amount and a note saying don’t worry about it we are glad that we could help. This is truly exceptional and unexpected in a world of business to have contractors and building company that cares.  After getting an assessment of the damage done instead of just replacing the flooring and walls, I decided to do a full renovation and make this my forever home. Without question, I trusted Chris and his team at Strata Development to make this a reality for me. From the beginning of the project to the design team, the staff were incredible and on point with recommendations. They were always very upfront with any expectations, and they delivered what they said they would. This business is truly a step above. I will be working with them again soon."  Larry Glauser


When building a new home, or renovating an existing residential or commercial building, they strive to introduce you to options that may not occur to others. Whether your focus is rooted in the design, the budget, or the timeline. Locally owned, Strata Development has been serving the Saskatoon Community since 2010. Their impressive project portfolio illustrates a new legacy of work in design and construction management in Saskatchewan.

Strata Development are Trusted Saskatoon Home Builders. 


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