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

2. Dec 2019 Trusted Saskatoon Saskatoon Home Builders, Trusted Tips


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 kitchens and living rooms ensure there is no separation between the guests and the hosts.

 


Trusted Saskatoon Real Estate Expert Marla Janzen Has Made The Move To eXp Realty

29. Nov 2019 Nat Saskatoon Real Estate, Talk to Experts, Trusted Partner News

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!

Marla Explains Why She Moved To eXp Realty


First of all, I want to say thank you to everyone who’s supported me as I moved over to eXp Realty.  It’s been an exciting month meeting new people, exploring new places, and learning about the exciting online world of eXp Realty.  


I started as a real estate agent in 2004 with Century 21 in Saskatoon.  Over the past 15 years, I’ve learned and grown into the agent and person I am today.  I’m very thankful to my former brokers and colleagues at Century 21 for giving me the foundation to grow my real estate business into one that’s earned multiple awards and accolades.  


Being a Trusted Saskatoon Realtor, I enjoy giving my clients the highest level of service I can.  I am thrilled to be working with an international corporation who is forward-thinking and agent owned.  eXp Realty is a full-service real estate brokerage providing 24/7 access to collaborative tools, training, and socialization for real estate brokers and agents through its fully immersive, 3D cloud office environment.  It was a long and tough decision, but one I am whole heartily excited for and feel great about.  It is exciting to be part of a real estate company who is growing so quickly and easily offers support, networking, coaching, and mentorship to top realtors around the world.


I’m ready to make 2020 a great year of change and success.  Being a top producing agent in Saskatoon and area, I have been successful through many market changes, and now I can also offer my years of experience and award-winning results to help others in real estate do the same.  I’m happy to be partnered with Realtors® Chris Molenaar and Tara Knoblauch.  We have already established some great goals and programs to offer our clients, as well as, help agents on our team.


I am proud to be partnered with Westbow Construction as their Saskatoon, Warman, and area Realtor.  I have been working with them since they established here 7 years ago, and I am looking forward too many more exciting projects to come. Trusted Saskatoon Homeuilder Westbow Construction is committed to provide the best quality home for their clients and I’m proud to be a Trusted Saskatoon Partner alongside them.


I love living and raising my family here in Saskatchewan and I am happy I have found a company with great core values that relate to my own.  I’m looking forward too many more years of happiness, success, and growth in this amazing city doing what I love.  I believe honesty, hard work, and stellar customer service are the most important parts of the real estate business.  I put this philosophy to practice and strive to be the best Saskatoon Realtor® I can every day.


To read more testimonials about Marla Janzen, view her listing HERE!
Find Marla Janzen Online at www.marlajanzen.com...she is a eXp Realtor.
Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT.

Trusted Saskatoon Realtor Marla Janzen Explains The First Time Home Buyer Incentive

5. Jul 2019 Admin Saskatoon Real Estate, Trusted Tips

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!


The First Time Home Buyer Incentive




As an award winning Century 21 Fusion Saskatoon Real Estate Agent, Marla knows Saskatoon, Warman and the area extremely well. She takes action in order to sell her client's homes. She strives to find them the perfect new place to live while negotiating the best terms and price possible. She truly loves what she does and she takes great pride in providing excellence in customer service to all her clients. She feels blessed to live in Saskatchewan and she is a TRUSTED SASKATOON REAL ESTATE Agent.

By now you have likely heard about the buzz regarding The First Time Home Buyer Incentive (FTHBI), which will come into effect on September 2nd, for homes that close no earlier than November 1st. The Government of Canada is offering interest-free loans in the form of a shared equity mortgage to help home buyers obtain a smaller mortgage and keep their monthly payments lower. The program will offer 5% for a first-time buyer's purchase of a resale home and 5% of 10% for a first-time buyer's purchase of a newly constructed home. 



The incentive can be repaid at any time without penalty, but it must be repaid after 25 years or if the property is sold, whichever comes first. Repayment is based on the property's fair market value. When the loan is repaid, the government will also get a share of any gains from appreciation of the property. Vice versa, if the property value goes down, the government will shoulder some of the loss. 

In order to participate in the FTHBI, buyers must meet two main requirements: 


# 1 - Be a first-time home buyer
# 2 - Have an annual income of less than $120,000


Buyers will still need to save their down payment of at least 5 percent and the maximum home price is limited to 4 times the buyers qualifying income. Let's look at an example:

Anita wants to buy a new home for $400,000:

Under the First-Time Home Buyer Incentive, Anita can apply to receive the $40,000 in a shared equity mortgage (10% of the cost of a new home) through the program. This is on top of the minimum required down payment of $20,000 (5% of the purchase price) from her savings. This lowers the amount she needs to borrow, and reduces her monthly expenses. As a result, Anita's mortgage is $228 less a month or $2,736 a year. 

Years later, Anita has sold her first hoe for $420,000. At this time, she would have to repay the original incentive she received as a percentage of her home's current value. This would result in Anita repaying 10%, or $42,000 at the time of selling her house. -- www.placetocallhome.ca/fthbi

The program will certainly help some first-time home buyers. But it's important to remember although this is an interest-free loan, it is still a loan that will need to be paid back.





Contact Marla Janzen, she is one of the 3 Trusted Saskatoon Realtors! Marla is looking forward to helping you sell or buy your home! She loves what she does, and she takes great pride in providing excellence in customer service to all of her clients. She strives to find them the perfect new place to live while negotiating the best terms and price possible.

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


Trusted Saskatoon Realtor Marla Janzen Talks About How To Gain Negotiating Advantage When Buying

12. Jun 2019 Admin Saskatoon Real Estate, Trusted Tips

Marla Janzen is an award-winning Saskatoon Realtor 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, Warman and area Real Estate Expert listed on the Saskatoon Real Estate Category on the Saskatoon  Directory and she loves to provide Saskatoon real estate Tips that help and assist the public! In the latest news from Marla Janzen, Trusted Saskatoon Realtor® shares a tip about negotiation advantages



Gain Negotiating Advantage When Buying


Buying a property requires good knowledge of market conditions, personal finances and the ability to judge what a good investment is. Being able to negotiate realistically is equally important when you decide to make an offer. You should be well prepared before you are actually in the position of preparing a formal offer to purchase. 

Market Conditions

Look at the long-range prospects of your borrowing commitment. During a period of low interest rates, you should take into consideration whether or not prices are expected to increase in the future. Consider locking in at a reasonable rate for the opportunity of a significant gain in the future. 



How Much Can You Afford?

Before you go into the market to look for a house, review your current spending and loan commitments. A mortgage lender will use a ration of about 30% of gross income as the amount of mortgage you can carry. If you review your finances beforehand, you will have a good idea of your own capacity. Property tax is an additional cost that must be factored into the equation. 
Once a price range for your prospective home purchase has been settled, the next step may be locking in a mortgage interest rate with a pre-approved mortgage. When you know you are already approved for a mortgage, this will increase your comfort level at the negotiating table. To arrange a pre-approved mortgage, you meet with a lender who will confirm your borrowing capacity, perform the required credit review and make an agreement to honour a particular interest rate for a specified time.

Existing Mortgage

If there is an existing mortgage on a property you are selling, or on the one you are looking at, there is more to consider than the balance outstanding and the interest rate. Be aware of any pre-payment terms. If your mortgage is open, you can repay it at any time without penalty. However, your lender may have "lock-in" clauses. These may include payment of a bonus or the lender's interest revenue loss for the balance of the term should you repay early. Clarify all of this with your lender.

Portability

One very important feature is mortgage portability. That means you can transfer your existing interest rate, loan balance and remaining term to new mortgage without penalty, although there may be some restrictions. Be sure you understand what they are before you get into negotiations. Your REALTOR® has the expertise to help guide you through the negotiation process, keeping your best interest in mind. 


Contact me I am one of just 3 Trusted Saskatoon REALTORS ®. I am looking forward to helping you sell or buy your home! I love what I do and I take great pride in providing excellence in customer service to all of my clients. I strive to find them the perfect new place to live while negotiating the best terms and price possible.

Find Marla Janzen Online at www.marlajanzen.com   she is a Century 21 Fusion Realtor and Marla Janzen is Trusted Saskatoon Realtor. 

Trusted Saskatoon Realtor Marla Janzen Landscaping Tips For Best Curb Appeal

9. Apr 2019 Carrie Saskatoon Real Estate, Trusted Tips

Marla Janzen is an award-winning Saskatoon Realtor 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, Warman and area Real Estate Expert  listed on the Saskatoon Real Estate Category on the Saskatoon  Directory and she loves to provide Saskatoon real estate Tips that help and assist the public! 

Her latest tip is about curb appeal and landscaping.  

Sprucing Up Your Landscaping Will Increase Curb Appeal and Attract Buyers! 

Spring is here, and that means summer and enjoying the warmer weather is right around the corner.  Backyards are wonderful spaces for entertaining and cooking, for quiet meditation or simply a source of natural beauty. A well landscaped yard can also increase the resale value of a home.

In recent years, landscaping has become increasingly important.  People are traveling less and spending more time at home whether for work or relaxation. Creating an oasis of calm and beauty in the backyard is something to consider if you plan on selling your home.

If you are not sure where to start with your landscaping project, consider the following factors:

  • The look of your outdoor space should complement the architecture of your home.
  • If the landscaping design appeals to the average person, it will be easier to sell your home; an obscure design may prevent a sale.
  • The size and slope of a yard will influence landscaping designs.
  • Consider a design that requires minimal maintenance; for example, opt for perennials that will come back year after year.

It’s also a good idea to spruce up your existing landscaping before listing your property as well; here are a few tips to get you started:

  • Add large container plants near your garage door, or front door.
  • Add a fresh layer of mulch to your garden beds.
  • Prune any overgrown trees or shrubs.
  • Tidy up any annuals or perennials that don’t look their best.  If a plant is in really bad shape – remove it. 
  • Power-wash any dirty surfaces such as your patio, fence and siding.

Your home will only make one first impression and a well-maintained landscape will make your property more attractive to potential buyers.

Contact me I am one of just 3 Trusted Saskatoon REALTORS ®. I am looking forward to helping you sell or buy your home! I love what I do and I take great pride in providing excellence in customer service to all of my clients. I strive to find them the perfect new place to live while negotiating the best terms and price possible.

Find Marla Janzen Online at www.marlajanzen.com   she is a Century 21 Fusion Realtor and Marla Janzen is Trusted Saskatoon Realtor. 





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