Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Realtor Clark Dziadyk Shares Why Fall May Be The Best Time To List Your Home

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 Trusted Saskatoon Realtor Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Be assured Saskatoon Real Estate Agent Clark Dziadyk Clark puts 100% effort into everything he does. Don’t you hate it when the grass is greener at your next-door neighbour’s place? This summer you could have the lawn that turns everyone’s eyes green with envy and admiration, but you’ve got to get on it right now! Follow these tips to grow the best lawn. 

Why Fall is the Ideal Season to Sell Your Home 


Clark's Top Tips for Selling in the Fall Saskatoon Real Estate Market

Fall is an ideal time to sell your home, complete with its own set of specific advantages. Read on to learn how you can maximize your real-estate game this autumn.

More Time for Curb Appeal

If your house needs exterior work, fall is the ideal season to sell your home in Saskatoon. Don’t put your house on the market in the spring with these reno projects incomplete. Give yourself the warm weather

months to paint the exterior, ­x the deck or install a new fence, and don’t try to rush these projects so you can list in the spring. Waiting it out until fall, and having the right curb appeal, might just get you a higher selling price.


Less Competition

 

Most people list their homes come spring, and that’s a given. By the time autumn rolls around,

most sellers have either sold their place or taken it to other markets. This means less competition in the real estate market. The reduced inventory also means fewer options for buyers, and that can potentially lead to a more competitive price for your home.


Corporate Moves

 

Employers who need to relocate their workers often wait for the fall, when the market tends to cool down. These out-of-towners will probably need to get through the process quickly, which could mean a relatively speedy closing on your sale.


More Serious Buyer Pool

 

The best thing about selling your house in the fall is that you’re dealing with a more serious pool of buyers. By the time September or October rolls around, these buyers are

itching to get their move settled. Nobody wants to move in the snow or during the busy holiday season, so potential buyers usually, want to get things signed and sealed as quickly as possible.



Different Demographics

 

Autumn is when both empty-nesters and millennials begin looking for new properties. Stage your house to appeal to these buyers. Empty-nesters are often looking to downsize, so it’s a good time to sell a condo or a small house. If you have a large three or four-bedroom house, consider staging one of the bedrooms as a home office or TV room to help them visualize how they can use the space. When marketing to millennials, it also helps them see the potential of the space. For instance, with a two or three-bedroom house, consider staging one room as a nursery.




Flexible Market

 

As you enter the market in fall, chances are good that those still left on the market from spring and summer will be pushing for a sale. If you’re selling in the fall, it likely means you’re also buying something new, and you’ll likely ­and that those sellers are more willing to negotiate. If you can snag a deal on your new home, you’ll be able to make more strategic decisions in the selling of your old home.


Read what clients have to say about Clark Dziadyk on his Saskatoon real estate listing here! 
Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.


Trusted Saskatoon Real Estate Agent Kari Calder Supports Camp Easter Seals

The decision to purchase your home is one of the most important decisions you will ever make, and will also be one of your largest investments. Done right, it can also be one of the most exciting and fulfilling times in your life! Kari Calder a Saskatoon Realtor with Century 21 Fusion is there to help you through the process, and provide you and your family with the peace of mind that comes with knowing that you have a realtor working with your best interests in mind.  Kari Calder is a Trusted Saskatoon Realtor

Kari Calder Supports Camp Easter Seals

As a real estate agent in Saskatoon, Kari Calder can proudly say that she donates a portion of each and every sale to send kids to Camp Easter Seals. Easter Seals has been supported by Century 21 since 1979...well before Kari became a REALTOR® in Saskatoon! She has always been a proud supporter since becoming a Saskatoon REALTOR® in 2007 but since having a child of her own in 2014 she has stepped up her contributions.


To date, Century 21 REALTORS across Canada have raised approximately $12 Million to send kids to camp. In 2018 they had an astounding year and raised over $704,000 for Easter Seals through the C21 Kids to Camp Program: enough to enable over 330 kids who are living with disabilities to enjoy and benefit from the transformative experience of a lifetime at an Easter Seals summer camp in 2019.
As Tomany likely are unaware, we have an amazing spot in Watrous for local kids. Kari had the pleasure of visiting here in previous years and was blown away by the facility but also by the kids she met and all of the loving souls who work here and dedicate their time and energy to such a rewarding place. Century 21 agents from across Saskatchewan dedicate time each year to do a “camp clean up” before the season begins.

As a national company, Century 21 is a long standing partner and donor. Each year they have a variety of fundraisers including golf tournaments and events to help raise money to send kids living with disabilities to Easter Seals’ accessible summer camps across the country so that they can have fun, learn new skills, cultivate lifelong friends, and develop their confidence and abilities.

In 2018 our local Century 21 brokerage in Saskatoon was #3 in Canada and #7 in North America for funds raised. Amazingly, Century 21 Saskatoon was right behind Regina who held the #2 spot for Century 21 Canada with money raised.
Each home sold by Kari and each buyer represented by Kari in purchasing a home in Saskatoon (and surrounding communities) allows her to donate to this great cause and she has personally been raising above and beyond the amount to be recognized as a “Golden Heart” with the company. She can’t do this without her loyal Saskatoon real estate clients and those who refer their friends and family to her. So she wants to say thank you...we know the kids thank you as well!

Please consider Kari as your Trusted Saskatoon REALTOR® with a golden heart when it comes time for your or your family’s next real estate needs.

Kari Calder is one Saskatoon's top Century 21 Fusion real estate agents. Kari can assist with all of your Saskatoon buying and selling real estate needs and she is a TRUSTED SASKATOON REALTOR

 

Kari Calder

Saskatoon Real Estate Agent

Century 21 Fusion

kari@saskatoonrealestate.net


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

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 Clark Dziadyk Shares Summer Lawn Care And Curb Appeal Tips

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 Trusted Saskatoon Realtor Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Be assured Saskatoon Real Estate Agent Clark Dziadyk Clark puts 100% effort into everything he does. Don’t you hate it when the grass is greener at your next door neighbour’s place? This summer you could have the lawn that turns everyone’s eyes green with envy and admiration, but you’ve got to get on it right now! Follow these tips to grow the best lawn. 

Summer Lawn Care Increases Your Homes Curb Appeal 


1. Inspect The Lawn Regularly 

Inspect your lawn and note any spots that need special attention. If you notice brown patches, you
need to act quickly to identify the disease so you can treat it. If the entire lawn is somewhat
flattened from winter weather, call in an aeration service. Those little holes in the lawn will last just
long enough to loosen up the soil and allow better water and nutrient absorption.

2. Rake Your Lawn

Rake any dead spots and reseed using a variety of grass seed to match the rest of your lawn. For
larger areas that may have been damaged by snow plows, for example, you can remove entire
sections and replace with sod. If you notice areas where there has been a lot of soil erosion, mulch
beds are a good way to shore up future runoffs.

3. Fertilize Your Lawn 

Apply a slow-release fertilizer to feed the grass over weeks. Pick a day that’s not windy and check to make sure there’s no rain in the immediate forecast to keep the fertilizer where you want it. Dispose of any leftover fertilizer appropriately, as you would household chemicals like paint. 


4. Water Your Lawn

Make sure to water deeply, not daily. Deep watering will encourage a healthy root system. Whether you drag the hose out in the morning or have an automatic sprinkler system, set a watering schedule. Your lawn needs an inch to an inch and a half of water a week. 

5. Lawnmower Maintenance 

Maintenance Keep mower blades sharp and balanced for clean cuts and change the pattern every time you mow so grass blades will stand up straight. Remember to let your grass clippings fall where they may, and remain there. “Grasscycling” returns nutrients to the soil, allowing them to fertilize the lawn. Proper lawn care prevents the most common lawn problems from getting out of control. Keeping the grass at the right length will help keep it healthy and keep weeds at bay.

6. Rake & Weed Your Lawn 

When autumn arrives, and the leaves begin to fall, don’t wait for large amounts to pile up. Remove
leaves often, so they don’t get a chance to become wet and sticky. Blankets of wet leaves can
create a fungal problem that will plague your lawn long after the last snow falls.
Set yourself up for another lovely lawn the following spring and summer by doing some weed control now, and an application of fertilizer for nutrients to feed your grass throughout the cold
season.

Keep in mind, if you plan to sell your home, having a nice lawn is crucial. But the homes that show the best have more than just end-to-end grass. The right shade trees will also protect your lawn and keep your house cooler this summer.

Notice summer lawn care doesn’t just cover June through September. By preparing your lawn well in advance of the summer heat, you’ll have a yard that will withstand the stress of summer and thrive through the fall.


Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.



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

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

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