Trusted Tips and Resources

Trusted Tips & Resources

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.


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 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 Clark Dziadyk tip on the Saskatoon Spring Real Estate 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 tips on the Saskatoon Spring Real Estate Market


The Calm Before The Storm

Oh, the weather outside has been frightful… but what does the condition of your home look like inside?

The first couple of weeks in March are what I like to refer to as “the calm before the storm”. The Spring market is right around the corner and warmer days are coming. If you, like many other homeowners who are considering listing their home, you may be waiting until the weather warms up to put your home on the market. If this is your strategy, this is a great time to tackle all of those interior projects you plan on completing before listing for sale. The ultimate goal is to sell your home for the greatest value possible in the least amount of time. Preparing your home for the market now will greatly increase your chances of accomplishing this goal.

Follow this listing checklist provided by the Canadian Real Estate Association for tips on where to begin with getting your home showing it’s best and be ready for the Spring market. Once you have that completed, your next step is to contact me and we will discuss a marketing strategy for achieving your real estate goals!


Click Here For A Helpful  Real Estate Checklist


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.


"The Realtor® in Your Neighbourhood"

Trusted Saskatoon Real Estate Expert Clark Dziadyk shares a Listing Tip

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. In his latest Listing tip, he shares the best time to list your home for sale.  Clark Dziadyk is 'The Realtor in Your Neighbourhood'

When Is The Best Time To List Your Home For Sale?

Trusted Saskatoon Realtor Clark Dziadyk Answers This Popular Question.


One of the most frequent questions I get asked from homeowners considering the idea of selling their home is, "When is the best time to list our home for sale?" 

 While the answer to the question isn’t necessarily black and white,   and there are often many social and economic factors to consider, the following is my take on when the best time to list our home for sale would be. Everyone has their own reason for selling, but this advice applies to anyone who has the luxury of time on their side and the choice of when they would like to list. 

 You may have heard other Realtors® talk about 'time of year' when referring to the best time to sell, whereas I think the right advice is much deeper than that. I believe the   question that needs to be   asked is "what style of property are you wanting to sell?".If it is an acreage property you own, then the main selling feature of the property is often the land and would be best shown in the summer months when foliage is in full bloom. Ideally, you would want to list in April or May as this is when most acreage buyers start up their search.

 

If it is a condo you are thinking of listing, whether it be a townhome, stand-alone home (bare land condo), or apartment style; I believe the best time to list is when the competition is low. For example, if there are several other apartment-style units for sale comparable to yours in the same complex or building, chances are you are going to sit on the market for a while. Unless you have something completely unique to offer that your competition does not (eg.- view, additional parking, top floor, etc), then waiting until there aren’t as many comparable units for sale would be best.


 Similarly, the same is true when considering selling a single family dwelling (stand-alone home). If there are many homes for sale comparable to yours in your immediate area, waiting until the competition is thinner might just be your best option. 
 If timing is not on your side and you need a quick sale, contact me today and he would be happy to discuss a strategy to achieve top market dollar for your home!


Read what clients have to say about Clark Dziadyk here


CLARK DZIADYK Is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.


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!