Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Realtor Clark Dziadyk Shares Investments Worth Making In Your First 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. 


4 Investments Worth Making In Your First Home



Advice for first-time homeowners on areas where spending a little bit more is likely to pay off in the long-run. From
valuable aesthetic updates in key areas such as the kitchen, bathroom and living room to installing smart heating
systems and insulation to prioritize energy efficiency, these tips will leave you inspired to make the most out of your
first home update. 

Replace Flooring


Flooring has the power to change a room entirely, so it should go without saying that this is an essential aspect of
the home where you should consider spending a little extra. Since flooring in areas such as the hallway, kitchen and
bathroom is likely to undergo high footfall traffic, your material choice should always look to combine durability
with that visual wow-factor where possible.

When it comes to updating your flooring, choose neutral colours to create a luxe look that goes the distance.
Generally, neutral colours offer you the freedom to change your furniture or accessories without updating all the
fixtures and fittings in the process, and will even allow you to keep up with trends as they change.

Whether you’re opting for some stylish, large format floor tiles which offer a contemporary touch in the kitchen or
some hardwood flooring which adds warmth to your living room, quality flooring is a great way to add personality
to a new space from the off – meaning showing your floors a little TLC should be high up on your list of investment
priorities.

Update Key Areas Of The Home


As the hub of the home where friends and family alike come together to relax, the living room is the best place to
start when it comes to fixtures and fittings. Lighting can have a huge impact on the overall aesthetic in your living
room – so it’s worth spending a little bit more on lamps or downlighters to add that cozy, homely touch to the
lounge.

Additionally, art is a great way to change the ambience in your living room, so choosing pieces with comfort and
calmness in mind is a great way to add a tranquil theme that makes you feel right at home from the get-go.

Naturally, ensuring your bathroom looks fresh, well maintained and hygienic is important when moving into any
new home. Modern or high tech touches are an effective way to add an extra luxe appeal, so consider investing in a
rain shower or waterfall taps to create a relaxing oasis that washes away the stresses of moving and unpacking.

Elsewhere in the home, high-end fittings such as granite or quartz worktops are practical choices that will go the distance. Though these may be a high investment initially, investing in durable, hard-wearing and practical
materials in areas of frequent use ensure longevity and, as such, a great return on your investment in the long run.

Invest In Quality Furniture

Nothing makes a house feel like home quite like furniture – after all, furniture is the most effective way of adding
character to any space. When opting for your style, try to prioritize items that will stand the test of time, as this will
ensure your first few years in your new home isn’t spent constantly renovating in-line with the latest trends.
When choosing timeless furniture, wood is often the first material that springs to mind. While solid wood is often
more expensive than other types, it boasts a distinctive aesthetic and durability that will look great year after year.
Whether you’re purchasing an oak cabinet for the living room or some luxury walnut bedroom cabinets, solid
wood is an effective way to add a high-end, comforting appeal to your home.

Prioritize Energy Efficiency

Energy efficiency is now one of the highest priorities for homeowners as it can make a significant difference in the
cost of utility bills. While adding energy-efficient features may be a large initial investment, the sooner you start
making the changes, the greater your savings will be – so we recommend optimizing your new home right away.

Some essential areas to evaluate energy efficiency are the boiler and the loft. Poorly insulated lofts can be a major
cause of energy wastage, even if all of your other appliances are in premium condition. If appliances such as your
boiler aren’t in a premium condition, however, this could only add more costs to your energy bills, particularly if it
breaks down during the winter months.

To keep track of your heating usage and spot issues early, a smart heating system is a great way to monitor your
spending. Smart heaters allow you to add more thermostats and controls to different rooms, including hot water
and heating – making this a logical investment for any first home.

Read what clients have to say about Clark on his listing by clicking on the link below! 

Clark Dziadyk is a Trusted Saskatoon Realtor 


Contact Clark today for your Saskatoon Real Estate needs.


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

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 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 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 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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