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 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

Trusted Saskatoon Realtor Clark Dziadyk Passes a Mystery Shop

The Trusted Saskatoon businesses become Partners with a contract, and they become part of a community. In a community, we all have our parts to play to ensure the directory maintains the standards and high level of integrity that it does. To ensure that our partners are upholding these guarantees on a daily basis we have a MYSTERY SHOPPER PROGRAM, where normal everyday people mystery shop our Trusted Saskatoon Partners. We then get our mystery shoppers to fill out a report to tell us about the experience!


Our latest business to be mystery shopper is Clark Dziadyk a Trusted Saskatoon Realtor.


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.


Clark Dziadyk - Trusted Saskatoon Realtor- Mystery Shop





TRUSTED COMPANY: Clark Dziadyk - Realtor

Date: April 12, 2019

Name of Shopper: Stephanie


 Mystery Shop Checklist

1. How was the greeting/ welcome/ call answered?: Fantastic! I emailed him, he called me back while on holidays.

2. If retail: Appearance of the store/staff and showroom?: N/A

3. Product/industry knowledge of staff?: Excellent.

4. If a quote is required is the quote well laid out/ clear?: N/A

5. Did they ask where you found them?: Yes.

6. Overall experience 1-10: 100.

7. Would you return as a customer/ recommend them to close friends?: Absolutely!

8. Did anyone stand out as exceptional? If so who? Why?: Clark Dziadyk - see attached.

9. If you made a purchase/booked a job how was the process? Yes.

 

If so refer to the Trusted Guarantees and give an overall mark on each if applicable.

 

TRUSTED GUARANTEES 

1. Provide the service and quality promised. 10

2. Complete the job on time. N/A

3. Charge the price quoted with NO surprises. N/A

4. Communicate honestly and be responsive to customer needs. 10

5. Resolve any issues with customer satisfaction in mind. 10

 

Please share any other comments relating to your experience with the company. 

Throughout my time with Clark, he has continuously wowed me. Not only as a realtor but also as a person. He is one of the most genuine, decent, selfless human beings I have ever met! From the very first call... which he made to me while he was on holidays within a few hours after my initial email to him... I knew I was in excellent hands. This man definitely picked the right career path. I felt as though he just "got me." Pretty sure he knew which home I was going to pick before I even did. I would be so lost without Clark... things I wouldn't have thought of, he did. His commitment to ensuring due diligence was... wow! He continually kept me updated, he knew what I needed before I did. He's professional, calm (which kept me calm haha,) and he always kept my best interests at the forefront of everything! The end result is I got the house I wanted, at the price I wanted, with a sweet bonus that would have fallen through if it wasn't for Clark! I am so incredibly thankful for him!


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 Realtor Marla Janzen Landscaping Tips For Best Curb Appeal

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





Categories

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

GET THE APP

App Store Google Play
Follow us on Facebook Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting