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Guiding You Home: Why Choose Century 21?
Purchasing a home is one of life's most significant financial decisions, and it's perfectly natural to have a myriad of important questions swirling around your mind. But here's the thing: You don't have to navigate this complex process alone.
When you choose to work with a CENTURY 21® REALTOR®, you're not just hiring someone to facilitate a transaction; you're gaining a trusted partner who will walk alongside you every step of the way. From the initial search to the final closing, I'm committed to providing you with the guidance, support, and expertise you need to make informed decisions and find the home of your dreams.
In a world where real estate transactions can sometimes feel impersonal and overwhelming, I'm is here to offer a personalized approach that prioritizes your unique needs and goals. So, why not leverage our experience and industry insight to help you navigate the intricacies of the housing market with confidence and peace of mind? With a me on your side, you can rest assured that you're in capable hands as you embark on this exciting journey towards homeownership.
We are here for you
Buying a home is one of the largest financial transactions you will make in your life, so there are many important questions to consider when purchasing a home. A CENTURY 21® REALTOR® goes beyond the transaction and will be there with you every step of the way. Trust the experience of a CENTURY 21 Realtor to help you find your dream home.
What will we look at during the home buying process?
Location: Proximity to schools, public transportation, amenities, and job centres. Also, research the neighbourhood's crime rate, future development plans, and overall desirability.
Property condition: Signs of structural issues, water damage, or necessary repairs, professional inspection.
Property size and layout: Ensure it meets your needs or the needs of potential renters.
Market trends: Research and look for areas with increasing property values and strong rental demand.
Potential for appreciation: Potential to appreciate in value; let's find out if theres any planned infrastructure improvements or revitalization projects.
Rental income potential: Ensure that the rental income will cover your expenses and provide a positive cash flow.
Financing options: Explore your financing options and choose the mortgage that best suits your financial situation. Consider factors like interest rates, loan terms, and down payment requirements. Talk to a mortgage broker, if you don't have one let me know I can provide you with a list of excellent mortgage brokers!
Long-term investment goals: Consider your long-term investment goals when purchasing a property. Are you looking for a short-term flip or a long-term rental investment? Your goals will influence the type of property you should buy and how you manage it.
Regulatory considerations: Be aware of any zoning restrictions, homeowners association rules, or local regulations that may affect your ability to use or rent out the property.
Overall affordability: Affordability, taking into account ongoing expenses and potential vacancies if it's an investment property.
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HOME BUYER'S GLOSSARY
AMORTIZATION PERIOD
The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.
APPRASIAL
The process of determining the market value of a property.
CLOSED MortgageS
A mortgage that can not be prepaid or negotiated for a set period of time without penalties.
Closing date
The date on which the new owner takes possession of the property and the sale becomes final.
Collateral
An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.
Deposit
A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.
Equity
The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.
MORTGAGE
A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.
Term
The period of time the financing agreement covers. The terms available are; 6 month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.
Investment Newsletter
Calgary's housing market remains tight despite a projected slowdown in migration. The city's sustained population growth, fuelled by both international and interprovincial migration, continues to drive demand.
“For five consecutive quarters, net migration has exceeded 30,000 people per quarter, reaching a record high of 56,306 in the third quarter of 2023.” (Campbell, Shantaé 2024)
Limited supply, especially in lower-priced homes, has led to significant price increases, creating a seller's market. Despite anticipated increases in new listings, the imbalance between supply and demand suggests continued opportunities for growth in 2024.
Campbell (2024) qtd. “The challenge was limited supply, especially for low-priced homes with the strongest demand. This resulted in significant price growth with the largest gains in our lowest-priced homes.”
Market Update
In April, Calgary witnessed a 7.3% surge in home sales compared to the previous year, as reported by the Calgary Real Estate Board (CREB) (Calgary Real Estate Board, 2024). This increase was predominantly driven by a rise in the transactions of relatively more affordable, higher-density properties. Specifically, 2,881 units were sold during this period (Calgary Real Estate Board, 2024). The benchmark price for all types of homes in April was $603,700, reflecting a 9.9% increase from the previous year and a 1% rise from March (Calgary Real Estate Board, 2024).
Furthermore, there was an 11.5% increase in new listings compared to the previous year, totaling 3,491 (Calgary Real Estate Board, 2024). However, the inventory of available homes experienced a 16.2% decline from the previous year, with 2,711 units in stock, which is notably lower than the typical April levels (Calgary Real Estate Board, 2024).
Ann-Marie Lurie, the chief economist at CREB, attributes this trend to persistently high-interest rates, which have led to increased demand for more affordable properties and a simultaneous rise in listings for higher-priced ones (Calgary Real Estate Board, 2024). Specifically, there was a 29% decline in the supply of homes priced below $500,000, while there was an increase in supply for homes priced above $700,000 (Calgary Real Estate Board, 2024).
Properties in Calgary were on the market for an average of 20 days in April, marking a 14.4% decrease from the previous year (Calgary Real Estate Board, 2024).
Bibliography
Calgary home sales jump in April being driven by lower-priced houses: board. (2024). In The Canadian Press. Canadian Press Enterprises Inc.
Campbell, S. (2024). Housing supply in Calgary to remain tight: board; Real estate; Seller’s market. National Post (Toronto).
CENTURY 21 Bravo Realty
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CENTURY 21 Bravo Realty
3009 23 St NE, Calgary, AB T2E7A4
(403) 250-2882
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