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	Buying vs. Rent Calculator.
		Savings: Buying   In many cases, the amount of money a renter spends on rent can be about the same as or less than the amount a homeowner spends on a mortgage. With the tax benefit for homeowners, the savings can be significant. Buy vs. Rent Comparison The chart below shows a cost comparison for a renter and a homeowner over a seven year period. The renter starts out paying $800 per month with annual increases of 5% The homeowner purchases a home for $110,000 and pays a monthly mortgage of $1,000 After 6 years, the homeowner's payment is lower than the renter's monthly payment With the tax savings of homeownership, the homeowner's payment is less than the rental payment after 3 years  This is just for an example, interest rates change.   Years Rent Payment Mortgage Payment Monthly Difference After Tax Savings Yearly Difference After Tax Savings 1 800 1000 -200 -50 -2400 -600 2 840 1000 -160 -10 -1920 -120 3 882 1000 -118 +32 -1416 +384 4 926 1000 -74 +76 -888 +912 5 972 1000 -28 +122 -336 +1464 6 1021 1000 +21 +171 +252 +2052 7 1072 1000 +72 +222 +864 +2664 8-30     Savings increase every year
		Monthly Expenses: Buying Your rental company takes part of your rent payment to cover certain housing expenses. When you decide to purchase a home, you accept responsibility for paying for these expenses (listed below). They are additional costs to your monthly mortgage payment and should be included in your budget estimates: Property Taxes and Special Assessments Home/Hazard Insurance Utilities Maintenance Membership Fee: It may pay for recreational facilities and other services (cable TV).

BUYING:

 I CAN HELP YOU UNDERSTAND THE PROCESS FROM START TO FINISH SO YOU ARE COMFORTABLE AND CONFIDENT.

 THIS DOESN'T HAVE TO BE A DIFFICULT TASK TO BUY A HOME. IT SHOULD BE A MEMORABLE EXPERIENCE.  JUST ASK ME HOW! 

 SOME OF THE WAYS FOR ME TO ASSIST YOU SO YOU WILL HAVE A SMOOTH PROCESS OF BUYING YOUR NEW HOME:

• GATHERING INFORMATION FROM YOU TO SEE WHAT YOU ARE TRYING TO ACHIEVE, PRICE RANGE, TIME FRAME, CRITERIA AND NEEDS VERSES WANTS
• EXPLAIN  BANKING INSTITUTIONS, MORTGAGE BROKERS, PRE-APPROVAL FOR MORTGAGES AND CURRENT INTEREST RATES
• DISCUSS THE MARKET CONDITIONS IN OUR AREA, TYPES OF RESIDENCES, OWNERSHIPS AND HOW IT PERTAINS TO YOU
• I WILL LINE UP PRIVATE VIEWINGS FOR YOU TO SEE THE HOMES YOU HAVE CHOOSEN FROM  VARIOUS METHODS OF ADVERTISEMENTS
• PROVIDE  FULL COLOUR INFORMATION SHEETS WHILE WE ARE VIEWING THE HOMES SO YOU CAN REFER TO THEM LATER FOR COMPARISIONS
• EXPLAIN THE TYPES OF AGENCY RELATIONSHIPS IN REAL ESTATE WITH THE REALTORS®, BROKERAGE AND OTHER PARTIES.
• TYPES OF OWNERSHIPS IN REGISTERING TITLE TO LAND
• GOING OVER THE DOCUMENTS AND PAPERS BEFORE HAND SO THERE ARE NO SURPRISES WHEN WE DO FIND A HOME YOUR INTERESTED IN
• EXPLAINING THE TERMS, DEPOSIT PROCEDURES, HOW TO CALCULATE IF THE PRICE IS WITHIN MARKET VALUE, WHAT CONDITIONS OR SUBJECTS TO ADD SO THE BUYERS IS PROTECTED, AND ESTABLISH CLOSING AND POSSESION DATES.
• DRAFTING THE CONTRACT OF PURCHASE AND SALE (ALSO KNOWN AS THE OFFER) SO IT IS EFFECTIVE AND LOOKS APPEALING TO THE SELLERS (VENDOR)
• THE POSSIBILITY OF IT BECOMING A MULTIPLE OFFER SITUATION
• HOW I PRESENT YOUR OFFER TO THE SELLER AND THE SELLER'S AGENT AND WHY, WHAT THE SELLERS OPTIONS ARE NOW
• HOW TO BE READY FOR A COUNTER-OFFER
• HOW TO REMOVE YOUR SUBJECTS BEFORE COMPLETION, AND WHAT ELSE IS ENTAILED IN THE COMPLETION OF AN ACCEPTED CONTRACT
• FOLLOW UP WITH YOU AFTER THE SALE OF YOUR HOME TO MAKE SURE YOU ARE SATISFIED WITH MY SERVICES AND YOUR NEW HOME

SELLING:  

LET ME DO THE WORK AND YOU CAN BE OFF DOING THINGS YOU THOUGHT YOU DIDN'T HAVE TIME FOR.

SOME OF THE WAYS FOR ME TO ASSIST YOU WITH SELLING YOUR  HOME:

• DETERMINE A REALISTIC MARKET  VALUE OF YOUR HOME FOR PRIMARILY ITS LOCATION,SIZE, AND AGE
• TRANSLATE THE CURRENT MARKETING TRENDS AND STATISTICS
• COME UP WITH AN AGREEABLE MARKETING PLAN TO PROMOTE YOUR DWELLING
• SIGNING A LISTING AGREEMENT AND A PROPERTY DISCLOSURE STATEMENT FOR YOUR HOME
• TIPS ON WHAT WILL IMPROVE THE LASTING IMPRESSION ON BUYERS WHEN VIEWING
• MAKE ARRANGEMENTS THROUGH OPEN HOUSES AND VIEWINGS TO SHOW YOUR HOME ALONG WITH FEEDBACK
• EXPLAIN THE STEPS FROM FIRST TAKING ON THE LISTING ALL THE WAY THROUGH SELLING
• THE AGENCY RELATIONSHIP WITH THE REALTOR® , REMUNERATION, AND EVEN DEALING WITH MULTIPLE OFFERS
• ASSIST YOU IN GATHERING PAPERWORK (EXAMPLES TITLE SEARCH,TAX ASSESMENTS, MUNICIPAL FILE, UTILITY BILLS,PERMITS,)

 THIS IS CAMPBELL RIVER, BRITISH COLUMBIA   - WHY LIVE ANY WHERE ELSE??