spring cleaning real estate comox valley

Preparing to Sell: Get your Spring Cleaning Done Faster

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Spring cleaning your home or condominium in the Comox Valley can seem like a great idea until you actually get started. Then it often turns out to be more work than expected! The good news is, there are proven techniques to make the job easier so you can get it done faster.

Plan ahead for Spring Cleaning in Comox Homes

Before you begin the project, make sure you have everything you need: hammers, boxes, tape, garbage bags, etc. Think of the supplies you’ll need and the tools that will make tasks easier. You don’t want to waste time on frequent trips to the store.

Move without Injury!

Consider renting a small moving trolley (AKA hand truck.) That will make it much easier to move heavy objects, such as furniture, as you’re cleaning. You can probably rent one from a local home improvement centre.

Donate what you Don’t Plan on Using

Plan how you’re going to dispose of waste and unwanted stuff. Find out where you can donate clothes, toys, furniture, and other items. There are many places to do this in Courtenay and Comox. Note the location of your local garbage disposal in Cumberland and its hours of operation.

Make a List

Divide tasks into “heavy work” and “light work” and then do the heavy work first, such as moving furniture, reorganizing rooms, etc. Only after completing the heavy work should you dive into the “light work”, such as packing boxes and sweeping.

Ask for Help!

Consider getting help. There are many services available that will assist with cleaning, painting, junk removal, repairs, and more. You can even hire a student to assist you for a weekend.

comox first time buyers

First-Time Buying Pitfalls to Avoid

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Buying your first home is a major life milestone. It is possibly one of the biggest decisions you’ll ever make. It is a major financial and long-term commitment. It is not possible or realistic to be ready for every possible outcome. However, it is possible to prepare for potential pitfalls you may run into during the home-buying process whether it is a house or a condominium in the Comox Valley or any other jurisdiction. Attempting to manage without professional assistance

The buying process starts with the expert assistance of a REALTOR® and mortgage broker. REALTORS® have responsibilities of confidentiality, the utmost care, and loyalty, and are bound by a Code of Ethics. They will inform you regarding essential facts which affect current market conditions. They will also protect and promote your interests. They will discover facts pertaining to a property in order to avoid error or misrepresentation. They will ensure transaction agreements are presented in writing in clear and understandable language.

Experienced professionals will inform you of all the expenses directly related to the real estate transaction. Mortgage brokers will help you get pre-approved and depending on your credit rating and down payment they will design a home-buying timeline. It could take a bit longer to realize your dream if you have bills and loans to pay off or don’t have enough saved for a downpayment.

Overlooking assistance programs and hidden costs of homeownership

As a first-time buyer, it’s definitely worth looking into assistance programs available for first-time home buyers in Canada. In a bid to make homeownership more affordable, the Government of Canada has several federal programs. These include the Home Buyers’ Amount Tax Credit (HBA) the Home Buyers’ Plan (HBP), and the First-Time Home Buyer Incentive.

Provincial governments also offer first-time buyers land transfer tax refunds. Canada Mortgage and Housing Corporation (CMHC) offers mortgage loan insurance. Each assistance program isn’t applicable to all buyers. Taking the time to learn about them to see if you qualify and what could work for you is worthwhile.

Your mortgage isn’t the only cost you’ll need to take into account when buying a home. When it comes to closing costs, it’s best to have more funds available than not. Those costs will vary depending on your particular circumstances. They could amount to 1.5% to 4% of the purchase price.

Another often overlooked expense is moving costs when budgeting for a first home. As well, there are home inspection fees, legal or notarial costs, and fees associated with different taxes and interest.

It’s important to factor in these expenses when figuring out how much you need to save. First-time home buyers should also remember about expenses associated with purchasing appliances, furniture, and window coverings as not all homes come with all of them included. All of these costs add up…

Moving too fast or purchasing more than you can afford

Hastily charging forward can and likely will cost you in the long run. It’s strongly recommended that you have a home-buying timeline mapped out with your REALTOR® and mortgage broker well in advance. This will enable you to work through any potential credit report issues that may prevent you from being pre-approved for a mortgage.

The Canadian Real Estate Association has a Homebuyers’ Road Map to help guide you through the journey along with your REALTOR®.

Another related pitfall is buying more than what is actually affordable. It’s tempting to want to step even just slightly outside of your budget when you feel you’ve found that “unicorn” house. Unfortunately, as with moving too quickly to the purchasing finish line, overextending yourself can cause problems. In the event of falling upon financially tough times in the future, it can prove to be insurmountable. Finding a home that meets all of your wants and needs is next to impossible. Be honest with your budget, taking into account lifestyle expenses like dining out, travel, and weekend getaways. These all add up. If you’re already at your maximum budget, look for a more affordable option. This will allow you to still have a life and build equity. You can upsize or change when the time is right.

It’s a good idea to think about a realistically affordable monthly payment. Rather than looking at the maximum mortgage you’re eligible for, scale it back a bit. That way you will be able to maintain other important financial obligations. You’ll also have some wiggle room in the event of an emergency.

Above all else be prepared

Making the decision to buy your first home isn’t something to take lightly. Even with all of your research, it can still be overwhelming. There will likely be lots of tips, tricks, and anecdotes from family, friends, and colleagues about their buying experiences too. Your REALTOR® can help you navigate the process and answer any questions you have. Their expertise will be invaluable along your home-buying journey.

Your REALTOR® can also help along the way by recommending other professionals if necessary. They are there to provide guidance throughout and help make it a smooth process. Ensuring you have trusted professionals to answer your questions accurately and provide sound advice is the foundation to build upon when searching for your first home.

Remember, you shouldn’t wait until the last minute to reach out to a REALTOR®. Working with a professional from the beginning of your home-buying journey can help you feel more prepared.

houses for sale in Comox

How to Spot Potential Issues With Houses for Sale in Comox?

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When it comes time to purchase houses for sale in Comox, it’s important to be wary of potential issues with the property. Oftentimes, it can be easy to get distracted by all of the features you love. For instance, the high ceilings, large windows, or gorgeous views. Because of this, potential issues like cracks in the walls, broken climate control, and numerous other problems can go amiss. Before you buy a home, it is crucial that you understand what you’re getting into. With housing prices and interest rates the way they are, the last thing you want is to spend thousands of dollars on home repairs. In order to avoid this, we have put together a list of ways to help you uncover potential problems in a home. Follow along below to learn more!

Ways to Avoid Purchasing a Faulty Home

  1. View the Home in Person

It can be tempting to choose a home based on the pictures and videos posted online. However, images can be deceiving. It’s hard to get a good feel for the home and uncover potential issues solely by viewing a home online. In order to get a thorough sense of the property, visiting in person is a must. During the in-person showing, be sure to ask questions about potential issues. For example, if you notice the roof is in poor condition, ask when it was last redone. Or, if the utilities don’t appear to be working properly ask about when they were installed. Generally, if you notice something that looks like it could be a problem, there’s a good chance that you’re right. 

  1. Get a Home Inspection

One of the best ways to avoid buying a home with lots of repairs is to have a home inspection done. Avoiding a home inspection is one of the worst mistakes a buyer can make. Home inspectors will be able to detect “hidden” issues and assess the overall condition of the property. Before you make any final decisions, this step is highly recommended. 

  1. Check the Property Disclosure Statement

Sellers in British Columbia are obligated to provide a property disclosure statement to the buyer. This statement includes details about any existing issues with the home. Furthermore, it explains what needs to be done in order to fix the issues (if any). Property disclosure statements are legally binding and intended to protect both the buyer and seller in a real estate transaction. 

Contact me About Houses for Sale in Comox!

If you are looking for houses for sale in Comox, contact me today! I’d be happy to help you find the right home to buy. For more information about properties in the area, stay tuned to my blog. And, check out my social media for the latest updates and more. I look forward to working with you soon.