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If you’re thinking about moving, you have to make a decision: do you buy your new home first and then sell your old one? Or sell first and then buy?

 

The biggest obstacle to selling first is that you may have to move twice – first into a rental, then again into the next home. Many buyers need to sell first in order to free up cash to purchase a new home. If you buy before you sell, making a contingent offer on the new home or taking out a bridge loan can make your decision, and the moving process, easier. But there are some important factors worth considering:

 

  • An offer to purchase a new home that’s contingent upon the sale of your current home can be "bumped" if another buyer makes an offer that is not contingent.

 

  • To make the contingent offer more appealing to the seller, many buyers offer full price. But making a contingent offer may cost you negotiating leverage on both ends. A full price offer to the seller means you lose the ability to negotiate the sale price, and also puts pressure on you to accept a lower price on your current home in order to sell it quickly.

 

  • A bridge loan provides interim financing to “bridge the gap” until your first home sells. It also means making two house payments until your old home sells, so you need to decide how long you will be comfortable paying for two homes at the same time.

 

Your decision to buy first or sell first depends on your individual circumstances and the market conditions in your area. Please call or send me an email if I can help with more information to make your decision easier.

 
 
Thanks,
 
Ryan Gillen
 
7807008355
 
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Recent news stories about so-called ‘subprime’ loans illustrate that it’s a good idea to shop carefully for a loan, especially one whose payment amount won’t abruptly increase and jeopardize your ability to make monthly payments and possibly lead to foreclosure.

 

If you’re shopping for a loan, here are some important things to ask a prospective mortgage broker:

 

  • What will his total compensation be from you and the lender for the loan he helps you to get?

 

  • How will her compensation vary depending on what type of loan you choose or which lender makes the loan?

 

  • Is he willing to work for a flat fee agreed to in advance and to rebate to you any additional compensation he receives from the lender?

 

  • How many lenders does she work with on a regular basis? Do any of them account for a majority of her business?

 

If you are thinking of purchasing a home, I can help you. I have a team of professionals to help you select a loan that will be best for your needs.

 

If you are considering a refinance, a home evaluation can give you a good idea of what your home is worth and I can give you a general price range right online based on recent sale prices of comparable homes in your area. For a more precise estimation of value, I can drop by for a quick review of your home.

 

Please phone or email me for more information. I am happy to help you, your family and friends.
 
 
Thanks,
 
Ryan Gillen
 
7807008355
 
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As the price of energy continues to rise, so too does the importance of using it efficiently in your home.

 

Increasing your home’s energy efficiency doesn’t cost a lot and the financial savings can add up quickly. Plus, when you decide to sell, the resulting lower utility costs give you a marketing advantage with today’s savvy buyers.

 

Take these 5 steps to make your home more efficient:

 

  1. Replace your old thermostat with a new programmable digital model.

 

  1. Replace incandescent light bulbs with compact fluorescent lights (CFLs).

 

  1. Replace the seal around your refrigerator and freezer doors.

 

  1. Get a furnace tune-up and replace the filter every three months.

 

  1. Install a ceiling fan to circulate warm air from the top of a room down to the bottom.

 

Many utility companies offer free energy audits that show you where your home is wasting the most energy. The audit pinpoints areas for home improvement.

 

Please call or send me an email if I can provide more tips for home maintenance. If you are considering selling, an energy efficient home is an added selling feature. Let me know how I can help you with any of your real estate needs.
 
Thanks,
 
Ryan Gillen
 
7807008355
 
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Property Photo: # 410 13825 155 AV in EDMONTON
I have listed a new property at # 410 13825 155 AV in EDMONTON.
Gorgeous brand new top floor 2 bdrm,2bth apartment condo,14 foot ceilings with huge double tier windows make this bright and spacious.Extra upgrades include extended expresso cabinets to ceilings with crown moulding accenting,tiled backsplashes,oversize kitchen island with extra storage, extra large master bedroom,top of the line stainless steel appliances.Building has been built stringently to ensure top quality construction and finishing throughout.The finishing touch is TWO underground parking stalls assigned adjacent to the elevator!Can't beat this value.See it love it,overlarge balcony terrace has view of city lights and countryside. This unit has special features none of the others in the building have!
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Property Photo: # 505 10135 SASKATCHEWAN DR in EDMONTON
I have listed a new property at # 505 10135 SASKATCHEWAN DR in EDMONTON.
JUST REDUCED!!! Awesome two bedroom condo in Cranleigh Towers. Great location on Saskatchewan Drive overlooking the River Valley. Offering sweeping panoramic views of the river valley and downtown from the huge balcony. This large corner unit has spacious rooms throughout. Features heated underground parking The suite also offers a large storage room. One of the very few units in the building that has INSUITE LAUNDRY. The amenities include a lovely swimming pool, exercise room, sauna and there is ample convenient visitor parking. Very quiet and well managed building. Overall this is an excellent condo in a superb location with easy access to downtown, Whtye Ave and University of Alberta. Condo fees include heat, water and power!
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I have listed a new property at # 106 530 HOOKE RD in EDMONTON.
Enjoy luxury living in Canon Ridge. This beautiful 1 bedroom + den offers scenic views, full air conditioning, an open concept, under cabinet lighting, fresh paint, convenience of parking right outside with access through patio door, fabulous amenities such as a party room with large screen TV and pool table, video security entrance, car wash, fitness room and sauna. Right off the master bedroom is a large balcony with gas hookup. ALso comes with in suite laundry, condo fees of $277 which includes heat and water with almost 1000 sq ft of living space.
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I have listed a new property at 102 10046 110 ST in Edmonton.
Welcome to the Uptown Lofts. This condo is located in the heart of downtown with access to so many amenities. In this upgraded unit you will find ceramic tile, dark hardwood flooring, and both bathrooms have been recently renovated. The open floor plan is great for entertaining whether it is in the spacious kitchen or by the cozy fireplace in the living room. This property also comes with two very large and private balconies. The master bedroom comes with a walk-in closet and a beautiful en-suite bathroom. The second bedroom is a great size and the second 4 piece bath is just across the hall. Don't miss out on this chic well located condo.
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I have listed a new property at # 162 5604 199 ST in EDMONTON.
This very nicely finished end unit condo has a number of high end finishes that will be sure to please even the fussiest of buyers. The bottom level is a secure 2 car garage. The top level has 2 master bedrooms both with 4 piece bathrooms. You will definitely want to see this condo!
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I have listed a new property at 207 SUMMERTON CR in Sherwood Park.
Looking for the perfect starter home in the beautiful community of Sherwood Park? Escape to SummerWood, and you will find this immaculate bi-level with over 1000 sq feet of spacious yet practical living space. This home features 2 bedrooms, 2 baths, stainless steel appliances, maple cabinets, warm colors throughout, gas fireplace, double detached garage and large back yard with RV parking. This home is close to fully landscaped parks, paved walking trails, family friendly playgrounds. This home is priced right and you will see the outstanding value the minute you walk through the door.
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I have listed a new property at # 318 17011 67 AV in EDMONTON.
HIDDEN GEM! This 3rd floor, small pet friendly, condo located close to all amenities has it all. Imagine cooking in your beautiful open concept kitchen that flows to a large living room and dining room area warmed by a Fireplace. This 2 bedroom condo includes 2 full bathrooms, one of which is an ensuite in the master bedroom which is complimented with a very large closet. Off the spacious living room is an even larger balcony perfect for entertaining and BBQ'ing on hot summer evenings. Park your vehicle in the secure, heated, oversized underground parking stall that is included with this suite. The pictures do not do it justice! This one has to been seen in person to appreciate the standard of quality put into this condo. 1 Minute walk to the YMCA and all amenities.
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I have listed a new property at 16 SHORES DR in LEDUC.
Absolutely gorgeous custom built bi-level in 'The Shores of Bridgeport' with lake view. This beautiful home has over 2500 sq ft of living space. The main level boasts Brazilian cherry hardwood floors and slate tiling throughout. Spacious kitchen with gorgeous maple cabinetry, centre island with raised eating bar, stainless steel appliances and corner pantry. Large nook area with patio doors leading to the large deck. Spacious living room with cozy 3-sided gas fireplace and huge windows letting in plenty of natural light. Two bedrooms and 4 pce bathroom on the main floor. Large master bedroom with walk-in closet and gorgeous ensuite with separate stand up shower and jacuzzi tub. Fully finished WALK OUT basement with large family room, wood burning fireplace, additional bedroom and 4 pce bathroom. Huge yard with dog run. Built in speaker system in all bedrooms. Spacious TRIPLE CAR GARAGE. This home shows very well with pride of ownership throughout. Excellent location within minutes to all amenities.
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I have listed a new property at # 505 10135 SASKATCHEWAN DR in EDMONTON.
JUST REDUCED!!! Awesome two bedroom condo in Cranleigh Towers. Great location on Saskatchewan Drive overlooking the River Valley. Offering sweeping panoramic views of the river valley and downtown from the huge balcony. This large corner unit has spacious rooms throughout. Features heated underground parking The suite also offers a large storage room. One of the very few units in the building that has INSUITE LAUNDRY. The amenities include a lovely swimming pool, exercise room, sauna and there is ample convenient visitor parking. Very quiet and well managed building. Overall this is an excellent condo in a superb location with easy access to downtown, Whtye Ave and University of Alberta. Condo fees include heat, water and power!
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