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Real Estate Resource Guide 2011–2012 – 1

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2 – Real Estate Resource Guide 2011–2012

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Maple Ridge and Pitt Meadows: Reasons to Invest

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For the past four years The News has proudly published the A-List. Th is survey of the community includes a question asking voters to tell us why they choose to live in Maple Ridge or Pitt Meadows. For years, voters have told us a family friendly community, affordability, the beautiful views of the river and the mountains, community events and access to outdoor activities are the top reasons for living here. In addition to what our residents have told us in our A-List, here are more reasons to choose one of these two communities, when deciding where to invest in real estate. Education & Culture • School District 42 provides innovative educational services to 15,000 students annually. • Independent schools include Meadowridge, one of the most accredited in North America. • More than twelve post secondary campuses nearby produce a steady supply of highly skilled workers. • Countless community events and wellestablished festivals including an agricultural fair, outdoor concerts, weekly Farmers’ Market and parades and community celebrations. • Active theatre, arts, history and cultural groups. Growing Economy • Maple Ridge and Pitt Meadows together was the ‘#5 Top Canadian Investment City’ by the Real Estate Investment Network (REIN) in 2010. • The communities were the ‘#2 top BC investment town’ & ‘the place to live for lifestyle’ by REIN in 2010 and 2009. • Both communities have a welcoming business climate ensuring residents have access to a wide variety of businesses. • Located on the doorstep of Canada’s 3rd largest city, Vancouver, and less than 30 minutes from the US border.

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Bonnie Telep The advantage of using Bonnie Telep is that she offers her clients more options with access to hundreds of mortgage products. She works with all the major banks and credit unions in order to secure the best interest rate and product for your individual needs. The result is you have the security of knowing you are getting the best mortgage for your needs. Remember, the Bank works for the Bank, BONNIE WORKS FOR YOU!

604-467-9300 22519 Dewdney Trunk Road Maple Ridge, BC V2X 7X7

Continued on page 4

Real Estate Resource Guide 2011–2012 – 3

Maple Ridge and Pitt Meadows: Reasons to Invest countinued from page 3

Community Profiles MAPLE RIDGE

Connections • Two major bridges enhance access to the Lower Mainland and Fraser Valley. • Daily commuter train, the West Coast Express, gives residents easy access to downtown Vancouver. • Access to railways and the largest all-weather deep water port on the West Coast. • Access to two International airports; including YXX (Abbotsford) only 30 minutes away; and YVR (Vancouver) the second busiest airport in Canada. • Pitt Meadows Regional Airport (YPK). Balanced Lifestyle • Vancouver was rated North America’s top city for quality of life and was rated fourth in the world. – Mercer Report, 2010 • One of the fastest growing Metro Vancouver communities. • Most affordable housing in Metro Vancouver. – CMHC, 2009 • Sports & outdoor recreation is abundant; community sports facilities, hundreds of walking, hiking, biking & equestrian-friendly trails. • Cultural diversity is embraced and resources are available. • Full service Ridge Meadows Hospital serving both Maple Ridge and Pitt Meadows.

Population ......................................................75,051 Income Average Household ..................................$91,696 Average Family .........................................$100,489 Average Unemployment† .............................7.3% Housing Values Median Single Detached Home Cost*....$449,500 Average New Detached Home** ............$572,000 Largest Employment Sectors Retail Trade................................................12.2% Health Care and Social Assistance .........10.7% Manufacturing...........................................10.5% Construction ..............................................9.6% Educational Services ................................6.9%

PITT MEADOWS Population ......................................................18,000 Expected Population Growth by 2020 ........24,000 Population Age Median age ................................................38.3 years 25–44 years ...............................................29% 0–14 years ..................................................19% Median Household Income ..........................$64,748 Unemployment Rate (2001) .........................6.5% Source:†BC Stats, Oct 2010 *REBGV, Sept 2010, **CMHC, Aug 2010

SERVING OUR COMMUNITY, IN MORE WAYS THAN ONE. Serving the community is more than just being a great financial partner. As a result, we’re always finding different ways to get involved and support the people around us. Over the past five years, we’ve donated money and countless man-hours to local schools, charities and groups. It’s part of our belief that a caring credit union should not only look after its members, but also its community. BUSINESS BANKING • RETAIL BANKING • INSURANCE • WEALTH MANAGEMENT A division of First West Credit Union

4 – Real Estate Resource Guide 2011–2012

Professionals on Your Side It’s important you have a team of professionals working for you when you buy a home. REALTOR®—Provide advice, has knowledge about the community & neighbourhood, help you find the ideal home based on your needs/wants, negotiate the best deal for you, to write an offer of purchase, help arrange a home inspection. Mortgage Professional—Banks, credit unions, and mortgage brokers are the most commonly considered to lend money for a mortgage. You have a choice so find the right one for you. A great place to start is with the financial institution you have a relationship with but interview others so you can compare. Lawyer or Notary—To protect your legal interests, including reviewing contracts before you sign them, especially the Offer to Purchase. A lawyer or notary should be licensed, live or work in the area, understand real estate laws, regulations and restrictions, have reasonable fees, and be able to explain things in a language you will understand. Insurance Broker—An insurance broker can help you with insurance, including property insurance. Home Inspector—A home inspector will evaluate the property you are considering buying. A home inspection is a visual assessment of the foundation, doors, windows, roof, exterior walls, electrical, plumbing, heating, attic, overall of the building and the lot, to name a few. Appraiser—An independent appraisal can tell you what the property is worth, before you make an offer. This ensures you are not paying too much. Your REALTOR® can help you find an appraiser.

REALTORS® are Professionals Courtesy Real Estate Board of Greater Vancouver

Not all licensed or registered brokerages or real estate agents are REALTORS®. REALTOR® is a trademark identifying real estate licensees who are members of The Canadian Real

LifeStyles Realty

Terri Smith

HOW REALTORS® HELP Courtesy Real Estate Board of Greater Vancouver

Buying or selling a property can be complicated no matter what type of property. It’s also a significant financial transaction. Therefore, it’s important to get the best help you can. REALTORS® provide you with protection against misadventure and fraud. They stay current on information by participating in ongoing professional education programs. They make use of the MLS® property database to help you sell your property or find a new home. They have marketing and negotiating skills that will help you make the right purchasing or selling decision.

Estate Association. All REALTORS® in BC are licensed and accountable to the Real Estate Council of BC, the provincial government’s regulatory real estate licensing agency. This agency administers the Real Estate Services Act, BC’s legislation governing real estate. REALTORS® are subject to a higher standard than the minimum required by the Real Estate Services Act. REALTORS® are members of real estate boards and are required to adhere to the Canadian Real Estate Association’s REALTOR® Code and Standards of Business Practice. Both the Real Estate Council of BC and the 12 BC real estate boards use a comprehensive investigatory and disciplinary process to deal with complaints. REALTORS® who are found to have breached either the legislation or REALTOR® Code are subject to sanctions by their board and/or the Council. REALTORS® are committed to continuing education and consistently refine and improve their skills and professional knowledge through participation in a mandatory Professional Development Program. Every two years, REALTORS® must complete a required number of course credits as a condition of continued membership in their Board. These courses are designed to keep REALTORS® up-to-date with new and changing information relating to real estate. As licensees, REALTORS® are also required by the Real Estate Council of BC to complete a re-licensing education program every two years.

For the way you live

LifeStyles Realty

778-988-1224 OFFICE: 604-466-2838 WEBSITE: E-MAIL:

My goal is for you to have the most professional and personalized real estate service possible.

BOB JOHNSTON 604-727-3445


Real Estate Resource Guide 2011–2012 – 5

Helping you is what we do™ Brookside Realty Sid Alamo

Tracy DeLair

Lennie Gullmes Lenni

Brenda Lyster



604-467-5000 25 years of service

604-240-0960 brendalyster

604-377-7765 randalldidiuk 5 years of service SRES - Senior Real Estate Specialist

Rolf Gullmes

Lori Magnuson

Pat Drummond

Ed Gurm

Steve Anderson 604-817-5285 steveanderson@ 13 years, Royal LePage Platinum, President’s Gold

Craig Appleby 604-467-5000

Luke Ash 604-349-7501 lukeash

Chad August 604-318-5254 7 years of service MLS Medallion, Platinum Award, Award of Excellence

Debra Bell 604-467-5000 18 years of service MLS Medallion, Platinum Award

Karen Bennett 604-463-3000 www.mapleridgerealtors. com 17 years of service MLS Medallion, Master Sales

Randall Didiuk

604-467-5000 patdrummond@ 22 years of service MLS Medallion, Royal LePage Lifetime Achievement, Diamond

Angela Dundas 604-857-3232 realestateangela@ 3 years of service Sales Achievement

Sarah Eales


Don Hart 778-988-4278 Sales Achievement

Ken Hemminger 604-467-5000 39 years of service

Jeanie Fox

604-240-3523 25 years of service


Chris Frandsen

Allan Carlson

Jana Fuller

604-202-2794 604-467-5000 www.bestproperty Jill Catudio 604-340-2944 Danny Gerbrandt 604-802-6694 danny@dannyandclaudio. com 604-463-2991 20 years of service MLS Medallion, Diamond, Award of Excellence

Gina Halinda

Nicole Hunt


Randy DeLair


604-202-7272 8 years of service MLS Medallion, Platinum Award, President’s Gold Award, Master Sales

604-467-5000 21 years of service Presidents Gold, Award of Excellence

Dawn Bickle

604-202-7653 26 years of service Platinum Award, Presidents Gold MLS Medallion, Presidents Club, Award of Excellence

604-765-8670 2 years of service

Dave Hyslop

Jim Isherwood

604-250-7755 jimisherwood@ 42 years of service MLS Presidents Club

Nicole Jackson 604-467-5000 nicolejackson@

Coleen Jennings 604-970-0876

Al Knuttila


Joel Lycan

604-466-1440 Don Gerbrandt 19 years of service 604-802-9848 Royal LePage Platinum Production Excellence

6 – Real Estate Resource Guide 2011–2012

604-467-5000 lorimagnuson

Jeremy McCarthy 604-467-5000

Taryn McKay 604-467-5000 22 years of service Presidents Gold, Platinum Award, Medallion Club

Rick Medhurst

604-463-3000 22 years of service MLS Medallion, Royal LePage Platinum

Michelle Neale 604-828-6797 8 years of service

Jennifer Nixon 604-999-2669

Jessica Norman 604-614-3390 jessicanorman@

Betty Olsen 604-240-5401 Master Sales, Sales Achievement

Debi Pearce 604-202-6917 8 years of service

Don Pearce 604-230-7917 20 years of service MLS Gold Medallion, Diamond Award, Award of Excellence

Ray Pelto

604-467-5000 39 years of service Royal LePage Diamond

Bob Quinnell 604-467-5000 bobquinnell@ 48 years of service MLS Medallion

Yolanta Siwinski 604-467-5000

Tammy Sonne 778-773-2707 tammysonne

Mary Spann 604-308-5088

Jim Quinnell

Laurell Swaré

604-466-4551 jimquinnell@ 20 years of service Directors Platinum, Award of Excellence MLS Medallion

604-788-4792 laurellsware@

Dave Rickard

Trevor Tache


Glenn Rogers 604-790-2345

Luke Rogers 604-780-2304 2 years of service

Greg Swatske 604-467-5000 604-760-3453 trevortache@ trevortache

Ralph Tedford 604-612-7005

Bob Terepocki 604-817-2920 bobterepocki@

Claudio Sartore

Vicky van 604-340-4167 Herwaarden 604-999-2452 MLS Medallion, Presidents Club, Award of Excellence Amanda Kevin Sass 604-467-5000 hemlockrealestate@

Tyra Sauriol


604-619-2164 amandavandenbrink@ 3 years of service


Bob vandenBrink

Chase Shymkiw


604-812-2894 Sandie Scherer 604-290-5181 R.I.(B.C.) Urban Land Economics 12 years of service Virginia 604-839-6495 chaseshymkiw@ chaseshymkiw

604-467-5000 Sales Achievement

Brookside Realty

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11933 - 224th St., Maple Ridge Real Estate Resource Guide 2011–2012 – 7

REALTORS® Can Help Save Buyers and Sellers Money Whether an individual is a buyer or a seller, or doing both, his or her goal is to get the best fi nancial deal on the home — and often that means having a qualified REALTOR® working in his or her corner. Those entering the real estate realm may have misconceptions about what’s involved. Oftentimes, individuals think they can go it alone and save money in the process. However, not having a knowledgeable agent to navigate the process can end up costing more money in the long run. An agent is not there just to open up houses for viewing or to simply put a For Sale sign on the front lawn. REALTORS® guide the seller or buyer through a complicated process of legalities and emotional hurdles. Agents also negotiate for the buyer and seller to help them make important financial decisions. W hen sel lers a re i nter v iew i ng REALTORS®, their primary focus is usually on the advertising that the agent will do. Advertising is important, but sellers need a strong negotiator to help get the best price and terms. Buyers should also look for agents who have strong negotiating skills and neighbourhood knowledge to help them make the most of their purchasing power. Individuals can expect a REALTOR® to help them navigate a process that, to first-time buyers or sellers, can prove intimidating. Buying a Home 1. Schedule a consultation to discuss what the buyer is looking for in a home. 2. The REALTOR® may suggest buyers speak with a mortgage consultant to figure out their buying power and obtain a mortgage pre-approval letter. 3. The agent will then look up home listings in a particular price range and help the buyers to view the homes. 4. When buyers find a home, the real estate agent will help them come up with a fair market price and write up the contract to present to the seller. 5. The agent will help the buyer negotiate on the final price with the seller.

6. The agent may be present during a home inspection, which is recommended. 7. The agent will then schedule the home appraisal. 8. He or she will then confirm the closing and be present at closing with the buyer and the attorney, if necessary. Selling a Home 1. The real estate agent will meet with the sellers and evaluate the home and property. 2. He or she will do a market analysis to determine the best price to list the house based on the neighbourhood and comparable sales. 3. The agent may make suggestions for repairs or improvements that can help make the home more attractive to buyers. 4. The real estate agent may present a marketing plan that indicates where the home will be advertised. 5. He or she will write up a listing agreement and begin the process of marketing the home. 6. An open house for real estate brokers may be scheduled. 7. An open house for buyers will be scheduled. 8. The agent will field calls from other agents and notify the seller when a viewing request has been made. 9. Follow-up feedback can be offered, which may include information the agent receives by making calls to people who viewed the home or by tracking how many potential buyers viewed the home listing. 10. When an offer comes in, the agent will notify the sellers and advise them of the negotiation process. 11. The agent will be present during a home inspection. 12. The agent will likely be present at the home closing with the real estate attorneys. Individuals buying or selling a home can certainly do it by themselves, but REALTORS® have the knowledge and provide assistance through the myriad steps of the process, helping individuals to save time and money.

8 – Real Estate Resource Guide 2011–2012

10 QUESTIONS TO ASK YOUR REALTOR® Courtesy Real Estate Board of Greater Vancouver

1. How long have you been a REALTOR®? 2. What is your average list-to-sales ratio? A good REALTOR® should hold a track record for how many properties they have listed to how many they have sold within a given time period. 3. How will your marketing plan meet my needs? In other words, How will you sell my home? Where and how often will you advertise? Do you have samples of past marketing efforts? 4. Will you provide references? 5. What separates you from your competition? 6. May I review documents that I will be asked to sign? 7. How will you help me find other professionals? 8. How much do you charge? 9. What kind of guarantee do you offer? 10. What haven’t I asked you that I need to know?

Buying or Selling? Contact one of the

John O’Grady

Jim Williams Realtor 604 463 2200 Selling? Do You Want The Most Money For Your Home? Let me Target Market your home to all lower mainland communities! Buying a home is easy with my specially designed MLS Buyer Software Tool. Available at 15,000 homes for sale at

WILLARD DUNN 604-818-8760

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Frank Budd Associate Broker/Realtor 604-724-5567 Search for new Maple Ridge listings on my sites Email:

Service you can trust. Real Estate Resource Guide 2011–2012 – 9

Using a Mortgage Professional Courtesy Dominion Lending

Choice—Mortgage brokers can provide wide range of mortgage products from various lenders to meet your specific financial needs. Advice—Mortgage brokers offer alternatives in selecting a mortgage product and other financial services that are best suited for your situation. Service—Mortgage brokers are available to meet you when & where it is most convenient. They manage the mortgage process to ensure you have a positive experience. Savings—Mortgage brokers may save you money by providing, on average, lower interest rates. Mortgage brokers do not all have access to the same lenders, so the available mortgages vary from broker to broker. It’s important to shop around with more than one broker, just as you would with financial institutions. Compare rates and features of the mortgages to help make the right decision for you.

There are generally two ways to get a mortgage in Canada: From a financial institution or from a licensed mortgage professional. While a financial institution offers products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions. Rather than lending money directly to you, brokers arrange transactions by fi nding a lender for their clients; therefore, offering choice and access to hundreds of mortgage products. As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs. Whether you’re purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.

make your house a home... with










#304 20285 Stewart Cres., Maple Ridge, BC Phone: 604-477-6841 • Fax: 604-477-6843

10 – Real Estate Resource Guide 2011–2012

Greater Vancouver home sales trend toward buyers’ market over summer eight per cent decline compared to the down slightly in each of the past two August marked the third consecutive 5,097 new listings reported in July 2011. months,” Setticasi said. “It’s important month that home sale activity in Greater Last month’s new listing total was the for people entering the market to underVancouver was below the 10-year average highest volume recorded for August in stand that activity can differ significantly for the month. In contrast, home listing 16 years. depending on the area and property activity in the region has exceeded the At 15,437, the total number of resi- type.” 10-year norm every month since the dential property listings on the MLS® Sales of detached properties on the beginning of the year. increased 1.4 per cent in August com- MLS® in August 2011 reached 1,020, an The Real Estate Board of Greater pared to July 2011 and rose 0.1 per cent increase of 14.2 per cent from the 893 Vancouver (REBGV) reports that resi- compared to this time last year. detached sales recorded in August 2010, dential property sales of detached, The MLSLink® Housing Price Index and a 25.4 per cent decrease from the attached and apartment properties on (HPI) benchmark price for all residential 1,367 units sold in August 2009. The the region’s Multiple Listing Service® properties in Greater Vancouver over benchmark price for detached properties (MLS®) reached 2,378 in August. Th is the last 12 months has increased 8.5 per increased 11.7 per cent from August 2010 total represents an eight per cent increase cent to $625,578 in August 2011 from to $888,243. compared to the 2,202 sales in August $576,597 in August 2010. Sales of apartment properties reached 2010, but also ranks as the third lowest “Year over year, prices are up. 955 in August 2011, a 2.1 per cent total for August in the last 10 years. However, in the detached home cat- increase compared to the 935 sales in “MLS® statistics continue to indicate egory, benchmark prices have come August 2010, and a decrease of 34.8 that we’re in a balanced per cent compared to the market,” Rosario Setticasi, 1,464 sales in August 2009. R E BGV pre sident s a id . The benchmark price of an “However, with a sales-toapartment property increased It’s the age-old question, do I sell my home actives listings ratio of 15 per 5.6 per cent from August 2010 before I buy, or do I buy my new home cent, Greater Vancouver is in to $407,457. before I sell? It’s natural to want to buy your the lower end of a balanced Attached property sales in new home first so you have the security of market and has been trending August 2011 totalled 403, a 7.8 knowing where you’ll be living. But there are advantages to selling first, buying later: toward a buyers’ market over per cent increase compared to f You’ll know how much your house the past three months.” the 374 sales in August 2010, is worth, so you can be sure of New listings for detached, and a 33.9 per cent decrease how much you can spend. at tached a nd apa r t ment from the 610 attached propf There’s a chance you won’t have to proper t ies in Greater erties sold in August 2009. make your offer subject to financing. Vancouver totalled 4,685 in The benchmark price of an August. This represents a attached unit increased 4.5 f You might be able to arrange a long 24.9 per cent increase comper cent between August 2010 closing to give you time to look. pared to August 2010 when and 2011 to $511,433. f It could be a stressful situation, but it’s 3,750 properties were listed also stressful to own two homes. for sale on the MLS® and an Courtesy Real Estate Board of Greater Vancouver


REAL ESTATE needs Anderson Anderson & TThompson hompson

for all your

604-463-6281 22311 - 119th Avenue, Maple Ridge, BC V2X 2Z2 Fax: 604-463-7497

For all of your real estate needs Call Brenda & Al Jenkins today! 604-467-3871

Alan C. Thompson

David Riddell

Lawyer/Notary Public

Lawyer/Notary Public

Real Estate Resource Guide 2011–2012 – 11

We never stop moving

604-467-9300 22519 Dewdney Trunk Road, Maple Ridge

Anny An 604-377-2568

Kim Fabbro 604-996-8350

Janet Murphy 604-351-6772

Danette Ball 604-467-9300

Helen Ferris 604-467-9300 Marshell Forster 604-561-4012

Elida Baxter 604-467-9300 Ron Fraser 604-467-9300

Dan Beyko 604-467-9300 mapleridgeliving@shaw. ca

Bill Mutch 604-467-9300 Terry Passley 604-230-2625 Stan Pavlov 604-467-9300

Mellissa Galway 604-788-8476 mgalway@shaw. ca

Laurel Payne 604-467-9300

Jeff Bright 604-828-7653

Sue Galway 604-828-8476

Kevin Brack 604-657-4064

Mark Cardas 604-816-0444

Ted Hedrick 604-418-4799

Mario Casoria 604-454-8102

Al Hogarth 604-506-5840

Jack Clesson 604-374-4398

Jamie Luttmer 604-760-6448

Ralph Telep 604-467-9300

Cass MacLeod 778-773-2903


Lorne Wild 604-467-9300

Vicki Cunningham 604-839-3990

Kris Mugridge 604-612-7819

Randy Cooke 604-467-9300

Don Schmidt 604-240-3359 Bonnie Telep 604-467-9300 Dave Telep 604-467-9300

We never stop moving.

12 – Real Estate Resource Guide 2011–2012

We never stop moving

604-467-9300 22519 Dewdney Trunk Road, Maple Ridge

Anny An

Danette Ball

Elida Baxter

Dan Beyko

Kevin Brack

Jeff Bright

Mark Cardas

Mario Casoria

Jack Clesson

Randy Cooke

Vicki Cunningham

Kim Fabbro

Helen Ferris

Marshell Forster

Ron Fraser

Mellissa Galway

Al Hogarth

Bill Kok Consultant

Coldwell Banker Tri-Tel Realty

We make your move easier. Sue Galway

Ted Hedrick

Jamie Luttmer

Cass MacLeod

Kris Mugridge

Janet Murphy

Bill Mutch

Terry Passley

Stan Pavlov

Laurel Payne

Don Schmidt

Bonnie Telep

Marina Jorgenson Administration

Heather Palis Administration

If you’re thinking of buying or selling, call us at 604-467-9300

Ralph Telep

Dave Telep

Lorne Wild

Esther Stewart

CALL TODAY FOR A FREE MARKET EVALUATION. Real Estate Resource Guide 2011–2012 – 13

Bissky Architecture Inc.

10 Steps to Buying Your Home Courtesy Real Estate Board of Greater Vancouver

Celebrating our 20th year in Maple Ridge, Bissky Architecture Inc. is a full-service design Ärm. In addition to planning, architectural, and interior design, we provide land development, rezoning and design-build consulting services. Our work experience includes multi-family, institutional, industrial and commercial developments throughout British Columbia, Canada, the Caribbean and Africa. 604-467-8300 · ·

TEKTON Project Management offers turn-key solutions for developers, realtors, architects, and anyone looking to have their construction project managed from start to finish. We take care of your budget, your contractors, your approvals, and your design to ensure the product you want is the product that’s built. Our team has worked in the industry for over 25 years and have been active in the local Maple Ridge community for long enough to know what it takes to get the job done. 604-467-8306 ·

14 – Real Estate Resource Guide 2011–2012

1. Are you ready to buy—You should already have saved some of your down payment and should be good at managing debt like credit cards or loans. A mortgage is a financial responsibility that also requires constant upkeep. 2. Decide how much you can afford —Use this simple equation to consider what to expect after you’ve saved for your down payment. The cost of buying a home = one time costs (down payment, legal fees, inspection fees and taxes) + monthly costs (mortgage, utilities, maintenance, insurance and property taxes). 3. Decide what you want to buy—First decide where you want to live (urban, suburban, rural) and then decide which neighbourhood suits you best and what type of home (detached, attached or apartment) you want. Whether or not the property is new or resale may also affect your costs. 4. Find the right REALTOR®—There are many ways to fi nd a real estate agent; drive through neighbourhoods that interest you and jot down names, go to open houses, look at advertising, ask friends and family for referrals. Interview two or three and pick the one you like best. 5. See what’s out there —REALTORS® run an incredible search tool called the Multiple Listings Service® (MLS®) which contains information on property listings. Your agent can send you listings that fit your criteria and together you can draw up a short list and visit them. 6. Sell your current home. 7. Add specialists to your team—Decide on a lender. A notary public or a lawyer will help you understand the many legal documents that come with buying your home. A home inspector can save you from unpleasant surprises when you move in. 8. Make an offer—REALTORS® are expertly trained and will prepare your offer for you and explain any terminology you don’t understand. 9. Arrange a mortgage—There are banks, credit unions and other lenders available for you. Talk to your financial institution and call around to others. Ask friends or family for referrals. REALTORS® are knowledgeable about mortgages and may refer you. 10. Close the deal and move in—Your offer has been accepted and your real estate agent and notary public or lawyer will do most of the closing work. Make sure you understand the conditions of the agreement that require immediate action on your part.

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Warm Hearth

Your fireplace specialist... 11834 226th St. Maple Ridge • 604-467-2200 Real Estate Resource Guide 2011–2012 – 15

It’s Your Move: Give Us A Call Roger Cummings

Al Jenkins

Maggie Prince § 604-828-7643 § 604-838-8872

§ 604-862-4524

Pamela Danz

Brenda Jenkins

Jason Smith § 778-235-0549 § 604-816-6961 § 778-227-5650

Andrew Etey

John Johnson

Dave Telep § 604-230-4020 § 604-727-5531 § 604-341-0783

Brenda Exner

Theresa Knight

Lisa Telep § 604-603-8043 § 604-307-0700 § 604-970-2209

Harvey Exner

Peter Vanderlee § 604-649-1346 § 604-880-3275

Jason Exner

Dan Wagner § 604-818-9851

§ 604-353-6977

Travis Franklin § 604-351-0235

Eve Kyle

Victoria Ward § 778-866-6683 § 778-838-9273

Paul McCallum

Jewel Yourchek

§ 604-812-5425 § 778-551-1901

§ 604-813-5476

Scott Harrison

Jay Fraser

Scott Meadus

Tracey Hatchard § 604-421-2220 § 604-313-5727

Dick Huber

Judy Daykin

Ron Mitchell § 604-617-9642


Cal Peter

For More Than 65 Years, a Trusted Name in Real Estate § 604-250-3977

Mike Huber § 604-839-8647

Maple Ridge Office 22718 Lougheed Highway § 604-351-8885


16 – Real Estate Resource Guide 2011–2012

Things have changed over the years..... but not our dedication or service

der uilding un tore. The b S l n o ra ti e n ia e c sso er G gressive A e) has a nd L. Cart nd Raymo Haney Pro a e erc h le m T b m . ta o b s u C Miner P the livery mber of y a s ill h w B C o e h e s g th , id 0 now le R ett, 191 f Montreall, nd still later the Map t traffic. Front Stre s and boa a the Bank o in e is a d tr n ra r o T e ti f c g o u n constr Board th passe aple Ridge sible to bo (later the M t would be clearly vi tha huge sign

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Real Estate Resource Guide 2011–2012 – 17

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18 – Real Estate Resource Guide 2011–2012

Buyers Or Sellers Market Courtesy Real Estate Board of Greater Vancouver

The real estate market is cyclical—which is why you may have heard the term, “real estate cycle.” Several key factors influence this cycle, including interest rates, employment growth, investment growth, construction and even immigration. All influence whether there is a buyer’s market or a seller’s market. A buyer’s market is when there are many more homes for sale than there are buyers. As a result, prices may drop over time as homeowners become eager to sell their property. A sellers market is when interest rates are low so there are many qualified buyers and not many homes for sale. Buyers must make quick decisions and face multiple offers on the home they have chosen to buy and prices can rise. To measure market activity, the Real Estate Board has a unique tool. It’s the Sales-to-Listings ratio that measures the balance between demand and supply. • A ratio of three sales for five listings means we are in a seller’s market. • A ratio of less than 7 sales for every 20 listings means we are in a buyer’s market.

Home Buyer’s Plan Courtesy Envision Financial, Ridge Meadows Branch

If you are a fi rst-time home buyer, the Home Buyer’s Plan (HBP) allows you to withdraw money from your Registered Retirement Savings Plan (RRSP) tax-free to make your down payment. The Plan is administered by the Canada Revenue Agency (CRA). For more information, visit or talk to your financial advisor or institution. • You can withdraw up to $25,000 from your RRSP • If you buy the home together with your spouse, partner or someone else, each of you can withdraw up to $25,000, for a total of $50,000 • The withdrawal from your RRSP does not need to be included in your income on your annual tax return, and tax is taken off the money you withdraw. • You don’t have to start paying back the money to your RRSP until two years after the purchase of your home. • You must pay back all withdrawals from your RRSP within 15 years by making RRSP deposits each year, starting the second year following your withdrawal. CRA will determine what your yearly repayment will be and will notify you once you need to start repaying the amount. • If you do not repay the amount due in a given year, it is included in your taxable income for that year and you’ll have to pay income tax on this amount.

Home Checklist

Before you start looking for a new house, take a moment to figure out what you need or want. Th is will help your real estate agent narrow down the right houses to show you.

EXTERIOR Large lot and yard Low maintenance yard Single family detached home Basement suite Town home Condominium One story Two stories Three stories Fenced back yard Deck or patio area Attached garage One car garage Two car garage Private driveway Aluminum siding Wood siding Brick exterior Recently painted woodwork






One bedroom Two bedroom Three bedroom Four bedroom One bathroom Two bathrooms Three bathrooms Four bathrooms Closet in entry Separate dining room Fireplace in living room Separate family room Fireplace in family room Eat in kitchen Island kitchen Kitchen appliances with purchase Laundry room Master bedroom ensuite Main floor bathroom Carpeting Hardwood floors Large windows Basement

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Real Estate Resource Guide 2011–2012 – 19


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20 – Real Estate Resource Guide 2011–2012

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Visit us online at or search listings on your mobile device at Real Estate Resource Guide 2011–2012 – 21

House Hunting Checklist Buyers may look at dozens of houses before finding the right one. Here’s a checklist to guide you through the things to consider when house hunting. Keep notes on each house you see so you can compare.

Location: ________________________________________ Address: ________________________________________ Asking price: ____________________________________ Annual property taxes: __________________________ Type of house: __________________________________ Neighbourhood type: ____________________________ Neighbourhood condition: _______________________ Zoning restrictions: ______________________________ Proximity to schools: ____________________________ Proximity to main roads: _________________________ Lot size and shape: ______________________________ Size and condition of front and back yards: ________

OTHER COSTS TO BUYING A HOME Courtesy Envision Financial, Ridge Meadows Branch

The price of the house you are buying is not the only cost you need to consider when deciding if you can afford to buy. There are other costs to consider: • Legal Fees • Appraisal Fee • Home Inspection • Title Insurance • Property Transfer Tax or Land Transfer Tax • Water Tests/Septic Tests—depending on location • Survey Certificates • Prepaid Expenses • Property Tax—typically paid for the year so the seller is reimbursed the portion of the year that the buyer will occupy • Utility Bills • Strata/Condo Administration Costs to produce • Estoppel Certificate • Insurance Binder • Form A • HST/GST—new construction only

Number of stories:_______________________________ Driveway: _______________________________________

Countertops type and condition: _________________

Siding type and condition: _______________________

Floors type and condition: _______________________

Overall condition of exterior: _____________________

Wall colours and condition: ______________________

Garage type and size: ____________________________

Fireplace/wood burning stove: ___________________

Backyard privacy:________________________________

Basement description: ___________________________

Patio/deck type and condition: ___________________

Electrical wiring and outlets: _____________________

Roof type and condition: _________________________

Lighting fixtures: ________________________________

Windows type and condition: ____________________

Plumbing condition: _____________________________

Room sizes: _____________________________________

Heating type and condition: ______________________

Number of bedrooms: ___________________________

Hot water heater age and condition: ______________

Number of bathrooms:___________________________

Appliances: _____________________________________

Kitchen cabinet type and quantity: ________________

Insulation: ______________________________________

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22 – Real Estate Resource Guide 2011–2012


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WE HAVE YOU COVERED Real Estate Resource Guide 2011–2012 – 23



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24 – Real Estate Resource Guide 2011–2012

OPEN 12-4 PM Except Fridays 11227 236A St. Maple Ridge

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Sarah Eales

Sarah has lived in the Maple Ridge & Pitt Meadows for over 35 years. Sarah comes from a construction family, is a mother of three, resident, volunteer, investor and successful realtor in her community. She prides herself on local knowledge of neighbourhoods, customer service, honesty, integrity, repeat clients & referrals. For all levels of real estate needs, Jessica think of Sarah! Norman

Sarah Eales

Jessica Norman

Jessica has proven people are her passion, with an education in sales & marketing and past accomplishments in the service and sales Industry. Jessica is proud to have lived and worked in Ridge Meadows for over 25 years. She has the local knowledge, work ethic and commitment to create success for her clients and lifelong relationships.


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CHASE SHYMKIW Working Hard For You

Biography Chase Shymkiw is a Real Estate Professional, who goes out of his way to help both buyers and sellers make their dreams come true. Whether it’s finding the perfect home, getting top dollar for your home or arranging any financing and/or legal work necessary to complete transactions, through his website, other national websites, marketing through the MLS system, newspaper advertising and two local kiosks in high-traffic malls, your home will get the most exposure possible. Chase is motivated and determined, and it is his willingness to work hard that makes him an obvious and smart choice for anyone looking to buy, sell, invest or even re-locate! Free Market Evaluations are always offered.

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www.your Real Estate Resource Guide 2011–2012 – 25



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26 – Real Estate Resource Guide 2011–2012

2/10/2011 12:45:11 PM

Schools a Big Factor in Home Purchase There are many factors buyers consider when shopping for a home. From the number of bedrooms to the size of the backyard, prospective buyers have their priorities with what they’re looking for in a home. Parents to young children or couples planning to start a family should also consider the public and private school system. Although countertops and interior living areas may be foremost on the minds of house shoppers, individuals also have to take school districts into consideration when looking at homes, particularly if they’re concerned about giving their children the best education possible. According to research by The Wall Street Journal, buyers are willing to pay more for a property if it is in a good school district. That’s because even if they do not have children, buyers know that a good school district helps a home remain attractive. Not all schools are created equal, and some rank better in test scores and teacher-to-student ratios than others. These are essential factors to think about when looking at homes. If the home will be a stepping stone to another home in a few years, buyers want to ensure their home has the best chance for resale and a good school district is a factor future buyers may think about. Buyers also may want to make a trip to visit the area they’re considering during school hours to see for themselves the type of students and parents at the school. One also may want to set up a brief meeting with the principal to learn more about the ideals of the school and its goals. It’s also a good idea to look at the proximity of the school to the house. Students who live within a certain distance from the school may have to find their own transportation to and from school. Families that are interested in a host of extracurricular activities can also evaluate the area based on the sports or other opportunities offered to students. Having a picture of the school district in the area buyers are considering will help offer a better idea of the neighbourhood and the people around whom they’ll be living. School districts are important to consider when buying a home, so much so that buyers are willing to pay a little more if it means having a good school in their area.

Debra Bell

“A Tradition of Trust”

I have been a Licensed and Trusted Realtor since 1993 and I always look forward to applying my knowledge, skills and highly professional attitude to my career. Whether you are a “Property Virgin”, Investor or a Loyal returning Client I welcome it all. My passion for Homes extends beyond Buying & Selling. Many of my clients and Developers have taken advantage of my complimentary Interior Design, Show Home Designs and Staging skills. Weather you need help designing your Dream Home or staging your up coming home for sale, I am eager to help. My career highlight was appearing as a guest Realtor on HGTV’s “Buy Me” representing an Investor from Vancouver who recognized the incredible values in Maple Ridge. My dedication and Integrity has landed me in the top 10% of Realtors in the Greater Vancouver Board of Realtors known as the “Medallion Club” as well as Platinum Sales Status with Royal Lepage. Helping you is what I Do


11933 224th St., Maple Ridge Brookside Realty

Real Estate Resource Guide 2011–2012 – 27

10 Steps for Selling Your Home Courtesy Real Estate Board of Greater Vancouver

1. Decide when to sell—In real estate, timing can influence your home’s selling price. Factors like how quickly you need to sell, whether it’s a buyers or sellers market and seasonality all play a role in your home’s final selling price. 2. Find a REALTOR® who is right for you—The agent who helped you buy your home is a good place to start. They already know your home and they know you, so you’ll be saving time right from the start. Or look for names on For Sale signs in your neighbourhood or ask friends or family. Make sure to interview candidates and choose the one you like best. 3. Sign a listing agreement—Th is authorizes your agent and their brokerage to market and sell your home. It will defi ne the legal relationship between you and the real estate brokerage and also set a time limit for your agent to sell your home. 4. Determine your home’s asking price—The right asking price will attract buyers and pay you a maximum return. Setting too low a price means you could miss out on thousands of dollars. Setting too high a price will scare away buyers. Your goal is to find fair market value. 5. Add some specialists to your team—Similar to when you bought your home, it’s essential to have a notary public or lawyer handle all the documents that change hands and make sure your interests are protected. 6. Prepare your home for sale—Now is the time to see your home through a buyer’s eyes: get rid of clutter, clean and repair as much as you can, within reason. Remember, weigh the cost of all your home improvements versus the potential financial return. 7. Let your REALTOR® do what they do best—Your agent will begin to market your home—For Sale sign, open houses, newspaper ads, a listing on MLS®, the internet and of course through your agent’s relationship with other agents. 8. Prepare your fi nances—Will the buyer “assume” your mortgage or are you “discharging” it. If you’re buying a

new home, is your mortgage “portable”? What taxes are involved? These are important questions to ask your agent, your lender and your notary public or lawyer. 9. Receive an offer—Although REALTORS® will walk you through the process, be prepared for some stress. You will see every offer since it’s required that you see every offer submitted. You will have three options: accept, reject or counter offer. 10. Close the deal—You were successful and have drafted a legally binding agreement. Contact your lawyer or notary public, your lending institution and consult your REALTOR®. Immediately start satisfying any conditions of the agreement that require action on your part. On closing day, your lawyer or notary public will finalize all the details and give you a cheque for the net proceeds.

SELLING WITHOUT A REALTOR® Whether you are capable of handling the sale of your home will depend on how you answer these questions: 1. Are you familiar with the changing real estate market to accurately evaluate your home? 2. Are you familiar with real estate law and regulations that affect property ownership? 3. Do you have good selling skills? Do you know how to market your property to get the best results? 4. Are you a good negotiator? Can you hold your ground when facing an aggressive buyer? 5. Do you have the time to show your home? 6. Can you qualify a buyer’s financial capability? 7. Will you save money trying to sell your home yourself?

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28 – Real Estate Resource Guide 2011–2012

11933 224th St., Maple Ridge 604-467-5000

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Real Estate Resource Guide 2011–2012 – 29

Boost Your Home Value and Sell Faster Exterior Fixes Exterior trouble areas include peeling paint; rotting wood on window frames; buckled roof shingles; overgrown shrubs; ignored lawns; and weeds growing through interlock paths, steps and the driveway. When it comes to first impressions just a few little tips and tricks can make a big difference quickly and pay dividends. Work on the yard. An appealing lawn is still a great way to catch a prospective buyer’s eye. When a home boasts a lush lawn and well-manicured trees, it’s hard to ignore that For Sale sign out front. Add colour by planting some annuals in the front yard flowerbeds. Tackle pesky weeds on paths and driveway. Replace

or paint rusty fi xtures like the mailbox, railings, house number, and more. Paint the trim &/or exterior. Scrape and spot-paint problem areas. This might be a temporary fix, but even a touch up is better than peeling paint. A fresh coat of paint or new siding is always attractive to prospective buyers. If your home hasn’t had a new coat of paint in awhile that might make buyers feel the home is musty or old. Clean up around the outside. Clutter around the house will almost certainly repel buyers. Throw away any unnecessary things lying around or consider temporarily renting a storage unit.

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Interior Fixes Homeowners thinking about selling have to do whatever they can to set their homes apart from the others available. Real estate experts call it “staging,” or presenting the home in the best light so that potential buyers can envision themselves moving right in. Just a few changes here and there can position a home to sell faster than the competition. Check the smell. A house can be perfect inside and out, but if it smells bad, buyers will likely be put off. Make sure there is no noticeable odor, such as pet smells, garbage, stale smoke, etc., to turn off others. Continued on page 32

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30 – Real Estate Resource Guide 2011–2012

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Real Estate Resource Guide 2011–2012 – 31

Boost Your Home Value and Sell Faster continued from page 30

Clear out. Make sure the interior looks as spacious as possible. This could mean taking out some furniture and temporarily putting it in storage. Be sure countertops in bathrooms and kitchens are free of clutter. And pack away knickknacks that can collect dust. Cater to the lazy person. Potential buyers generally want to move in and simply unpack. They don’t want to make major repairs. Therefore, homeowners should do whatever repairs are possible, within reason. If that means tearing down dated wallpaper or replacing carpeting, it could mean a faster sale. A clean carpet might make a world of difference to a home’s inhabitants, but a new carpet will be more appealing to prospective buyers. Choose a neutraltoned carpet that will boast a more universal appeal. Do a deep cleaning. Whether a cleaning service is hired or the homeowner does it himself, tackling necessary cleaning projects could make the

home shine. Now is the time to wash the windows, shampoo the carpets, regrout the bathrooms, and tackle all of those messes that could compromise a sale. Add a fresh coat of paint. If walls are bright colours or eclectic, it could pay to paint rooms in more neutral shades to appeal to the masses. Just be aware that some buyers are suspicious of paint, especially freshly painted ceilings. They may think a homeowner is trying to hide something, like water stains. Keep the home updated. While one doesn’t have to follow every trend, ensuring the home is ageless can make for a better sell. Some might feel outdated appliances indicate a homeowner who cared little about appearances and might begin to wonder if there are any additional areas that might have been neglected around the house. Up-to-date appliances in the kitchen and even new fi xtures in the bathroom are aesthetically appealing and tend to excite buyers. Homeowners who aren’t immediately putting their property up for sale can gradually upgrade their appliances to

Creating Clarity and Confidence in all your Real Estate Endeavors Bob and Amanda were both raised in Maple Ridge and Pitt Meadows and have enjoyed what these communities have to offer for many years. As a father/daughter team with backgrounds in Marketing Management and Urban Land Economics specializing in Real Estate Marketing and Real Estate Appraisal. We bring a new energy to every detail and our knowledge and passion for the real estate industry will help make your home sale or purchase a smooth and exciting process that will stay with you for years to come.

lessen some of the financial toll such purchases take. Create “happy” spaces. Buyers don’t want to purchase a dark home that seems full of doom and gloom. Open the windows, turn on the lights, add lights to dark rooms and use light colours as room accents. Generally buyers want a bright and light home. Avoid provocation. One potential buyer could be an animal lover, another a political activist. No one can tell who will view the home. So don’t display personal items that might offend. Take down mounted deer heads and put away books that may seem off ensive. It can be a good idea to store religious items as well. Clean out closets and cabinets: Partially empty closets and cabinets give the suggestion that the home is large and has plenty of storage space — so much so that it doesn’t even all need to be used. Buyers who see jam-packed closets could wonder what’s up with storage. Selling a home in a tough market can be easier when homeowners take the steps needed to stage homes for a faster sale.

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32 – Real Estate Resource Guide 2011–2012

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Get the Best Price for your House With sellers hoping to get the most possible for a home and buyers interested in spending the least, it’s sometimes a battle of wills when it comes to hashing out a confirmed price in the world of real estate. Sellers who wonder whether they’ll struggle to get a good offer can hedge their bets in the right direction by employing a few strategies. • Use a REALTOR®: Some think they can sell their home just as well without an agent and save on commission. A REALTOR® is schooled in the process of negotiating the price of an offered home. Furthermore, REALTORS® know the average prices of similar homes and can help a seller price and market a property correctly. That may add up to a faster sale and a better offer. • Price it competitively: Some sellers think the higher they price their home the more money they’ll get for it. The fact is, the longer an overpriced home sits

on the market, the less appealing it will appear to buyers. • Give people what they want: Buyers often prefer updated kitchens and bathrooms. Most buyers out there are not looking for “handyman specials.” They want a relatively turn-key property. A kitchen or bathroom that is an eyesore can repel potential buyers. Home shoppers may be more inclined to go closer to asking price if some of the bigger-ticket items are already completed. • Don’t be an open book: If a buyer knows that time is of the essence or the home is “priced

to sell,” he or she may sense that desperation. Sellers shouldn’t let on too much about their reasons for selling or make it seem like they’ll be in dire straights if the home doesn’t sell quickly. • Don’t be afraid to counter-offer: A buyer who is excited to get an offer on a home in a slow market, but feels the offer is below value, should definitely counter-offer. While the buyer may not accept the counter, he or she may make another offer that is more to the seller’s liking.

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Real Estate Resource Guide 2011–2012 – 33

Andy Wallace More than th han just a sign in the yard

What to Bring to your Appointment with your Lender Courtesy Envision Financial, Ridge Meadows Branch

The information below, can depend on the lender. To ensure you get the most out of this meeting, ask your lender in advance, what information they require so you come prepared. Andy Wallace has lived in the Maple Ridge area for 38 years. When you’re looking for someone who knows the community and will help you move quickly, easily, and comfortably, Andy will be your personal guide.

604.323.3613 “More than just a sign in the yard”

550-20395 Lougheed Hwy, Maple Ridge

We offer full system inspection by a certified inspector. • Septic tanks pumped & cleaned • Septic fields/lines flushed

• Parking lot/ driveway sump cleaning • Guaranteed service

Locally owned & operated family business for over 20 years.


Meadow Ridge Tank Cleaning (3444)

604-240-2900 OR 604-406-DIGG 34 – Real Estate Resource Guide 2011–2012

1. Identification 2. Personal information such as number of independents and marital status 3. Proof of Employment a. Salaried employees i. Most recent pay stub ii. Notice of assessment from Canada Revenue Agency (this is what you get when you fi le taxes). iii. Job letter from employer on company letterhead iv. Position and length of time with the organization b. Commission/business for self i. 3 years T1 general and NOA ii. 3 years financial statements (business for self) 4. Details of your assets a. Cars b. Other property 5. Information on loans and other liabilities a. Credit card balances and limits b. Child support or alimony amounts c. Car loans or leases d. Lines of credit e. Other loans 6. Purchase agreement (new purchases) 7. Investment statements 8. Existing mortgage statements 9. Most recent BC Assessment

Get Pre-approved Courtesy Real Estate Board of Greater Vancouver

Pre-approval of a mortgage is when your lender has reviewed all your financial information and has determined the maximum amount of money you can borrow. The advantages include that you: • Know how much you can borrow so you don’t waste time looking at properties you can’t afford. • Don’t have to worry about rising interest rates while shopping for a home, as usually the lender will guarantee the current interest rate for a period of time while you’re looking. • Save time when applying for a loan because you’ve already assembled your paperwork. Many banks and financial institutions are competing for your business so it makes sense to shop around for a mortgage. Some lenders will reduce their posted interest rate so don’t be shy about bargaining. Your ability to bargain for a low rate and a flexible mortgage will often depend on how much business you have with the institution. You can contact banks and credit unions directly, or work with a mortgage broker.

Purchasing or Selling a Home? Put our professional team to work for you! Services provided • Conveyancing (property sales/purchases) • Notarizations • Wills/Powers of Attorney • Mortgages (New/Refinance) • Subdivisions • Easement • Rights of way, etc.





Donald Lockwood

E N EWS 2 01






Notary Public 22369 Lougheed Highway, Maple Ridge BC V2X 2T3 Phone 463-7181 Fax 463-4770 •

Real Estate Resource Guide 2011–2012 – 35


CREDIT REPORT Courtesy Envision Financial, Ridge Meadows Branch

A credit report is a snapshot of your financial history at a specific point in time. It shows your previous and current debts and if you’ve had any problems in the past paying your debts. Every time you borrow money, make a payment on a loan or credit card, the lender reports the information about the transaction to two agencies—Trans Union and Equifax. Before you will be approved for a mortgage a lender will look at your report, so it’s important you know what’s on your credit report and deal with any problems well before you are ready to get a mortgage. A lender will also look at your credit score, a number that represents your financial health at a specific point in time and indicates the likelihood to pay off future debts. It is important to understand your credit report as it affects all aspects of your financial activities, including getting a mortgage. If you have not seen your credit report, you can get a copy. You can get it online or ask your financial institution or lender to help you get a copy and to review it with you.

YOUR REALTY MAN HOME SELLING TEAM Professional friendly service for all your Real Estate needs:

Maple Ridge & Pitt Meadows Lovely Homes, Quiet Streets, Great Neighborhoods

• Sales • Purchases • Mortgages • Refinances • Title Transfers

(604) 467-6951 Fax: 604-467-1224 22334 McIntosh Avenue, Maple Ridge Website: 36 – Real Estate Resource Guide 2011–2012

RANDALL DIDIUK SRES ( Senior Real Estate Specialist) Realtor®

Call Direct 604-377-7765

B Br Broo ks ksid k s eR Realty y 1193 9 3 224th 4th St. St., S t., M Map Maple aple eR Ridge idg idge dge ge e

Ask for your No Obligation Computerized List of Homes available that meet your Desires … Obtain your Personal Market Snapshot of the Real Estate Activities “happening” in your Neighborhood !!!

Improving Your Credit Score

The Ron Antalek Team

Courtesy Envision Financial, Ridge Meadows Branch

If you’re thinking of buying a home and you’ve seen a copy of your credit report, consider your credit score. If you think it’s not as high as it should be, firstly make sure the information is correct. If it is correct, review your report carefully to find out which factors are having a negative influence on your score, and work to improve them. Some tips to improve your credit score • Pay your bills on time. • Pay your bills in full by the due date. If this is not possible, pay at least the required minimum. • Pay your debts as quickly as possible • Stay within your credit card limit, if possible well below your limit • Reduce the number of credit applications you make. Your credit score may be impacted if too many lenders ask about your credit in a short period of time. • Develop a credit history. You may have a low score because you do not have a history of owing money and paying it back. Starting a credit history can be as easy as getting a low-limit credit card.



Take advantage of our combined 93 years of experience. We are committed to providing you with the highest quality service every step of the way

Johnny Pacheco, Ron Antalek, Rob Johnson, Nancy Newman (admin), Brianne Isherwood (admin), Cory Lunsted, Louise Antalekâ€


22308 Dewdney Trunk Road, Maple Ridge Independently owned & operated (*Based on total transactions Re/Max Western Canada Team 2010 †LICENSED ASSISTANT)

Open Versus Closed Mortgages Courtesy Envision Financial, Ridge Meadows Branch

A mortgage term is the length of time your mortgage agreement will be in effect. At the end of each term you will need to renew or renegotiate your mortgage unless you are able to pay it off in full. Lenders frequently offer both open and closed mortgages. Open Mortgages • You can make prepayments at any time, or even pay off the mortgage in its entirety without having to pay any penalty. • The interest rate on an open mortgage is usually higher, due to the flexibility of the term mortgage. Closed Mortgages • You cannot prepay, renegotiate or refinance during its term without paying a penalty. • If you want to change your mortgage agreement during the term, you will usually have to pay a penalty. • The interest rate on a closed mortgage is usually lower, given the reduced flexibility compared to an open mortgage.








Real Estate Resource Guide 2011–2012 – 37

Located on the Fraser River between Maple Ridge & Mission. Our access to dredging of the Fraser River allows us to offer unique products.

Sand Gravel Topsoil

• Premium River Sand • River Rock Call us about • Quarry Rock • Screened Sand (used in septic fields) • Clean Fill • Golf Sand • Agriculture Sand • Turf Blend • Garden Blend for Driveways Topsoils • Large Landscape Rock

Asphalt Grindings


Contact us for a complete price and product list.

604-290-8683 or 604-462-8652 email: Providing quality products and excellent service since 1987

Buying A Home?

Tony Bell FULL TIME PROFESSIONAL REALTOR “I will work for you every step of the way!”


Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly-priced and in good condition before you start your search.

Selling A Home? My combination of skill, 20 years experience in the Ridge Meadows area, and technology ensures that I can sell your home for the highest possible price and in the shortest period of time. I have the tools to meet the demands of a highly competitive, modern market..

“Go on... give the Bell a ring” 38 – Real Estate Resource Guide 2011–2012

Variable Rate Versus Fixed Rate Mortgages Courtesy Envision Financial, Ridge Meadows Branch

Choosing a variable rate or a fixed rate mortgage most likely will depend on your financial situation and your tolerance for risk. Fixed Rate With a fi xed interest rate mortgage, the interest rate is determined when you apply for a mortgage and is set for the length of the mortgage term. Because the interest rate does not change, you know how much of your payment is going toward your principal and how much is going toward the interest owed. You also know in advance how much of your principal you will pay during the length of your mortgage term. Fixed rate mortgages often appeal to borrowers who want stability in their payments, manage a tight budget, or are generally more conservative. For example, young couples with large mortgages relative to their income may be better off opting for peace of mind that a fi xed rate brings. Variable Rate Variable rate mortgages may allow a borrower to take advantage of decreasing rates. The interest rate is calculated on an ongoing basis at a lenders’ prime rate minus, or plus, a set percentage. As the prime rate changes the interest rate on the mortgage changes. With a variable interest rate mortgage, the amount of the payment may be fi xed or variable. For budgeting purposes some may wish to set a fi xed payment amount each month. If rates change, the payment amount stays the same, however the amount paid toward the principal and the interest varies. It is important to discuss the pros and cons of both types with a lending professional to ensure borrowers make the right decision for their budget.

MORTGAGE PAYMENT TIPS Courtesy Real Estate Board of Greater Vancouver

Consider the following money-saving steps when calculating your mortgage payments: f By shortening your loan repayment or amortization period to 20 years from 25 years, you’ll pay your mortgage off five years sooner. You’ll pay higher monthly payments, but you’ll build equity faster and you’ll pay less in interest over the long term. f Apply for a prepayment option. If you receive one, you can directly pay down some of your principal before it’s due. Make sure to check for prepayment penalties. f By paying biweekly instead of monthly, you’ll make 26 payments in a year or 13 months instead of just 12 months and reduce your amortization to about 20 years from 25 years.

Insurance for your Home Courtesy Johnston Meier Insurance

For most homeowners, a home is the largest asset they own, so it makes sense to protect it from things like fire, theft and liability, to name a few. Make sure you take steps to insure your home effective on the earlier of either the completion date or the date that you pay the balance of the funds in trust. You may want to consider photographing and/or videotaping your home and its contents so you have a record for insurance purposes. If you’re unsure of what to record, your insurance provider can give you some direction. It’s recommended you keep these records in a safety deposit box. 1. Homeowners should get their home insurance from a licensed insurance broker. Insurance brokers have the expertise to assist clients in meeting their needs. 2. Some things to consider when getting home insurance: a. Value of the home - insurance brokers have tools that take the information about the home such as square footage, number of stories, bathrooms, type of flooring, fi replaces, etc. that help determine the replacement value of the home rebuilding cost, not the selling value or tax assessment value. b. All companies have Special Limit of Insurance for the following: Unscheduled jewellery, books, tools and instruments pertaining to a business on premises, money (cash) including cash cards, watercraft with motor and accessories, collections such as coin, stamps, bicycles, just to name a few. c. Understand any Exclusions under the policy, in other words, what is not covered. 3. The level of coverage that is appropriate is a Comprehensive Form. This is called All Risk Coverage. 4. There are ways to save money on house insurance: a. Have an alarm system installed b. Mature Citizens Discount (usually starts at age 50) c. Senior Citizens Discount d. Mortgage Free Discount e. New Home Discount (up to 10 years of age) f. Claims Free Discount. Don’t forget if the value of your property increases, your coverage should as well. If you’ve upgraded or added contents, appliances or done a renovation, review the changes with your insurance provider to make sure you are covered.

Stamped concrete • Concrete countertops Exposed aggregate • Basements, driveways & patios • Forming & grading Remove & replace existing driveways WE ARE WCB INSURED

Free Estimates

32094 Holiday Ave., Mission



Al Hogarth

Associate Broker

Deb Hogarth

Aleesha Hogarth


PROPERTY MANAGEMENT COLDWELL BANKER TRI TEL PROPERTY MANAGEMENT DIVISION Over 14 years of Residential Rental Property Management Serving Maple Ridge and Pitt Meadows Certified Licensed Services provided are as follows: Tenant Selection Collecting monthly rents and security deposits Making payments to third parties Managing landlord and tenant matters Monthly accounting to landowners Required Maintenance on land and building For more information please call or email us at the numbers below We never stop moving:

604-467-9300 Cell 604-506-5840

Rental Property Management Real Estate Marketing Services Land Development Consulting

We never stop moving:

22510 Dewdney Trk. Rd. Maple Ridge

Real Estate Resource Guide 2011–2012 – 39

Create a Designer Look for your New Home Interior designers have a knack for pulling together furniture and accessories to create rooms with widespread appeal.

The key to creating a beautiful room is planning. You’ve invested a great deal of money in your new home so it may be worth it to consider an interior design consultation. Or you can get help from numerous experts in the community that can provide advice based on your own

ideas, such as paint, flooring, window covering, furniture etc. Some things to help with the process: Measure the dimensions of the room and create a sketch of the area using graph paper or computer soft ware. Be sure to plot any windows or doors on

the drawing so that you will be aware of obstacles. Homeowners unsure of what they want should browse through magazines or pictures on the Web for inspiration. Search for key phrases that describe your design style, such as Tuscan, farmhouse,

CUSTOMIZE your Kitchen


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Countertop and installation not included. Some restrictions apply.

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Kitchen Centre

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Sample 10X10 kitchen

★ ★ ★ SERVICE ★ ★ ★ • Personal 3-D design • On-site measurements • Company installation team

40 – Real Estate Resource Guide 2011–2012





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Minimum purchase required





/LN. FT.

Installation not included




/SQ. FT.

Minimum purchase required COQUITLAM #2–2773 Barnet Highway 604.464.4488 PITT MEADOWS 18601 Lougheed Highway 604.465.4585 PORT COQUITLAM #129–1585 Broadway Street 604.944.7677

country, colonial, etc. Then read up on the components of these styles that define it. This will help you select items that fit with the style. Once a particular style has been chosen, create a design board just like the professionals. Cut out swatches of fabric, select paint swatches, find magazine pictures that fit with your goal and arrange them on a piece of poster board. See how the items work together. If you are unsure of colours, see which shades were used in the inspiring picture and determine if it will coordinate with your home. When designing, identify or create a focal point in the room and build off of that. This may be a large window, fireplace, or even the entertainment center if it’s a family room. Place furniture around the focal point and then move outward. It’s also important to keep scale in mind. Large walls or tall ceilings will create plenty of wall space. A small print or wall hanging will be lost in such an area. Be sure to choose furnishings and accessories that fit with the scale of the room. In other words, a huge sectional may overpower a small living room. If you’re

investing in new furniture take the map of your room with you and review it with the expert at the store. When choosing colours, make sure they are cohesive. Research the colour wheel that artists use to help with designing the room. Some colours are complementary or opposites and still work together. Homeowners nervous about colour should choose a colour from fabric or furniture and use a few different shades of the same colour in the room. Select an accent colour that can be used on trim or as a spot of colour on a pillow or accessory. Again, don’t be afraid to consult an expert at the paint store. When plotting wall hangings or other decor, odd numbers often look more pleasing to the eye. Experiment with different sizes of framed artwork or different shaped accessories for visual appeal. For example, a few rectangular shaped items with a circular clock and a conical flower vase can mix it up in the room. This is where looking at magazine layouts can be extremely helpful. Many stores sell items that mimic the look of higher-priced items. When

copying a designer room, select pieces that are similar, but not necessarily the same brands. Consider shopping at second-hand stores or antique shops for discounted pieces. With a little new fabric or stain, many items can look like new again. When designing, it never hurts to think outside of the box. Items that were intended for outside may work well inside as well. Hanging lanterns or plant stands could be put to use in a rustic room. Save some money by making some items yourself. For instance, if you cannot find a particular throw pillow or drapery that fits with your style, go to a fabric store and purchase fabric to make your own. Decorating doesn’t have to cost a fortune or look like you pieced odd items together. By following the guidelines of a designer room and selecting lower-priced items that mimic the shape and scale of similar accessories, it’s possible for any homeowner to create a room for less.

Welcome to the Neighbourhood We’ve been making customers happy for over 40 years Vacuums

TV’s Appliances

Home Audio

HD Cable & Satellite Boxes Sewing Machines & Sergers

We’re your complete Home Entertainment & Household Appliance Store Serving Maple Ridge & Pitt Meadows W






22381 Dewdney Trunk Road, Maple Ridge • Mon - Sat 9 am - 5:30 pm, • Sundays 11am - 5pm



Real Estate Resource Guide 2011–2012 – 41

Buying, selling or staying: Getting the best value from your renovation Courtesy Ecowest Renovations

If you’re considering renovating, it can be tempting to choose to invest in the “pretty” upgrades, but when it comes time to sell your home, you may realize that those kinds of renovations aren’t the only ones that pay off. Updating your kitchen or bat h room c a n i ncrea se resale value, but investing in the systems that make your home comfortable and energy efficient will also have an excellent pay off in the long term through energy savings, and in the short term through the thousands of tax-free dollars available through current government grant programs. W i n d ow s a n d d o o r s , insulation and heating and cooling systems are the three most important products your home needs to ensure the greatest comfort and

energy savings, especially w it h today’s i ncreasi ng energy costs. They ensure the greatest savings while you own your home, and are a great selling feature for future buyers looking to invest for the long-term. Replacing your old aluminum-frame windows with vinyl windows will keep you cooler in the summer and warmer in the winter, and save money on your energy bi l l. High-qua lit y v inyl windows feature energy- and sound-abatement chambers, which reduce temperature and sound transfer between


MORTGAGES Free appraisals Free credit consults

Specializing in:

³Tough deals No obligation ³New to Canada quotes ³Rent-to-own Days, evenings ³Poor credit & weekends

One call could save you thousands 604.614.2382 Rebecca Awram BA

Government Licensed Broker Fraser Valley Divsion 42 – Real Estate Resource Guide 2011–2012


At Benjamin Moore®, we treat you to a more personal experience. So come find inspiration

Bare Interiors Inc. 22602 Lougheed Hwy. Maple Ridge


Store Hours: Monday - Friday 8 am - 6 pm Saturday 9 am - 5 pm Sunday and Most Holidays 10 am - 5 pm

the inside and outside of your home. Having the ventilation system evaluated and upgraded if necessary can also help ensure that there are no problems with moisture or condensation, which promote mold and mildew in the home. Attic and basement insulation is another underrated champion of home energyefficiency. Years ago when gas and electricity costs were substantially lower, the solution to a cold home was to simply turn the heat up. Unfortunately, the cost of “turning the heat up” has become a major expense for many homeowners today. In many cases, the solution is to simply upgrade your home’s basement and attic insulation. Insulation remains one of the best investments a homeowner can make and

can help save as much as 30% on energy bills. And don’t forget your heating and cooling systems! A high-efficiency furnace or heat pump can save hundreds or even thousands of dollars a year in utility costs and create a much more comfortable home, no matter what the temperature is outside. Most high efficiency furnaces are smaller and quieter than the units they replace, and a heat pump can provide efficient heat in the winter as well as cooling in the summer instead of a traditional air conditioner. Whether you are buying, selling, or staying, your home is your biggest investment— so renovate wisely. There’s no better payoff than a comfortable, cost-effective and energy-efficient home; one that buyers will see as a great long-term investment.

,QWURGXFLQJ6LOYHU:RRGV NEW 20 Lot Sub-Division in Beautiful Silver Valley 4 Bedroom Single Family Homes starting at $


NEW 4 bdrm, 3 bthrm home in Beautiful Silver Valley Silver Woods is a 20 Lot Sub-Division nestled between 232 Street and Silver Valley Road. These 4 bedroom Single Family Homes will be immaculately finished with custom kitchens, granite countertops, vaulted ceilings, and much more. All Silver Woods homes are backed with a 10 year national new home warranty.

Heated and Individually Alarmed Units Available

NEW Online payment Options

ON-SITE Resident Caretaker Real Estate Resource Guide 2011–2012 – 43



SAVE $200 ON ARCHGUARD INSERTS Buy a direct vent insert and receive the surround

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LLEY VA1986 BIGSince

HEATING & SHEET METAL LTD. 11868 216th Street, Maple Ridge


Your source for local real estate. Every Friday, the Maple Ridge News offers an in-depth real estate section for Maple Ridge & Pitt Meadows. Up to date information for buyers & sellers.

If you were given a chance to design a dream home, what features would you choose first? Take a look at the most popular wish list in 2011: 1. Curb appeal. Home exterior, driveway, and landscaping must attract admiring attention. 2. Maximum energy efficient throughout, from top to bottom. 3. A large, designer kitchen with natural stone countertops and futuristic appliances, cabinetry and waterworks. 4. Natural hardwood flooring like Brazilian cherry and sustainable bamboo. 5. A sunroom, a front porch, and a backyard finished patio. 6. Vessel sinks, or freestanding bowls above the bathroom countertop, accompanied by wall-mounted faucets. 7. Bedroom walk out or balcony. 8. Designer bathtubs and walk-in shower with tile, a seating bench and rainfall showerhead.


Kris Mugridge

Your Local Real Estate Specialist! To View all my properties and get FREE Valuable information please visit

Coldwell Banker Tri-Tel Realty 22519 Dewdney Trunk Rd., Maple Ridge, BC, V2X 7X7

604-612-7819 We never stop moving.®

44 – Real Estate Resource Guide 2011–2012

Glossary of Terms Debt Service Ratio—The percentage of a borrower’s gross income that can be used for housing costs, including mortgage payment and taxes.

Amortization—The number of years it takes to repay the entire amount of a mortgage.

Closing Costs—Expenses in addition to the purchase price for buying and selling a property.

Appraisal—An estimate of a property’s market value, used by lenders in determining the amount of the mortgage.

Closing Date—The date on which the title and keys to the property are transferred from the seller to the buyer, and the money is paid.

Appreciation—The increase of a property’s value over time.

Conventional Mortgage—A mortgage loan that does not exceed 80% of the lending value of the property.

Assessment—The value of a property, set by the local municipality, for the purposes of calculating property tax. Assumable Mortgage—A mortgage held on a property by the seller that can be taken over by the buyer, who then accepts responsibility for making the mortgage payments. Closed Mortgage—A mortgage that cannot be prepaid, renegotiated or refinanced during its term.

Counteroffer—One party’s written response to the other party’s offer during the negotiation of a real estate purchase between buyer and seller. Credit Report—A snapshot of your credit history and one of the main tools lenders use to decide whether or not to give you credit.

Deposit—A payment made when you make an Offer to Purchase to show that you are a serious buyer. The deposit will form part of your down payment. Down Payment—The part of the purchase price of a property that the buyer pays in cash and does not finance with a mortgage. Equity—The difference between the price for which a property can be sold and the mortgage on the property. Fixed Rate Mortgage—A mortgage for which the interest rate does not change for the length of the mortgage term.

Credit Score—A numeric rating that is a reflection of your financial health at a specific point in time indicating the risk you represent to lenders.

Expert mortgage advice anywhere, anytime.

Inspired design is timeless

When you are • Purchasing real estate • Renewing your mortgage • Needing equity

Nathan Isherwood 604-250-8375 na Mortgage advice you can’t afford to miss out on.

Nikula Designs offers: • Colour consultations • Home renovations • Project management • 3 levels of service based on how involved a client wants to be

Visit our website to see how we can help you.

Nikula Designs PHONE: 604-463-2052 • • EMAIL:

Real Estate Resource Guide 2011–2012 – 45

Glossary of Terms Foreclosure—A legal process by which the lender takes possession and ownership of a property when the borrower doesn’t meet the mortgage obligations. Gross Debt Service Ratio—A general rule is that your housing costs (mortgage payments, taxes, heating) should not be more than 32% of your gross monthly income. High Ratio Mortgage—A mortgage that exceeds 80% of the loan-tovalue ratio; must be insured by either the Canada Mortgage and Housing Corporation or a private insurer to protect the lender against default by the borrower who has less equity invested in the property. Interest Rate—The return the lender receives for advancing the mortgage funds required by the borrower to purchase a property. Interest—The cost of borrowing money.

Listing Broker—The REALTOR® who signs a contract with an owner to sell the property. Mortgage Broker—A person or company having contacts with financial institutions or individuals wishing to invest in mortgages. Mortgage Default Insurance— Government-backed or privatelybacked insurance protecting the lender against the borrower’s default on their mortgage. Mortgage Payment—The regular installments made towards paying back the principal and interest on a mortgage. Mortgage Term—The length of time a lender will loan mortgage funds to a borrower. Most run from six months to five years, after which the borrower can repay the balance of the mortgage or renegotiate the mortgage for another term.

Joint Tenancy—A form of ownership in which two or more individuals (often spouses) have an equal share in the ownership of a property.

Mortgage—A contract between a borrower and a lender. The borrower pledges a property as security to guarantee repayment of the mortgage debt.

Lien—Any legal claim against a property, fi led to ensure payment of a debt.

Open Mortgage—A mortgage that can be prepaid or renegotiated at any time and in any amount without penalty.

Listing Agreement—The contract between the listing broker and an owner, authorizing the REALTOR® to facilitate the sale or lease of a property.

Pre-approved Mortgage—Tentatively approved by a financial institution for a specified amount, interest rate and monthly payment.

Helping you decide on the mortgage plan that fits you best.

Vancity Mortgage Specialist

604.787.2237 46 – Real Estate Resource Guide 2011–2012

Term—The period of time your mortgage agreement will be in effect. At the end of the term, you either pay off the mortgage in full, renew it or renegotiate it. Title Insurance—A lender, lawyer or notary may suggest you get insurance covering the loss caused by defects of title to the property. Title Search—A detailed examination of the ownership documents to ensure there are no liens or other encumbrances on the property and no questions regarding the seller’s ownership claim. Title—Legal evidence of ownership of a property. Total Debt Service Ratio—The maximum percentage of a borrower’s income that a lender will consider for all debt repayment including a mortgage. Variable Rate Mortgage—A mortgage for which payments are fi xed, but whose interest rate changes in relationship to fluctuating market interest rates. If rates go up, a larger portion of the payment goes to interest. If rates go down, a larger portion of the payment is applied to the principal.

Satisfaction Guaranteed When you make the important decision to buy or sell a home, I’m committed to going the extra mile to ensure that all of your needs are successfully met in a professional and honest manner. For Service and Commitment, let me help guide you with your next purchase or sale.

• Purchasing, Renovating or Interested in Transferring your Mortgage • Compare your current Mortgage Rate. You might be surprised how much you save. • Take advantage of today’s record low rates.

Carmela Busto

Principal—The mortgage amount initially borrowed, or the portion still owing on the mortgage. Interest is calculated on the principal amount.



Email or call: Office: 6 0 4 . 4 6 7. 3 8 7 1 Direct: 7 7 8 . 2 3 5 . 0 5 4 9 Email: p a m e l a @ p a m e l a d a n z . c o m

Real Estate Resource Guide 2011–2012 – 47

Helping you find the BEST HOME in MAPLE RIDGE and the LOWER MAINLAND

Living in Maple Ridge for the past 25 years, coaching, playing sports and working in the area means I understand the community and all that it has to offer. Clients’ referrals are the best measure of success.

Testimonials “Jeremy has exceeded my expectations for a realtor. His knowledge of the market and his strong work ethic took the worry out of buying and selling my home. I would highly recommend him to anyone I know looking to buy or sell a home!” Shawn T.

“Jeremy was excellent. He demonstrated a real knowledge of the industry. He was simply great! As this was my first time purchasing a property, he offered advice and wisdom that made the whole process easier and more enjoyable. I would without hesitation recommend him to my family and friends.” Christian K.

“Jeremy had great marketing ideas that helped sell our townhouse faster than any other one in the complex. He was extremely friendly and hard working. He gave us really good advice which helped us in making our decision on which house to move to. We couldn’t be happier. We have already and will continue to refer him to everyone we know.” Chris P & Tina M.

Jeremy McCarthy 778-846-3200

Brookside Realty 11933 224th St., Maple Ridge

Maple Ridge News, September 25, 2011  

September 25, 2011 edition of the Maple Ridge News

Maple Ridge News, September 25, 2011  

September 25, 2011 edition of the Maple Ridge News