REAL ESTATE RESOURCE GUIDE 2013–2014
Real Estate Resource Guide 2012–2013 – 1
2 – Real Estate Resource Guide 2013–2014
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The State of Real Estate ❚ By Robert Prince If you believe in creating balance in your life, then the current state of the real estate market in Maple Ridge and Pitt Meadows and throughout the Lower Mainland should appeal in a big way. “It’s a very balanced market right now, the statistics are showing that,” says Jamie Luttmer, Managing Broker at the Coldwell Banker Tri-Tel Realty office based in Maple Ridge. The statistics he’s referring to are numbers issued by the Real Estate Board of Greater Vancouver on a monthly basis. August’s results show that throughout Metro
stronger this summer than they were last summer,” says Luttmer, although his enthusiasm was tempered by the fact that overall sales for the first nine months of 2013 are actually down almost eight per cent compared to the same period in 2012. “I think we’re heading in the right direction,” says TriTel’s Managing Broker, who doesn’t see things changing anytime soon. “Interest rates have bumped up a little, but I have no expectation that we’ll see them climb dramatically; the CMHC (Canadian Mortgage and Housing Corporation)
“A single family detached home with a mortgage helper is always going to be a big seller.”- Brenda Mason, Realtor Vancouver, sales from June through August were up 46 per cent, even though listings were only up four per cent during that period. In Maple Ridge and Pitt Meadows, things were a bit slower on the sales side, up just 14 per cent. Listings on the other hand were up 10 per cent locally. “Things were certainly
made some changes last year, but I think we’ve come to the point where these changes have worked their way through the system and everyone has come to terms with them. House prices are stable so people know where they stand; and there’s still a good amount of stock.” Luttmer’s optimistic take on the real estate market is
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Realtor Brenda Mason outside REMAX on Lougheed Highway, east of 208th Street. Photo by Colleen Flanagan
shared by Brenda Mason, managing broker at the Re/ Max Results Realty office, also based in Maple Ridge. “It is a very balanced market,” she says. “Overall, we’ve returned to the kind of sales we had back in 2009, which is good.” She adds that land sales are up because developers are feeling more positive, and the market is attractive to new buyers still because of the certainty created by stable prices and interest rates. Maple Ridge and Pitt Meadows continue to be very attractive places to live, she says, because of the lifestyle and the availability of more affordable homes compared to most of the rest of the region. “A single family detached home with a mortgage helper is always going to be a big seller,” says Mason. The demand for apartments isn’t huge yet, but Mason says it’s growing. The numbers in Maple Ridge show apartment sales were down four per cent in August 2012 to August 2103, but in
Pitt Meadows apartment sales bumped up better than seven per cent over the same time span, owing thanks to a good supply of new apartments coming on the market. The REBGV stats show the benchmark price in August for a detached home in Maple Ridge was $463,400; in Pitt Meadows, it was $508,500. This compares to $758,100 in Metro Vancouver. For multi-family homes, the Maple Ridge benchmark was $273,20 0; in Pitt Meadows, it was $313,200, and in Greater Vancouver, $390,400. For apartments, the Maple Ridge number was $174,500; in Pitt Meadows, it was $237,100, while in the greater region it was $336,000. Are there any black clouds on the horizon? Not really, say the two brokers. Luttmer says for him there’s “nothing that really gives him pause,” while Mason doesn’t see anything in particular, although “there is always the spectre of interest rates suddenly jumping,” but she’s not really that worried.
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Real Estate Resource Guide 2013–2014 – 5
Brookside Realty
Sid Alamo 604-802-2211 sida@shaw.ca
Steve Anderson
604-817-5285 steveanderson@royallepage.ca www.steveanderson.ca
Chad August
604-318-5254 chadaugust@shaw.ca www.chadaugust.com
J. J. Bakker
778.938.6707 jjrealtyworld@live.com
Debra Bell
604-467-5000 dsbell@shaw.ca www.debrabell.ca
Karen Bennett
Helping you is what we do™ Chris Frandsen
Brenda Lyster
Glenn “Mr. Rogers”
Danny Gerbrandt
Cass MacLeod
Luke “Mr. Rogers”
604-467-5000 chrisfrandsen@shaw.ca www.chrisfrandsen.com 604-802-6694 danny@dannyandclaudio.com dannyandclaudio.com
Lennie Gullmes
604-467-5000 lennie@rolftherealtor.com www.rolftherealtor.com
Rolf Gullmes
604-202-7653 rolf@rolftherealtor.com www.rolftherealtor.com
Ed Gurm
604-467-5000 edgurm@royallepage.ca
604-463-3000 karenbennett@telus.net www.mapleridgerealtors.com
Gina Halinda
Jeff Bright
Don Hart
604-828-7653 jbright@lightspeed.ca www.busyasbeavers.com
Allan Carlson
604-467-5000 allancarlson@royallepage.ca
604-763-5131 gina_halinda@hotmail.com 778-988-4278 allhartrealtor@shaw.ca www.homewithhart.com
Ken Hemminger
Randy DeLair
604-467-5000 kenhemminger@gmail.com www.kenhemminger.com
Tracy DeLair
604-765-8670 nhunt@telus.net www.thepearceteam.com
604-463-2991 randy@ridgemeadows.com www.ridgemeadows.com 604-463-2991 tracydelair@shaw.ca www.ridgemeadows.com
Randall Didiuk
604-377-7765 didiuk@telus.net www.royallepage.ca/randalldidiuk SRES ABR
Pat Drummond
604-467-5000 patdrummond@royallepage.ca www.matchmakingbuyersandsellers.com
Shannon Drummond
604-612-8687 shannondrummond@royallepage.ca www.matchmakingbuyersandsellers.com
Nicole Hunt
Dave Hyslop
604-240-3523 dave_hyslop@hotmail.com
Jim Isherwood
604-250-7755 jimisherwood@royallepage.ca www.jimisherwood.com
Nathan Isherwood
604-250-8375 nathan@clientfirstmortgages.com
Nicole Jackson
604-467-5000 jimisherwood@royallepage.ca
Coleen Jennings
Angela Dundas
604-970-0876 ronrj9@telus.net
Sarah Eales
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604-857-3232 realestateangela@gmail.com www.angeladundas.com 604-202-7272 saraheales@royallepage.ca www.saraheales.com
Dianne Enns
604-655-2505 dianneenns@royallepage.ca
Brian Fedyshen
778-233-5695 brian@veryrealestateagents.com www.veryrealestateagents.com
Al Knuttila
Michelle Larose
604-828-6797 homesbylarose@gmail.com
Joel Lycan
604-466-1440 jslycan@telus.net www.mapleridgeliving.ca
6 – Real Estate Resource Guide 2013–2014
604-240-0960 brendalyster@shaw.ca www.royallepage.ca/brendalyster 2012 REBGV Rookie of the Year 778-773-2903 Cassman@telus.net www.busyasbeavers.com
Jeremy McCarthy
778-846-3200 jeremy@jeremymccarthy.ca jeremymccarthy.ca
Taryn McKay
604-467-0904 taryn@veryrealestateagents.com www.veryrealestateagents.com
Rick Medhurst
604-463-3000 rickmedhurst@telus.net www.rickmedhurst.com
Carla McColeman
604-908-2014 carla@sellingmapleridge.com www.sellingmapleridge.com
Judith Muratoff
604-789-8327 info@mybcdreamhomes.com
Jessica Norman
604-614-3390 jessicanorman@royallepage.ca www.saraheales.com
Betty Olsen
604-240-5401 realestateinbc@shaw.ca www.bettyolsen.com
Debi Pearce
604-202-6917 debipearce@telus.net www.thepearceteam.com
Don Pearce
604-230-7917 donpearce@telus.net www.thepearceteam.com
Ray Pelto
604-467-5000 rpelto@telus.net www.raypelto.com
Bob Quinnell
604-467-5000 bobquinnell@royallepage.ca www.bobquinnell.com
Jim Quinnell
604-790-2340 jimquinnell@royallepage.ca www.jimquinnell.com
Tina Raven
604-764-8536 tinaraven@shaw.ca www.royallepage.ca/tinaraven
Dave Rickard
604-467-5000 daverickard@shaw.ca www.rickardandfox.com
604-790-2345 glenn@housebymouse.net www.housebymouse.net 604-780-2304 luke@housebymouse.net www.housebymouse.net
Claudio Sartore
604-340-4167 claudio@dannyandclaudio.com dannyandclaudio.com
Tyra Sauriol 778-846-8484 missrealty@live.ca www.missrealty.ca
Chase Shymkiw
604-839-6495 chaseshymkiw@gmail.com www.chaseshymkiw.com
Yolanta Siwinski 604-467-5000 siwiyo@intergate.bc.ca
Tammy Sonne
778-773-2707 tammysonne@shaw.ca www.royallepage.ca/tammysonne
Mary Spann
604-308-5088 mary@maryspann.com www.maryspann.com
Trevor Tache
604-760-3453 trevortache@royallepage.ca www.royallepage.ca/trevortache
Ralph Tedford
604-612-7005 help@ralphtedford.com www.ralphtedford.com
Bob Terepocki
604-817-2920 bobterepocki@hotmail.com www.sellingmapleridge.com
Joel Twaites
604-220-4738 joeltwaites@royallepage.ca
Vicky van Herwaarden 604-999-2452 vicky@concordiahomes.ca www.thepointehomes.ca
Amanda vandenBrink 604-619-2164 amandavandenbrink@shaw.ca www.clickmyhome.ca
Bob vandenBrink 604-812-2894 bobvandenbrink@shaw.ca www.clickmyhome.ca R.I.(B.C.) Urban Land Economics
Virginia Windover 604-467-5000 virginia@royallepage.ca
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604.467.5000 Real Estate Resource Guide 2013–2014 – 7
Local Housing Trends ❚ By Robert Prince In 2013, single-family detached homes are “king” when it comes to local housing needs. But over the next 20 years, community planners in Maple Ridge and Pitt Meadows are quite certain their importance will diminish significantly owing to changing demographics in the area. In both communities, planners are gearing up for a shift in housing needs, with older residents and smaller family groupings making up a greater proportion of the area’s population. In Maple Ridge, Director of Planning Christine Carter provided numbers from a staff report that show the number of people 55 and older will make up 34 per cent of the population by 2031 – a tripling of the current number. Similar percentages are expected in Pitt Meadows. According to the Pitt Meadows Housing Action Plan, finalized by council this past spring, these seniors
are looking for one- or two-bedroom apartments as they decide to downsize; they’re looking for more choice in rental units; and they’re looking for affordability given limited financial situations. Young families are also looking for options, with the demand for homes on smaller lots and larger apartments coming to the forefront as the combination of changing lifestyles and their financial realities set in. “By all accounts, people’s lifestyles are changing and they don’t want the big yard anymore,” says Pitt Meadows Mayor Deb Walters. “When they come home, they want to take the kids to the park or the dike, they don’t want to be cutting the grass.” Affordability is a major issue not just for seniors, and both communities are exploring options for providing more options for families and singles. Smaller suites, bachelor apartments, better
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8 – Real Estate Resource Guide 2013–2014
Pitt Meadows Mayor Deb Walters at Osprey Village. Photo by Colleen Flanagan
secondary suite availability, and more non-market housing units are just some of the options being investigated. Kim Grout, Director of Operations and Development services for Pitt Meadows, says one of the biggest differences between Pitt Meadows and Maple Ridge is the opportunity for additional singlefamily housing. “We don’t have any tracts of land identified for this type of housing. Our single-family neighborhoods are built out and we deal largely with alterations and a few small-lot subdivisions.” Walters notes Pitt Meadows has no choice but to concentrate its efforts on infill and high-density projects because it doesn’t have bare land for
any other kind of residential development. In Maple Ridge, there may still be room for singledetached development, but that doesn’t mean the municipality won’t be encouraging the same types of housing solutions as its neighbour because it will be experiencing the same demands from residents in years to come. The Maple Ridge staff report shows that single-detached housing numbers will have leveled off by 2016, but that the numbers of apartments and “ground-oriented” dwellings (townhouses and condos) will continue to increase significantly until at least 2021. Shawn Mathewson, Coordinator of Social Planning for Maple Ridge, says the community is going to need many more options for young families in particular, but also for seniors and those living alone. “We need a lot more non-market housing,” she says, “and we’re going to have to look seriously at the rental housing market because so much of our stock is old and in disrepair.” Mathewson says big houses are going to become less affordable in the years to come, and consumer demand will drive the push towards more affordable, smaller homes. In fact, she notes, that demand has already begun. Maple Ridge begins the effort to define its own housing action plan in September, with a final report expected next summer.
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Housing Going Green ❚ By Robert Prince As environmentally aware as people have become in the past decade, when it comes to ‘greening’ our homes, it’s the dollars and cents that usually determine how ‘green’ a person goes. There are many who want to make their homes more eco-friendly, say a couple of specialists in the field, but the high cost of many such projects often outweighs the urge to “go green.” “A lot of the things we do to make a home more environmentally friendly, the customer just expects these days,” says Aaron Vaughn, Co-Owner of EcoWest Renovations, a company that specializes in eco-friendly renovation options. “On the other hand, the cost of some things [solar panels or re-insulating the exterior walls of a home, for example] is just too big, so we have very little call for them.” Vaughn agrees people may want to be more environmentally friendly, but most of them also realize they have to keep an eye on the financial bottom line, so return on investment is usually important. That said, dollars shouldn’t be the only factor people consider because livability and aesthetics are also important to people, says Vaughn. He uses a high-efficiency furnace
a lot of people don’t feel they’re ahead of the curve or particularly green if they do some of these things, it’s just what you do.” Gord Knuttila is a homebuilder whose company, S i l v e r Va l l e y Gord Knuttila, of Silver Valley Homes Ltd. stands in front of two instant hot water makers that serves 17 beds at Hannah Homes, is part House. No boiler or hot water tank is needed. of a national Photo by Colleen Flanagan network known as Built Green – a marketing strategy that encourages using low volatile organic compounds in builders and developers to incorporate paints has become an industry standard without dramatically driving up the cost “green” technology into new homes. With about 30 years in the industry, of paint. From a renovation point of view, says Knuttila says he does most – about 99 per cent – of his work in Maple Ridge, Vaughn, the main things that people and he’s noticed over the years that the have done to improve the energy efficost of incorporating environmentally- ciency of their homes are high-efficiency friendly technology has kept people furnaces, adjustable thermostats, attic from asking for it. He adds it’s been or crawlspace insulation, and air-source government regulation – such as the heat pumps. For Knuttila’s building company, the B.C. Building Code or municipal directives – that has really pushed the ‘green’ main items incorporated to make new agenda, and forced builders to comply. homes “greener” are better windows, This has resulted in certain costs being insulation, roofing, heat pumps, onadded to the overall price of a new home demand hot water, low-flow toilets, and the use of less materials (two-foot stud centers instead of 16-inch centers, and double-stud as opposed to triple-stud corners, for example). In Maple Ridge, new homes also have to be built with mandatory solar chases to permit solar panels in future. Like it or not, the cost of making a that the purchaser has no say over. Knuttila cites two-by-six walls that home more eco-friendly adds to the hold extra insulation, and the use of low- bill, which makes it more difficult to flow toilets, as examples of regulations purchase. “A lot of people are stretching to get that builders have to follow to build a into a house and the added costs don’t home in this area. “They’re just done as a matter of help,” says Knuttila. “There are a few course now because they’re required, ‘ultra-green’ people out there who want but it’s not necessarily because of con- to be as eco-friendly as possible, but even they have to watch the costs.” sumer demand,” he adds. In the end, concludes Vaughn, going However, Knuttila says going ‘green’ doesn’t have to be more expensive in ‘green’ is the way of the future, and he all cases. He notes insulation, concrete, expects more of it will be included in drywall and many types of asphalt new homes and renovations, especially roofing are often made with recycled if government regulation continues to materials that don’t add extra cost. And force the issue.
“A lot of the things we do to make a home more environmentally friendly, the customer just expects these days.” - Aaron Vaughn, EcoWest Renovations versus new Low-E coated windows filled with argon gas to illustrate the point, noting the financial payback on a furnace is much quicker, but the windows provide a more appealing, more comfortable home, so they often win out. Vaughn also suggests return on investment isn’t as big a deal as it was five or 10 years ago, when marketing programs were touting the costsavings of converting to energy-efficient technology. “I haven’t had anyone ask us in fi ve years about cost recovery, but that was the No. 1 question before. Today, I think
10 – Real Estate Resource Guide 2013–2014
How Realtors Help 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 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.
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.
Buying a Home
8. He or she will then confirm the closing and be present at closing with the buyer and the attorney, if necessary.
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.
Selling a Home
1. The 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. 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
❚❚ Courtesy Real Estate Board of Greater Vancouver www.rebgv.org
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Real Estate Resource Guide 2013–2014 – 11
ADOMI, DAMALI 604-780-6230 damali@adomiteam.com
EXNER, JASON 604-818-9851 jexner@macrealty.com
ADOMI, NEVILLE 604-782-0245 nev@adomiteam.com
FRANKLIN, TRAVIS 604-351-0235 travis_franklin@telus.net
CUMMINGS, ROGER 604-828-7643 roger@rogercummings.ca
FRASER, JAY 604-812-5425 jfraser@macrealty.com
DANZ, PAMELA 778-235-0549 pamela@pameladanz.com
HARRISON, SCOTT 604-421-2220 scott@harrisonhomes.ca
DIPIETRA, JENNIFER 604-250-8705 dipietra.realestate@gmail.com
HUBER, DICK 604-250-3977 dickhuber@telus.net
DRYBURGH, JASON 604-839-3004 Jason@thelocalliving.com
HUBER, MIKE 604-839-8647 Huber01@telus.net
EXNER, BRENDA 604-603-8043 brenda@BrendaExner.com
JENKINS, AL 604-838-8872 a.jenkins@telus.net
EXNER, HARVEY Managing Broker 604-467-3871 hexner@macrealty.com
JENKINS, BRENDA 604-816-6961 b.jenkins@telus.net
12 – Real Estate Resource Guide 2013–2014
JOHNSON, JOHN 604-727-5531 jj1946@shaw.ca
TELEP, DAVE 604-341-0783 dtelep@macrealty.com
KNIGHT, THERESA 604-307-0700 tknight@macrealty.com
TELEP, LISA 604-970-2209 lisatelep@uniserve.com
MCCALLUM, PAUL 778-551-1901 paul@macrealty.com
TENBRINK, RON 604-218-5244 rtenbrink@macrealty.com
MEADUS, SCOTT 604-313-5727 meadusrealestate@gmail.com
VANDERLEE, PETER 604-880-3275 peter@macrealty.com
PRINCE, MAGGIE 604-862-4524 mprince@macrealty.com
WARD, VICTORIA 778-838-9273 vawardskate@gmail.com
PROKOP, FRANZ 604-467-3871 franzprokop@telus.net
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Real Estate Resource Guide 2013–2014 – 13
Financing Your Home When you’re looking to buy a home, it’s important to understand the steps for getting a mortgage.
Get Pre-Approved 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 mortgage broker will guarantee the current interest rate for 60 to 90 days. • Have an edge when you make an offer, because the seller knows you’re more likely to get a loan. • Save time when you apply for your loan because you’ve already assembled your paperwork.
Where To Get Pre-Approved Many banks and financial institutions are competing for your business so it makes sense to shop around for a mortgage. Most 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. A broker will help you find a lender and the best mortgage package. Once you have selected your lender, you’ll need to provide your financial information.Your lender will want the following: • Personal information such as number of dependents and marital status. • Details of employment, including a letter from your employer verifying your salary. • Banking and investment information. • Details of your assets.
• Information on loans & other liabilities. • Permission to do a credit check. After your application is complete, you’ll know how much you can borrow and you can start searching for a home.
Mortgage Payment Tips • Shorten your loan repayment or amortization period to 20 years from 25 years. You’ll pay higher monthly payments, but you’ll build equity faster and you’ll pay less in interest over the long term. • Apply for a prepayment option. If you receive one, you can directly pay down some of your principal before it’s due. Check for prepayment penalties. • Pay bi-weekly instead of monthly. You’ll make 26 payments in a year or 13 months instead of just 12 and reduce your amortization to about 20 years. ❚❚ Courtesy Real Estate Board of Greater Vancouver www.rebgv.org
There is no place like home... let us help you find yours! Purchasing or selling a property is usually one of the most important investment decisions you will ever make. The Fraipont & Manyk Team offers expert real estate advice and a complete range of services to make all your real estate experiences easy and enjoyable. Get in touch with us today and put our professional teamwork to work for you.
Each office independently owned and operated
Fraipont & Manyk professional teamwork ~ professional results
14 – Real Estate Resource Guide 2013–2014
604.466.2838 www.rltylink.com
Home Checklist Before you start looking for a new house, take a moment to figure out what you need or want. This will help your real estate agent narrow down the right houses to show you.
Exterior
Want
RIDGE-MEADOWS #1 RATED AUTO REPAIR & MAINTENANCE SHOP
Need
HONEST - FRIENDLY - QUALITY SERVICE & REPAIRS YOU CAN TRUST!
Large lot and yard
FREE TIMING BELT
Low maintenance yard Single family detached home Basement suite
CALL FOR DETAILS.
Town home Condominium One story Two stories Fenced back yard Deck or patio area Attached garage Private driveway Brandon Zimmerman, co-owner of Haney Automotive, changes the brakes on a truck
Aluminum siding Wood siding Brick exterior
Interior
Want
Need
Two bedroom Three bedroom
HANEY AUTOMOTIVE Recognized by residents as the shop to go to. Known for Honest, Friendly, Quality workmanship. Owned and operated by brothers Brandon and Brad Zimmerman, Haney Auto was nominated for the 2012 “Business Excellence Award” by the Chamber of Commerce and is rated the #1 shop by readers of both local newspapers, 2011 and 2012. Considering there are 30 shops to choose from, “Team Haney is elated with these results.
Four bedroom One bathroom Two bathrooms Closet in entry Fireplace in living room Separate family room Eat in kitchen Island kitchen Kitchen appliances with purchase
TESTIMONIAL
Laundry room Master bedroom ensuite Large windows Basement
Pat Drummond
“Matchmaking Buyers And Sellers For A Quarter Century.”
FIVE STARS We have been using Haney Automotive for a number of years. The service is always excellent. We have never been pressured into having extra work done on our vehicles. Honest, hard-working family run business. I have recommended their service to friends and will continue to do so. Keep up the Great Work ! Thanks to Brandon and Team. Eric Sutton and Family
MAPLE RIDGE PITT MEADOWS
A-LIST
MASTER
1
#
T 11 Fa H E N E W S 2 0 r i vo pa urit e Auto Re
LIFETIME MEMBER
Helping you is what we doTM
patdrummond@royallepage.ca
Brookside Realty 11933 224th St., Maple Ridge
604-817-8664
www.matchmakingbuyersandsellers.com
A-LIST
2 TH E NEWS 201 Fa ir vo pa urit e Auto Re
22711 Selkirk Ave, Maple Ridge
THE AWARD OF EXCELLENCE
Pat Drummond
MAPLE RIDGE PITT MEADOWS
Shannon Drummond
604-612-8687
604.467.0138
The brown building next to Save on Foods at the Valley Fair Mall
Call us for a free market evaluation of your home! Real Estate Resource Guide 2013–2014 – 15
Each office independently owned and operated
LifeStyles
ANTALEK, RON 604-351-3261 ronantalek.com
CHADWICK, MATHEW 604-466-2838 mathewchadwick.com
HAMILTON, STEVE 604-467-8881 hamiltongs@shaw.ca
ANTALEK, LOUISE 604-351-3259 louiseantalek@gmail.com
CHIVERS, GLEN 604-420-9100 glenn@chivers.ca
HAMILTON, GLORIA 604-467-8881 gloriahamilton@shaw.ca
BARTHELS, DIANA 604-657-6231 dianab@telus.net
CRAIK, PAUL 604-230-3037 paul@craikteam.com
HARTT, RYAN 778-866-7478 ryanhartt.ca
BARTHELS, GORDON 604-250-0594 gordonbarthels.com
DALE, JOHN 604-816-9604 johndale.ca
HENNESSEY, JUSTIN 604-805-4669 justinhennessey.com
BELL, TONY 604-671-7840 tony@tony-bell.com
DUNN, PENNY 604-818-8762 consideritdunn@telus.net
HICKMAN, JAN 604-828-3445 jan@janhickman.com
BHARWANI, ANIL 604-476-1111 anilbharwani.com
DUNN, WILLARD 640-818-8760 consideritdunn@telus.net
JEEVES, ROB 604-240-2629 rjeeves@shaw.ca
BOROS, KELLY 604-762-4212 kellyboros.com
DUSHOP, PETER 604-765-7934 peterdushop.com
JOHANNSON, ORLANDO 604-803-4336 housesinmapleridge.com
BUDD, FRANK 604-724-5567 frankbudd.com
EZZATI, MITRA 604-459-2838 mitraezzati@hotmail.com
JOHNSON, ROB 604-880-2944 robrealtor@telus.net
BUYZE-KERR, LYNDY 604-466-2838 lyndybuyzekerr.com
FARAH, JEFF 604-880-4663 properties@jefffarah.ca
JOHNSTON, BOB 604-727-3445
CARLSON, DON 604-466-2838 doncarlson55@hotmail.com
GAMBLING, HELEN 604-230-7311 helengambling.com
KEEGAN, COLLEEN 604-561-0054 colleenkeegan@remax.net
16 – Real Estate Resource Guide 2013–2014 REMAX-RIDGEMEADOWS-BC.COM
bobjohnstonremax@gmail.com
Maple Ridge: 22308 Dewdney Trunk Road 604.466.2838 Pitt Meadows: #2-19126 Ford Road 604.459.2838
KEENAN, ADRIAN 604-312-6488 adriankeenan.com
R.P. LUKE 604-561-0053 rp_luke@hotmail.com
WOOD, RACHAEL 604-999-7448 rachaelwood.ca
LUNSTED, CORY 604-209-9183 corylunsted@remax.net
RUPPEL, TERRY 604-671-6055 terryruppel@telus.net
WYANT, SANDRA 604-813-9447 sandrawyant.com
MANYK, LORRAINE 604-828-8634 rltylink.com
SHEPPARD, DEBBIE 604-312-3705
YONG-WILSON, ERISSA 604-880-8683 erissayong@aol.com
MOUDATSOS, MARIA 778-388-6533 realestateinmapleridge.com
SMITH, TERRI 778-988-1224 terrismith.ca
NEUFELD, ART 604-657-6830 artneufeld.com
TEDFORD, MARGARET 604-258-8979
NEUFELD, NATHAN 778-834-1567 artneufeld.com
TENBRINK, DAN 604-762-4663 dantenbrink.com
WEININGER, RAINER Broker/Owner 604-341-1995 rainerw@telus.net
O’GRADY, JOHN 604-202-5117 mapleridgerealestate.com
TOORENBURGH, BETH 604-716-2384 betht@remax.net
FRAIPONT, GARY Broker/Owner 604-466-2838 rltylink.com
PACHECO, GIOVANNI 604-626-9399 realtorpacheco@gmail.com
WEAVER, JEFF 604-809-8788 jeffweaver.ca
BOUCHARD, MICHELE Broker/Owner 604-466-2838 mbouchard@remax.net
PFEIFFER, ASHLEY 604-813 4421 therightproperty.ca
WILLIAMS, JIM 604-463-2200 6044632200.com
RAI, REENA 604-368-5400 reena.rai.remax.ca
WILSON, VICKI 604-341-3575 vickiwilson@telus.net
debbiesheppard.remax@telus.net
ENG, KEN General Manager 604-466-2838 kengremax@gmail.com
margarettedford@remax.net
For The Way You Live Real Estate REMAX-RIDGEMEADOWS-BC.COM Resource Guide 2013–2014 – 17
First Time Homebuyer Tips
Buying your first home is a big decision. Make it an enjoyable experience with these great tips.
With housing prices in the Lower Mainland among the steepest in Canada, it may seem like home ownership is a far-fetched dream for many in their 20s and 30s. But with interest rates near record lows, you may want to consider taking the plunge to purchase your first home—just make sure you do your research first. “Entering the housing market can be daunting,” says Trevor Goss, Personal Account Manager at Envision Financial’s Langley City branch. “There are so many factors to consider, from saving up for a down payment to figuring out how much you can afford, to understanding the hidden costs associated with home ownership. But with some careful planning, patience and research, home ownership may be a lot closer than people realize.” As with any big purchase, Goss advises that the first step in moving towards home ownership is to save for a down payment. While it may be tempting to take advantage of current low rates by putting down the minimum possible, Goss cautions that is not always the best solution. The larger the
down payment you make, the smaller your mortgage will be and the less interest you’ll pay over the term of your mortgage. Goss suggests that you have a large savings goal like a down payment, you should start by paying yourself first. Before you spend any of your pay cheque, transfer a set amount of money into a savings account so you’re not tempted to spend the money. First-time home buyers can also take advantage of a one-time opportunity to withdraw up to $25,000 from their RSPs to finance their home purchase and use those funds to offset a down payment or to help with other closing costs. This means a couple can withdraw up to $50,000 to put towards their first home purchase. “You can also prepare for home ownership by meeting with your account manager for a financial check-up before you apply for a mortgage,” says Goss. “If you have existing debt, review your options to consolidate and extend the terms and lower your payments—which will also help you qualify for a larger mortgage. Having a lower payment allows you to use the extra money to make lump sum payments towards your existing debt to pay it down faster or direct the funds to save for your down payment. You’ll want to bring proof of your income with you - this will help your account manager determine what you can afford and is necessary to complete your mortgage application or preapproval.” According to Goss, it’s important to make sure you buy a home that you can actually afford—both now and in the future as interest rates begin to increase. An experienced account manager can also help you with interest rate derisking strategies to navigate through this unknown factor that affects every home owner. “I suggest sitting down with your account manager to review your financial plan and go through all the costs associated with owning a home to obtain a rough idea of what your total expenses will be,” advises Goss. “Once you have determined your estimated costs, save the equivalent amount from each pay cheque minus your current housing costs. This will help
18 – Real Estate Resource Guide 2013–2014
you understand what it will feel like to live at this new adjusted level. We all want to buy our dream home right away, but the last thing you want to do is get in over your head.” “As a rule of thumb, your monthly housing costs, which include your mortgage payments, property taxes, hydro, heating bills to strata fees, should not exceed 30-35% of your gross monthly income,” adds Goss. “Make sure you leave some extra cash to live life and to ensure you don’t feel overwhelmed with debt.” Beyond the initial purchase price of a home, there are many other costs people need to consider and factor into their budget such as inspections, appraisals and legal fees, tax adjustments, home insurance, mortgage protection insurance and preparing wills and power of attorneys. Goss also encourages people to educate themselves on mortgage basics, such as learning the difference between a fixed rate mortgage and a variable rate mortgage. While a fixed rate mortgage offers less flexibility, it is a great option for people who like security and want to know exactly how much interest and principal they’ll be paying throughout the duration of their mortgage. Variable rate mortgages fluctuate with the market and are often preferred by people who are willing to take a chance for possibly lower interest costs. “Make sure you get a formal mortgage pre-approval once you are within 90 days of your planned purchase,” comments Goss. “The pre-approval process will secure the mortgage rates for 90 days at a time so if interest rates rise while you’re looking for your new home, you’ll be protected.” “Buying your first home is both exciting and intimidating. There is a lot to learn and there are many big decisions involved,” says Goss. “Many credit unions, like Envision, will work with you to take the worry out of home financing and give you the information you need to make an informed decision and take that first step towards home ownership.” ❚ Courtesy of Envision Financial, Ridge Meadows Branch
What other Costs are Involved with Buying a Home? It’s important to go into the process of buying or selling a home knowing all of the costs involved beyond the asking price of the property and realtor expenses. Here’s an overview for some of the costs involved in buying and selling a home:
Mortgage Application
Lenders may charge a mortgage application fee, which will vary depending on the lending institution.
Mortgage Insurance
The federal government requires highratio mortgages (with less than 20% down payment) to be insured against default. The cost ranges between 1.25 to 3.75% of the mortgage amount.
Appraisal Fees
Before your lender approves your mortgage, you may be required to have an appraisal done. The fee ranges and is typically as much as $300.
Land Survey Fees
Lenders may require a survey of the property. Survey costs vary.
Home Inspection Fees
A home inspection reports the condition of the home and any potential issues. Fees can range from $500 - $700.
mortgage payments.
Buyers of newly constructed homes must also pay the 5% GST on the sale price. There is a federal GST Rebate of up to 36% per cent of the GST for homes priced at less than $450,000.
Mortgage Life Insurance
Goods and Services Tax (GST)
2% BC Transition Tax
This is a new tax that came into effect on April 1, 2013. It applies to the sale of new residential homes that are 10% or more complete on April 1, 2013, with ownership or possession occurring on or after April 1, 2013 and before April 1, 2015.
Property Transfer Tax
Payable at the time the property is registered at the Land Titles office. The rate is 1% per cent on the first $200,000 and 2% on the remainder. There is a rebate for qualifying first-time buyers
Property Taxes
Some lenders require property buyers to add property tax installments to monthly
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604-466-1976
A buyer typically is required to reimburse the seller for any prepayments. If your spouse or partner passes away, this type of insurance will pay off the balance owing on your mortgage.
Fire and Liability Insurance
Most lenders require property buyers to carry fire and extended coverage insurance and liability insurance.
Home Insurance
Buyers with a mortgage will be required to buy home insurance.
Legal or Notary Public Fees
Legal or notary public fees and expenses will likely apply to assist with drafting documents and ensuring the title of the home is transferred properly .
Moving Fees
Moving fees will vary. ❚❚ Courtesy Real Estate Board of Greater Vancouver www.rebgv.org
604-561-0053
Your BEST
Mortgage Advice is One Call Away
Pre-paid taxes or utility bills
Buying? Selling?
WE’LL
GET YOU
NOTICED! Call us today
Donna Telep, President, CEO or visit us on the web
www.sevillemortgage.ca 22718 Lougheed Hwy., Maple Ridge Fax: 604-466-5348 Email: donna@sevillemortgage.ca
REENA Realtor
COLLEEN Realtor
LUKE
Seniors Real Estate Specialist
www.rpluke.com Each office independently owned and operated
Real Estate Resource Guide 2013–2014 – 19
10 Steps to Buying Your Home 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 find 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. ❚❚ Courtesy Real Estate Board of Greater Vancouver www.rebgv.org
MAPLE RIDGE NOTARY PUBLIC
Cassandra Coolin
• Real Estate Transfers • Mortgages
Born and raised in Maple Ridge, Cassandra strives to deliver exceptional service to her clients for an affordable price.
• Refinancing • Wills • Powers of Attorney • Representation Agreements • Advance Directives • Notarizations • Statutory Declarations • Affidavits • Certified True Copies • Travel Consent Letters
22358 Dewdney Trunk Road Maple Ridge (604) 463-5106 www.mapleridgenotarypublic.com 20 – Real Estate Resource Guide 2013–2014
Brookside Realty
GOING THE EXTRA MILE We are committed to being there for you every step of the way when you buy or sell through us. If there is something that we can be doing to get you the results you want, you can bet that we are doing it.
WE OFFER... LOCAL EXPOSURE:
SKILLED NEGOTIATION:
AN INNOVATIVE MARKETING PROGRAM:
A REPUTATION YOU CAN TRUST
Listing agent recognition, picture boards at three locations, print and web-based advertising, plus both office and MLS® tours. We have the knowledge and skill to grab the attention of potential buyers.
CONSISTENT COMMUNICATION and ACCOMMODATION:
With both the Seller and the Buyer (or Buyer’s agent), so nobody is left feeling unattended to.
GIVING BACK
Resourceful negotiation techniques that always respect market conduct, but get the results you want. I’ve been assisting people of our community as they buy and sell real estate for over 37 years and have built my career primarily on repeat business and referrals. It’s never been about ‘closing a deal’ for me, but rather about working to set my clients up in the best situation possible. Bob Terepocki
A portion of each commission that we earn is donated to Cythera Transition House Society via Royal LePage Shelter Foundation.
“We’d LOVE for you to LIKE our Facebook page!” www.facebook.com/SellingMapleRidge.
10 Steps for Selling Your Home 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’s 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. This authorizes your agent and their brokerage to market and sell your home. It will define 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 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 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. 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 finances. 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
Residential Real Estate and conveyancing Services Top realtors and mortgage brokers choose us and we hope you will too. With us, you get more than just your real estate needs covered.
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. ❚❚ Courtesy Real Estate Board of Greater Vancouver www.rebgv.org
your family • your home • your town • your agent
your family Call: home • your town • your agent • your 604-818-9851 jasonexner.com Office: 604-467-3871
jexner@macrealty.com
Call: 604-818-9851 jasonexner.com Office: 604-467-3871 jexner@macrealty.com Macdonald Realty Ltd. 22718 Lougheed Highway Maple Ridge, BC
V2X 2V6
Not intended to solicit properties currently listed for sale or individuals currently under contract with a Brokerage
Thinking of Buying or Selling? Macdonald Realty Ltd. 22718 Lougheed Highway Maple Ridge, BC
V2X 2V6
Not intended to solicit properties currently listed for sale or individuals currently under contract with a Brokerage
Whether this is your first home or your retirement home, ensure the legal documentation is done quickly and correctly. • Full-service processing of purchases, sales and refinances • Commercial and residential properties • Mortgage preparation • Title review • Client signing and closing
• Assistance with Property Transfer Tax Returns, payments and exemptions. • Complete Electronic Registration capability • Estate planning conveyancing
Call me today!
Your Agent is Now Mobile!
Your Agent is Now M
More ways to find the perfect home. Jason Exner has given you more ways to find you
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Macdonald Realty Ltd.
Search by Map on2V6 Jason Exner’s mobile site click the•Search Map linkBC onyour my mobile Lougheed Highway Maple Ridge, V2X your family • your 22718 home yourby town agent •link Not intended to solicit properties currently listed for sale or individuals currently under contract with a Brokerage
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Not intended to solicit properties currently listed for sale or individuals currently under contract with a Brokerage
LAWYERS & NOTARIES
Business Law • Incorporations • Real Estate • Family Law & Mediation Litigation • ICBC & Personal Injury • Wills, Probate & Estate Planning
604-465-9993 bEckERLAWYERS.cA
Meadowvale Centre • 230 - 19150 Lougheed Highway, Pitt Meadows
Call: 604-818-9851 Office: 604-467-3871
your family • your home • your town • your agent
jasonexner.co jexner@macre
Call: 604-818-9851 Office: 604-467-3871
jasonexner.com Macdonald Realty Ltd. jexner@macrealty.com 22718 Lougheed Hwy, Maple Ridge
Your Agent is Now M Jason Exner has given you more ways to find you
Macdonald Realty Ltd. 22718 Lougheed Highway Maple Ridge, BC
V2X 2V6
Not intended to solicit properties currently listed for sale or individuals currently under contract with a Brokerage
Real Estate Resource Imagine Guide being 2013–2014 21the details of any home able to –see
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Eco-Friendly Regulations ❚ By Robert Prince It’s hard to argue with the notion that regulations and incentives were defi- extra trees or park space, and we give anything we can do to make residential, nitely a driving factor 10 years ago, but them more density if it’s appropriate.” But she does think more developers commercial and industrial development today he thinks consumers take it for more environmentally friendly is better granted that these things have to be are looking to incorporate “green” initiatives into their projects because that’s for the planet, yet the financial costs asso- done. “There used to be lots of government what consumers are now demanding. ciated with this “greening” often make the Mayor Daykin, on the other hand, isn’t whole concept hard to swallow for devel- grants for energy-efficient windows, doors, heat pumps and so on, but as sure consumers are demanding ecoopers, builders and consumers alike. friendly initiatives as a Indeed, it could be matter of course. argued that if not for “I do wonder about that increased government at times,” he muses. r e g u l a t i o n r e ga r d i n g However, he also conenvironmentally friendly siders it important that initiatives, we wouldn’t environmentally friendly be nearly as far down the development takes place road today as we actually for the good of the comare. munity in the long run. Gord Knuttila is one “I think the next genMaple Ridge house eration is going to do a builder who believes it’s better job of being ecogovernment regulation friendly, and there is as opposed to consumer going to be an expecdemand that has been tation from younger driving the “green” agenda home buyers that we forward, for the most part. need to do a better job in “Regulation is definitely District of Maple Ridge Mayor Ernie Daykin by a low-flow toilet in a reducing fossil fuel use, driving this forward more unit in Maple Towers. Photo by Colleen Flanagan for example.” than customer demand,” He says the process says the Owner of Silver Valley Homes. “Everyone likes the idea, most of that is gone now… at least for of incorporating “green” technology is “slow,” and that government does tend but when it comes out of their pocket consumers.” From the government standpoint, to over-regulate at times, but suggests directly, they’re not so keen.” For instance, when he sits down with Mayors Deb Walters (Pitt Meadows) and that “to some degree I think we have to a new client, he adds, it’s more likely Ernie Daykin (Maple Ridge) think the [push the agenda].” Daykin says he firmly believes the he will bring up the subject of environ- government regulation angle isn’t as mentally-friendly options rather than onerous as some people might think. carrot approach is the better way to the client, primarily because of the per- For the most part, they agree, local reg- go in encouraging developers to go ceived added costs involved, some of ulation has been more about the carrot “green.” He says Maple Ridge is waiting to evaluate the results of the downtown which are more expensive, but many of than the stick. In Pitt Meadows, Walters says there is incentive program it launched a couple which aren’t. Keeping costs down is the rule very little actual regulation pertaining to of years ago to encourage builders to be of thumb in the building industry, eco-friendly development. Most of what more environmentally sensitive in their especially in Greater Vancouver ’s the city tries to do is get developers and downtown developments. Tax incentives and other “carrots” already-expensive housing market, builders to use the community’s Smart and that’s the main reason developers Growth checklist, which is a compilation were used, and Daykin says about 30 and consumers have needed the push of “green” ideas that could be incor- projects were filed using the program. from government to incorporate some porated into new developments if the Now he’s waiting to see the results, and whether it worked, and whether any of the eco-friendly standards that are builder so chooses. Naturally, she adds, the more a of it can be applied to the rest of the now part of the B.C. Building Code and municipal bylaws – such as better insu- developer agrees to use components of the community. Mayor Walters believes municipalities lation, low-flow toilets and solar-ready list, the more likely he or she is to get the homes. At least that’s Knuttila’s take on kinds of concessions desired … for instance will eventually start requiring more from developers along environmental lines, when it comes to density bonuses. the situation. “I think most developers look at it that but right now she thinks the current Aaron Vaughn, Co-Owner of EcoWest R e n o v a t i o n s , s a y s g o v e r n m e n t way [as a bargaining chip]. They give us system is working for her community. 22 – Real Estate Resource Guide 2013–2014
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Real Estate Professionals With Local Market Knowledge and Experience. Real Estate Resource Guide 2013–2014 – 23