Welcome Home With Deb & Michelle: Nov 2020

WELCOME HOME:

with Deb & Michelle Able Realty

IN THIS ISSUE: Our Listings October’s Market Stats Testimonials Pro Tips: Purchasing Made Easy

NOV 2020

WE NEED YOUR HOME!

WELCOME TO REAL ESTATE:

with Deb Cook & Michelle Bailey Confidence. Commitment. Connection.

Yorkton’s ONLY team specializing in:

RESIDENTIAL

COMMERCIAL

FARM

Meeting all of your real estate needs!

Deb Cook

Michelle Bailey

ABR, SRS, RENE

ABR, SRS, RENE

REALTOR

REALTOR

Phone: 306.621.6495

Email: deb.cook@century21.ca Consistent High Quality Service 2014-2017

2

Outstanding Sales & Performance 2018, 2020

Phone: 306.621.5032

Email: michelle.bailey@century21.ca

2020

Broadway Park Realty Able Realty

Top Performer 2014-2018

Outstanding Sales & Performance 2020

2020

OCT 2020

Able Realty

NUMBER OF

AVERAGE

$217,454

LISTINGS

PRICE

LAST YEAR

ACTIVE

SOLD

$237,771

130

NUMBER OF

SOLD

LAST YEAR

PROPERTIES

181

AVERAGE DAYS ON MARKET

26

: 76

WELCOME MESSAGE: Okay, maybe not totally ready ;)

LAST YEAR 19

Ready for winter

It’s been a few weeks since Thanksgiving and we hope you enjoyed it… It’s always a time to take a moment to count your many blessings. We have so much to be thankful for, and seek to stay in the gratitude frame of mind throughout the year.

Now it’s time to look forward to the Christmas season (our favourite celebration with our grandbabies!). We’ve been busy, and as you can see on pages 4-5, we are in need of some homes to sell!

Inventory is very low for Yorkton - we have buyers waiting for homes to come on the market. With the interest rates at an all time low (see our article on page 6) it couldn’t be a better time to buy! For homeowners, this is also good news. There is a larger buyer pool able to afford to purchase a home. Call us to chat and see what you’re home is worth - our advice is free! @DebCookRealtor

@michellebaileycentury21

@debcookrealtor

@m.baileycentury21

Deb Cook | Michelle Bailey 306.621.6495 306.621.6495

306.621.5032 306.621.5032

3

ON THE MARKET: RESIDENTIAL MLS SK826459

MLS SK813855

MLS SK823821

MLS SK817892

$524,000

$499,900

$469,000

$419,000

MLS SK825884

SOLD

MLS SK828150

MLS SK815585

$375,000

$339,000

SOLD

MLS SK822242

6 CHERRYDALE ROAD 1 WHITESAND DRIVE 15 GARRY PLACE 26 SWITZER BAY BEDS: 4 | BATHS: 3 | SQ. FT: 1,522 BEDS: 4 | BATHS: 4 | SQ. FT: 2,545 BEDS: 4 | BATHS: 4 | SQ. FT: 2,345 BEDS: 4 | BATHS: 4 | SQ. FT: 1,803

SOLD

66 WHITESAND DRIVE BEDS: 4 | BATHS: 3 | SQ. FT: 1,318

35 GARRY PLACE

MLS SK828078

MLS SK799927

$329,000

$258,000

MLS SK809858

MLS SK818977

52 WINDFIELD PLACE 135 INDEPENDENT STREET BEDS: 5 | BATHS: 3 | SQ. FT: 2,002 BEDS: 5 | BATHS: 2 | SQ. FT: 1,000

$214,900

$175,000

53 CALDWELL DRIVE 110 SUNSET DRIVE NORTH BEDS: 5 | BATHS: 3 | SQ. FT: 2,002 BEDS: 4 | BATHS: 3 | SQ. FT: 1,848

LD O S SOLD

$228,900

89 LOGAN CRESCENT

137 INDEPENDENT STREET BEDS: 3 | BATH: 1 | SQ. FT: 1,000

SOLD

MLS SK811113

LD O S SOLD

$164,900

26 RUSSELL DRIVE BEDS: 4 | BATHS: 2 | SQ. FT: 988

115 GORDON AVENUE WEST BEDS: 4 | BATHS: 2 | SQ. FT: 1,294

193 ALLANBROOKE DRIVE

89 FIFTH AVENUE NORTH BEDS: 3 | BATH: 1 | SQ. FT: 792

SOLD

MLS SK823359

MLS SK823372

SOLD

LD O S SOLD

152 FOURTH AVENUE SOUTH

$159,000

$134,900

52 WESTSHORE GREENS 93 FOURTH AVENUE NORTH BEDS: 2 | BATHS: 2 | SQ. FT: 1,000 BEDS: 3 | BATHS: 1 | SQ. FT: 1,152

FREE

HOME EVALUATION

Call us!

4 Able Realty

LD O S SOLD

153 WELLINGTON AVENUE

A $250 VALUE

$415,000

LD O S

The Listings MLS SK830742

MLS SK830113

SOLD

LD O S

$89,000

$119,000

9 APPLETON DRIVE BEDS: 2 | BATH: 1 | SQ. FT: 952

94 INDEPENDENT STREET BEDS: 3 | BATHS: 2 | SQ. FT: 996

OUT OF TOWN MLS SK807853

MLS SK827048

MLS SK830974

SOLD

157 BETTS AVENUE

$39,000

3 APPLETON DRIVE BEDS: 3 | BATHS: 1 | SQ. FT: 1,208

MLS SK810924

Deb & Michelle RM NO. 243

PELLY

$359,900

$135,000

MLS SK822245

MLS SK821898

ACREAGE, R.M. WALLACE 304 SECOND STREET EAST BEDS: 3 | BATHS: 3 | SQ. FT: 1,320 BEDS: 3 | BATHS: 2 | SQ. FT: 1,120

SPRINGSIDE

$64,900

618 FIRST AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 768 MLS SK809624

BREDENBURY

$56,000

ConямБdence.

Commitment.

Connection.

BUCHANAN

$56,000

MLS SK819621

SPRINGSIDE

SPRINGSIDE

$29,999

$28,500

121 SEATON STREET BEDS: 2 | BATH: 1 | SQ. FT: 646

231 6TH STREET SOUTH BEDS: 3 | BATH: 1 | SQ. FT: 960

110 WILLIS AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 871

420 TAYLOR AVENUE BEDS: 0 | BATHS: 0 | ACRES: 0.28

MLS SK790259

MLS SK810924

SOLD

MLS SK822245

RHEIN

BUCHANAN

$69,900

$64,900

421 MAIN STREET BEDS: 3 | BATHS: 2 | SQ. FT: 1,040

618 FIRST AVENUE WEST BEDS: 2 | BATH: 1 | SQ. FT: 768

MLS SK831494

MLS SK828039

COMMERCIAL

LD O S

SPRINGSIDE

SOLD

124 PATRICK STREET

SPRINGSIDE

$56,000

121 SEATON STREET BEDS: 2 | BATH: 1 | SQ. FT: 646

Deb & Michelle $185,000

272 BROADWAY ST. WEST S3N 0N6 | SQ. FT: 1,785

WE PAY

$8.50

328 BROADWAY ST. WEST S3N 0N6 | SQ. FT: 3,181

List With Us!

$$ FOR

Qualified Referrals Deb Cook | Michelle Bailey 306.621.6495

306.621.5032

!!

ASK US FOR DETAILS

5

TESTIMONIALS

Why Deb & Michelle ?

“

Michelle listened and very quickly understood our wants and needs..in both selling and purchasing a house. Throughout the process of doing both we never felt alone. She provided us with open honest professional communication, took the time to answer our questions, gave us options and when she offered her guidance, she always had our best interests at heart.

Selling: her tips and advice to achieve a fast sale without jeopardizing its value proved to be sound. We had an offer to purchase our house presented to us after only five days of it being on the market!

Purchasing: she not only found our dream house, but she helped us oversome challenges and celebrated our every victory along the way. We could not have made owning our dream house a reality without her, and for that we will forever be grateful.

- Kevin & Kendra Olson

Deb is outstanding at what she does. We are thrilled with her efforts. Professional, knowledgeable, patient and kind. We highly recommend her!

- Shaleen

“

PRO TIPS:

Purchasing Made Easy

What a great time to buy your first home or second home! Rates are the lowest they have been in history. Many institutions are offering rates well below 2%, on a fixed rate.

What does fixed mean?

A fixed rate is a guaranteed rate for a certain period of time (term). Rates can even include 4 or 5 years.

How important is a fixed rate?

A fixed rate gives you unchanging payments for the term you have chosen. Peace of mind is of the highest importance for most, and this fixed rate allows you to budget for other expenses in your life.

What does this mean when buying a home?

With rates as low as they are now, it is most certainly cheaper to buy a home and make mortgage payments, rather than renting. For example, if you are paying $1,000 a month for rent, that $1,000 a month could actually buy you a home for approximately $250,000 - principal and interest payments with only 5% percent down! This calculation is based on

6 Able Realty

PRO TIPS:

Continued..

the current average mortgage rate, other conditions may apply of course.

If you are wondering how to find out how much you can afford, call your financial institution and get pre-approval. Your bank will let you know how much you can afford, based on your income, credit rating and down payment. If you do not qualify at this time, find out what you need to do to get to your goal. Setting a goal will help you to focus on the future and owning a home. For example, if your credit rating is below the required base line, now is the time to find out how to improve your rating so you can buy in the future. Preparing now leaves out unwanted surprises when you find that perfect home.

Even if you do not plan to buy right away, it is still recommended to get pre-approved now and prepare for the future. It never hurts to have more knowledge of where you stand!

Getting a mortgage is much different than getting credit for other purchases out there.

The amount one can borrow is based on what is called a debt servicing ratio. Debt servicing is determined by how much you earn VS. your debt load.

So, if you are looking to buy in the future, making a purchase on something that has high monthly payments may lower your purchasing ability! This is the main reason it’s so important to get in touch with your bank of choice sooner, rather than later, to find out what you can afford. It also gives yourself time to make changes, if needed. Keep in mind that there are certain programs out there offered to help buyers! Some institutions are even offering a 3% cash back on purchase. There are also programs available for folks who may need help with the down payment. The interest rate may be a bit higher, but the program gives you the ability to borrow legal fees and some down payment if needed.

Buying a home is investing in your future. Why throw your money away in rent when you can possibly buy a home? Deb and Michelle both have access to great lenders who will be happy to help you.

Give us a shout if you have questions or need help, our advice is free!

HAND-PICKED HELP FOR YOUR HOME:

Our Hometown Faves!

Leland Campbell Kondratoff Persick LLP Barristers & Solicitors

YORKTON

CANORA 116 2nd Avenue

KAMSACK

36 Fourth Avenue North

445 Second Street

306-783-8541 www.lelandcampbell.com

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Mark’s Yorkton | 26 - 230 Broadway Street East | 306.782.1414

Deb Cook | Michelle Bailey 306.621.6495 306.621.6495

306.621.5032 306.621.5032

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HAND-PICKED HELP FOR YOUR HOME:

Our Hometown Faves!

8 Able Realty