Feb 2015 - Issue #3 by Living In Sudbury Magazine

February 2015, Issue #3

Ways you Can Fail a Home Inspection

Get the Details on the Zero Cash Down Payment Program

5 SIGNS

YOUâ&#x20AC;&#x2122;RE READY TO BUY A HOUSE

sales representative

Charles Marsh Realty, Brokerage, Independently Owned & Operated

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Contents 6 YOUR HOME MAINTENANCE

CHECKLIST FOR FEBRUARY

16 SUDBURY EVENTS FOR MARCH 20 10 WAYS YOU CAN FAIL A HOME INSPECTION A house inspection is simply a visual evaluation of its condition.

26 5 SIGNS YOU’RE READY TO BUY A HOUSE 30 AVOID THESE BASEMENT DECOR MISTAKES 36 SIX WAYS TO USE WALLPAPER, BUT NOT ON YOUR WALLS

48 GET THE DETAILS ON THE ZERO CASH DOWN PAYMENT PROGRAM

54 4 REAL ESTATE APPS YOU NEED TO CHECK OUT Coldwell Banker Charles Marsh Real Estate Brokerage

TOP TEN TEAM IN CANADA * FOR HOMES SOLD

CHRIS PENNEY

DEREK GOUDREAU

ANGELA SNOW

ARIELLE HALL

NATASHA LAVALLEE

Team Leader

Sales Representative

Unlicenced Assistant

THE CHRIS PENNY ALL STAR TEAM 705-470-3444 2013 ranking for Coldwell Banker affiliates only.

About Chris Chris Penny is highly regarded

a system took a tremendous

as one of the Greater Sudbury’s

amount of development and

most respected and prominent

great financial investment.

Real Estate Agents. Chris

Penny’s

willingness

Thank you so much for

Chris’s unique blend of entrepre-

spend the extra dollars to get

neurial experience, along with

results for his clients definitely

his outstanding work ethic even-

makes him stand out. A market-

my home. You made the

tually lead him to found the Chris

ing plan refined over the years

Penny Real Estate Team. In less

designed to create incredible

process simple and were

than two years Chris grew the

exposure and awareness. He is a

team to a total of five members

very experienced negotiator that

swer questions. I was kept

which proved to be successful

delivers amazing service. Chris

well informed and loved

being ranked 3rd in Ontario and

and his professional support

7th in all of Canada for Homes

staff are a total package. Chris’s

sold as a sales representative for

goal and commitment is simple

home sold without any is-

Coldwell Banker.

“Get Results” for you while mak-

sues, I would definitely rec-

ing each transaction progress

ommend the Chris Penny

Chris has a genuine love for peo-

smoothly with the least amount

ple and the Greater Sudbury Real

of inconvenience and still create

Estate Profession. He believes

the incredible awareness needed

any individual willing to pay for

to get the best possible price.

the services of a Professional

your services in selling

always available to an-

your feedback feature. My

Team to anyone selling or buying!

Ms. Sarah King

Real Estate Agent deserves only

The professional staff is an ex-

the absolute best that agent has

tension of Chris Penny to help

to offer.

him be the best he can be. They

Let’s just say he has an un-

provide you with personal ser-

quenchable thirst and desire to

Right from the beginning Chris

vice you deserve with big results.

get the best possible results and

knew that he needed to imple-

Chris is continuously looking for

give the best service at all times.

ment a system that could create

ways to improve his service and

an incredible amount of expo-

increase exposure no matter how

With Chris’s Guaranteed Home

sure for his client’s properties,

good it already is, keeping as ad-

Selling System, his clients con-

giving them a competitive edge,

vanced as possible through tech-

sistently sell their homes Faster

while at the same time providing

nology.

and for More Money.

the best service possible. Such Coldwell Banker Charles Marsh Real Estate Brokerage

What our clients say Jane & Jeff Kuhn

Mr. Neal Philipow

Lesley & Mike Warbrick

We recently listed our home of thirty years with the Chris Penny Team. We were very pleased with the “gentle” handling of our sale. Chris reassured us from the first meeting and we continued to have wonderful service from Natasha, who promptly responded to all our questions. Chris took the time to walk us through every step of the process and Natasha provided all the support when I found the process puzzling or hard to understand.

Chris Penny and team did not disappoint. They were on top of it every step of the way. At no point was I not able to get a hold of someone or feel like I didn’t know what was going on. The email feedback system was particularly impressive as it let you know not only how many showings you had and when, but also how they went. I liked knowing if the house was showing well and should there be something that was getting negative attention, I would know about it through the feedback and have the opportunity to do something about it. Anyway, I sold the house in roughly six days when many others were taking well over a month. Would definitely list with Chris again!

Chris Penny and his team are excellent at looking after our real estate needs. Chris is very knowledgeable about the current real estate market and knows how to price a property for sale so that it isn’t over priced or under priced.

We would like to thank the team that works so well together for making what could have been a very stressful & traumatic experience another wonderful memory on the journey we call “life”. Thank You!

Thanks!

The entire Chris Penny Team goes over and above when it comes to servicing their clients. They are available 24-7. Angela Snow was an absolute pleasure to deal with and makes the entire process much more manageable. Thank you for helping us find our awesome new property!

Your Home Maintenance Checklist for February Being a homeowner is one of the greatest things you can do as an adult. You no longer have to pay over-priced rent to someone else, you can make any changes to the property you want, and you don’t have to worry about getting back your security deposit. Of course, there are a lot of responsibilities that come with having a house.

Grout Repair It’s important to make sure the grout around your sinks, tubs, and showers is in good condition. Look for any cracks or areas that seem to be crumbling. Any cracks can lead to unseen water damage on your walls. It’s much easier to make the small repairs now than to have to do a large scale repair later. Take Care of Cleaning Rather than doing a major spring cleaning, tackle some basic cleaning now. It’s much easier to tackle a few things each month than to clean the entire house at once. •

Curtains and Blinds - Vacuum any curtains that cannot be washed, such as wool. Wash any others. You‘ll also want to make sure to dust the blinds. Using a wet cloth to wipe

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•

away the dust works best, but you can vacuum it off if it’s not too thick. Ceiling Fans and Light Fixtures – Ceiling fans are usually overlooked when it comes to cleaning. Take the time to clean each blade, both top and bottom, with a damp cloth. Then take the time to clean all of your lighting fixtures. Wipe down any lamp shades, wipe each lightbulb, and take down any glass globes so you can clean both inside and out. Garbage Disposal – Garbage disposals tend to smell bad. They don’t get much attention until they stop working or the smell becomes too much to bear. Use ice cubes to sharpen the blades and citrus fruit to make it smell fresh. Simply toss them into the disposal

Once your checklist has been completed you can sit back and enjoy your home, knowing it’s clean and safe.

•

and turn it on. HVAC – Not dusting and cleaning your HVAC system can lead to fire hazards, but it’s easy to fix that problem. Vacuum vents and clean or replace filters.

Check Your Plumbing Having a water leak is not something you want to find out about when you receive your water bill and it is three times as much as last month. To keep that from happening, inspect your pipes going to sinks and toilets to make sure they are not losing water. If they are, tighten any connector rings or call in a plumber to make sure the leaks are completely fixed.

Fix Your Doors Keeping your doors in good working condition is an easy step. Check over the bi-fold hinges that hold your doors to the wall. If they are loose, tighten them. Then, add lubrication to the hinges to make sure they are able to swing well without squeaking. Make sure the handle and locks are all still in good condition as well. Test Your Electrical System One often overlooked item in many homes is the electrical system. It isn’t until it’s causing a major problem that it is addressed. Go around your home and check each of the ground fault circuit interrupter receptacles. Test them and reset them to make sure they are

working properly. Feel free to call an electrician to do this if you’re not comfortable with the idea. Don’t forget to check over your extension cords and make sure they are still intact. Once your checklist has been completed you can sit back and enjoy your home, knowing it’s clean and safe. It may seem overwhelming to be a homeowner, but the rewards make it worth it. The best thing about this list is that it doesn’t need to be completed in one day, but if you’re feeling really ambitious you can still have it done in a few short hours. Either way, it will help you keep your house in great condition for years to come.

SOLD

Valley Ea Val There Address: 4683 Robert Dr Coldwell Banker Charles Marsh Real Estate Brokerage

ast ese

Spacious 5 bedroom bungalow located in a fantastic area of Hanmer. Features include a refinished master bedroom with en-suite and beautiful built-ins, open-concept kitchen leads to a large dining room with gas fireplace and hardwood floors, the lower level is fully finished perfect for the family to gather. Outside you will find a fully fenced in lot with an in-ground pool, 2 sheds and a large deck. This home is freshly painted and move-in ready! Call Angela Snow Sales Representative 705-929-3337

$219,900

SOLD

Valley EastHanmer Address: 4261 Addy Cres Unbelievable Value!! This 4 bedroom, 2 bath home has everything your family needs. Features include a clean modern kitchen with patio doors, that lead to a spacious deck, large bright living room, a very cozy family room in the lower level with gas fireplace. Outside you will find a massive 24 x 32 garage that is completely insulated, heated with hydro and was built in 2009. Enjoy the trails from your awesome 95 x 155 lot that offers many mature trees. This home is located in a quiet area and is waiting for your family. Book your private viewing today. Call Arielle Hall Sales Representative 705-521-4088

$269,900

Valley East - Capreol Address: 212 Hanna Ave Perfect family home in Capreol. This 4 level side split offers a double interlock driveway with extra space to park your RV or boat. Access the trails from your spacious fully fenced backyard which also includes two sheds. The inside of this home is immaculate. Features include 3 large bedrooms, 2 1/2 baths, newer roof (2012), newer gas fireplace (2013), open-concept dining/living room, new stainless appliances and the list goes on. (gas-$900/water$864/hydro $2196) Call Derek Goudreau Sales Representative 705-690-0745

$289,900 Coldwell Banker Charles Marsh Real Estate Brokerage

What’s Your Home Worth? Free QUICK Home Evaluation When you list your home with Chris, you receive these guarantees: 3 3 3 3 3

Your home advertised 24 hours a day until it is sold Your home advertised to millions on www.ChrisPennyHomes.ca Your home advertised in full colour ads until it is sold. Our Team of Specialist working hard to sell your home Your home Sold in 90 days or It’s FREE*

Call us now for a FREE GREATER SUDBURY HOME EVALUATION at 705-566-6111 or click here! Our focus is to sell your home for the most money in the least amount of time. We begin with finding the right price, with your help and the guidance of current market research. The next step is maximum exposure marketing for maximum results. All along the way, we’ll take care of all the important details so you can focus on getting ready to move. From start to finish, we know that you’ll have confidence in our commitment and professionalism.

sales representative

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*disclaimer: “Seller and Chris Penny must agree on a listing price to be determined on the basis of market conditions and comparable homes at time of listing. Does not include commission for buyers/co-operating brokerage.”

SOLD Sudbury South End Address: 1730 Desloges Rd This one year old raised ranch is in the perfect location. Just 10 minutes from the four corners. This home is nestled on a 9.76 acre lot that is completely private and surrounded by mature trees. Features include a modern kitchen with extra large island, open-concept dining room and living room that offers hardwood floors, 3 modern bathrooms, a large master bedroom with ensuite, central air and plenty of room to build your dream garage. Don`t wait!! Call Derek Goudreau Sales Representative 705-690-0745

$339,900

Coldwell Banker Charles Marsh Real Estate Brokerage

Sudbury Events for March Amazing March in beautiful Sudbury is filled with fantastic activities and events to beckon us from our cozy coverings into the crisp, brisk outdoors. Whether you fancy taking in sights or being anchored in the midst of action, here are some exciting happenings shaking Sudbury for all ages this March!

Hay Fever

down to the South End Library

All Month

at 1991 Regent Street for a fun

This comedic play is showing all

read-along. They’ll be reading

month at Thorneloe University,

the classic “Green Eggs and Ham”

with selected dates and show

and serving a matching breakfast!

times. You can check out the

Please note that registration is

website for specifics on which

required for this event, so check

show you’d like to attend. Hay

out the library’s event calendar

Fever is set in an English country

for more details.

house in the 1920’s, and is

Have fun enjoy-

described as a cross between a

March Break Madness

comedy of manners and a farce.

March 16 - 18

ing exploring our

If you’re looking for some fun

With spring break it’s easy for

community at the

live theatre, you don’t want to

the kids to get a little cabin

miss this show.

fever. Why not try a mini-camp?

multitude of March

Science North, at 100 Ramsey Books and Breakfast

Lake Road, has either a 2-day

March 15, 10:00 am

or 3-day camp for the little

Gather up the family and head

ones, filled with all kinds of

Coldwell Banker Charles Marsh Real Estate Brokerage

events in Sudbury.

science-y fun! Exploring nature,

March Break Camp

These are just a few of the

experiments - each day has a

March 16 - 20

events and activities happening

different theme and gives your

One more camp option for you:

in March. Have fun enjoying

kids new opportunities to learn

how about Ultimate Survivor

exploring our community at the

about science. You do need to

at Verve, located at 178 Elm

multitude of March events in

Street! It’s your chance to ‘outwit,

Sudbury.

outplay and outlast’. Take your March Break Kids Camp

turn in amazing challenges while

March 16 - 20

you learn about drama, dance,

If your kid is interested in martial

music and more. This camp is for

arts, Sudbury MMA at 850

kids ages 4-13 and you can get

Barry Downe is also offering a

all the details from their site.

multicltural martial arts camp for spring break week. Field trips, martial arts classes, crafts and more! Take a look at their Facebook pagelink and click on Events to get some more info on this event.

Being on my own I was stressed and apprehensive with the selling of my home. I have only praise for the efficiency of The Chris Penny Team. Chris I truly appreciated the time you took to walk me through this transition. Obviously my home was in the perfect price range. Your online feedback is a very good feature. Natasha was always there to answer my questions no matter how trivial. Miss Snow did an excellent job walking the right clients through my home. I was amazed at the quick sale I will be sure to recommend your team. Thank You! Sincerely, Pauline Carlson

FREE HOME EVALUATIONS ANYTIME! click here sales representative

R E A L Coldwell Banker Charles Marsh Real Estate Brokerage

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Sudbury - South End Address: 1283 Red Deer Lake S Your search for a camp is over!! Located only 20 minutes from New Sudbury this private 1+acre Red Deer Lake property is a gem close to home. Enjoy the best of both worlds, privacy only minutes from town. Lots of room for bunks and beds, open concept kitchen and living room. Outside multiple storage shed, and of course lake front view. Don`t wait, call now!!! Call Arielle Hall Sales Representative 705-521-4088

$194,500

10 Ways You Can Fail A Home Inspection The point of a home inspection is to uncover any issues that the home may have. Obviously, it’s very important for both a home’s seller and prospective buyer that the property pass the inspection. Passing means no serious issues have been discovered. A house inspection is simply a visual evaluation of its condition. Think of it as being similar to an annual checkup. A failed inspection is kind of like uncovering something bad during your physical. Just like your doctor, the inspector will point out all the things that need to be repaired or replaced.

What is Covered in an Inspector’s Report? This will vary depending on the inspector; however, most inspection reports will tell you about the condition of the following areas: • The heating and cooling equipment • The plumbing and electrical wiring • The roof and attic • Structural elements • The walls • The Insulation The inspector’s job description does not include advising their clients on whether or not to buy the house. They simColdwell Banker Charles Marsh Real Estate Brokerage

ply provide the information clients can use to make an educated decision. Failing a Home Inspection The areas that cause the most trouble on a home inspection report are those that compromise the health and safety of people living in the home. Here are some examples of ways that a home could fail an inspection: 1. Moisture in the Basement: Water intrusion is a possibility in most basements simply because they are below ground level. Water in the soil puts pressure on basement walls and since it follows the path

of least resistance, will cause a wet basement over time. A damp basement can cause spalling in concrete, brick or stone and it can cause mold as well. Solutions range from redirecting gutters to installing a sump pump in the basement. 2. HVAC Problems: HVAC systems are the source of many problems uncovered by home inspectors. For example, the home’s wiring may not be sufficient to handle the demands of the heating and cooling equipment, gas-fired furnaces may not have adequate exhaust systems in place. Other problems include cracked ductwork and flue pipes that have not been correctly installed. 3. Roofing Problems: This is one of the more expensive problems to fix and is likely to be a deal breaker for potential buyers. As roofing materials age, they are more likely to break down causing leaks and water damage; furthermore, they tend to age more quickly if they are not correctly installed. For example, asphalt and wood shingles can cup or curl due to age. 4. Moisture Problems in the Attic: Poor insulation, ventilation or vapor barriers can lead to moisture in the attic. Moisture in the attic can cause mold and mildew to grow. Solving the problem involves finding and fixing the source of the moisture.

5. Electrical Issues: A home’s electrical service should meet current standards. Electrical problems that inspectors often encounter include overfusing, which is the term used for a mismatch between the wire and the overcurrent protection. Overfused circuits can cause fires. 6. Rotting Wood: Any wood used in the home’s construction can be affected by moisture and age. This includes your wooden decks and door frames. Inspectors will check wood surfaces in the home for rot. 7. Security Issues: This is not about your security system; this part of an inspection involves checking out your more basic safety features. An inspector will look for proper window and door locks as well as smoke and carbon monox-

ide detectors. 8. Problems with the Structure and Foundation: One of the basic facts of construction is the fact that a stable foundation is essential to the building’s structure. The inspector will look at the footing and foundation of the home. Signs of foundation issues include cracks in walls and doors that fail to latch or that jam. 9. Minor Plumbing Problems: It’s rare for an inspector not to not find at least one plumbing problem. These can include anything from dripping faucets to slow drains. Fortunately, these issues are usually easy and inexpensive to fix. 10. Defective Masonry: Chimney cracks are among the most common masonry problems. In most cases, these occur over time due to the

weather. If the inspector discovers cracks that start at the chimney’s base and go upward, there could be a serious structural problem. The good news about a failed home inspection is that almost any problem can be fixed. Mold can be remediated and a qualified electrician can remove and replace amateur wiring. The best option for a seller who has had problems uncovered by an inspection is have them fixed. The other option is to not fix the issues and to sell the home at a lower price. The problem with that second option is that the seller may inadvertently discount the home for more than the cost of repairing the issues. Also, homebuyers may be reluctant to invest in a property that will need immediate repairs.

SOLD Sudbury South End Address: 1464 Southview Dr Fully loaded South End home! Whether it`s the large back yard, hardwood floors, upgraded kitchen, the 2 1/2 baths, bubble tub or sauna that draws you in, there is something for everyone`s wish list. Shingles done in 2013, 1 1/2 car garage this is not a home to be missed. To many features to list. this is a must see! Call Arielle Hall Sales Representative 705-521-4088

$269,700

Coldwell Banker Charles Marsh Real Estate Brokerage

Sudbury South End Address: 2331 Gateway The perfect family home located in the South End , minutes away from all the action. This 4 bedroom, 2 bath raised ranch has plenty to offer the growing family. Features include a modern open-concept kitchen with granite counter tops and ceramic floor, a spacious dining room with hardwood floors, comfortable family room with gas fireplace and walkout basement. Outside you will be impressed with the massive 2-tier deck and gas heated above ground pool, professionally landscaped, newer roof(2013) and interlock driveway. There is also a park just around the corner. Come out and see this one!!!

Call Arielle Hall Sales Representative 705-521-4088

$341,900

5 Signs You’re Ready to Buy a House

One of the most common goals for most people is purchasing a house, whether it’s your first family home or it’s an investment . Although it makes for a wise investment, there is plenty of planning involved before finding the right house. From saving for the down payment to maintaining a strong credit score, there are a few signs that will show you that you’re ready to buy a house and can manage the overall cost. You Know What You Can Afford

payment, you’ll also need to factor

To ensure you’ll be able to afford

in repairs that are needed, utilities,

the property you’re eyeing and can

homeowner’s insurance, HOA fees,

You should also be emotionally

maintain its condition, it’s important

and moving expenses. If you’ve done

prepared to deal with the time and

to first calculate what you can afford

your homework and know exactly what

energy involved with maintaining the

before making an offer. Instead

you can afford, then you’re ready to

property to ensure it increases its

of only calculating the mortgage

purchase a house by staying within

value with time. You should expect to

Coldwell Banker Charles Marsh Real Estate Brokerage

your budget.

perform the landscaping, clean out rain

use your credit to increase your overall

Although there are many steps

gutters, and even pay for exterminators

score.

involved with purchasing a home, there

when it’s necessary.

a few signs that will reveal themselves You’ve Saved Enough for the Down

if you’re ready to buy a house and

Payment

make both the emotional and financial

To obtain a home loan, you’ll be

investment. With enough preparation

You Have a Long Work History

required to provide a down payment

and financial planning, it will make

One of the main qualifications that

to secure the transaction. The amount

for a step that is worthwhile and

lenders look for in applications for

that you’ll need to pay depends on

rewarding long-term.

home loans is a long work history

the type of loan that you obtain.

because it shows stability. You’re likely

Depending on if this is your first home

ready to purchase a house if you have

or not, your down payment can be

been employed for one to two years

anywhere from 5-20% of the cost of

at the same location and have not

the home. Lenders will also want to

switched jobs frequently in past years.

see that you have additional money

This will assure lenders that you’ll have

saved, which will cover closing costs

the financial means to stay current on

and taxes. Fixed-rate mortgages

your mortgage payment each month

generally require private mortgage

and are less of a risk with a possible

insurance, which will protect the

foreclosure.

lender from losses that can occur.

Lenders will also look at the debt you owe when determining if

You Have Strong Credit

you’ll be approved for

You’ll know you’re ready to be a homeowner when you have strong

You’re Ready to Settle Down

credit that will allow you to be

Experts recommend only investing in a

approved for a loan. Having strong

house if you plan on settling down for

credit that is a minimum of 620 will

at least five years. If you plan to move

also allow you to obtain lower interest

in the next year or two, it can make

rates. Monitor your credit each month

for a bad investment that causes you

and avoid using more than 20% of

to lose money with mortgage-related

your credit card limits. You can also

fees or repairs that you’ll pay for. When

dispute any errors through credit

investing a large amount of money,

bureaus.

you’ll be lucky to break even if you sell it in three years instead of staying

Lenders will also look at the debt you

long-term. The longer that you stay in

owe when determining if you’ll be

the home, the better the investment.

approved for a home loan. This will require you to lower your balances, avoid late payments, and continue to

a home loan. This will require you to lower your balances, avoid late payments, and continue to use your credit to increase your overall score.

SOLD

Coldwell Banker Charles Marsh Real Estate Brokerage

Sudbury South End

Address: 1280 Trout Lake Rd Large bungalow on private beautiful lot on Trout Lake Road. This home features a HUGE 40 x 28 garage as well as 3 large bedrooms and a main floor laundry room with option to turn into a 4th bedroom. A newer full high basement (dry walled) has been put in and is ready for your finishing touches. This property is a must see! Call Angela Snow Sales Representative 705-922-3337

$209,900

Avoid These Basement Decor Mistakes There are so many options for

is less natural light. You don’t have

or retains a neutral palette. It still

turning a basement space into

to be afraid of colour when you put

might be a no-no. Consider these

something more desirable, but

good lighting into the new space.

uses for your basement:

sometimes it can feel like too much!

Bright colours often make a room

Here are some ideas about what not

seem lighter at times, and if it

- Crafts and painting

to do instead.

improves your mood, win-win.

- Food and drink - Romping children

The First Thing Not to Do

Flooring - Help!

“Neutral” is a favorite colour of

Carpeting is warm and soft in a

redone basements because there

downstairs room, and it adds colour

Coldwell Banker Charles Marsh Real Estate Brokerage

- Planting soil Hardwood or laminate flooring is

easy to clean and warms up a room

eat at will.

How Many Purposes? Multipurpose rooms are so handy.

with a natural glow. Throw rugs, area rugs and runners can be placed in

Green Spaces

If the whole family coexists in one

sitting areas to cozy up a space, too.

Don’t give up green plants just

space, there may be a need for

because they’re going to live in a

various activity areas. Guest rooms

Lighten Up

basement. Ask your local nursery

can become studio apartments. The

Many decorators shun fluorescent

what kinds of plants thrive in

crafter can enjoy their space while

lighting like the plague. This lighting

low light. Grow lights are another

others watch the game. Kids can

does not show the fine qualities

possibility for plants that need more

play in the back while parents read

of any room or its ambiance. It’s

light; they can be used at night

or watch a movie.

an ambiance-killer. How green do

when everyone is in bed. Greenery

you want to look? It’s great for a

is good for people. There are plenty

One other important thing: don’t

workshop, laundry room and maybe

of plants that are easy to grow and

rush the plan. Take your time figuring

some areas of the kitchen, but it will

work well in low light.

out what you want to use the space for, then go with it.

not enhance the appearance of most spaces. Take a look at these options:

Bathroom or No Bathroom? Even a small powder room is very

- Canned ceiling lights

convenient for any basement space.

- Lamps

Running up and down stairs could

- Sconces

be difficult for some visitors, so

- Retro accent lights

help them out. If you have a spare room downstairs, adding a shower

A reading nook with a comfy chair,

may be a good idea. Think about the

Don’t give up green

blanket and nice lamp is irresistible,

potential activities and the need for

plants just because

right readers? Throw in a footrest

a bathroom before ruling it out.

and make it an evening.

they’re going to live in

Furniture Planning

a basement. Ask your

Space for Snacks

Too much or too little furniture can

No need to rule out breakfast, lunch,

defeat the purpose of your new

local nursery what

dinner and snacks in a remodelled

room. Starting small and adding

kinds of plants thrive

basement just because it’s

furniture is smart, however. You’ll

in low light. Grow

downstairs. If family members spend

have a better feel for the room after

any time at all in this room, there

using it a few times. If you know

will be eating and drinking. Chairs,

exactly what you need, go for it. This

sibility for plants that

tables, bars, stools and ottomans

is also true for accessories. They add

are obvious solutions, but protected

colour and interest and make the

need more light; they

upholstery also works well. A lot

room belong to your home.

of furniture is already prepared for wear and tear in this day and age, so

lights are another pos-

can be used at night when everyone is in bed.

Rayside B Chelmsfo Address: 18 Woodlawn Coldwell Banker Charles Marsh Real Estate Brokerage

Balfour ord

Beautifully upgraded side split situated in a quiet cul de sac. Home is very spacious and features an open concept design, modern kitchen, bright sunroom, super large master with huge walk-in closet and cheater suite. It is nestled on a gorgeous landscaped lot with plenty of trees. Other features include gas fireplace, sauna and attached garage. Tomorrow may be too late!! Call Arielle Hall Sales Representative 705-521-4088

$299,900

SOLD

Coldwell Banker Charles Marsh Real Estate Brokerage

Valley East Val Caron Address: 2271 Fleming

Great starter home minutes away from New Sudbury. this 2 bedroom home offers an openconcept floor plan with main floor laundry. The incredible backyard is spacious and perfect for entertaining. Other features include laminate flooring, deck, single car garage and a 4 yr old furnace. Book your viewing today! Call Derek Goudreau Sales Representatiiive 705-690-0745

$159,900

Six Ways to Use Wallpaper, but Not on Your Walls Youâ&#x20AC;&#x2122;ve purchased your new home, and you want to make it your own without spending too much extra money. The answer may come from an unexpected place -- wallpaper. With a little creativity, you can take a few rolls of wallpaper, a good pair of scissors and some craft glue and turn them into something fabulous.

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Innovative Art Pieces

the back of the decal. You can

outside of the shade. The out-

Does your new home have walls

even add them to appliances

side rim will help protect the

that seem to go on for days?

with flat surfaces such as toast-

structural integrity of the lamp-

Consider

gallery

ers for a splash of unexpected

shade while still adding to the

walls. After a fresh coat of paint

color. To make the drawers in

dramatic visual appeal. Every-

in your favorite color, block out

the kitchen easier to clean, line

one will want to know where

a sizable area and apply wallpa-

them with wallpaper. If there is

you got your stunning new lamp.

per directly to the wall. Frame

a spill, simply remove the wall-

You don’t have to tell them you

the wallpaper with trim mould-

paper sheet and add a new one.

made it yourself unless you

them

your

ing and suddenly you have a

want to share your secrets.

unique piece of art. You can do

Crafting a Glass Table

this in any size to fit the area of

Did you bring an old glass cof-

Update a Chest of Drawers

your wall or room.

fee table with you to the new

If you’re still moving that belov-

house? If it could use an update,

ed chest of drawers from your

Stair Surprises

wallpaper may be your answer.

childhood from one new home

Does your new home have a

Line the back of the glass top

to the next, it may need more

wooden staircase? That’s just

with the wallpaper sheet of your

than a new coat of paint. If so,

the place to make a surprise

choice and your old table has

a few strips of wallpaper may

statement with little hints of

new life. You don’t have to stop

come in handy. Select a pattern

a design or a pop of color. Cut

with tables, either. You could

that will highlight the theme of

wallpaper strips to fit on the out-

do this with anything glass. You

your room and cut the strips to

side of the stair steps and apply.

could take glass plates pur-

match the front of each drawer.

Imagine the many designs you

chased at a thrift store and line

If you want an extra special pop

could place up and down your

the backs with wallpaper to

of excitement, select a contrast-

staircase.

make stunning holiday plates

ing color or pattern and apply

for inexpensive gifts.

to the sides of the drawers so it

Kitchen Flourishes

will show when they are pulled

Does your kitchen need a bit of

Give New Light to that Lamp

out from the chest (floral for the

a brightening? You can add color

Maybe that lamp you’ve had

front and stripes for the sides,

and whimsy without making any

forever needs something new

for example).

permanent changes thanks to

to make it stand out. Take the

wallpaper. Find a wallpaper that

old, frazzled lampshade off and

With a bit of wallpaper, a pair

you enjoy that has a bold print

make it new again with the help

of good scissors and some craft

or a vibrant pattern. Cut out the

of some wallpaper. Line the in-

glue, you can transform your

design and you can attach the

side of the shade with a dra-

new home into a space that

decal to bottles or white dishes

matic patterned paper, and use

highlights your own personality.

or tiles with just a bit of glue on

a strong, solid colour to rim the

Valley Eas Val Caron Address: 3354 Maple St

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st Welcome home! Family friendly sums this property up, with 3+1 bedrooms, a double lot, and backing onto bush, all there is to do is move in! Basement is finished with a bar and rec room. Plenty of space to spread out a family. Enjoy the huge yard and mature forest. Book your private tour today. Call Arielle Hall Sales Representative 705-521-4088

$224,500

Sudbury New Sudbury Address: 1991 Overbrook There is only one like it! This custom built executive home sits on one of the most beautiful lots New Sudbury has to offer. Extremely private lot that overlooks an amazing ravine. The wrap around deck leads you to the pool area perfect for those hot days. This stunning home is loaded with features such as a penthouse master suite with walkout to a glass surround balcony overlooking the ravine, massive walk-in closet and ensuite bath with glass shower, a second master bedroom with walkout to the deck, gourmet kitchen with gleaming granite counter tops, hardwood floors, spacious family room with impressive bar area and the list goes on and on. Come and see this one!!! Call Angela Snow Sales Representative 705-929-3337

$499,900 Coldwell Banker Charles Marsh Real Estate Brokerage

Sudbury New Sudbury Address: 1721 Fielding St Move in ready home in family friendly neighborhood. Open concept, spacious home with possible in law suite and loaded with storage. Fully landscaped means low maintenance for you! Book your Viewing today. Call Arielle Hall Sales Representative 705-521-4088

$314,900

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Sudbury New Sudbury Address: 77 Kipling Crt Wow! This all brick bungalow has been transformed into a modern day gem. Features include new open-concept kitchen with gleaming granite counter tops, laminate flooring throughout the main floor, 2 beautiful baths one with glass shower, spacious lower level that includes a finished laundry room and the list goes on and on. Located in one of the most beautiful, family friendly areas New Sudbury has to offer. Only a short walk away to an amazing playground that feature a splash pad and outdoor rink. This convenient location also offers grocery stores, Costco, Silver City, Walmart and many restaurants. Call today to book your private viewing!!! Call Derek Goudreau Sales Representative 705-690-0745

$289,900

Nickel Center Garson Address: 255 Braemore Wow! This two-story executive home is ideal for the growing family. It comes loaded with extras. The open-concept main floor offers a modern kitchen with custom over sized island and glass tile back splash , large dining & living area that features a gas fireplace and gleaming hardwood floors and main floor laundry. This Willow II model offers 3 spacious bedrooms including an extra large master suite equipped with walk-in closet and ensuite bath. The private yard is a custom oasis where you can either relax after a long day or invite the family over for a swim int he 15 x 26 gas heated salt water pool. You will be impressed with the attention to detail and the pride of ownership. Other features include a 16 x 32 deck with aluminum and glass railing, 12 x 24 privacy deck surrounding pool, fenced back yard, 10 x 12 steel gazebo, finished heated double attached garage with cabinets and epoxy floor, professional landscaping, paved driveway, interlock walkway...and much more!! Call Arielle Hall Sales Representative 705-521-4088

$414,900 Coldwell Banker Charles Marsh Real Estate Brokerage

SOLD

Get the Details on the Zero Cash Down Payment Program You have already decided to buy a house- there’s no need to convince you of how important a step that is. However, the questions of structuring the mortgage and the financial ramifications of different loan types are just as important as which house you decide to buy. Especially if it is your first home, it can be pretty intimidating to figure out how to deal with these large amounts of money. Here’s an idea: some borrowers can qualify for a special zero money down loan structure. This program lets you trade bigger payments in the future for not having to put down a big, lump-sum cash payment when you buy your house. Read on to learn the details.

How to Qualify

long history of paying back your debts, and that’s exactly what they

From the bank’s perspective, a home

want to hear. You should have few

loan with zero money down is rather

or no liabilities on your record,

risky. If they issue you the loan and

and no outstanding bills or missed

you walk away, the bank will get

payments.

nothing! So to take advantage of this program, you need to fulfill some

Demonstrating steady employment

special requirements to make sure

is also important: it’s good to be able

that you are worthy. It’s just like

to point to at least three years of

getting into a secret club: you need

continual work. Realistically, it also

to prove that you can be trusted. So

needs to be three years with the

there’s a few hoops that you need

same company. On top of that, you

to jump through before a bank will

also need to have bank to convince

clear you.

the bank, if you see what I mean. You need to have enough money

First of all, your credit needs to be

or a high enough income that the

great. We mean spotless! Here’s

bank is convinced you can handle

where having good credit really

the payments on the loan. It won’t

pays off. It tells banks you have a

do you any good if you have steady

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employment but your job won’t

Benefits for You

cover the monthly payments on the loan!

money you put down on a mortgage, the higher the payments will be.

The biggest benefit of this zero

This is because you paid less of the

money down program is that you can

principal in advance. If you are OK

One more thing: your liabilities. The

get a house...for zero money down!

with that, and you can handle the

less you have of these, the better.

This is a pretty good deal. You don’t

larger payments, then by all means

It shows you don’t have a lot of

need to save up for years just to be

look into this program. It could save

payments (monthly or otherwise)

able to afford a down payment, as

you a lot of time getting a down

that could cause issues to make your

long as you qualify. Or, if you did

payment together. It’s a much faster

mortgage payments.

have a lot of cash socked away, you

way to buy a home, and the program

can invest it or save it for something

already has acceptance from banks.

Not every house actually qualifies

else. This program really gives you a

You just need to make sure you meet

for this program. To find out if yours

lot of financial flexibility.

their criteria.

Be aware, of course, that the less

The Bottom Line

does, talk to your realtor and ask the bank about it.

Paying for a house is probably the least fun part of owning one. However, if you take advantage of this program to get a house without money down, then you can relieve some of that burden. It is a much more convenient and fast way to buy a house. If you need to wait to save up a down payment, your dream home could sell first, or the housing market could change, leaving your budget out of date. This way, you can really lock down a house when you want it. That piece of mind is worth quite a bit. If you are interested and you think you might qualify for this program, look into it. It might make a big difference.

What’s Your Home Worth? Free QUICK Home Evaluation When you list your home with Chris, you receive these guarantees: 3 3 3 3 3

sales representative

R E A L

E S T A T E

T E A M

SOLD

Nickel Center - Garson Address: 137 Metcalfe Welcome to 137 Metcalfe Avenue, in Garson. This 3 bedroom, 2 bath home is located on a large corner lot with mature trees and storage shed. Features include renovated kitchen and bathrooms, loads of hardwood, partially finished basement, freshly painted double interlock drive-way, great quiet location very close to neighborhood playground. This is the perfect starter home, only minutes away from New Sudbury. Call Arielle Hall Sales Representative 705-521-4088

$178,900

SOLD

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Nickel Center Garson Address: 43 Berrygrove This lovely Raised Ranch style home is situated on a quiet dead-end street in a family friendly subdivision. This home offers an open-concept, loads of cermaic and hardwood on the main floor, formal dining area, spacious entrance, beautiful kitchen with island that includes all stainless steel appliances, huge master bedroom with walk-in closet and ensuite bath with corner Jacuzzi tub, stand-up shower and duel sink vanity. Enjoy the convenience of having your washer and dryer on the same floor as the bedrooms. Use your imagination in the unfinished basement to create your own oasis. Let`s not forget about the 15 x 30 heated above ground pool surrounded by gorgeous decking for those hot summer days. You won`t be disappointed! Call Angela Snow Sales Representative 705-929-3337

$344,900

4 Real Estate Apps You Need to Check Out If you are searching for a new home in the Sudbury, Ontario area, you will certainly have your work cut out for you. There is so much a home buyer has to consider, from the location and what is around the neighborhood, the price of the property, the overall condition of the new home and even smaller details such as the number of bedrooms and bathrooms you want. Of course, finding the right real estate firm is of utmost importance as well. Because everything is done while on the go these days, there are a few apps for your smartphone that should prove extremely helpful in your quest to find the perfect new home.

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Chris Penny Chris Penny is a free app that specifically helps you to either sell or buy a home in Sudbury. It allows you to take a look at real estate listings in the area anytime you need to and gives you an inside look at property updates so that you can be the first to know about them. The app features include a mortgage calculator, open house search, local property search, property feedback and showing request, Facebook and Twitter access, the ability to call a real estate agent or add them to your contacts and other various services. Magic Plan Magic Plan is also free and should be an app that every potential home buyer should have on their smartphone. It is essentially used to create indoor maps by taking measurements of rooms and creating a floor plan based on the pictures you take. The reason this app is so valuable is because it can show you just what a new home might

look like after you have moved in and furnished it. In addition, real estate agents can get a lot of use out of it when showing a home to prospective home buyers so that it makes their jobs easier. Canadian Mortgage Canadian Mortgage is a free app that will accurately calculate the amount you will need to pay for your home. It calculates Canadian variable or fixed mortgage payment, total monthly home costs, first time buyer rebates, municipal land transfer fees for more than 65 regions, insurance premium estimation, Canada Mortgage and Housing Corp. Premium and more. All calculations within the app have been tested and verified against mortgage calculators from major Canadian banks. Realtor.ca Realtor.ca is also free and is offered by the Canadian Real Estate Association. It makes it that much easier for Canadian home buyers

throughout the country to more easily search for available homes and properties throughout Canada and to connect with realtors for additional information. With this app, you can connect directly with a realtor when you are in the market to buy, sell or even just view a home. Realtor.ca is perhaps the most popular real estate website in Canada, which is why the app is so valuable. It works with your smartphoneâ&#x20AC;&#x2122;s GPS to locate a prospective new home near your general location. You will have access to listings complete with photos, information about open houses and driving directions to them. When you have all of these great apps at your disposal, you will find that finding your new home is a breeze. Happy house hunting!

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Sudbury West End/ Gatchell Address: 23 Eyre This two storey classic is a mix of charming character complemented with modern touches of today. Features include a recent renovated kitchen with gas range and marble counter top for the cook in the family, hardwood floors throughout the main floor and 2nd floor, main floor laundry, newer wood burning fireplace (5 yr), a beautiful court yard that includes a 48 x 20 detached garage and an apartment in the lower level with separate entrance to help with the mortgage. Come and see this old world classic. Call Angela Snow Sales Representative 705-929-3337

$289,900

SOLD

Sudbury - Donovan Address: 429 Burton Ave Income Property- Great Opportunity in this newly renovated triplex. Main floor contains 2 bedroom, 1 bath unit. Basement contains 1 bachelor unit, Upper Level contains 1 bedroom unit. Main & upper units have updated kitchens, Property is in good state of repair with no retrofit. Well maintained. Excellent Net Income $17,993.48. Call Derek Goudreau Sales Representative 705-690-0745

$169,900 Coldwell Banker Charles Marsh Real Estate Brokerage

YOUR HOME

SOLD IN

DAYS

...or it’s FREE!

While every agent will promise to sell your home, the reality of the real estate market today is that this simply doesn’t always happen. The fact of the matter is the majority of homes never sell at all. Needless to say, this is highly frustrating to a home seller like you. But more than this, it can be financially crushing if you’re counting on the sale of your home to fulfill some other obligation. Well, I set myself apart from most agents by being accountable to you. In other words, I don’t just promise to sell your home, I guarantee it. My 90 days or FREE Guarantee is as simple as this: I guarantee to sell your home within 90 days or I will sell it for free. If your home sits on the market for longer than 90 days from the time I listed it, I will continue to market it aggressively but charge zero commission for My services. As you can see, I put my money where our mouth is. Instead of making you empty promises, I give you a written guarantee of performance and if I don’t live up to this agreement, you pay me no commission. I’m taking all the risk so you don’t have to, and this gives my clients much greater peace of mind in the home selling process. Some conditions apply, so for more information regarding this innovative program that is guaranteed to offer you, the seller, a better real estate experience – please fill out the form below and I will get to work for you!!

Click here for Your FREE HOME EVALUATION NOW! *disclaimer: “Seller and Chris Penny must agree on a listing price to be determined on the basis of market conditions and comparable homes at time of listing. Does not include commission for buyers/co-operating brokerage.”

The Chris Penny Team Brand IS SEEN EVERYWHERE The Chris Penny Team Brand. People see or hear about us everyday from our direct mail program, newsprint program, outdoor ad program, television program and websites. The power of our Brand allows us to match sellers and buyers quicker than any other agent. Click HERE to contact us now.