TRIM Template 1/27/15 9:10 AM Page 1
87773.19.2.FS1&2:87773.17.9.FS11709 1/27/15 9:11 AM Page 1
To Feature Your Home, Call Before February 10 th
P112993 3 UNIT COMMERCIAL PLAZA! - $499,900 West Galt * Solid Building Suitable for Retail, Office, Medical, Salon or Restaurant MLS®1493618
P112993 JUST MOVE IN! - $379,900 New Hamburg * Open Concept Hardwood & Ceramic Flooring Granite * 4 Bathrooms Over $40,000 in Upgrades MLS®1495592
P218671
P200023 GREAT NORTH GALT BUNGALOW! $249,900 Walk-Up Finished Basement Newer Windows Large Eat-In Kitchen New Dishwasher * Hardwood Close to Schools & Parks MLS®1495940
BEAUTIFUL HOME IN NORTH GALT! - $529,900 4 Bedrooms * 3 Bathrooms California Shutters * Hardwood Flooring Professionally Landscaped MLS®1590052
P202436 MATTAMY HOME FOR RENT! $1,800/MONTH Hespeler * Minutes to the 401 3 Bedrooms * Master Suite Open Concept Available Immediately MLS®1495538
P267742 FULLY RENOVATED SEMI! $199,900 East Galt * New Kitchen * New Bathroom 3 Bedrooms * New Roof 2013 * Large Lot MLS®1590212
P305534
P168694 EAST GALT CONDO FOR RENT! $1,195/MONTH 1000sqft * Central Air Ensuite Laundry Maple Kitchen Ceramic Tile * High Ceilings Available Immediately MLS®1495300
P206488 BUNGALOW ON LARGE LOT! - $289,900 West Kitchener bungalow is located in a great neighborhood 3 bed, 2 bath hot tub & shed Finished basement with bar & gas fireplace MLS®1495809
P168694 BEAUTIFUL 4 BEDROOM HOME! -$415,000 North Galt * 3 Bathrooms Wood Burning Fireplace Hardwood Floors * Private Backyard with In-Ground Pool MLS®1495854
P209623 BUNGALOW WITH FORMAL DINING ROOM - $245,000 Family Room with Fire Place 3 Bed, 1.5 Bath Lg yard with in-ground pool MLS®1495821
P169555
FRESHLY PAINTED! - $303,000 Chrisview Built * Large Principal Rooms Double Concrete Driveway Laminate Flooring Large Deck * Newer Furnace & Roof MLS®1495273
SHOWS BEAUTIFULLY! - $464,900 North Galt * 2,770sqft Multi-Level Deck Gazebo * Pond & Waterfall Located Close to School & All Amenities MLS®1590225
P236130 GORGEOUS MODEL HOME ON QUIET CRESCENT! - $649,900 West Galt * Backs Onto Greenbelt Sunroom * Home Office * 2 Storey Ceiling Fully Upgraded MLS®1590192
P225297 GREAT HESPELER LOCATION! - $429,900 Formal Dining Room * Double Sided Fireplace Granite * Gas BBQ Line 4 Bedrooms Close to all Amenities MLS®1590128
Direct: 519.624.5555 n Office: 519.740.3690 n Toll Free: 1.877.740.3690 n fais 1400 Bishop Street – Cambridge, ON N1R 6W8
87773.19.2.FS1&2:87773.17.9.FS11709 1/27/15 9:11 AM Page 2
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P225307 INDUSTRIAL/MECHANICAL SHOP! $179,900 North Galt * Garage/Shop Newer Roof (2007) * Two Oversized Garage Doors Separate Office Space * Mechanical Hoist MLS®1590208
P147786 LOVELY BUNGALOW! - $249,900 Large Lot * 3 + 1 Bedrooms Family Friendly Neighbourhood Close to Highway & Schools MLS®1495722
P189574
P301446 1.8 ACRE PARCEL! - $599,900 Kitchener * Ideal for 2 Residential Lots Backs Onto Conservation Residential & Commercial (M2) Zoning MLS®1495208
k
GORGEOUS VIEW! - $1,595/MONTH East Galt * 2 Bedrooms * 2 Bathrooms 1,000Sqft * Ensuite Laundry Great Amenities in the Building MLS®1493843
P304020 4 UNIT COMMERCIAL/RESIDENTIAL BUILDING! - $649,900 Kitchener * Commercial Store Front Equipment & Fixtures Included Two 1 Bedroom Residential Units Perfect Place to Live & Run your Business MLS®1495253
CALL FAISAL FOR A FREE IN-HOME EVALUATION 519-624-5555
n faisal@homeshack.com n homeshack.com *Specific Conditions Apply
87773.19.2.QyM 1/27/15 9:12 AM Page 1
CrOWN rEALty SErvICES INC.
Brokerage, Independently Owned & Operated
vIrtUAL tOUr HOMES At http://www.royallepage.ca
Gary Quinton
Brian Yetman
Tony Monteiro
519-740-6400 Pager
519-716-8002Direct
519-658-3026 Direct
BROKER
SALES REP
SALES REP
Text P468982 to 85377
Text P206843 to 85377
$259,900
$499,900
Call Gary
Text Brian
519-740-6400 24 HOUR PAGER
Text P194505 to 85377
$849,900
Text Tony
well Maintained 3 bedroom 1 bath raised bungalow in Preston on a good sized lot with no rear neighbours. Excellent for young families or new buyers. MLS®
west Galt -spectacularly restored stone home (circa 1851) .craftsmanship rarely seen in today..custom kitchen with modernity and traditional design.. See www.57grand.ca MLS®1495402
Text P306123 to 85377
Text P262669 to 85377
$399,900
Text Brian
$489,900
Text Tony
one owner HoMe BaCKinG onto Forest. Mst bedroom w/ floor to ceiling picture window and ensuite.Good mechanics. MLS®
wHat a loCation! 3 bedroom, 2 bath sidesplit sitting on a quiet dead end street in west Galt and backing onto a park, it doesn’t get any better! MLS®1495181
Features Galore!..Great for entertaining inside or out.. Impressive Master Suite..Great location for commuters. MLS®1494820
Text P482855 to 85377
Text P260765 to 85377
Text P160057 to 85377
$274,900
Text Brian
in-law! Excellent opportunity for in-law potential and cut the cost of your mortgage. 3+1 bedroom, 2 bath raised bungalow with separate entrance and plenty of parking! MLS®1494594
$264,500
Text Tony
walKinG distanCe oF downtown Galt 1287 sq ft plus a 3 season sunroom High basement with a walk-up Newer metal roof and windows. New H.E. furnace in 2014. MLS®1495877
Text P302164 to 85377
$329,900
Call Gary
isHerwood Condo, 1282 sq ft,main floor laundry,double garage,fin lower level w/2pc bath & workshop. MLS®1495750
Text T1113620 to 85377
$498,500
Call Gary
CresCent loCation backing onto park & trails. Walkout basement, generous bedrooms. Still time to chose your colours .MLS®1495170
$219,000
Text Brian
$419,900
Text Tony
ideal For tHe Car BuFF or ContaCtor attention First tiMe HoMe Buyers! ..Oversized double garage plus detached Excellent 2 bedroom bungalow with big workshop.. Open-concept home with private private backyard, close to schools and yard.. Finished Lower level. MLS®1495104 amenities.
Text P332523 to 85377
$229,900
Text Brian
Condo in Kressview - corner unit 2 bedrooms, 2 baths. Includes plenty of amenities within the building - a must see! MLS®
Text P302182 to 85377
$269,000
Text Tony
one aCre BuildinG lot. Set your home among the trees. 132.32 Ft Frontage. Permitted Access to the lake. MLS®1495177
87773.19.2.001.SCHMIDT:87773.17.9.001 1/21/15 10:56 AM Page 1
MLS®1590154 $619,900 Text P506695 to 855377 2783 aLpS rd. COUNTRY BECKONS. 9.6acres awaits you. Farm house offers over 2400 sq ft. Eat in kit, LR, den, 3+1brs & tons of potential. Call Teri to View!
MLS®1495677
$339,900
$614,900 Text P506694 to 855377 10 FaLcoN cr. Impressive 3800 sq ft home w/form LR, DR, famrm, den, eat in kit, 5brs, 5baths, games rm, recrm, gorgeous pool & gazebo. Numerous updates. It’s all here! An impeccable home indeed. Call Tony to View!
MLS®1590154
Text P458696 to 855377
718 dover St. S, OFTEN ADMIRED, NOW FOR SALE. 1365 sq ft bungalow - 3brs, greatrm, recrm and 3 season room. Close to river trails and schools...this one’s a gem! Call Tony to View!
Super preStoN Store FroNt avaiLabLe. Fully renovated with retail, finished office space and even parking! One of the finest buildings in the Preston BIA. Call Tony for more info. $1650/month inclusive.
SOLD MLS®1495866
$384,900
Text P482918 to 855377
1131 roSe St. Location! 1500sq ft bungalow w/large principal rooms overlooking Linear park and river valley. Updated kit w/granite, FamRm w/ W/O to deck, 3+1brs, 2baths & recrm. An impeccable home..Call Tony to View!
MLS®1495473
$459,900
Text P458697 to 855377
50 StaNLey St., Ayr VILLAGE INVESTMENT. Fabulous street “presence” and location. Great commercial Tenant on the MF and a new studio apartment on the second level overlooking Watson pond. Call Tony or Teri for details!
MLS®1495331 $279,900 Text P302094 to 855377
Tony Schmidt broker of record
tony@hsrealty.ca 519-653-2412
Teri Vincent broker
teri@hsrealty.ca 519-632-7336
238 Lowther St. N... Fully finished top to bottom. 3+1beds, 2baths & a detached heated workshop! Call Tony for Details!
Text the Code to 85377
87773.19.2.002.MAST:87773.17.9.006 1/21/15 1:37 PM Page 1
2
ON THE COVER Cover Photo by Pirak Studios
STAND OUT & GET RESULTS with Multi-Channel Marketing Packages
IN PRINT - ONLINE - DIRECT MAIL SOCIAL - MOBILE For advertising information:
Heather Melrose Publisher
519/954-TREB(8732)
$614,900
heathermelrose@rogers.com
Text any text code you find in the book to 85377 for more pictures and information on that listing. *Standard Text Messaging Fees apply
Careful, This home is loaded! You know you are somewhere special as soon as you enter the 30’ foyer w/ gorgeous staircase open to all three levels! an entertainers delight inside and out, walk-out to the rear yard with multi level decks, gazebo & heated in-ground pool overlooking saginaw golf course! finished top to bottom with 4500 sqft of living space means every room will impress! 5 beds, 5 baths. located on a quiet child safe court, all this home needs now is your family! Call Tony to View!
CALL TO REQUEST A
FREE MAGAZINE FROM ANY OF OUR MARKETS ACROSS NORTH AMERICA
1-800-841-3401 Contributing Locally Through
Text P506694 to 85377
Tony Schmidt broker of record
tony@hsrealty.ca 519-653-2412
Teri Vincent broker
teri@hsrealty.ca 519-632-7336
519-954-TREB
(8732)
87773.19.2.003.Dejong_Bav 1/21/15 11:21 AM Page 1
LISTING YOUR HOME WITH CLARE
HAS BEEN PROVEN TO CAUSE IT TO SELL!
Clare De Jong Call now at
519-841-4677
HALL of FAME
Sales Representative
www.sellingcambridge.ca
RE/MAX Real Estate Centre Inc., Brokerage 766 Hespeler Road Cambridge, ON 519-623-6200
$209,900
$199,000
Text P482594 to 85377
be nimble be QuiCK! This is a great opportunity for the handyman! Cute 1.5 storey home in mature area. MLS®1495762
$234,900
Text P505464 to 85377
Text P505122 to 85377
$219,900
greaT sTarTer! Detach 1,5 Storey House in great family neighbourhood of West Galt. Large corner lot, single car garage. Close to schools and Amenities. MLS®
$289,900
duPlex anYone! 2 one bedroom units 3 car parking. Main floor has a good tenant, upper is open. Have someone else help pay your mortgage. MLS®
Text P505463 to 85377
suPer loCaTion wiTh a Pool! This charming home is located in a mature West Galt. 3 bedrooms, 2 bathroom, plus an in-ground pool. MLS®
$229,900
Text P505465 to 85377
Text P505466 to 85377
fixer uPPer! Large brick home features bay windows, high ceilings, winding stair case, balcony over front porch, and over-sized garage! MLS®
a PlaCe To sTarT! West Galt location! Carpet free main floor with a cozy family room, den area or office nook. Wonderful family friendly neighbourhood! MLS®
Gary Baverstock Realty Brokerage | Independantly Owned & Operated
Gary & Debbie
**
*
BAVERSTOCK
www.TheBaverstockTeam.ca Gary@TheBaverstockTeam.ca Call Today 519-622-7677
LT
O ET K OS AR CL TY P CI
O ND LOW CO GA N BU
T ES
GA
W
D L O
S
TexT P256817 To 85377
TexT P509168 To 85377
1,508 sQ fT Plus finished basemenT. Bright eat-in kitchen; gas line available for gas stove. Master bedroom offers double french doors leading to deck. Cozy courtyard off front entrance. MLS®1590138
This 2 bedroom bungalow is ready to move into. Spac. living room. Dining room & master bedroom w/cathedral ceilings. Fenced rear yard w/deck. Appliances incl. Minutes to city park & pool. MLS®1590178
QuainT bungalow features hardwood floors in dining, living & bedrooms, wood burning brick fireplace in living room. Detached garage w/hydro & mechanic’s pit. Close to park, arena, dining. MLS®1494686
Text the Code to 85377
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87773.19.2.005.Guerr_Inglis:Half Page - Basic 1/21/15 11:28 AM Page 1
KM G Michael
519.740.6400
GUERREIRO , BA.
Direct 519-623-8955 greybear@rogers.com
SALES REPRESENTATIVE
CROWN REALTY SERVICES INC. Brokerage, Independently Owned & Operated
BuY canadIan!
TEXT P390228 TO 85377
TEXT P267578 TO 85377
Sought aFter locatIon 3 Bedroom, 3 bathroom home in convenient Hespeler location close to schools, shopping, transit and the 401. Great curb appeal with wrap around veranda, oversized double garage and parking for 6 cars. Second floor laundry, 4 piece master en-suite and finished lower level with an enormous cold room. Call Mike for your private showing. MLS®1495131 Asking $359,900
FullY renoVated 2 + 1 Bedroom, 3 bathroom home on over 3 acres with a detached triple garage/shop with high ceiling and finished second floor above. Conveniently located to Cambridge, Paris and Brantford. Ample parking, ideal for the car enthusiast or landscaper. If you want or need some space, this is well worth a look. Call Mike for your private showing. MLS...Exclusive. Asking $499,900
25 years with royal lepage EXTEND YOUR SEARCH ONLINE AT
RealEstateBook.com View Over 2,000,000 Homes Online – Updated Daily!
Spectacular 4+ Bedroom ranch Bungalow in a secluded park-like setting. Triple Garage is heated and insulated. Sparkling, heated salt water Pool & 3 Season Cabana. Professional renovations include ‘Chervin’ Kitchen, with built in Stainless Steel appliances. Updated Master with Dressing room and Luxurious Ensuite Bath. Completely finished lower level with walk-out. MLS®
$1,225,000
text p263063 to 85377
Ian Inglis Broker Broker
(519) 888-7110 ianinglis@remaxsolidgold.biz www.homewithian.ca
re/max re/max Solid Solid gold(II) gold(II) ltd, ltd, 180 180 weber weber St. St. S S waterloo, waterloo, n2J n2J 2B2 2B2 (519)888-7110 (519)888-7110
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87773.19.2.007.AUD_Pock_Hancey 1/21/15 11:46 AM Page 1
$379,900
Text P512721 to 85377
This gorgeous 1900 sq ft backsplit offers one main floor bedroom and full bath, large kitchen, huge family room with gas fireplace, bright living room, dining room & oak staircase. Upper level has 3 large size bedrooms and cheater 4 pc bath to master bedroom. Finished basement with Separate entrance. MLS®
Michelle Pock Sales Representative
226.318.0822 Office: 519.623.6200 Direct:
$519,900 Text P486091 to 85377
West Side Bungalow Remarks:Stunning 1600 sq ft “open concept” bungalow feat. hardwood floors, sep. dining room, butler’s pantry,breakfast bar, double gas fireplace, fin. rec room, craft room with sink, heated and insulated garage and 2 walk outs to the deck and fenced rear yd. A MUST SEE! MLS®1495793
RE/MAX Real Estate Centre Inc., Brokerage Independently Owned and Operated 766 Hespeler Road, Cambridge, ON, N3H 5L8
Luanne Hancey Sales Representative
office
519-740-3690
hancelu@golden.net
direct
519-651-9459
www.luannehancey.com
Visit our newly designed Website www.TheBaverstockTeam.ca
87773.19.2.008.Map 1/21/15 11:40 AM Page 1
8
7
Cambridge
5 401
Ayr a erl mb rthu No
nd S
W
t
Scott St
49
2
S Swan
3 6 4
New Homes Guide
By Shirecrest Homes
4
ST. GEORGE by Appt. 519-865-3000
5
WOODSTOCK Open: Mon - Wed 11 - 7 pm Sat - Sun 10 - 4 pm
By Finoro Homes
Your Guide to the Region’s Builder Communities By Aspen Hills Homes
1
DRUMBO
COMING SOON! By Tice River Homes
2
3
By Finoro Homes WATERFORD
173 Hilltop Drive, AYR Open: Mon - Wed 1 - 8 pm Sat - Sun 12-5 pm
6
By Shirecrest Homes
7
ST. GEORGE by Appt. 519-865-3000
COMING SOON! Saginaw Woods - by Granite Homes CAMBRIDGE M-T 2-7 W 12-5 S&S 12-5
519-954-TREB
(8732)
87773.19.2.009.Tice_HillTop 1/21/15 11:41 AM Page 1
it’s only a matter of time... ...before you fall in love with our spacious home designs ...make time Check out our limited selection of remaining 36’, 43’ and 47’ Hilltop Estates lots, with double car garages and extra deep lots available and 47’ Carolinian Heights lots. Quick closings* available.
...step back in time A thriving, family friendly community like no other. Hilltop Estates in the charming Village of Ayr offers all the advantages of small town living while still offering big town amenities.
...save time A breath of fresh Ayr is waiting for you only 15 minutes from the hustle and bustle of Kitchener, Cambridge and Waterloo.
43’ SINGLES FROM
$
418
...it’s time ...it’s tim me to to visit visit our ou r model model home home today! todayy! 173 HI HILLTOP ILL LTOP TOP DRIVE, A AYR YR MONDA MONDAY AY - WEDNESDA W WEDNESDAY: AY Y: 1-8PM W WEEKENDS: 12-5PM
QUALITY HOMEBUILDERS
* SEE SALES REPRESENT REPRESENTATIVE TAATIVE FORR COMPLETE DET DETAILS TAILS AILS
47’ SINGLES FROM
500
519.632.8730 5 19.632.8730 tticeriverhomes.com iceriverrhomes.com
$
455900
Cedar Creek Rd. Main St.
333
900
Stanley St.
Swan St.
$
Northumberland St.
36’ SINGLES FROM
36’ | BENJAMIN HILL | ELEVATION B
Hilltop Dr Dr.r..
Sco
tt S
t.
TF47BS3_TopBuyingMyths_F.qxd:TF04_US
12/2/14
A lively forum for all things real estate.
2:32 PM
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Setting the Record Straight: Top Home Buying Myths By Courtney Soinski
Photo Source: StartupFlavor.com
Thanks to Federal Housing Administration Loans (FHA Loans), you can put as little as 3.5% down. With this method, you’ll potentially have a lower interest rate, giving you more flexibility. Your money is not all tied up in your house like in a traditional down payment that can leave you with little or no extra cash to spend on home care, improvements, or any other unforeseen circumstances.
Whether you’re a real estate professional or firsttime home buyer, the home buying process and real estate transactions can be stressful. There tends to be some common misconceptions in this process, so it’s very important that you’re well informed of what is fact and what is fiction. We’re here to set the record straight. Myth #1: You don’t need a REALTOR®. Before you bravely take on one of the biggest purchases or sales of your life, remember this: it’s not as easy as it looks. REALTORS® know all the ins and outs of the local area as well as the market in which you’re looking to buy or sell. Picking up the phone and calling a REALTOR® may be one of the best decisions you’ll make. Myth #2: The bigger the downpayment, the better off you’ll be. Buyers’ immediate reflex is to put as much cash down as they can when buying a new home because they’ll borrow less, lower the monthly mortgage payments, and won’t need to buy mortgage insurance. However, putting 20% down is not a requirement and it’s not for everyone.
Myth #3: Appraisers set the value of a home. The role of the appraiser is to produce a credible opinion of value that reflects the current market. Appraisers are not responsible for setting the value of the home and they also do not confirm a home’s sale price. According to David S. Bunton, President of The Appraisal Foundation, “Appraisers provide an analysis of the collateral, so that lenders understand the value of a property when making the loan decision.” Myth #4: You need perfect credit. Most people assume that you must have absolutely golden credit in order to get a loan, but that just simply isn’t the case. If buyers have less than perfect credit, lenders are often willing to work with them to get the best possible loan. Credit is not the only thing that lenders look at when deciding to approve a loan, but your score will have an effect on the interest rate on your mortgage. Make sure you review your credit report and if any errors are found, they should be reported to the credit reporting bureaus before applying for a mortgage.
87773.19.2.011.Finoro 1/21/15 11:42 AM Page 1
Experience the Finoro Tradition
The Kirkwood Elevation B in Woodstock
- Woodstock TOWNHOMES, SEMIS & SINGLE FAMILY HOMES from the
- Waterford BUNGALOW TOWNHOMES NEW 2 BEDROOM PLANS from the
BUNGALOW TOWNS UNDER CONSTRUCTION
ONLY 5 UNITS REMAINING!
MOVE IN BEFORE CHRISTMAS! 4 Designer Decorated Model Homes Open: Sat & Sun 10-4 Mon - Wed 11-7 519-608-4663 (HOME)
Model open by appt. only
519-443-4663 (HOME)
Elmira Country Club Estates Now Open for information visit finorohomes.ca
87773.19.2.012.CH:87773.17.9.008 1/21/15 11:48 AM Page 1
12
c h CohenHighley l a w y e r s
55 King Street West, Suite 1002 Kitchener ON N2G 4W1
Office 226-476-4444
Tyler Hortie Partner
hortie@cohenhighley.com
David Dickey Associate Lawyer
dickey@cohenhighley.com
www.cohenhighley.com
We Can Assist You With Residential Purchases and Sales Residential Refinances Condominium Law Multi-Residential Purchases & Leasing Commercial Purchases and Sales Commercial Refinances Corporate Transactions Commercial Leasing
87773.19.2.013.Granite 1/21/15 11:48 AM Page 1
87773.19.2.014.WRHBA_Shawnmac 1/21/15 12:05 PM Page 1
Shawn MacDonald Sales Representative
Direct
(519) 771-8414 www.shawnmacdonald.ca
RE/MAX TWIN CITY REALTY INC, Brokerage
Text the Code to 85377
$209,900
Text P512722 to 85377
gReaT iNvesTMeNT iN a gReaT lOcaTiON! Brick triplex in good condition. MLS®
$169,900
Text P512723 to 85377
BRick TwO sTORey iN gReaT cONDiTiON, large eat-in kitchen, main floor laundry. Large bathroom with classic claw foot tub. MLS®
$179,000
Text P512726 to 85377
2 BeDROOM, BRick cOTTage, in a quiet location, across from Moose Park. MLS®
$189,900
Text P512724 to 85377
MOve iN ReaDy in a great Terrace Hill location! 3 bdrm with an updated & spacious eat-in kitchen & bath. MLS®
$155,000
415 Fairview Drive Brantford ON N3R 7M3 (519) 759-8900
Text P512727 to 85377
laRge 4 BeDROOM FaMily hOMe with hardwood floors, full basement with high ceilings, 2 full bathrooms. MLS®
$314,900
Text P512725 to 85377
BuilD yOuR DReaM hOMe on this beautiful, treed, 2 acre lot, overlooking a picturesque pond. Already has existing well, hydro and septic. MLS®
TF47BS4_ControlCreditScore_F.qxd:TF04_US
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How You Can Take Control of Your Credit Score By Courtney Soinski
Here are some simple tips to repair your credit score: 1. Get a credit card from a major company. Before you go crazy, it is important to note that using a credit card and keeping a balance on one are two totally different matters. Running up a bill that you don't pay in full won't help you build credit. That being said, this tip takes discipline, but it's an easy way to improve a poor credit score if you pay your card off monthly. We suggest using it for things like gas that you will pay off on a monthly basis. 2. Get a prepaid credit card. If you don't trust yourself to use a credit card wisely or just don't want one, then you should get a prepaid credit card. This gives you a way to use a credit card without the temptation of
Photo Source: TopTenReviews.com
As an example, a credit score of 620 or below would mean that the person looking to borrow would be categorized as a "sub-prime" borrower, whereas a credit score of 720 would mean that the borrower would be eligible for more favorable loan conditions.
Photo Source: USAToday.com
Both homeowners and real estate professionals know how important it is to have a good credit score. You may wonder how much of an impact it can have on your life - well, we're here to answer that question. A good credit score will mean that you qualify for the best loans, rates and terms. This great advantage will gradually save you money through reduced rates over the lifespan of a loan. Gerri Deweiler, a Director of Consumer Education, sums it up perfectly: "An excellent credit score equals money in your pocket."
running up debt. This will only allow you to spend the amount you have placed on the card and no more. 3. Be patient. Although it is difficult, it's important that you understand the process of repairing you credit won't happen overnight. Slow and steady wins the race when it comes to your credit score. 4. Check your credit score. It is very important that you understand that your credit report is accurate. So, checking the three credit bureaus on a regular basis is wise. These include Equifax, Experian and TransUnion. You want to know if anything incorrect is on your credit report so you can fix the situation before it damages your credit.
87773.19.2.Foreman 1/27/15 9:17 AM Page 1
Dave Foreman Sales Representative
519-241-9540 Direct
RE/MAX TWIN CITY REALTY INC., BROKERAGE 519-740-3690
www.housesincambridge.ca dave@housesincambridge.ca
Independently Owned & Operated.
FREE Home Evaluation
D
L SO $689,500
P482599
P483584
GORGEOUS RURAL PROPERTY nestled on 1.2 acre lot backing onto the Grand River. Large ranch bungalow with over 4700 sq.ft. 4 walkouts overlooking in ground pool. A must see. MLS® 1495725
LD
SO
T1573023 2 BEDROOM APARTMENT STYLE CONDO in downtown Hespeler. Home offers a 4pc and a 2pc bath, upper level laundry. Also, this building offers a secure entrance and covered parking. MLS®1490307
IN-LAW POTENTIAL! This home offers two bedrooms on the upper level and two bedrooms on the lower level.This house has a maintenance free exterior, with a fenced yard and 20x20 garage on the property as well. MLS®1495799
The Spring Market begins in February NOT March. Don’t miss the boat! Contact me for all your listing and/or buying needs!
$289,900
P483845
HEY CAR BUFFS HERE is a Fantastic Opportunity with excellent road exposure on Hwy 24. This property is zoned Residential/Commercial unit (Z-8). Approx 1500 sq/ft bungalow with 3bed/3baths sitting on approx .5 of an acre. MLS® 1493661.
$989,900
T1643600
HIGH TRAFFIC COMMERCIAL/OFFICE SPACE in downtown Galt. This updated building has ample parking available. Close to Drayton theatre, shops, restaurants and bus routes. MLS®1495665
L ARRY C LARKSON 519-753-7311 OFFICE 519-751-8419 DIRECT
ACTION REALTY, BRANTFORD BROKERAGE 519-753-7311
larryclarkson@royallepage.ca
THE AWARD OF EXCELLENCE LIFETIME MEMBER
Simcoe’S NeweST SubdiviSioN aT The eNd of doNly STreeT
Starting at $254,900 MANY MODELS TO CHOOSE FROM! Open House Sat & Sun 2-4pm. Two Bedroom Raised Ranch with circular staircase AND 2 & 3 Bedroom all brick bungalows with oak kitchen cupboards, vaulted living room ceiling, ceramic floors in kitchen, bathroom & foyer. 2 car garage & walk out basements.MLS®
$359,900
TexT T1195214 To 85377
3 BEDROOM, 2 STOREY HOME near Mount Pleasant. Featuring formal dining room, main floor family room, vaulted ceilings. Full basement. Detached garage/workshop.MLS®
$159,900
TexT P460337 To 85377
GREAT STARTER HOME in Homedale area. Featuring 4 bedrooms, eat-in kitchen, main floor laundry room. Updated gas furnace, central air and windows. Vinyl siding situated on a deep lot. MLS®
$630,000
TexT T11955949 To 85377
GREAT COUNTRY LIVING minutes from Brantford. 2 bedrooms up & 2 bedrooms down, 3 bathrooms, 1 1/2 car garage attached with access from garage to basement, MLS®
87773.19.2.016.Haight_P1 1/21/15 11:52 AM Page 1
KEVIN KE VIN HAIGHT SALES REPRESENTITIVE ACTION N REAL REALTY LT TY NDENTLLY Y OWNED AND OPER ATED INDEPENDENTLY OPERATED 3.7311 519.753.7311
519.865.3000 kevinhaight@royallepage.ca kevinhaigh t@royallepage.cca kevinhaight.ca kevinhaigh t.ca
$679,000 2000 sq fftt cus custom stom Morris home in Glen M orris Ridge Ridg ge Estates. Estates.
$869,900 STUNNING 2,8 2,800 800 sq sq.ft. .ft. bungalow acree lot in gat gated bungalo w on 1 acr ed community. communit y. MLS# B51857 57
CIRCA $649,000 CIR CA 1846 acree on the grand. FFully ully rrestored, estored, 1 acr t g rand. MLS# B51789
$1,995,000 98 A ACRE CRE ES ESTATE ST TA ATE C Custom ustom built bungalo bungalow w with finished ed lo lower wer level. pond, farmland. le vel. Stunning views views of pond p , fforest orest and rrolling olling far mland. MLS# B53657
$1,695,000 C CAROLINA AROLINA A FOREST sq.. fft.t. bungalo bungalow acres. 800 sq w on 22.75 acr es. MLS# B52707
$949,000 R ROLLING OLLING FOREST FOR REST sq.. ft. 3,200 sq ft. bungalow bungalow on 25 acres. acres. MLS# B52670
$749,000 GEOR GEORGIAN GIAN ma mansion, ansion, sq.. fft., circa 5,500 sq t., cir ca 1848. MLS# B53595
ELMWOOD $885,000 ELMW OOD ESTATES EST TA T ATES sq.. ft. 2,600 sq ft. Frank Frank Lloyd Lloyd Wright Wright inspired. inspir ed. MLS# B53591
87773.19.1.Haight_P2&3:Layout 1 1/27/15 9:15 AM Page 1
SHOVEL SHO VEL READ R READY Y
$1,900,000
B52703 MLS# B52 2703
Drafft plan approved Draft apprroved and shovel shovel ready. ready. TThis his pr prime ime 13+ acr acres cres of development development land in the heart heart of Norwich, Woodstock Nor wich, just South South of W oodstock & Hwy Hwy 403 is rready eady to to go! With With a ttotal otal of 90 units consisting of 60 sitee rrep excellent singles and +/-- 30 towns, towns, this sit ep rresents esents ex cellent value vvalue... ... PPlease lease contact contact KKevin Keevin Haight for more more details. details.
21+ A ACRES CRES $2,900,000
MLS# B52893 B52 2893
Prime development Prime developm ment land with frontage frontage on P Powerline owerline R Rd d& Paris Rd! provides P aris R d! C2 highway highway commercial commercial pr ovides ffor or a multitudee of inc.. retail centre. uses inc retail sshopping hopping centr e.
$1 ,2 99 ,0 00
Kevin more details.. PPlease lease ccontact ontact KKe evin Haight for mor ree details
Potential 18 Luxury Townhouses
YEARS Y EAR RS
87773.19.1.Haight_P2&3:Layout 1 1/27/15 9:15 AM Page 2
www.ShirecrestHomes.com w ww.ShirecrestHom mes.com
ONLLY TTWO ONLY WO SITES REMAINING! REM AIN NING! Private culPrivate cul-de-sac dee-sac o overlooking verlooking the River Valley. Grand R iver V alley. Open concept living,, cathedral living cathed dral ceilings, ceilings, stunning architecture, ar chitecture, exceptional exceptional finishes, finishes, energy ener gy star rated. raated. from array Choose fr om a wide ar ray of plans finishes.. and finishes STARTING ST TARTING AT AT $679,000 0 REGISTERED T TARION ARION BUILDER
1
SOLD
ROAD
SOLD
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MCP PH H EA R RS SON SCH SCHOOL OOL R RO O AD
EAST E AST RIVER
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SCHOOL CHOOL R ROAD OAD NS AN MCLEA
KEVIN KE VIN HAIG HAIGHT GHT SALES REPRESENTITIVE ACTION REAL ACTION REALTY LT TY INDEPENDENTL Y OWNED AND O PERATED INDEPENDENTLY OPERATED 519.753.7311
519.865.3000 | kevinhaight.ca kevinhaigh t.ca
kevinhaigh kevinhaight@royallepage.ca t@royallepage.caa
87773.19.2.CBMR:87773.17.9.CBMR11709 1/27/15 9:19 AM Page 1
MAXIMUM RESULTS FINANCIAL SERVICES INC. An Independently Owned & Operated Franchise of the Mortgage Alliance Network. Reg No. 10224
KaReN & WalteR
MONteiRO
519.624.9222
karen@maximumresults.ca walter@maximumresults.ca
Text P118301 to 85377
Text P251332 to 85377
EAST GALT - FAMILY FRIENDLY 2 BDRMS - 1 BTHRM MLS®1494939 CALL KAREN!
WATERLOO - UNIVERSITY AREA 2 BDRMS - 1 BTHRM MLS®1590060 CALL WALTER!
Text P221809 to 85377
Text P489477 to 85377
PUSLINCH 1.97 RES. BUILDING LOT MLS®1494228 CALL WALTER!
NORTH GALT - FAMILY FRIENDLY 3 BDRMS - 1 BTHRM MLS®1495956 CALL TINA!
Text T11822466 to 85377
Text T11925843 to 85377
DRUMBO - TO BE BUILT 3 BDRMS - 3 BTHRMS MLS®1491495 CALL WALTER!
SOUTH END CAMBRIDGE ~ NEW BUILD CONDO 2BDRMS, 2 BTHRMS MLS® various CALL WALTER!
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To See All Listings Text MAXIMUM to 85377
Gerry Narciso*
Barry Byrne*
519.241.1570 gerrynarciso @rogers.com
519.716.4564 buynsellwithbarry @gmail.com
* Sales Representative ^ Mortgage Agent
Lorraine Lambert* Laura Thompson*^ 519.240.4865 Llambert @coldwellbanker.ca
Tina Forte*
AMP
519.277.3013 519.240.1389 Laura@ maximumresults.ca tinamforte@hotmail.com