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Join CIR REALTY this Holiday Season as a Toy Angel

Join CIR REALTY this Holiday Season as a Toy Angel

95.9 CHFM and CIR Realty are once again bringing smiles to the faces of children for the 24th Annual Toy Angels campaign! Toy Angels is Calgary’s largest Christmas toy drive in support of the Salvation Army’s Christmas Toy Program which helps families in need during the holiday season so that they too can have a Merry Christmas.

Should You Consider a 10-Year Fixed Mortgage?

Should You Consider a 10-Year Fixed Mortgage??

Ten years ago, the Bank of Canada declared that the recession was essentially over in Canada and so far, we have managed to avoid another one. There is talk that Canada might be entering another recession but I am hoping this is just speculation and nothing else.

Does the Amount of Credit Pulls Really Matter?

Does the Amount of Credit Pulls Really Matter?

Many people seem very concerned how many times their credit bureaus are pulled. What those people don’t realize is that how many times a credit bureau is pulled is only 10% of how a credit score is determined. 35% of a score is based on payment history. 30% is based on how much is owed compared to what the limit is and 15% is based on the length of credit history or how long credit has been carried for. So wouldn’t it make more sense to pay more attention to when credit is paid or how much is owed vs limit then if credit is pulled an extra time when between these two items this is 65% of a credit score weight?.

Buying a home

Buying a home

Buying a home is the biggest investment you will make in your life. Whether it’s you first home, your family home, or an investment property, you want to ensure your investment is well worth it. Most buyers will feel some level of uncertainty when viewing a home, they are considering buying, and rightfully so. We are not all home experts and thus it can be difficult to properly determine the value of a home, spot potential issues, and to assess a properties condition. When purchasing, selling, or maintaining a home, a professional home inspector will provide you with the information needed to feel confident in your decisions. A home inspectors’ ability to detect current issues and foresee future issues helps homeowners and buyers understand the true value of the property they are invested/investing in. It is also important to ensure your inspector is adequately qualified. Not all inspectors are the same. Most lack proper training and credentials. Ask what the experiences are and even ask to see credentials.

How to Start a Home Renovation

How to Start a Home Renovation

Every home renovation has a million moving parts. Even if you’re tackling something as simple as a partial kitchen makeover or a bedroom paint job, you never know what might get in the way of your project.

BUYER ETIQUETTE: PROTOCOLS FOR LOOKING AT OWNER-OCCUPIED HOMES

BUYER ETIQUETTE: PROTOCOLS FOR LOOKING AT OWNER-OCCUPIED HOMES

Shopping for a new home can be stressful… there’s a lot of inventory on the market right now and you want to make the right choice! But you should also remember that it’s a difficult time for the seller too. While there’s no hard “do and don’t” list for buyers looking at owner-occupied homes, there are some things you can do to make your viewings more enjoyable for you as well as your Realtor, the seller, and their agent.

WHO’S RESPONSIBLE FOR POST-HOME INSPECTION REPAIRS?

WHO’S RESPONSIBLE FOR POST-HOME INSPECTION REPAIRS?

A home inspection is a normal and recommended condition that all buyers should include as part of their purchase contract negotiations. But what issues should you ask the seller to fix or pay for in order to make the deal go through?