........................... Hudson Bay Real Estate Corinne Reine & Rocky Reine........................................................................
Corinne Reine

Royal LePage Renaud Realty ...................."Helping you is what we do!"





Your Team

Your Agent
A successful purchase starts with the right representative. In fact, once you’ve selected the best agent to represent you, it is likely that he or she can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.

Lender (Appraiser)
A bank is not just a bank. Having the right backer can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford. Your lenders may or may not require an independent appraisal, and typically will make arrangements for the appraisal themselves.

Your home purchase is far too important a transaction to skimp on legal representation at the risk of leaving yourself open to costly future issues. Find a lawyer who is willing to take the time to answer your questions and who specializes in real estate law.

Home Inspector
No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask your agent for a recommendation.

Planning some renovations? You’re not the only one! The home renovation industry is booming, and in some markets, booking a contractor must be done months in advance (that’s a long time to go without a kitchen). Don’t let finding the right contractor slip through the cracks – planning ahead will almost certainly make your renovation smoother, and you contractor will appreciate the advance notice. 

Your Plan

1.  Find the right representative

Even if you’re not quite ready to buy, your buyer’s agent can be an absolute wealth of information, and can often offer ‘scoops’ on local developments you might not have know about otherwise.  Speak to your agent first and he or she can be helping to guide you right from the start.

2.  Find out what your price range is
Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval.  Just speaking to your lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).

3.  Find out what your local market looks like
The internet can be incredibly valuable in doing preparatory research.  Start with your agent – he or she can direct you to valuable resources and immediately start e-mailing you real estate listings that may interest you (or at least give you a better idea of what your needs and wants are).

4.  Find out what your true needs and wants are
Compose a needs/wants list that takes into consideration your local market conditions, your price range, and the advice of your real estate agent.

5.  Find your dream home!
Once you’re ready to act, you may be surprised by how quickly you can make a decision.  Armed with your pre-approval, a little market knowledge, and your needs/wants list, call your real estate agent, hit the pavement, and when you see ‘the house’, put in an offer. 

With the right team behind you, it really can be that easy!

Your Calculator

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

Your Real Estate News

real estate - Yahoo! News Search Results
Delek Real Estate faces UK, German troubles7/10/2011 6:05 AM
A German bank has appointed a receiver for a building in Mülheim, and in the UK, the company's car parks portfolio faces higher interest rates on its loans.
Upcoming real estate events7/10/2011 2:13 AM
Real estate investing: Moderated by local investing experts, learn from four focus group discussions: raising capital, finding deals, property management and renovations and contractors. 5:30-9:30 July 14 at Club Venetian, 29310 John R, north of 12 Mile, Madison Heights. $20 for nonmembers.
Hawaii State Real Estate Sales7/10/2011 5:34 AM
FOR THE WEEK OF June 6-10. Derived from Hawaii Bureau of Conveyances tax data. Information deemed reliable but not guaranteed.
New Radio Show Offers Weekly Dose of Expert Real Estate and Investment Advice7/10/2011 12:06 PM
RISMEDIA, July 11, 2011—Despite the gloom and doom headlines, today’s real estate market offers unprecedented opportunities for financial growth. Get a leg up on the housing and investment scenes with “The Real Estate Show,” a live, interactive radio program hosted…
Local Author Seeks Personal Real Estate Stories from Area Residents7/10/2011 1:11 AM
Local Real Estate Agent and Author, Keith M. Elliott Jr. is seeking help from area residents willing to share their personal stories of 'How the Real Estate Market Has Affected You' for upcoming book.Manassas, VA (PRWEB) July 10, 2011 Keith M. Elliott Jr. a Realtor® with RE/MAX Olympic Realty in Haymarket, Virginia, has been asked to include real life stories of everyday people who have been ...
Real Estate: Yes, you can still sell your home in a down market7/10/2011 2:48 AM
CHICAGO -- The home next door is in foreclosure. The neighbors down the street just put their house up for sale at a ridiculous discount. And "For Sale" signs litter lawns all over town.
Revenues decrease as property owners appeal assessments7/10/2011 10:41 AM
With a recent settlement on a real estate appeal for two of its larger commercial properties, the North Penn School District continues to look for ways to reduce its costs and increase revenue.
Robert B. Jacobs: Real estate investments can be risky7/10/2011 1:24 AM
Law of the Land: Real estate information
East Bay Real Estate Broker Sunny Thiara Helps Two Bay Area Families Save Their Homes7/8/2011 8:44 PM
Nowhere have the banks tightened up their lending practices more than the super jumbo home loan market. Through hard work and attention to every detail, Sunny Thiara has successfully taken on this market to help distressed families.San Francisco, CA (Vocus/PRWEB) July 08, 2011 The drop in real estate values has affected Bay Area homeowners at every income level. Bay Area real estate broker Sunny ...
Real Estate Weekly: Hopeful attitudes about housing market sour7/8/2011 2:12 PM
Americans have turned negative on their expectations for the housing market, according to the results of a Fannie Mae survey released this week.


What is your primary source for real estate information?



                   "SERVING HUDSON BAY & AREA"

                       Royal LePage Renaud Realty  Tisdale,Sk

                    CorinneReine                                                             Rocky Reine
                        865 7338                                                                   865 7201


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