Consumer Tips For Real EstateHot Tips 10 February 2023

What To Do Before Buying A Home

There’s a lot that goes into the process of buying a home, including determining where you want to buy, finding an agent, viewing properties, and finally, making an offer. But what many people don’t consider are all the things that need to be done before you even begin looking at properties. The home-buying process can be stressful, so taking the time to research and fully understand everything that goes into buying a home is vital to making sure the entire process goes as smoothly as possible.

We’ve broken down a few things that you should do before buying a home to help you get started on the right foot and make finding your dream home a stress-free experience!

Home buyers speaking to mortgage broker to get pre-approved

Buying a Home: Know Your Budget

Before you even begin looking at potential properties, the very first thing you should do is establish your budget. Understanding exactly how much you can afford is incredibly important, as it will keep you from looking at (and potentially falling in love) a property that is outside of your budget. After deciding you’re ready to buy a home, sit down and look at your finances to determine how much you’ll be able to afford for a mortgage. Don’t forget to factor in other expenses that come with owning a home, such as insurance and utilities.

Get Pre-Approved

Another important step to take before beginning your home-hunting journey is getting pre-approved for a mortgage. A pre-approval informs you of how much a mortgage lender is willing to lend you. This number is based on a number of different factors, including:

  • Income
  • Credit Rating
  • Debts

Your lender will also be able to guarantee the current interest rate for up to 120 days, which allows you to house hunt without worrying about any interest rate increases. Getting pre-approved before beginning your house hunt will not only help you stay within your budget but will also help show real estate agents that you are serious about buying a home.

Potential home buyer touring home

Choose An Agent

Once you’ve established your budget and have been pre-approved, your next step is to find a great real estate agent to work with. Buying a home is a huge investment and is likely one of the largest purchases you will make in your lifetime, so working with a knowledgeable agent will help take some of the stress out of the process. The right agent is going to be professional, knowledgeable, and responsive, and will do their best to find you the right home for the best price.

Determine Where You Want To Buy

You might have given a lot of thought to the kind of home you want to buy, whether that be a condo, townhouse, or single-family home, but taking location into consideration is also important. If you’re familiar with the area that you’re buying in, consider the different neighbourhoods and try to find one that is going to suit you and your needs best. Some people may want to prioritize things like green space and activities, while others might be focused on proximity to work, to avoid long commute times. If you’re unfamiliar with the area, ask your real estate agent for their thoughts. They are the area experts, and will be able to give you the ins and outs of the neighbourhoods you’re interested in so you can find the one that’s right for you.

Keys in door of new home

Start Home Hunting

After taking the necessary steps to prepare for the home-buying process, it’s time to begin searching for your perfect home! Spend some time looking through current listings in your preferred areas, and set up some showings with your real estate agent to view the properties in person. Photos and 3D tours can give you a good idea of the space and how a property is laid out, but actually walking through the space will allow you to see how you, your family, and your belongings would fit in the space. Remember that finding the perfect home can take some time, so patience is key in the home-buying process!

Whether you’re searching for your first home or are looking to move up or downsize, taking the necessary steps to prepare for the entire buying process will help ensure you are taken seriously as a buyer and can find the perfect home!

 

 

Ready to find your next home? We can help! Contact Max Carbone to learn more.

In The CommunitySellers AdvantageThe Gold Standard in Real Estate 6 October 2022

Century 21 Assurance Realty Earns Gold, Silver and Bronze!

We are proud to announce that Century 21 Assurance Realty Ltd. in the Central Okanagan, has been rated the #2 overall Century 21 Brokerage in all of Canada for the second consecutive time!  This award was recently announced by C21 Canada at the Canadian Conference held in St. Johns, Newfoundland.  

Our congratulations go to Century 21 Heritage House in the GTA which earned the #1 ranking.

 

This ranking is based on several factors, as listed below: 

 

 

Kudos go to Anne Wolfe (left) & Maureen Yakimchuk (right) from our office who were also nominated by C21 Canada as two of the top eight Realtors in all of Canada!  

This year, Century 21 Assurance Realty was also voted the #1 Real Estate Brokerage in the Okanagan by Kelowna Capital News readers for 2022 AND the #3 Real Estate Brokerage in the 2022 Best of Kelowna award by KelownaNow readers.

 

Thanks go to our exceptional team of Realtors, Brokers, Mentor, and Staff who are committed to helping Clients in the Okanagan achieve real estate excellence.  We are extremely proud of our colleagues who have earned and contributed to this acknowledgment as they are the ones who have truly earned these awards!  

 

Century 21 Assurance Realty in Kelowna proudly helps clients to achieve the Gold Standard In Real Estate.

TAKE YOUR CAREER TO THE NEXT LEVEL!

Contact Max Carbone to learn more: CALL or EMAIL

OR

Contact Dean Desrosiers to learn more: CALL or EMAIL

 

 

Consumer Tips For Real EstateHome BuyersIn The Community 3 October 2022

What you NEED TO KNOW before moving to Kelowna

Your Relocation Guide To Kelowna

Moving to a new city is an important life choice. You’ll want to be equipped with everything there’s to know to make your move successful!

The team at C21 Kelowna has assembled the following Relocation Guide to Kelowna to make your move to the Okanagan a breeze.

By the end of this article, you’ll be aware of some of the pros and cons of living in Kelowna, the desirable areas of town for you and your family, and what type of lifestyle you can expect in Kelowna.

 

KELOWNA AT A GLANCE

Kelowna and its surrounding area has a population of 195,000 residents. In fact, Kelowna is one of the fastest-growing municipalities in the country and it’s no wonder why!

The landscape throughout the Okanagan is pristine, and one of the only places where you can drive for less than an hour from the beach and end up on a ski hill!

Whether you’re interested in lakefront property, a downtown condo, or a cozy family home, Kelowna has plenty of Real Estate options for you!

Browse through our listings to find your perfect Kelowna home OR CONTACT US and we’ll put you in touch with one of our knowledgeable and skilled Realtors®. They will customize a search based on your needs to save you time and help make your moving process to Kelowna much more manageable.

 

PROS OF LIVING IN KELOWNA

  • Pristine natural landscape
  • Tons of outdoor activities at no cost
  • An international airport to make your vacation getaways much easier with direct flights to Hawaii, Mexico, Dominican Republic, and Jamaica, just to name a few!
  • Kelowna is home to an increasing young adult population, which also means the entrepreneurial space is expanding as companies old and new alike expand into the new technological era
  • Access to TONS of outdoor activities, like golf and skiing at world-renowned ski resorts such as BIG WHITE, SILVER STAR, and APEX which are nearby.

big white ski resort villageBig White Ski Resort

CONS OF LIVING IN KELOWNA

  • Renting requires a damage deposit, and a pet deposit if you have one, landlords can restrict the size and number of animals allowed in rental property
  • Growing traffic as roadways are not expanding at the same rate as the population
  • Homelessness, drugs, and petty crime

WHAT KELOWNA’S FUTURE HOLDS FOR YOUTH

The University of British Columbia, Okanagan Campus, is helping expand Kelowna’s cultural district and innovation centers. For example, the University of British Columbia is projected to start building its downtown Okanagan campus in Fall 2022!

In addition to the Main campus by the airport, the University of British Columbia, Okanagan is projected to raise the student population to 18,000 by 2040! This one aspect helps attract and retain people of all ages and demographics!

In conjunction with a growing student population in Kelowna, the downtown core is also expanding with condominium towers. If the city isn’t your desired neighborhood, Kelowna’s residential areas are also growing.

University of British Columbia in Kelowna

University of British Columbia, Okanagan Campus

RECAP: MOVING TO KELOWNA 101

Kelowna is a booming city. Its natural landscape offers tons of summer and winter activities that families and residents will love. Not only is it a growing and evolving community but it’s also becoming increasingly multicultural.

Picking a place to live isn’t easy, but adjusting to Kelowna’s lifestyle will be a breeze if this sounds like the right place for you!

Consumer Tips For Real EstatePreparing Your Listing for SaleRealtor KnowledgeRealtor KnowledgeSellers AdvantageThe Gold Standard in Real Estate 31 May 2022

The Art of Selling and Living in the Okanagan

The Art of Selling And Living In The Okanagan

The Okanagan lifestyle is unmatched! The heart of Kelowna offers a blend of relaxation, adventure AND entrepreneurial zest. It's no wonder that Kelowna has numerous desirable neighbourhoods - CLICK HERE to check them out for yourself! 

Mount Baldy Drive Viewpoint Kelowna

Starting a career in Real Estate can be daunting for agents. That’s why Century 21 Assurance Realty in Kelowna has engineered their brokerage services to make it easy for entrepreneurial Realtors® to prosper personally and professionally while living their Okanagan dream lifestyle.

“We begin with a proprietary purpose-based coaching program that helps our agents determine their life purpose, values and goals, says Max Carbone of Century 21 in Kelowna.

Our Realtors® are armed with a comprehensive, turn-key marketing services program called Elevate 21 which sets them apart. Each agent can count on powerful marketing materials for their clients' listings, every time "!

Most importantly, Century 21 Assurance Realty’s services translate to more time for agents to spend with clients, family and enjoying the Okanagan lifestyle!

It’s no wonder that 60% of Century 21 in Kelowna agents are award winners.

Read more here.  If you’d like to learn more about what C21 can do for your career, visit Century21Kelowna.com