Medicine Hat News — Friday, April 30, 2010
ALBERTA AND SASKATCHEWAN LICENCED
13
www.valeriechabot.ca
403-878-7541
Character Home
11383: 2+1 bedrooms, stained glass windows, original heat registers, formal diing. Corner gas fireplace. Large working kitchen.
$180,000
11118: Excellent 2 bedroom, 2 storey condo that shows like new. Gorgeous dark wood cupboards, granite counters.
$187,500
GREAT FAMIL Y HOME
11382: Hamptons home featuring 3 bedrooms, 3 baths, triple attached garage, backing on to walking paths. A must see.
$374,900
11055: 5 bed / 3 bath fully developed 2 storey double attached garage.
$279,000
9722: Fantastic fully developed modified bilevel in Dunmore - hardwoods, tile - vaulted ceilings, walkout - backing on to Eagle Butte School & so much more.
$535,000
CHECK OUT MY WEBSITE FOR ALL MY LISTINGS!
WILSON/ROYAL LEPAGE COMMUNITY, ; 3c; 23p6.857; Black Only; -
LOTS OF RENOS
NWCH
RESIDENTIAL LISTINGS
GREAT FAMILY HOME IN NECH
SOUTHRIDGE REDCLIFF
Office: 528-4222
Toll Free: 1-877-528-4222
313 5 AVE SW
11026: $269,900
1.5 Storey 3 Bdrm Home
• 2 baths • single detached garage with workshop • 2.5 city lots • newer furnace, hot water tank, windows etc.
CONDO
VIEW OF RIVER
11356: $210,900
All Brick Bungalow
• 2 + 1 Bedrooms • Hardwood Flooring * Covered patio with hot tub.
10134: $349,900
• 1220 SqFt Enhanced Bi-Level • 3+1 Bedroom • 3 Baths • Landscaped • Finished Basement
NEW HOME BUSINESS
11258: $298,900
• 3 + 2 bedroom bi-level • Partly finished basement • Double attached garage • Great Location
COMMERCIAL LISTINGS
COMMERCIAL LISTING
11430: $159,900
• 942 SQFT bungalow • Great yard • 2 bedrooms • Large single detached garage • Good location
BUILDING FOR SALE
ASKING $314,900
11328: $173,900
• 2 bedroom • 2 baths • In suite laundry • Flooring Allowance
11295: $14,500
• Window cleaning and property maintenance • includes all equipment • 1999 Dodge Cargo Fan • Ladders etc.
9209:
• Business and Property • Auto and repair center • Equipment/Machinery, etc. incl
9839:
• 3 Bays Finished • Automatic Roll Up doors • 2 Bays Leased • Great Investment
for Detailed Information on the Above Listings, Check out my Website at:
www.medicinehatrealestate.net
Rod Wilson
ASSOCIATE
Bus: 528-4222 Cell: 548-0156
rodwil@telusplanet.net
Understanding the Trends Behind Mortgage Rates
Mobile Mortgage Specialist
The Bank of Canada is expected by many econo- mists to raise short-term interest rates in June or July, prompting many homebuyers and mortgage holders to ask whether a variable-rate mortgage or a fixed-rate mortgage is best for them.
How, exactly, are mortgage rates offered by lenders determined? Many Canadian mortgage holders are surprised to learn that the pricing for variable-rate and fixed-rate mortgages are deter- mined by two different means.
First, let’s look at the pricing of variable-rate or “floating rate” mortgages. The rate for these mort- gages is tied directly to the Prime rate, which is set by the Bank of Canada, usually through regu- larly scheduled announcements. A competitive variable rate mortgage is now commonly available at Prime (now at 2.25%) minus 0.40%, or even lower in some cases. Those with variable rate mortgages need to keep an eye on the Prime rate,” and should keep in contact with a mortgage professional, who can explain interest rate trends.”
Pricing for fixed rate mortgages follows a separate dynamic, and is a bit more complex. Fixed-rate mortgages are priced in relation to the bond mar- kets, as bonds are the main competing invest- ment to mortgages for investors. Mortgages are priced higher than bonds, usually between about 1.20% and 1.90%, to account for higher risk of default and administration costs incurred by investors who hold mortgages as opposed to rel- atively hassle-free bonds.
The most popular type of mortgage in Canada is currently the five year fixed-rate mortgage. Discounted rates for this type of mortgage (avail- able through a mortgage broker) have been trend- ing upwards in recent weeks and currently stand at about 4.64.%.
With rates for both variable and fixed mortgages relatively low, consumers must decide based on their own preferences and unique circumstances. A mortgage broker can help consumers evaluate their mortgage options and make an optimal choice.”
52594100•04/30/10
Te
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“Mo Mortgage
Expe ence Y Ca
Can Depen
Terri McCamstbridge
Cell: 403-977
Mob Mo
Email: ter
Mobile Mortgage Specialist
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977-4617
Fax: 403-529-4616
Ema
terrii.m ca .mccambridge@t
e@td.com
Experience You pend On”
I am available anytime
I am available anytime including weekendsincluding weekends.
Ka
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Karen Taylor
As
Assistant
Cell: 403-977
Fa
Email: karen.r tay @t
Fax: 403-529-6371
ren.r.tayllor@td.co
BUILDYOURDREAMHOME!
977-0670
com
Mls#11238: Fully developed unique 4 level-split c/w double attached 22'x24' garage. Large kitchen/dining combination contains an island c/w sink. Two bedrooms on 2nd level and 1 bedroom on 3rd level. The exterior has maintenance free vinyl exterior. It is fully fenced, the driveway has recently been done. Newer carpet recently installed. All window coverings, fridge, stove and range hood included. Central air and patio accent the rear of the house.
ASKING $359,900
Mls# 11583: Maintenance free bungalow c/w large double attached garage with 3 beds up and 1 down. Large country style kitchen c/w ample oak cabinets. Newer carpets and lino throughout. 2 pc ensuite off a large master bedroom with huge closet. To view call me 403-580-9220
HOSPITAL AREA
11539: Attractive 3 + 1 bedroom home across from the hospital. beautifully refinished, redecorated and upgraded bathroom and kitchen. double attached garage & carport, plenty of room for parking. Zoning is DC.
Asking $249,900
Call Earl to view (403) 548-5546
EXCELLENT 2 STOREY
11401: Located in a quiet area of Saamis Heights, Tile flooring through the entryway, kitchen and laundry all on the main floor. Natural gas fireplace in living room with switch & fan. Maple kitchen cabinets, Island, dining nook and open design. Stove, fridge, washer, dryer and a new steam dishwasher all in great condition (nearly new). 3 good bedrooms and a 4 piece bath on the second floor with large closets and some organizers. Fully developed.
Reduced $324,900
Call Earl to view (403) 548-5546
For more information on this or any other listing Call Earl today at
403-548-5546
Realtor®
CALDER
11179: Super Value. 1170 sq.ft. 4 level split with C/A, Comfortable home with 3 + 1 bedrooms, 3 baths, beautiful family room with fireplace. Sliding door & covered patio. Covered R.V. parking & single garage. Needs some work.
Asking $239,900
Call Earl to view (403) 548-5546
Earl Scoville
www 403-548-5546
.medicinehat-homes.ca
73 TURNER CIRCLE SE
Ron Weisgerber
403-580-9220
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