Stop Paying Rent!

How to Stop Paying Rent and Own Your Own Home

Don’t pay another cent in rent to your landlord!

It’s a dream we all have – to own our own home and stop paying rent. But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle? You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home

Well, don’t feel trapped anymore! It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can:

– save for a down payment

– stop lining your landlord’s pockets, and
– stop wasting thousands of dollars on rent.

6 Little Known Facts That Can Help You Buy Your First Home

The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points:

You can buy a home with much less down than you think.

There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market. You can qualify as a first time buyer even if your spouse has owned a home before as long as your name was not registered. Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options.

You may be able to get your lender to help you with your down payment and closing costs.

Even if you do not have enough cash for a down-payment, if you are debt-free, and own an asset free and clear (such as a car, for example), your lending institution may be able to lend you the down-payment for your home by securing it against this asset.

You may be able to find a seller to help you buy and finance your home.

Some sellers may be willing to hold a second mortgage for you as a “seller take-back.” In this case, the seller becomes your lending institution. Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments.

You may be able to create a cash down payment without actually going into debt.

By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a down-payment. While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end.

You can buy a home even if you have problems with your credit rating.

If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation.

You can, and should, get preapproved for a home loan before you go looking for a home.

Preapproval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written preapproval for you at no cost and no obligation, and it can all be done quite easily over-the-phone. More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you’re looking for.

Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire.

To sum up, there are many important issues you should be aware of that affect you as a renter. Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning?

This conversation costs you nothing. And, of course, you shouldn’t have to feel obligated to buy a home at the time you review this. But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you’ll be when you are ready to make this important step.

How to Stop Paying Rent and Own Your Own Home

Don’t pay another cent in rent to your landlord!

It’s a dream we all have – to own our own home and stop paying rent. But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle? You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home

Well, don’t feel trapped anymore! It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can:

– save for a down payment

– stop lining your landlord’s pockets, and
– stop wasting thousands of dollars on rent.

6 Little Known Facts That Can Help You Buy Your First Home

The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points:

You can buy a home with much less down than you think.

There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market. You can qualify as a first time buyer even if your spouse has owned a home before as long as your name was not registered. Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options.

You may be able to get your lender to help you with your down payment and closing costs.

Even if you do not have enough cash for a down-payment, if you are debt-free, and own an asset free and clear (such as a car, for example), your lending institution may be able to lend you the down-payment for your home by securing it against this asset.

You may be able to find a seller to help you buy and finance your home.

Some sellers may be willing to hold a second mortgage for you as a “seller take-back.” In this case, the seller becomes your lending institution. Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments.

You may be able to create a cash down payment without actually going into debt.

By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a down-payment. While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end.

You can buy a home even if you have problems with your credit rating.

If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation.

You can, and should, get preapproved for a home loan before you go looking for a home.

Preapproval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written preapproval for you at no cost and no obligation, and it can all be done quite easily over-the-phone. More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you’re looking for.

Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire.

To sum up, there are many important issues you should be aware of that affect you as a renter. Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning?

This conversation costs you nothing. And, of course, you shouldn’t have to feel obligated to buy a home at the time you review this. But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you’ll be when you are ready to make this important step.

9 Buyer Traps & How to Avoid Them

No matter which way you look at it, buying a home is a major investment. But for many home buyers, it can be an even more expensive process than it needs to be because many fall prey to at least a few of the many common and costly mistakes which trap them into either:

* paying too much for the home they want, or
* losing their dream home to another buyer or,
* (worse) buying the wrong home for their needs.

A systemized approach to the home buying process can help you steer clear of these common traps, allowing you to not only cut costs, but also secure the home that’s best for you.

This important article discusses the 9 most common and costly of these homebuyer traps, how to identify them, and what you can do to avoid them.

The 9 Buyer Traps

Bidding Blind

What price should you offer when you bid on a home? Is the seller’s asking price too high, or does it represent a great deal? If you fail to research the market in order to understand what comparable homes are selling for, making your offer would be like bdding blind. Without this knowledge of market value, you could easily bid too much, or fail to make a competitive offer at all on an excellent value.

Buying the Wrong Home.

What are you looking for in a home? A simple enough question, but the answer can be quite complex. More than one buyer has been swept up in the emotion and excitement of the buying process only to find themselves the owner of a home that is either too big or too small. Maybe they’re stuck with a longer than desired commute to work, or a dozen more fix-ups than they really want to deal with now that the excitement has died down. Take the time upfront to clearly define your wants and needs. Put it in writing and then use it as a yard stick with which to measure every home you look at.

Unclear Title.

Make sure very early on in the negotiation that you will own your new home free and clear by having a title search completed. The last thing you want to discover when you’re in the back stretch of a transaction is that there are encumbrances on the property such as tax liens, undisclosed owners, easements, leases or the like.

Inaccurate Survey.

As part of your offer to purchase, make sure you request an updated property survey which clearly marks your boundaries. If the survey is not current, you may find that there are structural changes that are not shown (e.g. additions to the house, a new swimming pool, a neighbor’s new fence which is extending a boundary line, etc.). Be very clear on these issues.

Undisclosed Fix-ups.

Don’t expect every seller to own up to every physical detail that will need to be attended to. Both you and the seller are out to maximize your investment. Ensure that you conduct a thorough inspection of the home early in the process. Consider hiring an independent inspector to objectively view the home inside and out, and make the final contract contingent upon this inspector’s report. This inspector should be able to give you a report of any item that needs to be fixed with associated, approximate cost.

Not Getting Mortgage Preapproval.

Preapproval is fast, easy and free. When you have a preapproved mortgage, you can shop for your home with a greater sense of freedom and security, knowing that the money will be there when you find the home of your dreams.

Contract Misses.

If a seller fails to comply to the letter of the contract by neglecting to attend to some repair issues, or changing the spirit of the agreement in some way, this could delay the final closing and settlement. Agree ahead of time on a dollar amount for an escrow fund to cover items that the seller fails to follow through on. Prepare a list of agreed issues, walk through them, and check them off one by one.

Hidden Costs.

Make sure you identify and uncover all costs – large and small – far enough ahead of time. When a transaction closes, you will sometimes find fees for this or that sneaking through after the “sub”-total – fees such as loan disbursement charges, underwriting fees etc. Understand these in advance by having your lender project total charges for you in writing.

Rushing the Closing.

Take your time during this critical part of the process, and insist on seeing all paperwork the day before you sign. Make sure this documentation perfectly reflects your understanding of the transaction, and that nothing has been added or subtracted. Is the interest rate right? Is everything covered? If you rush this process on the day of closing, you may run into a last minute snag that you can’t fix without compromising the terms of the deal, the financing, or even the sale itself.

One More Tip…

Find out if your agent offers a Buyer Profile System or “House-hunting Service,” which takes the guesswork out of finding just the right home that matches your needs. This type of program will crossmatch your criteria with ALL available homes on the market and supply you with printed information on an on-going basis. A program like this can help you to affordably move into
the home of your dreams.

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Residential For Sale

286 Trout Cove Road, Centreville Ns B0v 1a0

More Details

2Bedroom(s)

1Bathroom(s)

Circular DrivewayParking(s)

30Picture(s)

900Sqft

Listing courtesy of Exit Realty Town & Country

C$224900

Residential For Sale

286 Trout Cove Road, Centreville Ns B0v 1a0

2Bedroom(s)

1Bathroom(s)

Circular DrivewayParking(s)

900Sqft

Listing courtesy of Exit Realty Town & Country

Welcome to 286 Trout Cove Road, Centreville — a quaint 2-bedroom, 1-bath home nestled perfectly on expansive green space with distant views of the Bay of Fundy. Sitting lovingly on approximately 100+/- acres, this property offers your very own nature’s playground with endless opportunities to explore. Bring your East Coast dream to life with large acreage and water views.

C$224900

Residential For Sale

286 Trout Cove Road, Centreville Ns B0v 1a0

Listing courtesy of Exit Realty Town & Country

2Bedroom(s)

1Bathroom(s)

C$224900

Residential For Sale

166 Quail Ridge, Beaver Bank Ns B4g 0g8

More Details

4Bedroom(s)

4Bathroom(s)

DoubleParking(s)

11Picture(s)

1,952Sqft

Listing courtesy of RE/MAX Nova

C$884900

Residential For Sale

166 Quail Ridge, Beaver Bank Ns B4g 0g8

4Bedroom(s)

4Bathroom(s)

DoubleParking(s)

1,952Sqft

Listing courtesy of RE/MAX Nova

Marchand Homes presents "The Aspen" surrounded by nature on 3.3 acres in Lost Creek Village. Each Marchand home comes with a 10 year Atlantic New Home Warranty, main level ductless heat pump, Energy Efficient and Energy Star Certified Low E & Argon windows, white shaker style kitchen, soft cabinet closures, deluxe trim package and 40 year LLT shingles.

C$884900

Residential For Sale

166 Quail Ridge, Beaver Bank Ns B4g 0g8

Listing courtesy of RE/MAX Nova

4Bedroom(s)

4Bathroom(s)

C$884900

Residential For Sale

7 Twin River Trailer Park Court, Stellarton Ns B0k 1s0

More Details

2Bedroom(s)

1Bathroom(s)

GravelParking(s)

3Picture(s)

832Sqft

Listing courtesy of RE/MAX Fairlane Realty

C$174000

Residential For Sale

7 Twin River Trailer Park Court, Stellarton Ns B0k 1s0

2Bedroom(s)

1Bathroom(s)

GravelParking(s)

832Sqft

Listing courtesy of RE/MAX Fairlane Realty

Welcome to your totally new deluxe 2 BR minihome, manufactured right here in Pictou County! Customize your order now & you're move in ready in the Spring of 2026. The home features tasteful kitchen cabinets (buyer can choose cabinet colours from a wide array of selections in the onsite decor centre, plus your own choice of hardware & light fixtures).

C$174000

Residential For Sale

7 Twin River Trailer Park Court, Stellarton Ns B0k 1s0

Listing courtesy of RE/MAX Fairlane Realty

2Bedroom(s)

1Bathroom(s)

C$174000

Residential For Sale

47 Theresa Court, Lake Echo Ns B3e 1b1

More Details

3Bedroom(s)

2Bathroom(s)

NoneParking(s)

23Picture(s)

1,632Sqft

Listing courtesy of Century 21 Trident Realty Ltd.

C$674900

Residential For Sale

47 Theresa Court, Lake Echo Ns B3e 1b1

3Bedroom(s)

2Bathroom(s)

NoneParking(s)

1,632Sqft

Listing courtesy of Century 21 Trident Realty Ltd.

This soon to be constructed 48 x 34 modern bungalow is just perfect a family or retirement bungalow. Wheelchair accessible! From the large covered front patio to sit on and relax out of the elements to the 28 x 19 Great Room Kitchen which features centre island and French Doors to private back deck to entertain and Bar-B-Q you will totally enjoy this space.

C$674900

Residential For Sale

47 Theresa Court, Lake Echo Ns B3e 1b1

Listing courtesy of Century 21 Trident Realty Ltd.

3Bedroom(s)

2Bathroom(s)

C$674900

Residential For Sale

40 Mcgillis Island Road, Middle Ohio Ns B0t 1w0

More Details

2Bedroom(s)

1Bathroom(s)

13Picture(s)

1,000Sqft

Listing courtesy of Coldwell Banker Tri-Key Realty

C$349000

Residential For Sale

40 Mcgillis Island Road, Middle Ohio Ns B0t 1w0

2Bedroom(s)

1Bathroom(s)

1,000Sqft

Listing courtesy of Coldwell Banker Tri-Key Realty

7.22 acres of land compromise of almost 75%of McGillis Island ,this property offers 2700'on Roseway River . Two acres of pasture,sheds,fenced in vegetable gardens,plus a huge barn at the entrance of the property would be a plus to a hobby farmer. The 2 bedroom home has been sited at the South end of the Island to take advantage of the soar from the south and the west.

C$349000

Residential For Sale

40 Mcgillis Island Road, Middle Ohio Ns B0t 1w0

Listing courtesy of Coldwell Banker Tri-Key Realty

2Bedroom(s)

1Bathroom(s)

C$349000

Residential For Sale

744-682 Celebration Drive, Fall River Ns B2t 1s3

More Details

4Bedroom(s)

3Bathroom(s)

AttachedParking(s)

10Picture(s)

2,025Sqft

Listing courtesy of Viewpoint Realty Services Inc.

C$829900

Residential For Sale

744-682 Celebration Drive, Fall River Ns B2t 1s3

4Bedroom(s)

3Bathroom(s)

AttachedParking(s)

2,025Sqft

Listing courtesy of Viewpoint Realty Services Inc.

Another Quality Built Gerald Mitchell Home. Welcome to the Tessa Split Entry, designed with the growing family in mind. You will love the open kitchen with large island, and the open concept flow of the main living area. Lots of space for a large family dining table. Cozy up next to the custom trimmed, and inviting propane fireplace in the main living space.

C$829900

Residential For Sale

744-682 Celebration Drive, Fall River Ns B2t 1s3

Listing courtesy of Viewpoint Realty Services Inc.

4Bedroom(s)

3Bathroom(s)

C$829900

Residential For Sale

940 East Dalhousie Road, East Dalhousie Ns B0r 1h0

More Details

2Bedroom(s)

2Bathroom(s)

DoubleParking(s)

43Picture(s)

2,248Sqft

Listing courtesy of BORDEN REAL ESTATE LIMITED - A586

C$255000

Residential For Sale

940 East Dalhousie Road, East Dalhousie Ns B0r 1h0

2Bedroom(s)

2Bathroom(s)

DoubleParking(s)

2,248Sqft

Listing courtesy of BORDEN REAL ESTATE LIMITED - A586

EXCELLET BUY HERE... Empty for immediate possession... 2 Bedroom, 2 bath home located in East Dalhousie, less than an hour to Bridgewater, New Minus or Tantallon, and just minutes from famous Lake Torment. Public beach close by. Community store with gas & groceries & take out 1.5 km's.

C$255000

Residential For Sale

940 East Dalhousie Road, East Dalhousie Ns B0r 1h0

Listing courtesy of BORDEN REAL ESTATE LIMITED - A586

2Bedroom(s)

2Bathroom(s)

C$255000

Residential For Sale

78 Fort Point Road, Lahave Ns B0r 1c0

More Details

3Bedroom(s)

3Bathroom(s)

AttachedParking(s)

43Picture(s)

2,364Sqft

Listing courtesy of RE/MAX Banner Real Estate (Bridgewater)

C$755000

Residential For Sale

78 Fort Point Road, Lahave Ns B0r 1c0

3Bedroom(s)

3Bathroom(s)

AttachedParking(s)

2,364Sqft

Listing courtesy of RE/MAX Banner Real Estate (Bridgewater)

Welcome to your new home! This is truly a one-of-a-kind property located in the quaint village of LaHave where the river meets the ocean. Wake up every morning to stunning sunrises and spectacular water views. Then spend your day exploring the area including the famous LaHave Bakery, many arts and craft shops and amazing sandy beaches.

C$755000

Residential For Sale

78 Fort Point Road, Lahave Ns B0r 1c0

Listing courtesy of RE/MAX Banner Real Estate (Bridgewater)

3Bedroom(s)

3Bathroom(s)

C$755000

Residential For Sale

171 Carnoustie Drive, Hammonds Plains Ns B4b 0e5

More Details

4Bedroom(s)

4Bathroom(s)

AttachedParking(s)

32Picture(s)

2,970Sqft

Listing courtesy of RE/MAX Nova (Halifax)

C$799900

Residential For Sale

171 Carnoustie Drive, Hammonds Plains Ns B4b 0e5

4Bedroom(s)

4Bathroom(s)

AttachedParking(s)

2,970Sqft

Listing courtesy of RE/MAX Nova (Halifax)

Welcome to the Knolls of Glenn Arbour! This stunning new construction bungalow features 4 bedrooms, 3.5 bathroom and 2,970 sq ft of living space. Enjoy the comfort of being able to enter your home from your attached double car garage during those colder months leading right into your mudroom/laundry room.

C$799900

Residential For Sale

171 Carnoustie Drive, Hammonds Plains Ns B4b 0e5

Listing courtesy of RE/MAX Nova (Halifax)

4Bedroom(s)

4Bathroom(s)

C$799900

Residential For Sale

6-28 Hatchet Lane, Hatchet Lake Ns B3t 1s1

More Details

2Bedroom(s)

1Bathroom(s)

DoubleParking(s)

20Picture(s)

1,200Sqft

Listing courtesy of PG Direct Realty Ltd.

C$434900

Residential For Sale

6-28 Hatchet Lane, Hatchet Lake Ns B3t 1s1

2Bedroom(s)

1Bathroom(s)

DoubleParking(s)

1,200Sqft

Listing courtesy of PG Direct Realty Ltd.

Visit REALTOR® website for additional information. Live on the Lake! Discover this charming bungalow on a quiet lane on Hatchet Lake just minutes to the city. Shared lakefront ownership makes this a property for you to enjoy the waterfront all year long.

C$434900

Residential For Sale

6-28 Hatchet Lane, Hatchet Lake Ns B3t 1s1

Listing courtesy of PG Direct Realty Ltd.

2Bedroom(s)

1Bathroom(s)

C$434900

Residential For Sale

551-53 Quail Ridge, Beaver Bank Ns B4g 0c4

More Details

4Bedroom(s)

3Bathroom(s)

AttachedParking(s)

14Picture(s)

2,522Sqft

Listing courtesy of Viewpoint Realty Services Inc.

C$849900

Residential For Sale

551-53 Quail Ridge, Beaver Bank Ns B4g 0c4

4Bedroom(s)

3Bathroom(s)

AttachedParking(s)

2,522Sqft

Listing courtesy of Viewpoint Realty Services Inc.

Another Quality Built Gerald Mitchell Home. Welcome to the Kingswood, designed with the growing family in mind. Be welcomed home to this well thought out plan with spacious entry, beautiful kitchen w/ large island, spacious dining room, and open concept flow of the main living area all under the grand vaulted ceiling. Cozy up next to the fireplace anchoring the open concept living room.

C$849900

Residential For Sale

551-53 Quail Ridge, Beaver Bank Ns B4g 0c4

Listing courtesy of Viewpoint Realty Services Inc.

4Bedroom(s)

3Bathroom(s)

C$849900

Residential For Sale

Hale Road Lot 64a, Cambridge Ns B0p 1g0

More Details

2Bedroom(s)

2Bathroom(s)

AttachedParking(s)

2Picture(s)

1,060Sqft

Listing courtesy of Royal LePage Atlantic (New Minas)

C$419000

Residential For Sale

Hale Road Lot 64a, Cambridge Ns B0p 1g0

2Bedroom(s)

2Bathroom(s)

AttachedParking(s)

1,060Sqft

Listing courtesy of Royal LePage Atlantic (New Minas)

New one level, energy efficient home under construction in Cambridge Village Subdivision in the heart of the beautiful Annapolis Valley! This 1,060 S/F house being built by New Life Developments offers low maintenance and all the peace of mind that comes with a quality new build. This home an open concept kitchen, living room and dining room. The kitchen and bathrooms have quartz countertops.

C$419000

Residential For Sale

Hale Road Lot 64a, Cambridge Ns B0p 1g0

Listing courtesy of Royal LePage Atlantic (New Minas)

2Bedroom(s)

2Bathroom(s)

C$419000

3355 Results returned.Per Page

Stop Paying Rent!

How to Stop Paying Rent and Own Your Own Home

Don’t pay another cent in rent to your landlord!

– save for a down payment

– stop lining your landlord’s pockets, and – stop wasting thousands of dollars on rent.

6 Little Known Facts That Can Help You Buy Your First Home

The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points:

You can buy a home with much less down than you think.

You may be able to get your lender to help you with your down payment and closing costs.

Even if you do not have enough cash for a down-payment, if you are debt-free, and own an asset free and clear (such as a car, for example), your lending institution may be able to lend you the down-payment for your home by securing it against this asset.

You may be able to find a seller to help you buy and finance your home.

Some sellers may be willing to hold a second mortgage for you as a “seller take-back.” In this case, the seller becomes your lending institution. Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments.

You may be able to create a cash down payment without actually going into debt.

You can buy a home even if you have problems with your credit rating.

If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation.

You can, and should, get preapproved for a home loan before you go looking for a home.

Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire.

How to Stop Paying Rent and Own Your Own Home

Don’t pay another cent in rent to your landlord!

– save for a down payment

– stop lining your landlord’s pockets, and – stop wasting thousands of dollars on rent.

6 Little Known Facts That Can Help You Buy Your First Home

The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points:

You can buy a home with much less down than you think.

You may be able to get your lender to help you with your down payment and closing costs.

Even if you do not have enough cash for a down-payment, if you are debt-free, and own an asset free and clear (such as a car, for example), your lending institution may be able to lend you the down-payment for your home by securing it against this asset.

You may be able to find a seller to help you buy and finance your home.

Some sellers may be willing to hold a second mortgage for you as a “seller take-back.” In this case, the seller becomes your lending institution. Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments.

You may be able to create a cash down payment without actually going into debt.

You can buy a home even if you have problems with your credit rating.

If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation.

You can, and should, get preapproved for a home loan before you go looking for a home.

Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire.

9 Buyer Traps & How to Avoid Them

No matter which way you look at it, buying a home is a major investment. But for many home buyers, it can be an even more expensive process than it needs to be because many fall prey to at least a few of the many common and costly mistakes which trap them into either:

* paying too much for the home they want, or * losing their dream home to another buyer or, * (worse) buying the wrong home for their needs.

A systemized approach to the home buying process can help you steer clear of these common traps, allowing you to not only cut costs, but also secure the home that’s best for you.

This important article discusses the 9 most common and costly of these homebuyer traps, how to identify them, and what you can do to avoid them.

The 9 Buyer Traps

Bidding Blind

Buying the Wrong Home.

Unclear Title.

Inaccurate Survey.

Undisclosed Fix-ups.

Not Getting Mortgage Preapproval.

Preapproval is fast, easy and free. When you have a preapproved mortgage, you can shop for your home with a greater sense of freedom and security, knowing that the money will be there when you find the home of your dreams.

Contract Misses.

Hidden Costs.

Rushing the Closing.

One More Tip…

Residential For Sale

286 Trout Cove Road, Centreville Ns B0v 1a0

Residential For Sale

Residential For Sale

Residential For Sale

166 Quail Ridge, Beaver Bank Ns B4g 0g8

Residential For Sale

Residential For Sale

Residential For Sale

7 Twin River Trailer Park Court, Stellarton Ns B0k 1s0

Residential For Sale

Residential For Sale

Residential For Sale

47 Theresa Court, Lake Echo Ns B3e 1b1

Residential For Sale

Residential For Sale

Residential For Sale

40 Mcgillis Island Road, Middle Ohio Ns B0t 1w0

Residential For Sale

Residential For Sale

Residential For Sale

744-682 Celebration Drive, Fall River Ns B2t 1s3

Residential For Sale

Residential For Sale

Residential For Sale

940 East Dalhousie Road, East Dalhousie Ns B0r 1h0

Residential For Sale

Residential For Sale

– stop lining your landlord’s pockets, and
– stop wasting thousands of dollars on rent.

– stop lining your landlord’s pockets, and
– stop wasting thousands of dollars on rent.

* paying too much for the home they want, or
* losing their dream home to another buyer or,
* (worse) buying the wrong home for their needs.