Thomas & Wanda

"Mr. & Mrs. Fraser Valley"

We are thrilled to say we have just SOLD a property at 12477 62 AVE in SURREY.
BOUNDARY PARK! This 4 Bedroom plus Den is a MUST SEE!! Situated on a Fabulous 8359 sq.ft. lot on a great Cul-de-sac! Lovely Sunken Living Room with high ceilings & attractive Fireplace! Open to the Dining Room - making it perfect for entertaining! Spacious Open Plan Kitchen with Lovely Eat-in Area .... overlooks Family Room! Bonus Den/Office on Main Floor! Upstairs: Spacious Master Retreat with Walk-in Closet and Recently upgraded Ensuite with Soaker Tub & Sep. Shower! 3 More Generous Sized Bedrooms Up! One makes a perfect Games Room! Lots of Upgrades inside & out! Roof, Gutters & Hot Water (1 yr), Newer Carpets on Stairs, Upper Hall & Games Room! This is a MUST SEE! BE FAST ON THIS ONE!!
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Round Up, Pay Down

PhotoThere are a few tips you can follow to pay down your mortgage debt sooner that sound so simple, you'll wonder why everyone doesn't follow them.

One tip is to round up an uneven monthly mortgage payment to an even amount, and watch how even a small increase can make a big difference. For example, call and ask how adding just $50 a month to your mortgage payment can allow you to pay off your mortgage sooner, and slash thousands off your interest payments.

Where can you find an extra $50, $100 or more "extra" money a month? As any financial advisor will tell you, it's in the little things – brewing your own coffee before you leave home, reading the news online instead of subscribing to a daily newspaper, packing a lunch and reducing your restaurant or fast-food lunches to a once-a-week treat instead of a daily habit are just some suggestions.

Another tip, if you get paid bi-weekly, is to pay your mortgage on the same schedule. Paying bi-weekly as opposed to monthly is another way to pay off your mortgage faster without even noticing. Again, you can save thousands in interest payments with this little change too!

Please call for more ways to make paying off your mortgage faster, more efficient and cheaper!

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We are thrilled to say we have just SOLD a property at 6589 133A ST in SURREY.
This Basement home is a MUST SEE!! Situated on a Fabulous cul-de-sac Lot backing onto Greenbelt! Shows GREAT! OPEN PLAN Living Room with flagstone Fireplace & Picture Window! Open to the Dining Room - making it perfect for entertaining! Spacious Kitchen with Lovely Eat-in Area! Walk-out from Kitchen to Deck overlooking Private Yard & Greenbelt! WOW!! 3 good sized bedrooms up incl. Master with 3 pce Ensuite & W/I closet! Basement is Fully Finished!! HUGE Wide Open Family/Recreation Room boasts lovely Brick Fireplace plus Wet-bar! 3 Pce Bathroom down! (Recent updates include new garage door & new interior doors) This is a GREAT Family Home!! ....... DON'T WAIT - You'll LOVE IT!! BE FAST ON THIS ONE!!
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Structural Integrity

PhotoFew things can lower the value of a house like foundation problems. Whether you're a homeowner or a homebuyer, learn how to spot current or potential problems by looking out for the following signs.

Inside the house:

    • Floors slope or have depressions, humps, or soft, spongy spots; tiles are raised or cracked; hardwood is warped.

 

 

    • Wallpaper is torn, wrinkled, or curling.

 

 

    • Cabinetry won't stay shut and/or has separated from walls or ceilings.

 

 

    • Doors or windows don't open and close properly, and/or have gaps between them and the framing; frames are askew.

 

 

    • Cracks in sheetrock, walls (particularly at joints), ceilings, the basement, moldings; in and around fireplaces; and at the corners of window and door frames.

 

 

    • A lot of nails popping out of sheetrock or corner frames.

 

 

  • Bowed basement walls.

 

Outside the house:

    • There are cracks in the brick veneer or mortar, most commonly found in a zigzag or "step" pattern that follows mortar.

 

 

    • The brick veneer is pulling away from window or door frames, leaving a gap.

 

 

    • Fascia boards are separating; this is especially common at the corners of the house.

 

 

    • The roofline is uneven.

 

 

    • The chimney is cracked and/or tilted.

 

 

    • Visible cracks in the foundation. Hairline cracks are normal and unlikely to be problematic; larger cracks, which can let water in, are cause for concern.

 

 

  • Gaps between garage doors and the ground.

 

If you see any such signs around your current house, don't hesitate to contact a professional – left unaddressed, small problems can become big ones. If you're considering buying a home that exhibits any of these signs, be sure to have it inspected so you have a clear understanding of its condition.

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Down With Debt

PhotoA survey resulting in a 2013 Household Debt Report* was recently conducted to measure how much debt Canadian households are carrying, and how that debt is being managed. Highlights of the survey are as follows:

 

    • 83 percent of Canadians have some form of debt, up from 74 percent in 2012.

 

 

    • The average monthly debt payment made by Canadians has declined, dropping from $1,138 in 2012 to $986 in 2013.

 

 

    • 44 percent of respondents said their household debt level has decreased over the past five years, while 28 percent said it has increased.

 

 

  • 34 percent of respondents cited their mortgage as their largest source of debt, followed by car loans (19 percent of respondents) and education funding (14 percent of respondents).

 

The report indicated that 58 percent of the respondents expect to be debt-free within five years. For respondents who hold a current mortgage, 33 percent expect to be debt-free within five years, while 56 percent expect to be debt-free within 10 years. Of those with other types of debt, 29 percent expect to be debt-free within the next year.

Have you taken the time to evaluate your current debt situation? Today's continued low interest rates make it a great time to review your financial obligations to see if there's a way you can pay down your debt faster. For example, choosing a shorter amortization period for your mortgage will not only allow you to become mortgage-free sooner, but also save you thousands of dollars over the life of your mortgage.

Please call for a no-obligation analysis of your current mortgage loan and to find out if there's a way you can eliminate your debt faster!

* The BMO 2013 Household Debt Report was conducted by Pollara using an online survey of 1,005 Canadians fielded by Pollara between July 12th and 16th, 2013. A probability sample of this size would be accurate to +/- 3.1 percent, 19 times out of 20.

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Your Mortgage Question Checklist

PhotoHave you ever gone to the doctor with a list full of questions in your head, only to draw a blank when you finally sit down with the doctor? It's sometimes the same with your mortgage broker, so to make it easier to remember all your questions, tick off the applicable topics on the list below and have it handy!

 

    • How much can I afford to pay for my new home?
    • How much do I need for a down payment?
    • What other costs should I budget for?
    • What are the different types of mortgages, and different types of interest rates?
    • What are my payment options, and can changing my payment frequency make a difference to my mortgage balance and term?
    • What's the difference between mortgage prequalification and mortgage pre-approval?
    • How can I check my credit rating? How does it affect my mortgage rate?
    • Does it make sense for me to refinance at this time?
    • Am I able to renew my mortgage early?
    • How can I pay off my mortgage sooner?
    • How can a mortgage broker help me find the right financing?
    • How long does the mortgage processing or transaction take?
    • Can I get a mortgage to renovate my property, or to pay off other debts?
    • I'm self-employed – how will this affect my mortgage application?

 

 

  • __________________________________________
  • __________________________________________

 

Questions?   Call Thomas Parrish 604-512-8526 or Wanda Holmes 604-512-8527 or email us at info@thomaswanda.com

 

Please call today with all your questions!

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Go With A Pro

PhotoSelling a house – how hard could it be? From the many homeowners who have attempted to sell their houses themselves, the answer is, "Much harder than it looks!"

You may have heard the term "For Sale By Owner" or "FSBO", which means that a homeowner is attempting to sell their home without the services of a real estate sales representative. Doing this presents some unique challenges to the seller, including but not limited to these issues:

 

  • Homeowners tend to overprice their homes. Factoring in sentimental value alone, owners often price their homes as distinct, unique properties – not as one of a number of similar properties in the area. Up-to-date pricing — the kind a local real estate sales representative knows — is key to generating initial interest in the property for sale.

 

 

  • Education on realty legal matters is crucial for any owner thinking of selling a property, especially for those without professional real estate guidance. Disclosures, legal forms and contracts must be in place and real estate laws must be adhered to in order to avoid any vulnerability to lawsuits.

 

 

  • Advertising exposure generates significant interest in a property, and sellers going through a real estate sales representative benefit from the wide influence of being included on the Multiple Listing Service®, a powerful tool available to REALTORS®.

 

Remember, your real estate sales representative only gets paid when your property sells, so we'll do whatever it takes to make sure you achieve your goal – and ours! – by completing your home sale to your ultimate satisfaction.

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Fresh Pumpkin Pie

Photo

Ingredients for Pie Crust:

 

      1 1/2 c. all-purpose flour

 

1/4 tsp. salt

1 tsp. sugar

1 stick (8 Tbsp.) butter, cut into small pieces

4 to 5 Tbsp. ice water

 

Ingredients for Pumpkin Pie Filling:

 

      2 c. cooked, mashed pumpkin

 

1 (12 oz.) can evaporated milk

2 eggs, beaten

1/2 tsp. vanilla extract

3/4 c. packed brown sugar

1/2 tsp. each ground cinnamon, salt, ground ginger, allspice, cloves and nutmeg

 

Directions:

1. Preheat oven to 400° F (200° C).

2. Mix together flour, salt and sugar for pie crust, then cut butter into mixture and combine with hands, adding 1 Tbsp. water at a time, as needed, until dough is moist enough to hold together.

3. Roll dough into flat disk, then take a sharp knife and trim pastry to 1 1/2" wider than an upsidedown 9" pie pan. Gently ease the crust into the pie pan, then refrigerate for 30 minutes.

4. Add all pumpkin pie filling ingredients to a bowl; mix well.

5. Pour pie filling into the pie shell and bake for 40 minutes, or until center is set.

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In Plain Sight

PhotoIn empty homes, flaws stand out all the more. As buyers will have little else to focus on during showings, you'll need to focus on preparing the following five areas of your vacant home before showings.

 

    • Windows and doors. Replace missing or broken screens and glass panes. Make sure windows and doors open, close, and lock properly, and are clean. Silence squeaks with lubricant. Replace caulking and weather-stripping and repaint as needed. Polish or replace door hardware.

 

 

    • Walls and ceilings. Remove wallpaper. Sand rough spots, repair popped nails, and patch holes and cracks. Wash your walls, then repaint them in a neutral shade. If your ceilings have water stains, give them a fresh coat of paint too. Replace missing or damaged trim and re-paint it as needed.

 

 

    • Floors. Damaged or outdated flooring (e.g. stained, worn, an unusual color or passé pattern) should be replaced. Otherwise, repair and revitalize floors as needed: replace missing, broken, or stained tiles; have carpets professionally cleaned; make vinyl shine again with vinegar and water; wash and buff or refinish hardwood.

 

 

    • Cabinetry. Make sure doors and drawers open smoothly and quietly, and outfit them with new hardware – this inexpensive improvement will go a long way towards updating your kitchen and bathrooms. If your cabinetry's in good shape but looks dated, you can refinish or reface it instead of replacing it.

 

 

  • Plumbing and electrical. With little else to do in an empty home, buyers will be more inclined to play with switches, taps, handles and such, so ensure toilets flush properly, water pressure is strong, taps don't drip, pipes don't leak, and light switches, dimmers, and appliances work.

 

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On The List

PhotoAs a homebuyer, your "needs vs. wants" list is one of your most important documents. Here's how it can serve as a valuable tool at different stages of the home-buying process.

 

    • Creating a "needs vs. wants" list helps you – and your real estate representative – figure out exactly what it is you're looking for in a property, thus narrowing the scope of your home search. Creating that list before you start shopping will save you (and your rep) a lot of time and energy, and make the process shorter and less stressful for you.

 

 

    • During showings, your list can help prevent you from falling "in love" with (and, as a result, overpaying for) a home by keeping you focused on your priorities and providing objective criteria against which you can measure each property. Take a copy to each showing and use it as a literal checklist to help you remember and distinguish between properties.

 

 

    • If you feel your home search has gotten off track (e.g. it's taking too long or the homes you're looking at are out of your price range), your "needs vs. wants" list can help you correct your course. You may simply need it to remind you of your home-buying goals, or you may need to reassess and revise your list.

 

 

    • After signing a purchase agreement, it's not uncommon to get cold feet. Reviewing your "needs vs. wants" list can be helpful here too. Compare the property you've chosen with the list you've made – if this home satisfies all or most of your criteria, and if any compromises you made still make sense, you'll no doubt find yourself reassured in your decision.

 

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We are thrilled to say we have just SOLD a property at 12477 62 AVE in SURREY.
BOUNDARY PARK! This 4 Bedroom plus Den is a MUST SEE!! Situated on a Fabulous 8359 sq.ft. lot on a great Cul-de-sac! Lovely Sunken Living Room with high ceilings & attractive Fireplace! Open to the Dining Room - making it perfect for entertaining! Spacious Open Plan Kitchen with Lovely Eat-in Area .... overlooks Family Room! Bonus Den/Office on Main Floor! Upstairs: Spacious Master Retreat with Walk-in Closet and Recently upgraded Ensuite with Soaker Tub & Sep. Shower! 3 More Generous Sized Bedrooms Up! One makes a perfect Games Room! Lots of Upgrades inside & out! Roof, Gutters & Hot Water (1 yr), Newer Carpets on Stairs, Upper Hall & Games Room! This is a MUST SEE! BE FAST ON THIS ONE!!
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Far-Out Flooring

PhotoIs the ground beneath your feet looking a little (or a lot) worse for wear? Is it so outdated that stepping across the threshold feels like stepping back in time? Below are five unconventional flooring options you may not have considered for your home – but perhaps it's time you did!

Bamboo
Bamboo has recently been gaining traction as a viable flooring option. If you're unconvinced, or just unaware, consider this: bamboo floors offer the warm look of hardwood, are comparably priced, and equally low maintenance. Where bamboo differs from hardwood is durability. Harder than oak, a properly maintained bamboo floor can last a lifetime. As bamboo stands up well to traffic, and is stain, impact, and moisture resistant, it's a great choice for any room. What's more, bamboo floors are environmentally friendly as they're made from a highly renewable resource.

Carpet Tiles
Who hasn't wished they could just replace that one part of the carpet with the stain? Carpet tiles let you do exactly that, making them ideal for homes with children or pets. Highly versatile, you can also rotate them for more even wear, and customize your floors by using tiles of different colors and patterns to create borders and other designs. A great solution for small or irregularly shaped rooms where sizing traditional carpet is more difficult, carpet tiles are easy to install and easy on the budget.

Cork
Harvested from bark and made from materials leftover from the manufacturing of wine corks, cork floors are another green alternative. Easily cleaned and highly durable due to their elastic and moisture-resistant nature, cork floors perform well in high-traffic areas. With a honeycomb-like structure full of air, cork feels softer underfoot, is naturally insulating, and provides excellent shock and noise absorption, making it particularly well suited for condos, basements, and homes with children. Choose from a variety of colors and patterns, including those that look like marble or hardwood.

Recycled Glass Tile
Glass tile is just as tough as ceramic, and can be installed anywhere ceramic tile would be. It's less porous, however, meaning greater moisture and stain resistance, which is why it's most commonly used in kitchens and bathrooms. Offering a unique translucent look other tiles can't offer, recycled glass tiles are made from post-industrial and post-consumer glass that's been crushed and melted down; the result is tile that's even clearer than brand new glass, making for more bright, brilliant flooring, available in a variety of dazzling colors and finishes.

Rubber
Like cork, rubber is forgiving, feeling softer underfoot and absorbing impact; plus, it's anti-slip, making it a safer choice for children and older adults. Sound-dampening and designed for heavy wear, it's ideal for high-traffic areas; its non-porous surface is stain and moisture resistant, making it suitable for kitchens and bathrooms, too. Think it only comes in black and has treads? Think again! Rubber flooring comes in a wide selection of colors, textures, and patterns, including marble. Floors made from natural or recycled rubber provide an eco-friendly alternative to synthetic rubber.

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The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Real Estate Board of Greater Vancouver (REBGV), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the REBGV, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the REBGV, the FVREB or the CADREB.