Svea Hahn, Remax Pembroke Realty Ltd...
Svea Hahn
Helping You Buy and Sell Real Estate in Pembroke, Petawawa and Area

SVEA HAHN at Remax Pembroke Realty Ltd., Brokerage...613 732-3601


Sales Representative

   REAL ESTATE SERVICES in PEMBROKE, PETAWAWA, AND AREA....

    Petawawa, Pembroke, Chalk River, Deep River, Eganville, Round Lake, Beachburg,Westmeath and ..... everywhere in between


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.

Lawyer
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.

Contractor
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.

 
Required
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:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  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
Paul Sandler joins Montecito Medical Acquisition & Development Company2/12/2012 11:08 AM
Montecito Medical Acquisition & Development Company (MMAC), a leading medical related real estate company, announced today that Paul Sandler has joined the company as Chief Financial Officer.
Global real-estate markets continue promising trend2/12/2012 11:37 AM
While economic uncertainty still affects the main commercial real-estate centres around the world, global real-estate markets are showing steady improvements, according to Jones Lang LaSalle's new suite of global forecasting reports.
Two ways couples can own real estate together2/12/2012 12:08 PM
Question: My (then) fiance and I bought a house a couple of years ago with both names on the deed and mortgage. The paperwork specifically lists us as single persons. We each pay 50 percent of all payments and fees. We were married six months ago. Neither of us has changed our legal names.
Toronto real estate: Why home is where the hurt is2/11/2012 11:28 PM
Toronto real estate market sparks blog of frustrated home-seekers locked out of the market and confused by an industry that speaks in code. Here’s why it’s so hard to afford a home in Toronto’s sizzling housing market.
Howard Lutnick's next reinvention: real estate2/12/2012 5:23 AM
The Wall Streeter who transformed bond biz has plans for brokerage Newmark Knight Frank.
Southwest Florida real estate briefs2/12/2012 3:00 AM
Ottenstein presenting 2 lectures
Learn the real estate lingo, get suggestions at websites2/12/2012 4:38 AM
Real estate is no easy game, as "underwater" homeowners have found in recent years. You need your wits about you, and these sites help you do that with plain language and suggestions.
Upcoming real estate events2/12/2012 3:50 AM
Short sale seminar: Is it for me? Come with your questions to a free seminar and learn about what a short sale is and the different alternatives available. Explore your options with a professional resource panel. Mark your calendar for 6:30-8 p. Feb. Livonia Public Library, 32777 Five Mile Rd. Call Sheila Roma at 248-760-6785 or Debbi McLaughlin at 248-561-0077 to reserve a spot by Feb ...
Real Estate Notes2/11/2012 11:00 PM
News, transactions and personnel moves in the industry. Also, real estate deals of the week and top prices for for recent home and condominium sales.
Website Winners: Navigating Housing Industry2/12/2012 5:46 AM
Real estate is no easy game, as "underwater" homeowners have found in recent years. You need your wits about you, and these sites help you do that with plain language and suggestions.


 


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