Serving Halifax, Dartmouth and Area

4-Level Split For Sale in Portland Estates

Roz Prince — Sun, 30 May 2010 17:54:00 GMT

Sea of Green of Portland Valley

• 1,530 sq. ft., 2 bath, 4 bdrm 4-level split "Warm Family Home" - MLS® $254,900 - Live In Portland Estates

Portland Estates, Dartmouth - We’ve got it, sought after Portland Estates location with a great view from the backyard. Imagine cool summer nights entertaining friends on your back deck, overlooking the sea of green that covers Portland Valley. If you like observing the different stages of spring, you don’t have to look past your front yard. The gardens have been meticulously planned to explode with color in the spring and provide different colors all season long. If the evenings get too cool, relax in family room by the warm glow of the fire (with energy efficient insert). This is warm family home has plenty of room for kids and pets inside and out. Fully fenced backyard with shed for storage of those seasonal items as well as a garage to keep frost off the car in the winter. Walking distance to some of the best schools in the area.

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2 Story For Sale in Herring Cove

Roz Prince — Mon, 24 May 2010 10:22:00 GMT

Just off the Herring Cove Rd

• 1,770 sq. ft., 2 bath, 4 bdrm 2 story "Safe and secluded from traffic" - MLS® $194,900 - Well Cared For Home

Herring Cove, Halifax - Just move in. Here it is: A great place for the growing family. Quiet subdivision off Herring Cove Rd . Just minutes to all amenities, yet tucked away behind green trees and lush perennial gardens. This lovingly cared-for home has three main level bedrooms and a bright, modern bathroom on the main level plus bedroom number 4 and another fully updated bathroom downstairs. Whether you are preparing family meals in the bright spacious kitchen, or enjoying warm family moments in the rec-room, with walk-out to the backyard, this home is sure to please. Spend summers on your large deck while your children play in privacy, safe and secluded from traffic.

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Single Story For Sale in Herring Cove

Roz Prince — Fri, 21 May 2010 23:41:00 GMT

• single story - MLS® $194,900 - JUST MOVE IN!

Herring Cove, Halifax - Just move in. Here it is: A great place for the growing family. Just minutes to all amenities, yet tucked away behind green trees and lush perennial gardens. This lovingly cared-for home has three main level bedrooms and a bright, modern bathroom on the main level plus bedroom number 4 and another fully updated bathroom downstairs. Whether you are preparing family meals in the bright spacious kitchen, or enjoying warm family moments in the rec-room, with walk-out to the backyard, this home is sure to please. Spend summers on your large deck while your children play in privacy, safe and secluded from traffic.

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Price Reduced on 27 Government Wharf Rd in Eastern Passage

Roz Prince — Fri, 21 May 2010 12:51:00 GMT

Eastern Passage, Dartmouth - Announcing a price reduction on 27 Government Wharf Rd, a 1,536 sq. ft., 4 bath, 2 bdrm 2 story "Lots of opportunity". Now MLS® $414,900 - Live on Fisherman's Cove!.

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88 Beechcrest Dr in Waverley is Sold!

Roz Prince — Sat, 15 May 2010 19:09:00 GMT

Waverley, Halifax - The bi-level at 88 Beechcrest Dr has been sold.

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Price Reduced on 45 GREEN BAY DR in Cow Bay

Roz Prince — Wed, 12 May 2010 15:23:00 GMT

Cow Bay, Eastern Passage - Announcing a price reduction on 45 GREEN BAY DR, a 1,976 sq. ft., 2 bath, 3 bdrm bi-level "Country Type Setting". Now MLS® $269,900 - Close to beach & ocean.

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Super Price 5-83 Collins Grove in Dartmouth

Roz Prince — Wed, 05 May 2010 17:41:00 GMT

Dartmouth, Halifax County - Super Price 5-83 Collins Grove, a 1,500 sq. ft., 2 bath, 3 bdrm townhouse "Condominium". Now MLS® $156,900 - 3 Level Condo townhouse.

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6 Riverfront Rd in Mineville

Roz Prince — Mon, 03 May 2010 17:50:00 GMT

Mineville, Dartmouth - 6 Riverfront Rd, a 2,091 sq. ft., 3 bath, 4 bdrm bi-level "Beautifully arranged home MLS® $329,900 - Amazing Property and home.

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Unbeatable Price 2 Winterhill Road in Lower East Chezzetcook

Roz Prince — Fri, 30 Apr 2010 22:09:00 GMT

Lower East Chezzetcook, Halifax - Unbeatable Price 2 Winterhill Road, a 1,920 sq. ft., 2 bath, 2 bdrm bungalow "Open Concept Livingroom/Dining Area". Now MLS® $149,900 - View Ocean Inlet from Deck.

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Bi-Level For Sale in Upper Sackville

Roz Prince — Fri, 23 Apr 2010 20:06:00 GMT

Amazing Kitchen

• 1,090 sq. ft., 2 bath, 3 bdrm bi-level "No Carpeting, No Pets or Smoking Ever In House " - MLS®$299,900 - Gorgeous Home

Upper Sackville, Sackville

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4-Level Split For Sale in Portland Estates

Roz Prince — Fri, 23 Apr 2010 11:10:00 GMT

• 1,530 sq. ft., 2 bath, 4 bdrm 4-level split "Warm Family Home" - MLS® $265,000 - Live In Portland Estates

Portland Estates, Dartmouth

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2 Story For Sale in FISHERMAN'S COVE EASTERN PASSAGE

Roz Prince — Fri, 09 Apr 2010 23:06:00 GMT

36 Feet Dockside Area

• 1,536 sq. ft., 4 bath, 2 bdrm 2 story "Live By the Water" - MLS® $475,900 - Live On Fisherman's Cove

Eastern Passage, Dartmouth - Amazing opportunity! Fascinating property on Fisherman’s Cove, presently used as residential (grandfathered for this property only) but commercial zoning in place. Upper one bedroom plus den rented. Lower level with bachelor plus home office area. Lots of parking. Used as a residential property. Approximately 36’ of dock for your boats!

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Bungalow For Sale in Lower East Chezzetcook

Roz Prince — Thu, 01 Apr 2010 09:59:00 GMT

View Ocean Inlet from Deck

• 1,920 sq. ft., 2 bath, 2 bdrm bungalow "Open Concept Livingroom/Dining Area" - MLS® $159,900 - Unique Bungalow

Lower East Chezzetcook, Halifax

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2 Story For Sale in Lawrencetown

Roz Prince — Wed, 24 Mar 2010 21:46:00 GMT

Close to Lawrencetown Beach

• 2,352 sq. ft., 4 bath, 4 bdrm 2 story "2 Level Patio" - MLS® $279,900 - Exquisitely Finished

Lawrencetown, Dartmouth - Lovely quiet cul-de-sac just past Doherty Drive and Gammon Lake Estates; about 7 minutes from Cole Harbour. Close to an acre of property; features 37 feet on Westerly Brook at rear of property (this leads to the ocean). Exquisitely finished 4 bedroom home with 3 full baths and one powder room on main level, gorgeous trim throughout, one bedroom in-law suite in basement is fully contained with its own kitchen, laundry hookup, entrance and exterior storage area. Vaulted ceiling in master bedroom with its own stylish ensuite and large walk-in closet. Main floor laundry near kitchen. Open concept living/dining area, beautiful hardwood flooring, 2 level deck, upscale lighting, and huge exterior workshop (12x12 wired and finished). Driveway is possible from rear of property (#207) to give extra access to parking, to potential garage or easy access to in-law suite and/or separate parking. Close to Lawrencetown Beach and walking trails yet easy access to amenities in town.

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Price Reduced on 58 Sinclair St in Dartmouth

Roz Prince — Wed, 24 Mar 2010 18:37:00 GMT

Dartmouth, Halifax County - Announcing a price reduction on 58 Sinclair St, a 1,850 sq. ft., 2 bath, 4 bdrm bungalow "CHARM & CHARACTER - lots of hardwood!". Now MLS® $209,900 - Well Established Neighbou.

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Price Reduced on 312-79 Collins Grove in Nantucket

Roz Prince — Thu, 18 Mar 2010 17:35:00 GMT

Nantucket, Halifax - Announcing a price reduction on 312-79 Collins Grove, a 744 sq. ft., 1 bath, 2 bdrm apartment "Apartment Style Condo". Now MLS® $119,900 - Absolutely Immaculate.

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Price Reduced on 58 Sinclair St in Dartmouth

Roz Prince — Mon, 08 Mar 2010 19:20:00 GMT

Dartmouth, Halifax County - Announcing a price reduction on 58 Sinclair St, a 1,850 sq. ft., 2 bath, 4 bdrm bungalow "CHARM & CHARACTER - lots of hardwood!". Now MLS® $219,900 - Well Established Neighbou.

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Apartment Style Condo For Sale in Woodlawn

Roz Prince — Thu, 18 Feb 2010 16:45:00 GMT

Popular Woodlawn Area

• 744 sq. ft., 1 bath, 2 bdrm apartment "Apartment Style Condo" - MLS® $123,900 - Absolutely Immaculate

Woodlawn, Dartmouth

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Price Reduced on 121 Greenough Dr in Porters Lake

Roz Prince — Tue, 09 Feb 2010 13:44:00 GMT

Porters Lake, Halifax - Announcing a price reduction on 121 Greenough Dr, a lot / land "Residential building lot". Now MLS® $44,900 - Over an acre of land.

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Dartmouth Bungalow - view of Lake Banook

Roz Prince — Fri, 18 Dec 2009 13:36:00 GMT

Well Established Neighbourhood

• 1,850 sq. ft., 2 bath, 4 bdrm bungalow "CHARM & CHARACTER - lots of hardwood!" - MLS® $219,900 - $5000 Credit On Closing

Dartmouth, Halifax County

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Lot / Land For Sale in Porters Lake

Roz Prince — Tue, 23 Jun 2009 16:35:00 GMT

Lovely water views of Porter's Lake

• lot / land "Residential building lot" - MLS® $49,900 - Over an acre of land

Porters Lake, Halifax

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Another Year Ending

Roz Prince — Thu, 01 Jan 2009 23:11:00 GMT

As we almost come to the end of another we are entering an unknown marketplace. The market in 2009 was not as bad as the media tends to present it to the public. One has to keep in mind that every city has their own marketplace and even within that city each smaller community/subdivision has its own markerplace then one can even minimize that tiny market into indiviual streets. There are areas in HRM which have particular streets that sell better than others.

It is difficult to predict what will happen in the upcoming year. I expect the first 3 months of the new year to be a good indicator of what is to come. January is traditionally slower due to weather. People take a few weeks to recover from their holidays in December and adjust to the kids getting back to school etc. What I do in the first few months is start to acquire buyers for the next 4-6 months. We have some great stabilizers in our economy here one being the military. There are over 100,000 people either working in the military or with the military in HRM. This certainly helps create some stability. We also have a number of universities as well as other types of businesses and institutions that aid our economy here in HRM. I started selling in 1984 and truly only have experienced what I would call a hot market for sellers in the last 5 years. That has now changed and buyers are certainly going to be quite careful in how they approach buying property right now. They may try to negotiate harder than they have in the past few years due to uncertainty in the marketplace.

It shall be interesting to see what happens as the year progresses. I expect there shall be a reduction in the number of agents in the city as there are many who are having a hard time making a living. Real estate is not easy as many people seem to think it is. It is a very demanding business that requires years of hard work to become successful and actually survive long term. It isn't just showing houses and having a good time meeting people. There are many aspects to it which require years of experience to become proficient. I shall talk more about that as time moves on.

Sincerely,

Roz

Life and Disability Insurances on Mortgages

Roz Prince — Thu, 01 Mar 2007 12:59:00 GMT

Life and Disability insurances on Mortgages seem like bad words to most people...They definitely should not be...Yes...your banker or broker is selling you this for a couple of reasons...Of course they may earn a small bonus for doing so and the bank or lender is making money off it however there is something much more important that the clients need to be considering...

The most important thing to think about with this is your ongoing ability to ensure your family is taken care of...If you pass away then the mortgage is paid in full and with disability insurance the payments are paid when you are ill and cannot work...

I hear too often clients reply that " they get the insurance at work" meaning they have some amount of life insurance and disability insurance...The fact is...the majority of people do not know how much of either they have...

I am not trying to get you to automatically take whatever your banker or broker offers...what this would do is inform you that you will need to review your needs with a Financial Planner...

Mostly employers offer small amounts of Life Insurance...and you are able to review this and possibly increase it by your mortgage amount for a similar amount to what your bank is offering...make sure you review this...Banks offer the insurance and it is easy to approve and in place instantly...with other forms it may take months to get an approval...so consider all forms to see what fits your needs best. And is the most cost effective...

Disability insurance is even more difficult to discuss with clients...they never think they will need it and always assume their employer will look after this...however I hear it too often where someone is behind in their payments because they are off work for some reason...Most employers have a small percentage of your income covered...you can top this up with Mortgage Disability insurance to make sure you have the needed coverage...remember just because you may be sick...the bank is not going to let you not pay your mortgage payments...

Yes...they may cost...however they will ensure peace of mind if you are ever in a situation that needs either one...

For example...my very good friend passed away years ago at the age of 28, from an aneurysm...on his first wedding anniversary...and had an 8 week old daughter...I am sure he did not expect this...however he had good life insurance coverage and all his debts were paid off plus his widow had money to live on while she got her life back together...these things happen when you least expect them...and that's what insurance is for...so review your needs...

I am sure we can all think of someone that has been in a similar situation so review your needs...

C.E. (Chuck) Barrington BBA AMP

Mortgage Specialist

BMO Bank of Montreal

www.chuckbarrington.com

The Canadian Monetary Policy

Roz Prince — Fri, 16 Feb 2007 13:19:00 GMT

The ultimate aim of Canadian monetary policy is to help our economy achieve its maximum sustainable growth, and thus contribute to rising living standards for Canadians. The best way for the Bank of Canada to achieve this objective, is by working toward a specific, concrete goal—that of keeping inflation low, stable, and predictable.

Inflation control contributes to better economic performance in many ways. First, low and stable inflation allows people to read price signals clearly, which in turn help both individuals and companies to make sound, long-term economic decisions. So that's one advantage of inflation control—greater certainty about the future value of money.

Keeping inflation low and stable gives people confidence—confidence in the future value of their money, confidence in their financial decisions, and confidence in the ability of the economy to withstand shocks and grow in a sustainable fashion.

Interest rates are important to all Canadians. And, with inflation being low and stable, both short- and long-term interest rates have been lower and less volatile than in the past. As a result, borrowing and investment decisions can now be made with greater certainty. And interestingly, in contrast to what might have been deemed possible just a decade ago, interest rates in Canada are currently lower—and long-term rates have become more stable—than they are in the United States.

The good news is, this trend is predicted to continue into late 2008, so the time is great to get out of the rental or move into your dream home, mortgage money is inexpensive and house prices are continuing to exceed the rate of inflation.

Chuck Barrington
Bank of Montreal

Mortgage Specialist
Phone: 902-452-1374
chuck.barrington@bmo.com

Home Buyers Corner: Pre-Approved Financing

Roz Prince — Fri, 02 Feb 2007 13:21:00 GMT

Chuck Barrington is a long time employee of BMO Bank of Montreal, and has worked with Roz for years. He will help customize a mortgage solution based on your individual needs and financial goals. He also knows a lot about new construction.

I have been hearing more and more Realtors complain these days about clients not obtaining financing once Purchase and Sale agreements are signed...this is unacceptable...

This information seems to be coming to light after a listing agent asks a selling agent if their client is "Pre-Approved" prior to writing an offer...it appears that some Mortgage Broker companies and banks are talking to potential clients about pre-approved mortgages, however they are not completing mortgage applications to the extent they should be.

What some of them do is take the clients information...and not obtain a "Credit Bureau" until the client actually presents a Purchase and Sale Agreement. I have to say I have never...ever been in this situation...If I have stated a client is pre-approved...then I have taken their information...received their income confirmation and identification and completed a credit bureau to ensure the only thing needed when a Purchase and Sale agreement is received is to approve the home...it's simple to say that this is normally automatic...

Make sure that you are dealing with an experienced mortgage specialist...one that actually gives a pre-approval that cannot be reversed once a home is found...this can be very embarrassing for all...the selling Realtor...the listing Realtor and of course the clients...not to mention all the work the Realtors have completed putting the deal together...

Can you imagine the way the current home owner feels after they thought their home had been sold only to find out the potential buyer did not qualify in the first place.

Chuck.Barrington@bmo.com