• 1,536 sq. ft., 2 bath, 4 bdrm bi-level "Split Entry" - 
MLS® $169,900
Eastern Passage, Dartmouth - Fabulous crescent with kids’ park down the street and school close by in Heritage Hills Subdivision-Eastern Passage. Really nice level lot is completely fenced with pond and storage, shed, large paved driveway. 5 appliances are included, vaulted ceilings on main level with skylight, oak hardwood and dark rich looking laminate, propane fireplace in living room, oak kitchen with appliance garage and pantry. Near Shearwater, buses and amenities. Assumable mortgage 4 years left at 5.09% thru BMO.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, eastern passage, eastern passage home for sale, split entry, vaulted ceiling, fenced yard, heritage hills, heritage hills subdivision, shearwater, school, pond, crescent, kids park, oak hardwood, skylight
• 1,915 sq. ft., 3 bath, 4 bdrm bi-level "Split Entry" - MLS® $192,900
Delmac Park, Dartmouth - Immaculately kept home in Delmac Park near French School (Ecole Carrefour). Very attractive backyard with newer deck, propane fireplace in living room, roof approx. 6 years old, fabulous layout with a 2 piece ensuite! Eat-in kitchen with 3 appliances, washer/dryer remain. 4 bedrooms, huge family room, utility room, walkout basement, double paved driveway, vinyl exterior. Owner lived here for 22 years.
Inclusions: Fridge, stove, washer, dryer, portable dishwasher, propane fireplace.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, house for sale, dartmouth real estate, dartmouth house for sale, dartmouth home for sale, home for sale, split entry, ecole carrefour, delmac park, french school
• 1,708 sq. ft., 2 bath, 3 bdrm bungalow - MLS® $189,900
Woodlawn, Dartmouth - Woodlawn bungalow with garage on very quiet street conveniently located near bus route, schools and shopping. This home has newer vinyl windows throughout, 25 year roof shingles installed in 1992. Original owners. Vinyl exterior. This home has a very nice layout and features one and one half baths and fourth bedroom, family room plus storage in basement. This home will require flooring, paint, bathroom and kitchen updates.
Inclusions: Fridge, stove, dishwasher, washer, dryer, freezer, all window coverings.
Property information
Filed under: Real Estate, For Sale, roz prince, dartmouth, sutton group, house for sale, bungalow, dartmouth real estate, bungalow for sale, woodlawn, houses for sale
• 2,023 sq. ft., 3 bath, 4 bdrm 2 story - MLS® $329,900
Forest Hills, Dartmouth - Incredible 2 storey with 18x24 detached garage with loft storage and extra deep lot! 3 bedrooms up plus nursery or office. Spacious main floor, living with convenient side entrance, french doors to a huge patio, formal dining and main floor family room, lots of chocolate ash hardwood, propane fireplace, huge paved driveway, in-law potential with walk-out basement. Shows extremely well. Original owners.
Inclusions: Dishwasher, security system, blinds, water softener/RO system, central vac attachments, stove in kitchen, 18x24 heated finished garage with loft storage (wired for 240).
Property information
Filed under: Real Estate, For Sale, roz prince, dartmouth, sutton group, forest hills real estate, forest hills, forest hills house for sale, forest hills home for sale, 2 storey, detached garage, deep lot, in-law suite potential
• 1,900 sq. ft., 2 bath, 3 +1 bdrm bi-level "Split Entry" - MLS® $279,900
Dartmouth, Halifax County - Beautifully updated Dartmouth home in prime location near buses, canoe clubs on Lake Banook, ferry, bridges, Mic Mac Mall, etc. Gorgeous white eat-in kitchen, ash floors in living/dining/hall, fireplace, oil gravity fed stove in family room, 2 bathrooms, charming gardens and mature neighbourhood, lots of vinyl windows, roof shingles replaced 1997, 4 bedrooms, office area, furnace, storage room, laundry. Truly an impeccable home in a fine neighbourhood!
Inclusions: Dishwasher, microwave/rangehood, central vac & attachments, garburator, security system, gravity fed oil stove, garage door opener.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, dartmouth real estate, real estate dartmouth, dartmouth house for sale, dartmouth home for sale, split entry, mic mac mall, lake banook
In-law suite with walkout and laundry!
• 2,352 sq. ft., 4 bath, 4 bdrm 2 story - MLS® $279,900
Lawrencetown, Halifax - Gorgeous 2 storey with fabulous new 1 bedroom in-law suite with its own walkout and laundry hookup. 3/4+ acre lot on Westerly Brook eventually leading to ocean. Cul-de-sac. Ceramic and hardwood on 2 upper levels, beautiful trim, ash floors, 12x12 finished work shed with storage underneath for in-law suite if needed. Multi-level patios, charming original old stone wall on property. Master with vaulted ceiling and ensuite with separate shower and soaker tub. 10 year Lux New Home Warranty.
Inclusions: Dishwasher, 12x12 wired and finished interior workshop/shed, multi-level patios, blinds.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, lawrencetown home for sale, lawrencetown house for sale, lawrencetown, new home for sale, new construction for sale, for sale in lawrencetown, for sale lawrencetown, new home lawrencetown, in-law suite, westerly brook, cul-de-sac, new home warrenty
In an exceptional neighbourhood
• 1,214 sq. ft., 2 bath, 3 bdrm bungalow - MLS® $169,900 - Sweet and charming
Colby Village, Dartmouth - Sweet and charming bungalow with vinyl windows, newer roof shingles, new doors, newer deck in an exceptional neighbourhood known for its community spirit and schools. Kids go to (walk) Astral Drive Elementary and Junior High, easy drive to Shearwater, beautiful hardwood floors on upper level, 3 piece bath down, laundry area, family room is huge - just needs flooring. Level lot, fireplace, shed.
Inclusions: Shed, dishwasher, fireplace and screen.
Property information
Filed under: Real Estate, For Sale, roz prince, dartmouth, sutton group, bungalow, dartmouth home for sale, homes for sale, bungalow for sale, colby village homes, colby village house for sale, hardwood floors, astral drive, 3 bedroom, shearwater, fireplace, shed
• 2,009 sq. ft., 3 bath, 3 bdrm 2 story - MLS® $269,900
Lancaster Ridge, Dartmouth - Young, 2 storey with single garage in Lancaster Ridge near Dartmouth Crossing, Mic Mac, Bridges - super convenient Dartmouth location. Extra large lot, in-floor radiant oil heat. 2 Level patio 20+ feet long at rear. Walkout basement, finished with huge family room, 3 piece bath and storage. Gorgeous hardwood on main level, stairway. Master bedroom with walk-in closet plus his/hers. Open concept kitchen/dining.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, dartmouth real estate, dartmouth house for sale, dartmouth home for sale, 2 storey, lancaster ridge, lancaster ridge homes for sale, lancaster ridge homes, lancaster ridge house, mic mac mall, dartmouth crossing
The Inn at Fisherman’s Cove
• 2,950 sq. ft., 8 bath, 8 bdrm commercial "Commercial Retail, Motel/Hotel, Marina/Resort" - MLS® $424,900
Eastern Passage, Dartmouth - Visit online: http://www.theinnatfishermanscove.com
Here is your chance to be the Keeper of the Inn! ‘The Inn at Fisherman’s Cove’ provides a rare opportunity to be part of a vibrant, colourful community next to the sea! The Inn is a unique business operating in the heart of a restored 200+ year old fishing village. This 3 level heritage-style inn has become a landmark within Eastern Passage with a growing repeat clientelle. Located within the boundaries of Halifax, guests are well situated to enjoy their Maritime experience. Guests can find accommodation in one of the 8 rooms with private 4pc bath - 4 have balconies facing the village and the waterways. Guests can enjoy breakfast from the main level dining area that opens to the patio and private 50` dock. The Keeper of The Inn can retire to a private suite with full kitchen and sitting area. Laundry facility on-site. Spacious lobby area and private entrance for registered guests. (Also includes PID # 40001018) Assessment: $198,700 (Commercial); $112,100 (residential).
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, eastern passage, eastern passage real estate, home for sale dartmouth, commercial real estate, marina, inn for sale, the inn at fishermans cove, buy an inn, inn
Lot 13
• lot / land - MLS® $39,900
Lawrencetown, Dartmouth - Excellent building lot in established area of Lawrencetown only minutes from Cole Harbour, beaches and excellent walking and riding trails. Will require a well and septic. Just less than 1/2 an acre. Lawrencetown Road to Sonia on right to Cathy Court.
Property information
Near beaches!
• lot / land - MLS® $39,500
Lawrencetown, Halifax - 22,661 sq. ft. (approx. 1/2 acre) established neighbourhood in Lawrencetown near beaches and great walking as well as riding trails. About 10 minutes from Cole Harbour. Sign on lot so have a drive by.
Property information
Filed under: Real Estate, For Sale, roz prince, sutton group, lot for sale, land for sale, lot of land, lawrencetown lot, land for sale in lawrencetown, lawrencetown land, property for sale
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
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
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 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.
When looking for a Mortgage Specialist or Broker make sure the individual has experience...those with many years experience have the expertise to make sure you get the mortgage of your needs...also a mortgage specialist should also be someone to look at all your financial needs...not just your mortgage...they need to know your future needs...and with the overall banking experience of a mortgage specialist they will be able to show you ways to lessen your overall interest costs of holding a mortgage...or any other financial product.
Other helpful hints:
· Are you considering moving before your mortgage matures...this will save on penalties in choosing fixed or open mortgages...
· Do you need to be referred to other quality financial services employees...for banking accounts, lines of credit, auto loans, RRSP's or other investments.
· Are they looking at building a long term relationship or just brokering one mortgage.
· Are they available to discuss your needs after the mortgage closes? Or do you have to call a toll free number to talk to someone you do not know.
· Are they thinking of your needs in the long term...
Many of these hints above are very useful in finding a mortgage specialist/broker that is looking out for you...not the bank or mortgage company and certainly not just to earn a commission. They should be someone you feel comfortable with...and hope to keep a successful long term relationship with.
Chuck.Barrington@bmo.com
http://www.nsmortgagespecialist.ca