Homebuyers: How to Save Thousands of Dollars When You Buy

If you're like most homebuyers, you have two primary considerations in mind when you start looking for a home. First, you want to find the home that perfectly meets your needs and desires, and secondly, you want to purchase this home for the lowest possible price.

When you analyse those successful home buyers who have the experience to purchase the home they want for thousands of dollars below a seller's asking price, some common denominators emerge. Negotiating skills are important, but there are three additional key factors that must come into play long before you ever submit an offer.

This topic has been the subject of extensive analysis by industry experts, and a summary of their findings, and a specific step-by-step purchase plan for homebuyers, can be found in a new special report called "Homebuyers: How to Save Thousands of Dollars When You Buy".

This FREE report outlines the psychology of how a seller sets their asking price, and gives you 3 simple steps to follow, before you even set foot in a seller's home, which will ensure you are able to successfully slash thousands of dollars off the price of the home you want.

Order this report NOW to find out how you can save thousands of dollars when you buy a home.     www.BuyerTipsOnline.com

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 Leo and Angelika Rosato 613-720-4888

Prices, Rates Climb

Gary Marr, National Post

Bidding wars and higher interest costs have led to the inevitable -- an increase in the cost of owning a home for the first time in five quarters, says a new index produced by Royal Bank of Canada.

The bank says home-ownership costs are up, something that has not happened since the spring of 2008. Despite the increase, costs are still off the peak of this housing cycle.

Royal Bank says 45.8% of pre-tax household income was needed to service the cost of owning a standard detached home in the third quarter of this year. That was up 1.2 percentage points from a quarter ago but well off the high of 52.3% hit in spring 2008. The record high was 57.1%, reached in the second quarter of 1990.

"Home affordability has deteriorated in all provinces and major markets in Canada due to a slight rise in key mortgage rates and appreciation in property values," said Robert Hogue, senior economist at Royal Bank.

Figures released this month from the Canadian Real Estate Association, which represents 100 boards across the country, show the trend of escalating prices is not slowing down. The Ottawa-based group said existing home prices were up 20.7% last month from October, 2008, the largest year-over-year increase in 20 years.

Those price increases have come as interest rates have also started to rise. Mr. Hogue said the 5.4% posted rate for a five-year closed mortgage, reached in the second quarter, was the lowest since Royal Bank started doing the study in 1985. Rates climbed to 5.73% in the third quarter for a five-year closed mortgage. The posted rate is generally at least one percentage point higher than what consumers can get on a discounted basis.

Prices have also been hit by supply shortages. New listings last month in the country's 25 largest markets were off 16% from a year ago. New-home construction is on the rise but has not been able to respond fast enough to meet demand.

Phil Soper, chief executive of Royal LePage Real Estate Services, expects the supply-side problem to improve in the spring, a time more families consider selling to coincide with the end of the school year. "It's a much more common time for people to list their homes than this time of year," said Mr. Soper. "I suspect the supply-side of this problem will ease considerably."

 Home Buyers: Free list of Hot New Listings www.IdealPropertySearch.com

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Leo and Angelika Rosato 613-720-4888

Buying Real Estate

Beat Other Buyers to HOT NEW LISTINGS  www.IdealPropertySearch.com

(NC)—Developed in partnership with Canada's residential construction industry, R-2000 is an initiative of Natural Resources Canada's Office of Energy Efficiency. It aims to promote the use of cost-effective, energy-efficient building practices and technologies.

Since being introduced more than 25 years ago, the R-2000 standard has set the benchmark for homebuilding in Canada. The standard is currently being upgraded to include new technologies as they become established in the marketplace.

Some of the benefits of an R-2000 home include:

Quality – An R-2000 home delivers quality you can trust. It is a system for building and certifying new homes to a higher energy efficiency standard, well beyond what building codes require. With R-2000, energy efficiency and construction quality go hand in hand.

Comfort and Health - R-2000 homes are great to live in. Fresh indoor air, even temperatures, few moisture problems and the use of environmentally-responsible materials mean year-round comfort.

Peace of mind - R-2000 homes go through the most demanding quality assurance process in the industry. Only trained and licensed builders can build them. And every R-2000 home is subject to independent inspections and tests that conventional homes don't receive. The R-2000 certificate is your proof.

Energy savings – An R-2000 home stretches your heating dollars. The secret? – energy efficiency that's "designed in," not "added on."

State-of-the-art technology - R-2000 homes are the result of 25 years of intensive research and development by the Government of Canada and its industry partners. Home buyers get tried and tested technology, a higher-quality new home and lasting value for the future.

Protecting the environment – Homes such as R-2000 homes lead the way in environmental responsibility. Using a wide range of environmentally-improved materials and building techniques helps keep Canada's environment healthy. And it reduces demands on our natural resources. R-2000 homeowners get a better new home and help protect our environment for future generations.

Check out the whole R-2000 story at www.r-2000.nrcan.gc.ca or call 1-800-387-2000 to order publications.

*R-2000 is an official mark of Natural Resources Canada

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How much is your Home Worth?  www.OttawaSouthHomeEvaluation.com

 ANYONE CONTEMPLATING BUYING A HOME SOON SHOULD VIEW A FREE SEMINAR OFFERING UNIQUE ADVICE FOR SAVING MONEY AND FINDING THE RIGHT HOME AT THE RIGHT PRICE, TERMS AND FINANCING.  THE 30 MINUTE PRESENTATION BY LEO AND ANGELIKA ROSATO, WITH OVER 30 YEARS EXPERTISE IN REAL ESTATE.

LEO AND ANGELIKA ROSATO WILL COVER SUCH TOPICS AS: HOW TO BUY MORE HOME THAN YOU EVER THOUGHT POSSIBLE USING LITTLE KNOWN HOME SEARCH AND FINANCING TECHNIQUES, HOW TO PUT A PROFESSIONAL REALTOR TO WORK FOR YOU AT ABSOLUTELY NO COST TO YOU, HOW TO AVOID BUYER TRAPS AND NEGOTIATE THE BEST DEAL POSSIBLE, HOW TO LOWER CLOSING COSTS AND MUCH MORE.  HE EVEN SHOWS HOW RENTERS CAN OWN A HOME, EVEN WITH “MARGINAL” CREDIT.

LEO AND ANGELIKA ROSATO ARE PROVIDING THESE SEMINAR ONLINE 24 HOURS A DAY, 7 DAYS A WEEK TO ACCESS AT THE CONVENIENCE OF TODAY’S BUSY CONSUMER.  “WE WANT PEOPLE TO FEEL COMFORTABLE TO OBTAIN VALUABLE KNOWLEDGE AND TOOLS”.  YOU CAN RECEIVE A FREE COPY OF THIS BUYER SEMINAR BY VISITING WWW.SMARTHOMEBUYER.INFO .