Most Common Mistakes First-time Home Buyers Make

Most Common Mistakes First-time Home Buyers Make

Buying your first home is exciting and fulfilling. But it is also exhausting. You have to deal with stuff you didn’t even know existed before, and you are under constant pressure. First-time home buyers usually find themselves hating the process and dreading this experience instead of loving it. But there are certified specialists that can help you finding the house of your dreams, like the real estate agents. And there are also experts that will make sure you afford it, like the the Kelowna mortgage advisors at Rampone-Marsh. Having a team of experts working on finding the best house for you is reassuring and can ease your burden a lot. But there are still choices you have to make and, unfortunately, first-time home buyers in Canada (or anywhere else for that matter) tend to overlook important aspects, leading to big mistakes that can cost you money, time and energy. So here are the most common mistakes home buyers make.

Failing to inspect the house

shinglesIf you look at the house, it doesn’t count as an inspection. You need to hire certified professionals that can check the major components of the house and offer you an estimate of the remaining lifetime for those. Besides saving you from significant repairing costs in the future, a home inspection will also let you know if there are mold, asbestos or parasite problems so that you have all the information before making the purchase.

Not thinking about the closing costs

Besides the cost of the purchase, there will be additional expenses. The lawyer fees, your agent’s commission, moving costs and transfer taxes are just some of the closing costs that can emerge. The best way of dealing with them is to be prepared. Usually, the closing costs will vary between 1.5% and 4%. Put some money aside for those costs, somewhere around 4% of the price of the house. If it turns out that the closing costs for your dream house are smaller, you will have some remaining money to spend on furniture or even a vacation, so it’s a win-win situation.

Not taking the future into consideration

A house is a big investment, and you shouldn’t commit to it until you know all the facts. Sure, a particular house may look fantastic right now, but it won’t look so good two years from now when a skyscraper in front of it will block your view. Find out the development plans for the area, discover the zoning laws and get informed about the evolution of the market value in that neighborhood. Make sure you have all the facts before you purchase the house.

Not considering the mortgage qualification or the down payment

Mortgage Brokers
You may think you afford certain costs, but it could happen that the bank doesn’t share your opinion. Placing an offer on a house before you get a pre-approved loan is the worst mistake you can make. Also, not shopping around for different mortgage offers and not researching your down payment options are serious mistakes. The point is not to rush into a purchase, or you may end up regretting it later. Employ the services of Kelowna mortgage brokers and let them find the best options for you.

If you want to avoid the typical first-time home buyers mistakes, pay attention to all the facts mentioned above. To find out more about your mortgage options and first-time home buyers plans in Canada, contact us. We will make sure that you get the best deal for your Kelowna home.

Rampone-Marsh Mortgages
1290 St. Paul St. #316
Kelowna, BC
V1Y 2C9
(778) 760-2844

The Single Best Strategy to Use for Buying a Luxury House

The Single Best Strategy to Use for Buying a Luxury House

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Finding the Best Realtor

Finding the Best Realtor

With its fantastic landscape, surprising tourist attractions and excellent investment opportunities, Kelowna has become an ideal place for living or establishing a business. This incredible place has a lot to offer and deciding to move here can be a splendid idea. The problem is that the real estate world can be very tough and, if you don’t have the right agent, you can find yourself lost in this world of numbers, paperwork and too many choices. Fortunately for you, we have created a short list with tips for choosing the best realtor, based on research and experience.

  1. Word-of-mouth can be an excellent way to decide
    homeIf you have multiple realtors in mind, then look at their portfolio. Track down their clients and talk to them. Find out what each client has to say about the agent they’ve worked with. You can also ask the realtor to provide you with a list and contact information so that you simplify the whole process. Ask their clients about the prices, the amount of time their property was on the market, etc. This way you should get some idea about the realtor professional and personal skills and decide if you want to continue with him or her.
  2. Ask for their license
    You have the right to this information about the people you are working with. Firstly, find out if the realtor is licensed. If he or she isn’t, needless to say that you should stop working with them. If they are, then you can ask the state’s regulatory body to find out if there had been any complaints or actions against your realtor. If there haven’t then, it’s safe to work with them.
  3. Winner for winners
    Why choose a regular realtor if you can select one with a prestigious award? Like in any other profession, in real estate there are awards offered to exceptional agents. If your real estate agent possesses an award, it means that they benefit from the endorsement of their peers. This mean that specialized people believe this person to be exceptionally good at what he or she does.
  4. Check their current listings
    You can find those on the realtor’s website. The website itself and the way the real estate agent present himself or herself are indicators of his or her professionalism. Their listings are indicators of how much business they get going, what kind of properties they can sell, the price range, and their business profile. You can learn a lot from realtors listings, and you can also get to see if you are an important client to them or just a number.
  5. Research their educational background
    You may think their education is not so relevant, but it can actually tell you a lot about the person you are working with. For instance, if they’ve been to an Ivy League College, you can deduct that this person is performance oriented and strives for excellence. If they have studied business or marketing, it means that they know extra tips in order to help you get the best deal. Also, if they have psychology knowledge, you can be certain that he or she knows how to work with people and is very reliable.
  6. Local agents make the best professionals
    If you want to buy or sell property in Kelowna, for example, make sure that your agent has spent most of their life there. It is vital to have somebody who knows the local market like the back of their hands. They know the tips and tricks that can save you time, money, and energy. They also know how to talk to local authorities, and they know what suits you the best because they’ve spent their lives analyzing the region.
  7. Great achievements mean excellence
    Ok, so receiving a realtor award is an outstanding achievement and a great way to tell you’re working with a professional. But personal achievements also play a significant role because they tell you that your real estate agent is in the quest for excellence and has a competitive nature. By wanting to be the best, your realtor will fight to get you the best deal just because they seek perfection. That’s somebody you want to work with!

As it happens, in Kelowna, you can find excellent realtors at Century 21. Some of the best agents in the country can be found buying and selling real estate in West Kelowna. Next time you want to list your home of find a home to buy, contact the agents at Century 21 for help.

Our Best Advice For Dealing with ICBC After An Auto Accident

Our Best Advice For Dealing with ICBC After An Auto Accident

options after an accidentIt is an unfortunate fact of life that accidents will happen, and where road accidents are concerned it is not only damage to your vehicle that can be a problem; personal injury can also result from even the slightest of accidents, and it helps to understand the best course of action should you be a victim. There are certain steps you should follow in order to make sure you get the best service from your insurance company, and in this area you need to get in touch, as quickly as possible, with an ICBC-experienced injury lawyer in Vancouver. Let’s have a closer look at what you need to do in the event of a road traffic accident, whether you are injured or not.

At the Scene

Being involved in a road accident can be a traumatic event, and this may lead to mistakes being made in the immediate aftermath. It is vital that you keep calm and deal with things in an orderly fashion. The first thing you should do, in the event of any accident, is call 911 and request that the police attend the accident site. They will document the scene and take statements. For this reason, you should not move the vehicles involved if at all possible until a police officer has taken note of the situation. Furthermore, if there are obvious injuries to persons involved – no matter how slight – these should be reported to the 911 operator, who will send paramedics if they are deemed necessary. Once you have involved the emergency services, you need to follow the next step.

Statements of Fact

The primary rule of thumb is this: never admit to the accident being your fault, even if you thought it was. You need to call a personal injury attorney to handle your case before you get into the process of asserting who was to blame for the accident. The lawyer will advise you of the correct course of action to take. These lawyers have plenty of experience in dealing with personal injury and road accidents, and understand the nuances of the law. If there are witnesses, ask them – or get the police to ask them – for statements, but on no account admit that you were in any way responsible, no matter what the witness statements may infer. You also need to make sure you have full contact details for the other drivers involved in the accident; full names and addresses, vehicle licence plates, driver’s license details and contact details, as well as the name of their insurer, will help sort things out as quickly as possible.

Dealing with ICBC

The above paragraph leads us to this: you need a lawyer that knows how to deal with the big insurance companies such as ICBC in British Columbia, Canada to handle your dealings effectively. The insurance policy you take out to cover your vehicle and yourself in the event of an accident is a legal requirement, and it is also there to help you. However, you will need to convince the insurance company that you have a legitimate claim. This may not be as easy as it sounds, and an experienced lawyer will be essential to your success in making a claim. Never overlook the necessity to call a lawyer; it should be the first thing you do upon arriving home from the scene of the accident. If you are injured and unable to make the call, get someone else to do it for you as soon as possible.

It really cannot be stressed strongly enough how important it is that you contact an experienced lawyer to handle the case. The law can be a complex issue, even in the simplest of cases, and having a lawyer on hand to deal with things makes it much easier for you, the injured party, and also enhances the chances of a claim being successful. Call the lawyer as soon as you can and arrange an appointment to discuss the claim in detail.

The video below examines dealings with ICBC further for increased awareness on the topic:

In Conclusion

It is never a pleasant experience to endure an accident, and even less so when injuries are involved. This is further reason to make sure you have a successful car accident lawyer on your case. With expert help you will find the process much less traumatic than it could be, and things will be brought to a satisfactory conclusion as quickly and as painlessly as possible. Remember the key facts: don’t admit blame, gather all the details possible – including those of the police officers attending the scene – and, most important of all, call a lawyer. Follow these simple rules, and deal with the immediate aftermath in a calm and concentrated manner, and the entire troublesome event will be dealt with efficiently and quickly via the correct legal channels.  For fast and accurate free legal advice for your particular matter, contact Butler & Company at

How Hot Yoga Can Increase Your Health and Fitness Level

How Hot Yoga Can Increase Your Health and Fitness Level

hot yoga Hot Yoga, or Bikram, as it is formally called, is a kind of Yoga that is performed in hot and humid conditions, usually 1050 F and humidity as high as 40%. So what is the idea behind it and is it beneficial to health? The heat, according to experts, allows you to go into different yoga positions without the risk of injuries because it makes both muscles and joints more flexible. Because of the excessive sweating the body is also able to detox. As you can imagine, your heart will be racing very fast as you do hot Yoga which is an excellent way to improve your cardiovascular health.
According to people who do hot Yoga, they are able to concentrate better over time. This is because they get so hot that they have to struggle to concentrate. As they tap more and more into their willpower they go deeper into their consciousness which in turn translates into a feeling of great peace. There are additional benefits to hot Yoga:
• The heat forces blood vessels to expand and they are able to deliver more oxygen into the muscles which gets rid of waste products such as carbon dioxide and other waste that has accumulated in the cells.
• When blood travels through warm muscles the oxygen that is in the hemoglobin is released more easily than when it travels through cold muscles.
• Hot Yoga enhances the breakdown of both glucose and fatty acids.
• People who do hot Yoga say that they have better coordination.
• It enhances the function of the central nervous system.
How often should you do hot Yoga?
If you want to reap the most benefits it is recommended that you do it at least 3 times a week. If you are able to do it more often you can expect to see results faster. When you get started you might feel a little fatigued but this wears out after a few weeks and you start to feel invigorated and fresh.
Is hot Yoga safe for everyone?
Not really. People who have heart conditions, heat intolerance and people who have suffered heat stroke should not do hot Yoga.
Try hot Yoga today at Kelowna Hot Yoga Studio for better health – visit

Check out this video explaining exactly what Hot Yoga is for additional information: