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Real estate: answers to some basic questions How do I know what I qualify for? A simple test is to take roughly 33 per cent of your gross household income and then divide it by 12 (months). This would represent a ballpark figure of what you could carry in housing costs on a monthly basis, including principle, interest, taxes and maintenance fees (if applicable). How does the bank know I can qualify? When should I buy? The bank uses roughly the sa Simple. Buy while no one else is formula to determine eligibility buying. You will be a in a position accurately. of greater power when there are only a few of you in the marketplace. P What if I have to ,,,,,, * NEW â€" south facm%lClaxton 1,574 sf. 2 bedroom wi/den off kit. D b?f;"" airy suite with beautiful lake views. $ * Dalewood â€" $205,000. 2 bedroom, den, plus sitting room off master, walkâ€"in closet in master, eatâ€"in kitchen, north views. Make an offer. * NEW â€" Ennisclare suite 1,969 sq. ft. with unobstâ€" ructed lake views, subâ€"penthouse, 2 bdrms., den, 2 What should I buy? The best answer for this is, "what you can afford." It may not be exactâ€" ly what you dreamed of, but no one said you would be there forever. Get in at a level that is comfortâ€" able financially and upgrade when you can. $309,900. 4 bedrooms, 2 storey, 2 fireplaces, ground floor familroom with fireplace, finished recreation room. Call MO CONNELLY* 845â€"4267, 85â€"1087 $149,900. Sparkling 3 bedroom home, quict court, easy access to Sheridan College "GO" station, eatâ€" in Kitchen, C/air, 1â€"1/2 baths.MARGARET / ALAN MACKEY* 8$45â€"4267, 847â€"2926 Sales Representative (905) $45â€"4267 (905) 842â€"2075 IORU OUC $399, . parking spaces â€" KENNEDY* CcONDOMINIUMS ENNISCLARE II ENNISCLARE I NEW LISTING RAVINE LOT MO CONNELLY* Sales Representative (905) $45â€"4267 There are many legalities to buyâ€" ing or selling a home. Don‘t try and save a few bucks by doing it yourâ€" self. Just make sure the lawyer you use specializes in real estate. How do I go about selecting an agent? More often than not, you are picked by the agent instead of you doing the picking. My suggestion is to have a preâ€" pared list of questions ready in What if I have to miss a payment? The best advice is DON‘T. Owning a home is a financial comâ€" mitment you must be prepared to make. If you feel you will have difficulâ€" ty making the payments, postpone your decision to buy until you are most prepared to handle the obligaâ€" tions. $234,900. Renovated bungalow, Canac kitchen ©94. New broadloom, serparate dining room, tastefull decorated, fully fenced treed lot. BREND NEWELL* 845â€"4267, 849â€"0179 $399,000. Elegant condo, overlooking water, marble foyer, plus many u gades‘ flexibleoccupancy. Please call FORD O‘BRIEN* 845â€"4267. $634,000. In a class of its own, 3,800 sq. ft. of MJ‘O,U!N IM d UIISS MWM UWM, CR NS ; gractous living in an exclusive custom built area with views of the lake. MARJORIE HUDSON* 845â€"4267, 844â€"6900 $151,000. 2 bedroom, 2 bath condo solarium, eatâ€" in kitchen, priced right ready for offers, %eat south west exposure over treed ravine. VICTORIA BRAMM* 845â€"4267, 827â€"6123. The bank uses roughly the same Associate Broker (905) 845â€"4267 . (905) 842â€"3133 GILLARD*®* Ee( ROYAL LEPAG Royal LePage Real Estate Services Ltd., Broker * Sales‘hepruenmigo ** Associate Broker Another agent cannot discuss the â€" Dan Cooper is an Associate agentâ€"client relationship you currentâ€" â€" Broker with Countrywide Town ly have, due to a board byâ€"law. Centre Realty Inc, Oakville. advance.to which you want specific ans wers. Depending on how that interview goes, ask for references from previâ€" ous clients and be sure to check them. What if I don‘t like the agent I‘ve chosen? If you have entered into anâ€"agreeâ€" ment with this agent it can be diffiâ€" cult. Most relationships should be based on mutual respect. You, as the customer, must realize that the agent invests his or her time, money and expertise into you as a potential client. However, the agent must also understand that not all clients are going to appreciate his or her style of service. If the communication is kept open, then both parties will be in comfortable positions. What if I want a second opinion? $372,000. 2,600 sq. ft. 4 bedroom executive home silugglcs c(l:(iwn in (E%ua Creek acfioa,s frlm lw f close to arkson station Egrove Plaza other amenities! JOA]E DEAN® 845. 4267, 338â€"3708 $379,000. Quality Caims built home w/Marley tile roof, retreat with fireplace off master bedroom, centre island sreenhouse window in kit., sunken family $164,900. Great value, 3 bdrm. bungalow, hardwood e ENn i e o Lo Sn We enc ies Ee es en y floors, hiâ€"efficiency furnace, wh'u‘? 1 tub, c/air, fireplace, P}‘us orgeous 60x 120 lot! Won‘t last! Call VICTORIA B * $45â€"4267, 827â€"6123. 845â€"4207, 842â€"3133. $389,500. Substantial 5 bedroom.executive home, finished lower level, nanny or inâ€"law suite, elegant curb appeal. For details call: DIANA GILLARD** 1 (Frcenho use window in KIL., SUNKCN JOANNE DEAN 845â€"4267, 338-3708 (905) 845â€"4267 (905) 338â€"3708 JOANNE DEAN®*® President‘s Gold Award Winner If this is the case with your agent, the one who sold you your first condo apartment may not be the best candidate to sell your $1.2 million estate. _ If you are very upset about someâ€" thing, ask to arrange a meeting with the broker of the firm. Explain to the agent that you are just trying to proâ€" tect your investment within the guidelines and that this is not a reflection of poor service. Am I obligated to use this agent forever? If the agent‘s marketing portfolio contains a solid concentration of diverse past Sales you may wish to continue with this agent in future real estate decisions. Some agents tend not to grow with the flow and specialize in one type of property. Sales Representative (905) §45â€"4267 (905) 827â€"6123 $210,000. Put your stamp of approval on this 3 bedroom bungalow, clever use of space tranquil earden enhance this appealing home. Call arden _ _enhance _ this _ a hg RTHA HITCH* 845â€" $975,000. Mature East location offers 5,000 sq. ft. of maintenance free luxury living! 4 bedrooms, upstairs 8 a/%)ol room. A dramatic executive home. Call MARIHA HITCH® $45â€"4267, $47â€"5048. $389,900. Opportunity to own a lovely "Hampton II to shopping, sCho01$, 845â€"4267, $42â€"3133. Members of Oakvllle,EMIton District and Toronto Real Estate Boards BRAMM* 326 Lakeshore Rd. E., _â€"â€" Oakville _ STEPS TO SCHOOLS me", main floor den fam éroom', close 9, SChOOlS etc. Call DIANA GILLARD**