Real Estate Blog

The Conversation We Have With Almost Every Family Before They Decide To Move – written By Tanya Evoy

Fri, 10 Jul 2026 20:42:03 GMT

Everyone thinks the first conversation is about the house. That is what Sellers focus on, but it rarely is about just the house. We have a conversation about your life: What has shifted, what are you walking towards or away from and how can we help with your goals. If we don’t understand why you are moving, it becomes really tough to help you make the right decisions along the way when the emotions are high.

The first question: Why now?
We want to understand what changed and what is your timeline. What factors are playing into your timeline are important to know because that can change the strategy of the marketing, pricing and disclosures. Often the answers that come up sound like big changes, like: they layout doesn’t work anymore for our growing family, we are too far away from the schools, my parents or activities, or the commute is taking too much away from my quality of life.

The second question: Is moving the best option?
Although we love helping, sometimes you think the timing is right when it is very wrong and we will help you understand if it is in fact the best solution. Other options could be: a renovation, a pause to let emotions settle, or a reasonable look at what the next step looks like and if it makes sense financially.

The third question: What are you worried about?
As much as we want to create the ideal outcome for our clients, it is imperative to talk about what their fears and concerns are around buying or selling. We have heard things like: “We are worried that we will not agree on the next house”; “That our house won’t sell for the price we need it to”; or “We don’t know if we will find the one.” These are important conversations that we do not avoid. When there is a plan in place to deal with what you may think is the worst-case, it will help you think more clearly and know that you have options and more control than you may know. This involves problem solving and a clear strategy, but this is what we do.

After we figure out the answers to these questions, we will talk to you about the common mistakes we see, and how we have systems in place and lots of success and experience to help you avoid them. This helps you to move forward with clarity and confidence, which we know is often exactly what our clients need.

People often think our job starts when they decide to move, but we think it starts much earlier. Having a conversation about what is important, what you want to accomplish and what challenges may arise sets you up for success before the actual process even starts. The house is important, but the decisions behind it are what matter the most.

Note from author: this blog was written by a human, not AI, and reflects human opinion and experience.

Want to Buy a Home This Spring?

Wed, 10 Jan 2024 21:25:00 GMT

If you’d like to buy and move into a beautiful new home this spring, then your countdown has already started!

While the spring might seem far away now, the rush of real estate’s biggest season will be here before you know it. There are many things you’ll need to do to get prepped and ready to buy a home.

Here are a few things you should get started on now in January so you’re ready for the spring market!

Get your finances in order: Now is the time to pull up your budget, your paystubs, your debt, and your credit score. First, make sure that your credit score is strong and that your debt is in a manageable spot. Your lender will look closely at both of these things and it will play a part in your interest rate and your qualification for a mortgage. Then make sure that your expenses, income, and budget are all lined up. Lastly, check on your savings account for your down payment and closing costs and make sure that it’s in good shape.

Get organized: You’ll need all of your financial paperwork around your taxes, income, debts, and assets handy for your lender. Gather all that paperwork now and organize it in folders or a binder so you’ll be prepared to get pre-approved when you’re ready to start looking at homes.

Start doing your real estate homework: Your agent will guide you through every step of the buying process, but it’s so helpful for buyers to have some background knowledge of the real estate process. You’ll feel much more confident and informed if you read up on the steps of buying a home and what you should be looking for as a buyer.

Find the right agent: It’s recommended that you interview at least 3 real estate agents so you can get an idea of what communication and working style best meets your needs. You’re looking for a knowledgeable, experienced agent you can trust and feel comfortable working closely with!

If you want to get started on your journey to buying a new home this spring, click here to get your FREE copy of the Buyer Guide!

4 Tricks to Save Money While Building a Home

Wed, 13 Dec 2023 21:29:00 GMT

Building a home is becoming more and more common and with good reason! You can design your home exactly the way you want it, complete with your favourite flooring, appliances, and finishes.

But the process of building a home from start to finish can add up quickly, especially when you add in all the extras like those luxury finishes or specialized rooms. While there are many ways to splurge while building a new home, there are also several opportunities to actually save money on building so you can put that money to use elsewhere! Let’s go through the 4 best tricks to save money on the building process.

1. Build up not out: If you want more square footage, you might think that the only way is to build out the floor plan on the same level and expand horizontally. But building out requires more foundation, more roof, and extra lot space. These three things can make up the bulk of your home cost. Instead of building out, consider building up by adding a floor. This will help you add square footage without the added cost of expanding the foundation or roof.

2. Group your wet rooms together: Wet rooms are all of your rooms that require plumbing–think your bathrooms, laundry room, and utility room. By grouping these rooms together, you’ll have your plumbing lines in the same spot. This will decrease the amount of plumbing you need to run throughout the house, which can get expensive!

3. Consider your flooring: Tile and real hardwood floors are nice, but they can get extremely expensive, especially when used throughout the home. Instead of these pricer options, use luxury vinyl plank (also known as LVP). LVP has the look of real wood or tile, but it’s much cheaper. It’s also great with pets and kids and is growing in popularity, so you have lots of options!

4. Look at different building materials: Some builders default to the most expensive building materials like stone and brick. But you can get similar looks at a fraction of the cost with a stone or brick veneer. If you’re not a fan of brick or stone, you can look at other lower-cost building materials like stucco, vinyl or hardy board, or siding.

4 Tips to Navigate Home Construction Delays

Wed, 13 Dec 2023 21:28:00 GMT

Building a new home and construction delays often go hand in hand. Delays and changes to the construction timelines are commonplace due to things like material supply chain delays, labor-related delays, or the home simply needing more work than originally anticipated.

If you’re not prepared, these kinds of delays can throw off your plans and cause chaos, ultimately resulting in more stress and challenges. But with these 4 tips, you’ll be prepared to navigate home construction delays and will have the knowledge you need to handle and plan for unforeseen delays.

1. Set realistic expectations and flexible timelines. Work closely with your builder to understand their timeline and what goes into each part of the construction. If you have questions about a certain portion of the timeline, ask! If there are certain milestones that need to be hit by certain dates, make that clear to your builder so you’re working from the same expectations. From there, you can set your expectations–but remember to be flexible. Delays happen and can’t always be foreseen.

2. Focus on communication: Sometimes delays happen because communication breaks down between the builder and the buyer. To avoid this, make sure you have a designated contact person at your builder who will be your go-to liaison to answer questions. Then, set a regular check-in schedule with this contact. Standard check-ins will ensure that you’re always apprised of what’s going on with your build, and when delays do happen, you can alter course quickly.

3. Understand the why: Though flexible timelines, clear expectations, and communication will help avoid delays, they are still bound to happen. When something does come up, work with your builder to find out why it happened. Once the builder has determined the cause, you can work together to see if other delays will happen as a result and how to avoid them.

4. Have a contingency plan! This is probably the most important tip. Having a contingency plan will help you avoid the headache of scrambling to find housing if your home isn’t built in time. Plan for delays and for the build timeline to be longer than expected, and have a solid Plan B to fall back on in case a big delay does happen.

Your real estate agent will be by your side throughout the entire build process and will help you navigate those delays.

6 Questions to Ask Your Contractor

Wed, 29 Nov 2023 22:11:00 GMT

As a homeowner, it’s nearly guaranteed that you’ll need the help of a contractor at some point. Contractors bring the expertise and experience you need to have a successful home project completed. But not all contractors are the same!

While there are amazing contractors out there who are pros at what they do and at running the business side of things, some other contractors can either be a nightmare to work with or may leave you with poorly done work. That’s why it’s imperative that you ask any contractor these 6 questions to make sure the contractor is a good fit.

1. How long have you been in business? A contractor who has run their business for a while is more likely to be doing good work and will have more experience. Be cautious around new businesses that don’t have many reviews or references.

2. How long have you worked with the subcontractors? Most contractors will subcontract out some of the work, especially for large projects. You should check on the subcontractors and make sure that the working relationships between the contractor and the subcontractors is good by asking this question.

3. How many other projects are you working on? It’s common for projects to exceed the originally quoted timeline. This often happens because of delays in materials, but it can also happen if a contractor has overbooked their team. Asking this question will help you get an idea of how long the work will take.

4. What is the expected payment system? Every contractor is different when it comes to money. Some want 50% upfront and 50% at the end of the project, others will put you on a payment plan throughout the length of the project.

5. What kind of insurance do you carry? Working with an insured contractor is critical if you want any peace of mind. Make sure your contractor carries all of the required insurances for their work as this will protect you in case of an error or accident.

6. Who is my point of contact? Many contractors will work with you directly while others will have you work with an account manager. Make sure you know who the best person to contact is so you can get your questions answered quickly.

A great contractor is like a great real estate agent–basically your best friend! If you want recommendations for contractors in our area, reach out to our team!

4 Things Every Homebuyer Should Know

Wed, 22 Nov 2023 22:12:00 GMT

When you’re going through the real estate process, you’ll have the expert help of a real estate agent to guide you. But, like most things in life, the journey is a whole lot easier when you’re informed and have a foundation of knowledge to draw on.

This is one of the reasons why buyers should check out the Buyer Guide, which has a ton of great info and provides an overview of the real estate process. But chances are that you haven’t heard much about 4 things that can really impact your home buying experience because no one really seems to be talking about them. Let’s change that!

The Power of Pre-Approval: A pre-approval is basically a stamp of approval from a lender that says that you’re likely to qualify for a certain amount of a mortgage loan based on your financial situation and history. This is a big deal for sellers because it means that if they select your offer with a pre-approval, your financing is much more likely to go through and the deal has a much higher chance of successfully closing.

Hidden Gems in an up-and-coming neighbourhood: Buying a low-priced hidden gem–a property with great potential that doesn’t require a total remodel–in a neighbourhood that’s not yet popular is a smart real estate strategy. Why? As the neighbourhood gets more popular and more amenities pop up, the house will appreciate in value due to the location. This means that you can build equity quickly and make a great return on your investment when you sell.

Future Resale Factor: When you’re looking at homes, don’t forget to focus on the future resale factor of the property. You’re making an investment when you buy a home, so it’s important to make sure that it will net a positive return on investment when you go to sell. Ask your agent to help you find properties with features that will add to its future resale factor.

The Art of Compromise: Buying a house is a way of making a business deal with the sellers. As with most deals, negotiation and compromise is the way to create a deal that works for both sides of the table. Before putting an offer down, ask yourself what you’re willing to compromise on and then expect to negotiate over those compromises. This is another reason why it’s important that your agent is a skilled negotiator!

8 Tips to Prepare Your Home for Painting

Wed, 15 Nov 2023 22:13:00 GMT

With the colder season approaching, now is the perfect time to do a few projects around the house and get your space looking great before the rush of the holidays. One of the best ways to take a room from dinghy or dated to fresh and bright is through paint!

When sellers ask how to boost their home’s value, painting is one of the first suggestions offered. That’s because the way a room looks and feels is entirely dependent on the colour of the walls and ceiling. Now that you know why painting is such a great fall home project, you’ll want these 8 painting tips to make the painting process as easy as possible.

Safeguard belongings: Take all of the easily moveable things out of the space with a focus on anything breakable or fabric. While no one wants an accident to happen, it’s better to be safe than sorry!
Fill holes: Look over your walls and find any holes from hangings that need to be filled. For small holes, spackle or drywall compound will do the trick.
Repair cracks: Check out your walls and ceiling for any cracks and patch them up. If you find any large cracks, it’s a good idea to get an inspector to check them out.
Add caulk: Next, take a look at anywhere caulk is applied (baseboards, windows, door frames) and caulk anywhere there’s a gap.
Clean and prime: Don’t skip this step! Cleaning and priming your walls will make the actual painting part go so much faster and you’ll use less of your paint–saving money in the long run.
Tape it all up: Once your walls are dry and ready to go, tape it up and drape tarps/drop cloths over any large pieces of furniture.
Gather your supplies: You’re nearly ready to paint. Make sure to gather all your supplies into the room to make everything easily accessible.
Paint!

These tips will help you make your space look like it was painted by a professional without the expense. With just a gallon of paint or two and a little time, you can refresh your home and make it the space to be as the weather gets colder.

Why Real Estate is Still the Best Investment: A Financial Analysis

Wed, 01 Nov 2023 22:14:00 GMT

You've heard the cliché a thousand times: "Don't put all your eggs in one basket." Well, consider this blog your invitation to diversify, with a spotlight on why real estate remains a rock-solid choice. Forget the get-rich-quick schemes; let's talk about long-term gains and financial fortitude.

Tangible Assets: The Beauty of Bricks and Mortar

Investing in stocks is all well and good until market volatility gives you whiplash. Real estate, on the other hand, gives you a tangible asset—something you can see, touch, and utilize. There's a measure of control and stability that's reassuring.

Cash Flow: The Gift that Keeps on Giving

Rental properties offer the beauty of consistent cash flow. You've got a monthly income that often exceeds your property's expenses, leading to a steady, passive income stream. Try getting that from your stock portfolio.

Tax Advantages: The Icing on the Cake

Now, I'm no accountant, but even I can't ignore the plethora of tax benefits that come with real estate investment. Depreciation, property tax deductions, and capital gains benefits are just a few fiscal perks.

Leverage: Maximizing ROI

With real estate, a small percentage down payment opens the door to a valuable asset, allowing you to leverage your investment. That means a higher potential return on investment (ROI) compared to the initial amount you put in.

Appreciation: The Long Game

Historically, real estate values have consistently appreciated over time. That makes it a fantastic long-term investment. Remember, Rome wasn't built in a day, and your real estate empire won't be either—but give it time.

Equity Build-up: Two Birds, One Stone

If you've financed your property with a mortgage, each payment builds equity. It's like a forced savings plan, all while you're potentially making money from the property. What's not to love?

Diversification: A Portfolio's Best Friend

Real estate offers excellent diversification for your investment portfolio. It often has a low correlation with other financial assets, providing a cushion against market volatility.

The Realtor Factor

Think of your realtor as the conductor of your financial orchestra. A knowledgeable agent can guide you through property selection, negotiation, and long-term planning, turning your investment dreams into achievable goals.

Investing in real estate isn't just about buying property; it's about securing financial freedom and stability. But hey, don't just take my word for it. If you're ready to take the plunge—or even if you're just testing the waters—lets chat. We'll crunch the numbers, scrutinize the data, and chart a path that aligns with your financial aspirations.

The Emotional Side of Real Estate: Managing Stress During Transactions

Wed, 25 Oct 2023 22:15:00 GMT

Let's talk about the elephant in the room—the emotional whirlwind that accompanies the complexities of real estate transactions. Sure, you've read countless guides on valuations, inspections, and negotiations, but what about navigating the emotional rollercoaster? Here's what you need to know to keep your sanity intact.

Accept that Emotions Will Play a Role

Whether you're a buyer or a seller, emotional investment is inevitable. You're not just selling or buying property; you're transitioning between life chapters. Recognize the emotional aspect, so you're better prepared to handle it.

Sellers: Detach and Depersonalize

Selling a home where you've built memories can feel like parting ways with an old friend. It's essential to detach and depersonalize. Look at your property as a 'house' and not as 'your home.' This perspective makes it easier to negotiate and make objective decisions.

Buyers: Beware of Emotional Spending

Ah, the excitement of finding what seems like your dream home—don't let it sweep you off your feet just yet. Emotional spending can lead to rash decisions like overshooting your budget or neglecting essential inspections. Keep your emotions in check; your wallet will thank you later.

The Dread of Uncertainty

Most stress during transactions stems from uncertainty. Will the deal go through? Will I get the mortgage approval? The way to manage this dread is through planning and choosing a realtor with years of experience—someone who can anticipate problems before they escalate and fantastic problem solving and negotiation skills if things get complicated, which they sometimes do.

Stress-Busters: What Your Realtor Should Be Doing

An experienced realtor will buffer stressors by serving as an effective communicator between all parties involved. We're not just here to facilitate a transaction; we're here to make it as emotionally seamless as possible.

Learn to Take a Break

In the thick of negotiations, inspections, and whatnot, don't forget to breathe. Step away from the real estate apps and go for a walk, watch a movie, or do anything that helps you relax. Trust the process and your realtor's expertise.

Stay Flexible

Stress multiplies when you have rigid expectations. The timeline may not always go as planned. Adjustments may need to be made. Flexibility can go a long way in reducing your stress levels.

The emotional side of real estate is like the dark side of the moon—always there but rarely discussed. The key is to balance emotion with rationality, which is easier said than done. But that's what you have me for. If you're ready to dive into the real estate market but dread the emotional toll it could take, let's chat. I promise, it'll be as drama-free as possible—or at least, the kind of drama that ends in a happy resolution.

Secret Homeowner Tip

Wed, 18 Oct 2023 22:16:00 GMT

Here’s one of the best tips that can be shared with homeowners. If every homeowner understood how important this tip is, it would change the real estate game!

Here’s the tip: Maintain your home! It sounds simple, but it is SO important. Keeping up on home maintenance will help you preserve and increase the value of your home. When you own a home, it’s your responsibility to make sure the property stays in good shape. No one else is there to take care of the maintenance or fix things up. There’s no landlord—it’s all you.

Now, the best way to do home maintenance is to stick to a schedule and keep an eye on your home’s systems. Get a home inspector you trust to come out every few years to check out your home’s systems and the areas you might not normally see. The inspector will give you an inspection report, likely with a few areas for you to fix or improve.

It’s important to do this with a real home inspector because they have such a wealth of knowledge and experience. Even if you’re a pro handyman, a home inspector will likely see things that you may have missed. It’s also a good idea to be present during the home inspection too so you can see what the inspector sees.

Once you get the home inspection report, read through it carefully and make a list of what needs to be fixed up or improved. Then, take the list and fix those items up as soon as possible. If you stick with this tip, your home and your future self will thank you!

If you let maintenance take the back burner and put off fixing home problems, there’s a very, very high chance that those issues will snowball and turn into a more serious problem. Then, you’ll be stuck putting way more time, energy, and money to fix what could have been a weekend project.

Again, this probably sounds simple, but you wouldn’t believe how many homeowners don’t keep up on home maintenance. While life gets busy and taking care of house stuff can get pushed down the list, it’s important to keep your home’s value high and maintain the property. Now, if you’ve maybe let a few things slip, take this as your sign to fix them up now!

If you’re on the road to homeownership, keep this tip front of mind. It will make owning a home much easier and less stressful while keeping your home’s value in tip-top shape so you can sell it for the max profit down the road. Want more homeowner tips? Let’s chat!

How the Neighbourhood Affects Your Property Value: What You Need to Know

Wed, 11 Oct 2023 22:17:00 GMT

When it comes to real estate, location is everything, and I mean everything. Sure, a renovated kitchen might fetch you a higher asking price, but the neighbourhood you live in is the real power player in determining your property's value. Let's dig into this often underestimated factor.

Proximity to Amenities

Have you noticed homes near popular amenities like shopping centers, parks, and top schools tend to command higher prices? Convenience is king in the real estate world, and homes that offer easy access to these amenities are in high demand.

Crime Rate

A low crime rate is not just good for your peace of mind; it's good for your property value. Areas with low crime rates tend to hold or appreciate in value much better than high-crime neighborhoods. Do your due diligence before you buy.

School Districts

If you're in the 30-50 age bracket, there's a likely chance you have or are planning to have kids. The quality of local schools is a significant factor for many homebuyers. Even if you don't have kids, a good school district can positively influence your home's value.

Future Developments

If a significant development is planned near your neighbourhood, it can dramatically affect your property value. It could be a positive influence, like a new shopping centre, or a negative one, like a landfill. Either way, it's better to know before you put that down payment.

Noise and Nuisance Factors

Little things like traffic noise, proximity to airports or train tracks, and the condition of nearby properties can also impact your property's value. While you might overlook the noise of a passing train, potential buyers might not be so forgiving.

Public Services

Quick access to public services like fire departments, hospitals, and libraries can add value to your property. It's another layer of convenience that prospective buyers will consider in their decision-making process.

Economic Indicators

Job growth and stability in your area can also play a role. A thriving local economy with low unemployment rates can lead to higher property values as more people move in to seek employment.

4 Tips to Increase Your Home’s Value

Wed, 04 Oct 2023 22:17:00 GMT

Today we’re talking about how you can increase your home’s value so you can get the highest return on investment when you sell your home. Doing some work on your home before listing it for sale is a great way to attract more buyer attention and sell your home for more than it would have originally netted.

These four easy ways to increase your home’s value should be of particular interest for homeowners who want to sell soon, but it’s good information for everyone to have!

First, focus on upgrading your home’s finishes. Finishes make a huge impact on how people perceive your home, and new finishes will make your home feel fresher and more modern. You can look at updating your paint to a bright, neutral color, switching your cabinet pulls to something stainless steel and modern looking, and changing your light fixtures to bring in more light.

Next, take a look at storage and how you can increase the usable square footage of your property. Smart storage solutions are a great way to attract buyer attention because so many homes desperately lack good storage. Look around your home and see where you can add some storage with built-in shelves or show off the space with smart staging. You can also consider finishing out unfinished areas in your home—like your basement or garage—to add more storage spaces for buyers.

Third, you can spend some energy making your home more energy efficient, especially if your home is older. Consider updating the windows to double-pane or energy efficient options. You can also add better insulation to keep your home cool in the summer and warm in the winter. If you have older appliances, especially for fridges or freezers, think about upgrading the appliances to energy-smart appliances. These are all great things to highlight in the home listing!

Lastly, you can give your home a new look on the outside by spending some time on curb appeal. Buyers truly do make split second decisions on homes as soon as they see the exterior, so it’s smart to spend a little time and money to make sure the outside of your home looks as nice as the inside. Adding a fresh coat of paint to the exterior or adding some new landscaping goes a long way.

Your real estate agent can provide specific recommendations of upgrades and renovations you can do to increase your home’s value and get the max profit when you sell your home. If you want to see what a professional would recommend, let’s connect!

Discover Why The Evoy Real Estate Team Stands Above the Rest

Wed, 31 May 2023 21:22:00 GMT

In a competitive real estate market, finding the right team to support your buying or selling journey is essential. At Evoy Real Estate Team, we take pride in delivering exceptional service and unparalleled expertise to our clients. In this blog post, we'll delve into the reasons why our real estate team stands out from the rest, and how our commitment to excellence can benefit you. Whether you're a first-time homebuyer or a seasoned investor, we're here to exceed your expectations and help you achieve your real estate goals.

1. Extensive Experience and Market Knowledge:

Our team boasts a wealth of experience and in-depth knowledge of the local real estate market. We have successfully navigated through various market conditions, enabling us to provide expert advice tailored to your unique needs. From analyzing market trends to understanding neighbourhood dynamics, our team's deep understanding of the real estate landscape empowers us to make informed decisions that maximize value for our clients.

2. Client-Centric Approach:

We prioritize our clients above all else. We understand that every buyer or seller has unique requirements and goals, and we take the time to listen and understand your needs. By forging strong relationships and open lines of communication, we ensure that your real estate journey is smooth and stress-free. Our personalized approach means that we are always available to address your questions, provide guidance, and offer support at every step of the process. You will have access to a Client Portal during your buying/selling journey that will keep you up to date on each step!

3. Comprehensive Services:

Our team offers a comprehensive range of services designed to meet your specific real estate needs. Whether you're looking to buy, sell, or invest, we have the expertise and resources to assist you. From conducting thorough property evaluations and market analyses to negotiating the best possible deals, we handle every aspect of the transaction with utmost professionalism. Our attention to detail and commitment to excellence ensure that your interests are protected and that you achieve optimal results. We are the only local team that offers everything in-house, meaning that even more care and thought is put into your listing! Our team also offers a complimentary iGuide Virtual Tour of your home, and drone footage at no extra cost; because, all listings deserve the "full service" experience!

4. Proven Track Record:

We are proud of our track record of success. Over the years, we have helped numerous clients achieve their real estate goals and build their dreams. Our satisfied clients testify to the quality of our services, and we have earned a reputation for delivering exceptional results. Our team's dedication to excellence, integrity, and transparency has earned us the trust and loyalty of our clients, which we value immensely.

5. Strong Network and Resources:

We have cultivated an extensive network of industry professionals, including lenders, inspectors, contractors, and more. This network allows us to tap into a wide range of resources to streamline the buying or selling process. We can recommend trusted professionals, connect you with reliable service providers, and ensure that all aspects of the transaction are handled efficiently.

Choosing the right real estate team can make a significant difference in your buying or selling experience. At Evoy Real Estate Team with RE/MAX Affiliates, we combine extensive experience, market knowledge, and a client-centric approach to provide unparalleled service. Our comprehensive range of services, proven track record, and strong network ensure that you receive the highest level of support and expertise throughout your real estate journey. Discover the difference of working with our exceptional team and let us help you achieve your real estate goals. Contact us today to get started!

Is Your Lender Asking These Important Questions?

Wed, 17 May 2023 21:22:00 GMT

Just like finding a great real estate agent, finding a lender you can trust is key to having a successful home-buying experience. While your agent will help you find and close on the perfect home for you, your lender is the person who makes all the important money and mortgage stuff happen so you can actually own the home. But not all lenders are equal, and there are some lenders out there that may take advantage of you. You want to ensure that you’re in a safe lending situation and are provided a good mortgage that you’re able to afford.

When you’re searching for a reputable, trustworthy lender, you need to make sure that your lender asks the following four questions:

1. Do you have a monthly budget and savings plan? Your lender should always ask about your budget and savings plan to make sure that your mortgage will fit into your finances. Without knowing about your expenses and how much you want to save, your lender won’t be able to know how much of a mortgage you can safely afford.

2. Do you have an emergency fund? You should have an emergency fund before buying a home, and a good lender will ensure that this is the case. Homes can come with unexpected expenses, and having an emergency fund will ensure that you’ll be able to take care of those expenses without getting into debt.

3. Do you expect any income changes in the near future? A good lender will make sure, to the best of their ability, that you’ll be able to pay your mortgage payments. They’ll do this by looking at your job history and asking about your future income. If you’re expecting any income changes, your lenders recommendations for mortgage options may change.

4. Are there any current financial concerns or issues you need help with? Your lender should help you sort out any concerns you have with your finances before locking you into a mortgage. By asking this question, your lender is making sure that you’ll be able to pay off your mortgage.

If your lender doesn’t ask you these four questions, chances are they're trying to take advantage of you. This is a major red flag, and if this happens, you should stop working with that lender and find a new one to help you finance your next home. We work with some incredible and very trusted lenders all the time, so if you’re looking for a great lender to help you along your home-buying journey, send us an email and we will send you our list of trusted lenders.

The Top Ways to Increase the Value of your Home

Wed, 10 May 2023 21:23:00 GMT

As a homeowner, one of your primary concerns is likely the value of your home. There are many factors that contribute to the value of a home, such as location, size, and condition. However, there are several things you can do to increase your home value, whether you are planning to sell or just want to improve your investment. Here are some tips on how to increase your home value:

Improve Your Curb Appeal

First impressions matter, and the first thing potential buyers or guests will see is your home’s exterior. Enhancing your curb appeal can increase your home value significantly. Some simple ways to improve curb appeal include adding a fresh coat of paint, landscaping, planting flowers, updating the front door, and power washing.

Upgrade Your Kitchen and Bathroom

Kitchen and bathrooms are the most important rooms when it comes to home value. Upgrading these rooms can be costly but can provide a significant return on investment. Some popular upgrades include replacing old appliances with energy-efficient models, adding a new backsplash, installing new countertops, and upgrading the lighting and fixtures.

Increase Living Space

Adding livable space to your home can increase its value. This can be accomplished by finishing a basement, converting an attic, or adding an extension to your home. However, before starting any major construction, it’s important to check local zoning laws and building codes.

Make Energy-Efficient Improvements

Energy-efficient homes are becoming increasingly popular, and it can significantly increase your home’s value. You can add insulation to your attic and walls, install energy-efficient windows, replace your HVAC system with a more energy-efficient one, and install a smart thermostat.

Add Smart Home Features

Smart home technology is becoming more popular, and it can increase your home value. Some popular features include smart thermostats, smart lighting, smart security systems, and smart home assistants. These features not only make your home more appealing to potential buyers, but they also provide convenience and security for you and your family.

Update Your Flooring

Updating your flooring can make a big difference in your home’s appearance. Hardwood flooring is a popular choice as it adds value and has a timeless appeal. Other options include tile, laminate, or luxury vinyl flooring.

In conclusion, increasing your home value requires some investment but can pay off in the long run. By focusing on improving your home’s curb appeal, upgrading the kitchen and bathroom, increasing living space, making energy-efficient improvements, adding smart home features, and updating your flooring, you can increase your home value and make it more appealing to potential buyers.

If you need more guidance in this department, or would like to know which areas to focus on before you sell please reach out to our team!

Our Top 3 Reasons to Use a REALTOR®

Wed, 19 Apr 2023 21:20:00 GMT

Oh Hey there, fellow Property Lover!

If you're thinking of buying or selling a property, let me tell you, it is currently an adventure. It can be exciting, stressful, and everything in between. Don't worry though, that's where we come in! We are your Real Estate experts, that can see down the road when you are looking at what is in front of you.

So, let's scrape the surface and explore the top 3 services we provide during the purchase or sale of a property.

1. Market Mastery
Real Estate Agents are like walking encyclopedias of Real Estate knowledge. We honestly know everything about the market; from the latest trends, to pricing, and inventory. We can give you the inside scoop on what's hot and what's not. This way, you can make the most informed decision. Plus, we can guide you through the entire process: from budgeting all the way to closing. We become your personal GPS, helping you navigate the twists and turns of the market and solving all the problems that come up along the way, so you don't have to!

2. Marketing Magic
When it comes to marketing and advertising, real estate agents are like magicians. We can make your property shine like a beautiful diamond. We have gathered all the "tricks of the trade", from creating professional brochures/flyers to hosting open houses as well as virtual tours! We also have an extensive network of contacts and relationships to find potential buyers or sellers, even before your property hits the market or you start looking on REALTOR.ca. Essentially, you have an entire team of marketing dedicated to your listing.

3. Exceptional Client Care
Real Estate Agents are like your personal cheerleaders. Representing your best interests throughout the entire buying or selling process. Our team will make sure everyone involved in the transaction is playing fair and square. If any issues or disputes arise, we will be there to help you solve them. They have a deep understanding of the legal and financial aspects of real estate transactions, so you can rest assured that you're in good hands. We will solve problems before you know they are there.

What our clients love about how we work:

• Clear, honest communication (no sugarcoating, no fluff)

• Marketing that actually moves the needle

• Fierce negotiating, thoughtful advice, and solid results

• We don’t just close deals—we build trusted partnerships that last

We work with professionals and families who expect more from their real estate experience. People who value integrity, faith, family, fun, and getting results. Our clients aren’t chasing the cheapest—they’re investing in the best service for one of life’s biggest decisions.

Whether you’re buying, selling, or both—our job is to help you feel confident, cared for, and a few steps ahead at every turn.

Anatomy of Property Purchase

Wed, 12 Apr 2023 21:21:00 GMT

Buying a home is a thrilling and life-changing experience. It's a journey filled with excitement, anticipation, and discovery.
So, let's break down the steps involved in purchasing a home and make it sound exciting and fun, which is honestly exactly what it is 99% of the time!

Step 1: Dream Big

The first step in the home buying process is to dream big! Think about what you want in a home. Do you want a big backyard for your dog to run around in? A cozy fireplace for those chilly winter nights? A chef's kitchen to whip up your favourite dishes? The possibilities are endless, so let your imagination run wild during this stage!

Step 2: Get Pre-Approved

Once you've dreamt big, it's time to get pre-approved. This step can seem daunting, but it's actually a lot of fun! It's like getting a financial makeover. You'll learn about your credit score, debt-to-income ratio, and how much you can afford. Plus, you'll get to shop around for the best mortgage rates and lenders. It's like a treasure hunt for the perfect loan!

Step 3: House Hunting

Now it's time for the most exciting part: house hunting!
This step is like a real-life scavenger hunt. You'll get to explore the different neighbourhoods, see unique and quirky houses, and discover hidden gems. Plus, you'll get to work with a real estate agent who will help you find the perfect home that meets your needs and budget. It's like having your own personal tour guide! We have a team full of highly trained agents that will guide you through this process!

Step 4: Making an Offer

Once you and your Evoy Real Estate Agent has found the perfect home, it's time to make an offer. This step is like playing the ultimate game of negotiation. You'll work with your real estate agent to craft an offer that's attractive to the seller while still staying within your budget. It's like putting together the perfect puzzle, something that our team is incredibly skilled at!

Step 5: Closing

The final step in the home buying process is closing. This step is like throwing a housewarming party! You'll sign a mountain of paperwork, get the keys to your new dream home, and celebrate with your friends and family! Oh and us too, we love to celebrate our clients' big day with them! It's a new beginning, a fresh start, and a chance to make new memories in your dream home.

Buying a home is like embarking on an exciting adventure. From dreaming big to house hunting to closing, every step of the process is filled with excitement and discovery. If you're thinking of purchasing a home, don't be afraid to jump in and start exploring! It's an adventure you won't want to miss.

The Evoy Real Estate Team is here for you every step of the way making sure that your dreams become a reality. Whether it is up-sizing, down-sizing, buying your first investment property or your very first home, we have a strategy for it! You are going to love working with us! Reach out to get started today by sending us an email, here!

How to Appeal Property Taxes in Carleton Place

Wed, 22 Mar 2023 21:16:00 GMT

While being a homeowner comes with many benefits, most homeowners don’t particularly like paying too much for property taxes. Over the past few years, many homeowners have seen their property taxes increase and have continued paying them. Did you know that you don’t have to accept your property taxes as they are. If they don’t seem right to you, you can appeal them.

Here are the steps you need to take to appeal your property taxes:

1) Gather the information about how much your home has been assessed for by your tax assessor’s office. Your assessment information might be sent to you through the mail each year with your property taxes. You can also get the information from the tax assessor’s office. If the amount your home has been assessed for seems too high, then you should prepare to appeal your assessment and property taxes.

2) Get your property’s record from your assessor’s office and ensure that it is correct. Once you have the property record, ensure that the information is correct, particularly when it comes to the number of bedrooms and bathrooms, your square footage, and how many cars your garage can hold. You’ll also want to check to make sure that your home’s assessed value aligns with what comparable homes are selling for in your neighbourhood. If any of the numbers are off, you can appeal the assessment because there are errors.

3) File the appeal with the assessor’s office and ask for a new assessment. The way to do this will depend on your local tax assessor’s office, and there will typically be a fee associated with the new assessment. If the assessment comes back with the correct numbers, your home will likely be assessed for a lower rate. If the assessment doesn’t reflect what you think it should, you can work with a lawyer.

For more information click here to view MPAC's website, where you will be guided on how to move forward should you need to appeal or have any other questions related to your property taxes.

If you have any questions about about your home value, just reply comment below, and we will get your questions answered.

The Best Town to Live and Raise a Family!

Mon, 13 Mar 2023 21:17:00 GMT

Did you know it is actually easier on your bank account to live in Carleton Place? The Carleton Place Cost of Living is 23% Lower than the Average City/Town in Ontario!

Watch the video below to find out all the reasons Tanya loves living in Carleton Place, and why we think you would too!

How To Reduce Your Electricity Bill & Save Money!

Wed, 08 Mar 2023 21:18:00 GMT

Right now is the perfect time to lower your electric bill, and I’m sending you the best tips on how to do just that! As energy costs just keep rising this year, it’s smart to conserve that energy and save those dollars. It’s a win-win situation for the environment and your wallet!

Tip 1. Install dimmer switches: Not only do dimmer switches add a more cozy ambience to a room, but they also conserve energy by decreasing the amount of electricity used. As an added bonus, buyers love to see dimmer switches, and they can help your home feel more updated.

Tip 2. Install ceiling fans: Ceiling fans increase air circulation in a room, which is obviously great for the summer to get some much needed breeze going. Did you know that ceiling fans can reduce heating costs in the winter, too? If you switch the way that the fan turns, it will push the hot air down into the occupiable space, making the room feel warmer. As a result, ceiling fans are definitely worth the cost and time to install.

Tip 3. Change filters regularly: If you have central air, this is a big one. When your filters get old and full of dust and debris, they make the mechanism in your return vent work harder to get the same amount of air into the system. As a result, more energy is used. Avoid this by setting a reminder in your phone or your calendar to change your filters regularly! You may have already noticed that smart home thermostats remind you when to change them!

Tip 4. Schedule yearly HVAC maintenance: Keep your system working at its best and most energy-efficient by having maintenance done on an annual basis. In addition to keeping things running smoothly, you’ll also extend the life of your HVAC system and catch any problems early on.

Tip 5. Switch to LEDs: LEDs last forever, reducing the amount you spend on lightbulbs, and also use way less energy than incandescent or CFL bulbs. You can also get them in many different light temperatures so you can customize the look of your rooms when the lights are on. Win-win!

Tip 6. Add landscaping for shade: Increasing the shade around your home can save you a surprising amount of cash in the summer months in addition to upgrading your curb appeal.

It only takes a little time and effort to lower your electric bill and save energy as these tips have shown. Making small changes like these definitely adds up over time and will help you save money on your electric bill!

If you have already implemented all of the above tips and have saved some extra money for that new home of yours, we'd love to connect with you! Let's have a coffee and talk about your next big move! You can always pop into our office at 250 Bride Street, in Carleton Place!

IS YOUR LEASE UP THIS SPRING?

Fri, 17 Feb 2023 21:14:00 GMT

This spring, you may be faced with a choice:
Do you renew for another year at an increased rent or do you jump into real estate and finally become a homeowner?

If you think you’ll stay in your area for 5+ years and have a steady income, now could be the perfect time for you to start your real estate journey.
Once you’ve decided that you want to buy a home, you can begin the home buying process.

Here’s how you should plan to spend the next few months!

First Things First: This is the time to start learning about the home buying process! Go look up some resources for homebuyers, ask your family and friends how they bought their first home, and start getting into the real estate state of mind. We have tons of insight and connections of the mortgage and lawyer side of things as well, so you will be well taken care of with us!

Next: Once you have a handle on how buying a home works, it’s time to get pre-approved. Research lenders, get recommendations, and shop around for a lender you like that has the best rates for you. Your lender will look at your finances and tell you how much of a mortgage you’re likely to qualify for. You’ll get a shiny pre-approval letter that you can show to sellers to put you ahead of other buyers. Not sure where to start with this, again we can help you 100%. We work with some amazing local mortgage brokers and have connections at many major financial institutions as well!

March/April: This is when the spring home buying season is in full force, which means that it’s time to start looking at homes! Your Evoy agent will help you find homes to see, set up showings, and walk you through each home to show you the pros and cons of each property. We will help you find the best property for your lifestyle and you will have our team to guide you through the entire buying process.

Imagine that in just a couple months you could be well on your way to being in your own home. Sounds way better than paying another year of astronomical rent, doesn’t it?

To be aligned with this timeline and ready for this spring real estate rush, you need to connect with your real estate agent today. If you don’t have an agent yet, send us a message! We have a team of agents who love to house hunt!

Tips for Selling Your Home in the Winter

Fri, 03 Feb 2023 21:15:00 GMT

Many people think that selling in the winter is a bad move. With all the holidays and the cold, it might not be your first choice in timing. Buyers still need houses, even in the winter! In fact, we have seen that Buyers this time of the year are a LOT more serious.
With this in mind, let’s get you ready so that you’ll know how to get your house ready to sell for top dollar this winter.

Keep your Pathway and Entrance free from snow.
Make it easy for buyers to get into your home. Additionally, you don’t want to make it seem like it’s hard to maintain your outdoor spaces in the winter, so a clear entrance is key!

Brighten up Every Room.
It gets dark early during these winter months, so add some ambient lighting to keep your rooms feeling light and bright. Floor lamps are your best friend. During an Open House, make sure to keep the temp warm. No one wants to walk into a cold house in the dead of winter, so make sure your space feels welcoming by keeping it warm and cozy. At the end of the day, it’s worth spending the extra money on heating costs for your open house and showings.

Make your Home feel Cozy.
Some throw blankets, nice but subtle winter smells, and good lighting go the extra mile to make your home feel like somewhere buyers will want to stay around for a while.

Keep Great Curb Appeal.
Even though you don’t need to mow your lawn, make sure the outside of your home looks well-kept. Cleaning your windows and washing any siding can help your home look fresh and move-in ready. Now is a great time to dust those cobwebs, too!

Winter gets a bad rap in real estate but it can actually be a great time to sell, especially when you have these tips.
The key is to make your home feel warm, cozy, and bright, so that buyers feel like it’s somewhere they can call "home". Although we appreciate the love you have for your home and maybe if you are one who likes to have your tree up until Valentine's Day, it's important to remember that while your home is on the market, we focus on the future buyer.

Want some help getting your home sold this winter? Just drop a comment below or send us an email here and we can help sell your home for top dollar in today's market.

Top "Green" Home Features Buyers Want

Wed, 18 Jan 2023 21:12:00 GMT

As the cost of everything increases and the condition of our planet becomes more of a concern for homeowners, the demand for “green” or environmentally responsible, home features are in pique demand.

If you are considering purchasing or building a home, these have been voted some of the most sought-after "Green" home features that can be incorporated, according to the Institute for Luxury Home Marketing.

• Solar Energy – This can include solar roof tiles, solar panels, solar windows. These items all convert sunlight into usable energy to reduce your environmental impact, as well as energy costs.

• Tankless Water Heaters - Used to heat only the water that is required, when it is required. Traditional water heaters constantly heat and store the water, resulting in higher energy usage and costs. A tankless units can reduce energy use by 24-34%.

• Air Filtration Systems - Airborne diseases such as the common cold and flu are spread through tiny pathogens floating around. These can be captured by systems with HEPA filters. These appliances are designed to be highly efficient; therefore, reducing the use of fossil fuels and at the same time allowing the home occupants to breathe cleaner air.

• Green Irrigation Systems - Designed and incorporated with the reduced usage of water in mind. It all starts with choosing the right drought-resistant plants and grass. Although a well thought-out system can include natural water sources such as: ponds or rivers, or even a drip irrigation system where the water is delivered underground by pipes to the roots of the plants through water dripping into the soil surrounding the plants. This is claimed to be one of the best forms of green-irrigation as it drastically reduces water usage, and delivering it directly where it is needed.

• Smart Environmental Controls - Such as remote Thermostats or Pre-Programming. By setting the temperature and humidity levels in the home, you can prevent the excessive use of heating and cooling, resulting in more energy efficiency.

• Electric Vehicle Charging - Quickly becoming a standard in new homes, as the demand for Electric Vehicles continues to increase.

You can learn more about the benefits of green features here, or how to incorporate them into your new build here.