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THE HILLS HOMESTYLE Saturday October Page House purchase a business transaction By KEVYN NIGHTINGALE Buying a home is one of those things thats almost sure to get the adrenalin flowing especially for first timers Apart from being a highly charged emotional experience a house pur chase can also be the realization of a dream But its still a business tran saction calling for cool reason Thanks to todays soft some say disastrous housing market theres no scarcity of good deals out there So its the buyers tum to call a lot of the shots Once you set off on the open house route in earnest there are two im portant donts to keep in mind ICG HOME COMFORT TIPS Use your microwave to save coolness Microwave more meals in the summer Its cooler for the kitchen and saves energy dont get hungry to be a homeowner and dont fall in love a house no matter how cute it is There could be something every bit as loveable around the comer at a lower price with better financing or both Keep in mind that houses languish on todays slow market for days on average more than enough time for you to make the right choice And when it comes to choice its a wise move to keep your options open For example you may have set your sights on a detached subur ban bungalow on a 50foot lot Fine But dont discount a condo townhouse or apartment One good reason is that he condo market has fallen apart and there are bargains available But its important to compare value not just price Sometimes its worth spending a little more to get what you want After all its a home youre buying a place to live Something else to remember you still have to get to work And the novelty of travel soon wears thin if youre facing a twohour trip every morning and evening If youre a handyman then you might consider a place in need of fix ing up A handman special should SB cost a whole lot less than a similar house in movein condition and the savings could far exceed the cost of renovations But if you have neither the time nor the inclination to renovate its probably better to forget it Next youll have to arrange finan cing meaning a mortgage By far your best bet here would be to try for a vendor takeback mor tgage An anxious seller will very often give you rates and terms that no bank would match If this doesnt work start shopping around and compare the different packages offered by various lenders Interest rates will likely be the same no matter where you go But look for the special features the sweeteners that could make all the difference For advice on TV see Your Wealth available on broadcast channels in Ontario and on satellite across Canada or see Money in the Bank on your community cable channel Money care is general financial ad vice by Canadas chartered accoun tants Nightingale is a tax manager with Deloltte and Touche HELP USHELP EACH OTHER A NEW ADJUSTABLE wallmounted shelving system Variations by Knape Vogt Manufacturing Company can transform any room in the home Shown here in the family den with black laminate reinforced wood shelves and black wall standard covers the new system provides infinite display and storage options NATIONAL REAL ESTATE SERVICE NORTH AMERICAS REAL ESTATE MARKETING SYSTEM NRS BRAND REALTY INC REALTOR AN INDEPENDENT MEMBER BROKER Rd GEORGETOWN 8730300 HO Main St Unit 3 ERIN 5198332773 FOCUS ON QUALITY EXECUTIVE AREA Top location on the edge of Georgetown that demands the qualityminded family targe room including oak panelled den main floor family room plus or games room Freshly decorated new brood loom and ex pansive tiered decking overlooking the pret tiest one acre wooded property thats shared only with thousands of birds If you demand quality within 5 minutes of the GO train then take a look at this special home by calling Glendo Hughes or John Hill Soles Reps at nriMIi IMMACULATE GEORGETOWN SPLITLEVEL You have to see this home to believe it Beautifully and tastefully decorated this home is better than new New windows new and on a larger than usual lot Call John Hill Sales Rep 8730300 or 8778402 SERVICE BY THE THOUSANDS Each daythousands of sales pro fessionals go to work in neighbor hoods across the country They kiw how important your home is to I and your family Their experii and commitment combined NRS marketing system will help buy or sell a home in the least amount of time possible