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U O in ® ® Call RUTH ANNE WINTER 338â€"2000 treed lot within steps of dow core and Harbour, Large pri rooms, hardwood flooring throu Call RUTH ANNE WINTER 338â€"2000 $389.90 bedroo locatior firer ANNE WINTER 338â€"2000 $575,000. Two s $599,000. Dle private treed lot w/poo close to excellent schools, walk t downtown. 4 badrm family home, m fir fam. rm.. possible nanny suite i lower lev. RUTH ANNE WINTER :Ku-eooo “." ®\> & wows, pommmengmememme “, fohee F3 3 j C m â€"° J 8 <AQ tWW s oun N \ Wess d and inground neated ANNE WINTER 338â€"2000 family room, large eatâ€"in kif Immaculate home, a pleasure tc Call RUTH ANNE WINTER 338â€"2000 $309,90( Park are /4 acre CAPE CODBEAUTY INTOWN ONE ACRE PLUS IN TOWN $329 MINS. FROM HARBOUR &TOWN _ WALK TO DOWNTOWN & LAKE EXECUTIVE BUNGALOW _ OWN A PIECE OF OAKVILLES HISTORY EAST END LOCATION A BIT OF ENGLANDIN OAULDOAKVILLE 000 OLDE OAKVILLE NEW LISTING J Call RUTH Call RUTH ndently,owned and op ature Call RUTH ANNE WINTER 338â€"2000 ANNE WINTER 338â€"2000 Call RUTH ANNE WINTER 338â€"2000 #0NA Call RUTH ANNE WINTER 338â€"2000 RUTH ANNE WINTER 338â€"2000 ts EAST END LOCATION + RUTH ANNE WINTER 338â€"2000 NEW LISTING culate 2 storey family hed basement, main n with fireplace, eat in treed lot. Call RUTH rden. Walk (Con‘t from RE 3) her uniquely qualified to comment on mortgage trends and how they relate to firstâ€"time home buyers. She states quite unequivocally that a purchaser "definitely should deal only with a mortgage lender that has a person who is willing to take the time to explain all of the options and treat the client as the unique human being that he or she is... focusing on the client‘s individual needs. However, it would still be useful for firstâ€"time buyers to have more information available genâ€" erally, so that the firstâ€"time home buyer can approach a mortgage lender with confidence, having a good idea of the kinds of questions to aSsk." And so, as a result of the lack of organized and coherent information out there, lawyer Barnett, realtor Annette, and banker Clark have orgaâ€" nized on a regular basis a series of firstâ€"time home buyer seminars for Oakville and the surrounding area. The first seminar, which occurred on January 20th this year, was a resounding success. According to realtor Annette, "there was a lot of audience participation, and we really covered a lot of ground in depth. All of the participants left with a feeling Knowing options is very important In order to realize our plans to move to larger facilities, our building is for sale. Please contact any local REALTOR for more information. (KHome ofThe Oakville, Milton and District Real Estate Board) * Unique character building ideal for professionals or small business * 12 Parking spaces * Zoned C3R $459,. 375 152 TRAFALGAR ROAD DOWNTOWN OAKVILLE that they were in a much better posiâ€" tion to make intelligent decisions regarding the big plunge into buying a home." The group calls its seminar series "The Official Oakville Firstâ€"Time Buyer Seminar", and there is nothing else like it. The seminar speakers are dynamic, and the setting is at the same time professional and informal. Moveâ€"up buyers are also welcome to attend the seminars â€" since most people who are buying a home for the second time have forgotten many of the issues â€" or the issues have changed significantly since the time that they bought their first home. The next seminar is being held on February 11th, 1993, and anyone interested should contact Jackie Annette at 844â€"5000. PHONE ALONE (CALL845â€"5585 N F OS