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14 The Clarington/Courtice Independent, Bowmanville, Saturday, January 11, 1997 i to Buy and Sell Del's Mortgage Watch Today's Best Rate for First Mortgages. * Best Rates as of January 7th, 1997 Adjustable Rate Mortgage ... 3.740% How This article is provided by local local Realtors and the Ontario Real Estate Association (OREA) for the benefit of consumers consumers in the real estate market. market. Selling a house is a major undertaking undertaking in time and effort. Buying a house, particularly if you are a first-time buyer, can be an even bigger undertaking. But whether you're buying or selling, the key to success is extensive planning. To help you with that task, the Ontario Real Estate Association (OREA) has published two booklets chock-full of all the details you'll need to know - and they are available free to you with a phone call. "How to Buy Your Home" is a 128-page book covering 12 major areas you'll need to consider consider in the process. It's all spelled out on a step-by-step basis, complete with worksheets worksheets and checklists. The book starts by discussing some of the issues you need to consider- in your initial plan ning, and tackles two major questions - "Can you afford to buy a house?" and "How much of a house can you afford to buy?" Today, with very low down payments required for first- time buyers and mortgage rates at their lowest in more than 30 years, the answer to the first question is very often a resounding, resounding, YES! In fact, after checking out the basic requirements requirements noted in the book, many people are surprised that they are able to afford their own home. "How to Buy..." goes on to discuss the different types of homes available, working with a Realtor, arranging a lawyer and a mortgage and other areas such as additional costs, home inspections and closing the deal. It's a comprehensive look at all the many, many areas involved involved in buying a home. "How to Sell Your Home," like it's companion, takes you through all the details of the selling process. With the help of checklists and worksheets, you'll leam about planning, decision-making, decision-making, working with a Realtor, listings, marketing, working with a lawyer, dealing with offers to buy and closing arrangements. To obtain a. free copy of the How to Buy or How to Sell book, simply call 1-800-563- HOME. It's that easy. 6 Months 4.600% 1 Year 4.950% 2 Year 5.200% 3 Year 5.450% 4 Year 5.850% 5 Year 6.200% 7 Year 6.990% 10 Year 7.390% Weight Control Consultants NOTE: We handle the transfer of an existing mortgage at No Cost! WE ALSO ARRANGE: • Second Mortgages • Credit Lines • Personal Loans CALL: DEL DYKSTRA 697-3300 r> n I THIV I ^ FINANCIAL LTD. I Division Street © UCLI UIM" MORTGAGES Bowmanville Have a happy and healthy New Year and learn how to throw 27 Billion fat cells into a total Panic! Learn how to use skill power and not rely on will power When you follow a low fat, healthy eating plan you'll not only lose weight, but actually shrink fat cells. Your metabolism will start working for you, not against you. Unlike most diets where you lose muscle and water weight, you will lose excess body fat, and the weight you take off will stay off. So if you would like to see your fat cells running scared call: Angela Lee at (905) 721-1709 By Appointment Only - Now taking new clients * One on one confidential behavioural counselling. * Low fat, healthy eating program which follows Canada's Food Guide. * Recommended by Doctors. * Four week, high cholesterol, program now available. Two Locations: Scugog Professional Building, 98 King St. West, Bowmanville North Ôshawa Medical Centre, 1400 Ritson Rd. N., Oshawa Weight and Health Management Services is a Diuision of Manadon Inc. Real Sh Estate with Betty Smith If you're thinking of buying or selling and looking for an experienced realtor to assist you, please give me a call. I can be reached at Sutton Group-Dynamic Realty Inc., 129 King St. East, Bowmanville, (905) 697-1700 (24 Hr. Pager). New Home Warranties - On Resale Homes Too. Purchasers moving into home is sold again before new homes, expect to find the warranty period them free of defects, This expires. Because it's trans- however, is not always the ferable to subsequent own- case. Fortunately, new home ers, if you purchase a resale buyers and those purchasing home- under the age of seven "newer" houses or condos in years you will have some Ontario, do have some residual coverage, protection. Keep in mind however, Under the "ONTARIO that it is up to you, the NEW HOME WARRANTY homeowner, to notify the PROGRAMME" new home builder and O.N.H.W.P. in buyers are provided with writing, of any defects, comprehensive warranty within the warranty period, protection from builders'for You can check on what is up to seven years, and what is not covered O.N.H.W.P. covers defects under this programme and in workmanship and materi- verify the remaining cover- als for one year. "Power- age on a home, by calling train" items like plumbing your nearest O.N.H.W.P. and heating systems, base- office. Phone numbers are ment leaks, etc. are covered listed in the white pages of for two years and major the telephone book, structural defects for seven Your comments and years. questions are always of This warranty starts on interest to me and I wel- the date of first possession come the opportunity to of a new dwelling and answer them, remains in effect if the ©j.p. 'iChfidl cornerstone realty ltd., realtor 104 king st. e., bowmanville David Passant** Assoc. Broker Over 21 Years of Service HOBBY FARM 10 acres. 6 years new. Ventury home with over 20Q0 sq. ft. of living living space, walkouts and deck. Asking $171,500. LOOK AT THIS! $42,900-100'X 150' building lot, Orono area $49,900 - 132 x 247 (approx. 1 acre) building lot in Kendal $64,900 - 200.X 200 executive building lot JUST LISTED-2-10 acre parcels with trees $65,900. each $135,500- Bungalow with income potential For a market evaluation of your property, please call David Passant**, Associate Broker today! Dianne Warren* Sales Rep. STARTING OUT OR RETIRING! This is for you. Lovely one bedroom mobile. Super deck with B.B.Q. area. Includes fridge, stove, all curtains and blinds and a large fully insulated shed. Great garden area at back. Only $19,000. THE HOME WITH IT ALL 4 +1. bedrooms, 4 baths, 1 ensuite, ensuite, main floor family room with fireplace and yi/alkout to deck. Central air/vac, inside entrance to double garage and the lower level features an in-law suite with its own walkout. Shows beautifully. beautifully. Only $177,900. Call Dianne Warren* Office 623-6000 Tor. Line 428-1206. Call Linda McLennan** Associate Broker 623-6000 4 BEDROOM BEAUTY Exceptionally clean and tastefully decorated detached home. Close to 401, schools and shopping, shopping, Eat-in kitchen, cozy family room, finished rec room with pine floor. Fenced yard. $152,900. 1,700 SQUARE FEET Bright 3 bedroom Halminen link. Open concept. concept. Eat-in kitchen with oak cupboards. Master bedroom with sliding glass walkout. Cheery large rec room. Extra deep lot. $143,900. Ron Moore* Sales Rep. 623-6000 24 hr. 623-9263 (res.) WHY ARE YOU STILL RENTING? When as a first time buyer with 5% down you can carry this brand new Victorian style, 3 bedroom, freehold ; townhome at less than $800 a month. This home features; 1-4 pc. and 1-2 pc. bathrooms, attached garage, large eat-in kitchen and walkout to backyard. Close to schools, shopping and seconds from the 401. Priced at just $114,900. No Down Payment? Call me, I can help. Call Ron Moore* now to view 623-6000. Tony Klompmaker* 623-6000 JUST LISTED ■ 3 bedroom brick and stone bungalow on 10 1/2 acres just outside of Bowmanville. This home has many unique features plus a 2 bedroom self contained apartment. Location, location, location. Great future potential. Asking $269,000. BOWMANVILLE CHEAPER . THAN RENT 3 bedroom semi with new windows, siding and roof, on extra large lot. Carries for $556.54 monthly with 5% down. Asking $89,900. 75 ACRE FARM, PONTYPOOL An excellent working working farm with numerous outbuildings, outbuildings, pond and a duplexed farm house. All for $199,900. Call Tony Klompmaker*, Remax Cornerstone Realty Ltd. 623-6000 or Res. 263-4448 Pauleen Goselin* Sales Rep. (905) 623-6000 24 hr. pager GREAT LOCATION For this 2300 sq. ft. 4 bedroom home in Bowmanville. Main floor family room with fireplace. Large eat-in kitchen, kitchen, separate dining room. Main floor laundry, access to double car gaiage. Large master bedroom with ensuite. Asking $199,900. Call Pauleen Goselin* 623-6000. Paul DeJager* 623-6000 or Res. 623-2712. LOOKS ARE DECEIVING - $159,900. Approximately 3/4 acre mature lot c/w large bungalow/apart'ment, walkout walkout basement; 2 fireplaces, hardwood hardwood flooring, huge-living room and dining room, large eat-in kitchen. Central air and much more. Easy access to Highway. Less than 20 minutes from-Oshawa, 5 minutes to Bowmanville. BEST DEAL IN WILMOT CREEK BUY, LEASE OR RENT TO OWN 2 bedroom Newcastle II Model with family room and fireplace. Backs • onto pond and golf course. Asking $45,000. to buy or try offer. Doug Humphrey** Member of Hall of Fame JUST LISTED 5 minutes east of bowmanville - 3 bedroom sidesplit on 3/4 acre lot, needs interior decorating. Only $122,900.1 ORONO VILLAGE 3 bedroom Orono Village home - includes walkout from family room, bright eat-in kitchen plus large garage on 65' x 165' lot! Asking $112,500. SENIORS APARTMENT Excellent 2 bedroom apartment near hospital, available for Feb. 1/97 - $623 All Inclusive. Call Doug Humphrey** 623-6000. ©J.P.