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	<title>Real Estate With Carmine</title>
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		<title>Real Estate With Carmine</title>
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		<item>
		<title>Finding The Perfect Home</title>
		<link>http://realestatewithcarmine.com/2012/05/30/finding-the-perfect-home/</link>
		<comments>http://realestatewithcarmine.com/2012/05/30/finding-the-perfect-home/#comments</comments>
		<pubDate>Wed, 30 May 2012 18:40:02 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[bathroom]]></category>
		<category><![CDATA[bedroom]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[garage]]></category>
		<category><![CDATA[home buyers checklist]]></category>
		<category><![CDATA[kitchen]]></category>
		<category><![CDATA[laundry room]]></category>
		<category><![CDATA[master suite]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=566</guid>
		<description><![CDATA[When buying a home, you have to consider your NEEDS and your WANTS. Once you have done this, then you &#8230;<p><a href="http://realestatewithcarmine.com/2012/05/30/finding-the-perfect-home/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=566&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>When buying a home, you have to consider your NEEDS and your WANTS. Once you have done this, then you can start looking. If you start looking before you&#8217;ve considered your needs and wants, you may fall in love with a house that you can&#8217;t afford and then nothing in your price range will ever measure up to it.</p>
<p><strong><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen-2.jpg"><img class="alignright size-thumbnail wp-image-568" title="Kitchen" src="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen-2.jpg?w=150&h=99" alt="Kitchen" width="150" height="99" /></a>Kitchen &amp;  Eating Area</strong><br />
Consider your lifestyle in relation to the kitchen and dining room. Do you spend hours cooking? Is a full gourmet kitchen with stainless steel appliances and lots of cabinet space what you need? Do you require an eat-in kitchen or will you always use the dining room?</p>
<p><strong><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/livingroom-1.jpg"><img class="alignright size-thumbnail wp-image-569" title="Living Room" src="http://realestatewithcarmine.files.wordpress.com/2012/05/livingroom-1.jpg?w=150&h=99" alt="Living Room" width="150" height="99" /></a>Living &amp; Family Rooms</strong><br />
Is your lifestyle pretty relaxed, or do you need separate living and family rooms? Many family rooms need to be large enough to accommodate computer stations as well as the entertainment centre.</p>
<p><strong><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/bedroom-3.jpg"><img class="alignright size-thumbnail wp-image-570" title="Master Suite" src="http://realestatewithcarmine.files.wordpress.com/2012/05/bedroom-3.jpg?w=150&h=99" alt="Master Suite" width="150" height="99" /></a>Master Suite</strong><br />
The master suite is something that really draws the attention of a home buyer. Think about the size of your furniture, do you need extra room for a crib? Do you need a sitting area or study? What about separate walk-in closets or an ensuite bath?</p>
<p><strong>Bedrooms &amp; Bathrooms</strong><br />
How many bedrooms do you need? One for each child? Do they need their own bathroom or can they share? Do you have frequent visitors and require a  separate room for them?</p>
<p><strong>Storage Space</strong><br />
Think about how much storage you require and where you need to have it. Do you need a basement or attic for storage? Are there temperature sensitive items that need to be stored or things that you need to get to frequently?</p>
<p><strong>Laundry</strong><br />
Would it be better for you to have the washer &amp; dryer in an upstairs closet or have a full laundry room? Do you want it on the main floor or in the basement?</p>
<p><strong>Parking</strong><br />
Is a garage absolutley necessary? For how many cars? Could you live with a covered outdoor space?</p>
<p><strong>Home Buyers Checklist</strong><br />
The decision to buy a home can be fun and exciting, but it can also be tiring and confusing. So before you start looking be sure to fill out the Home Buyers Checklist. This checklist will help you decide what you want and need in a home. It will also help you focus on potential future needs and determine which needs are must-haves and which are negotiable. <a title="Carmine Cupelli.com" href="http://www.carminecupelli.com/buyersChecklist.PDF" target="_blank">Click here to download a copy of the Home Buyers Checklist.</a></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/home-buyers-2/'>Home Buyers</a> Tagged: <a href='http://realestatewithcarmine.com/tag/bathroom/'>bathroom</a>, <a href='http://realestatewithcarmine.com/tag/bedroom/'>bedroom</a>, <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/garage/'>garage</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers-checklist/'>home buyers checklist</a>, <a href='http://realestatewithcarmine.com/tag/kitchen/'>kitchen</a>, <a href='http://realestatewithcarmine.com/tag/laundry-room/'>laundry room</a>, <a href='http://realestatewithcarmine.com/tag/master-suite/'>master suite</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/566/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/566/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/566/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=566&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">realestatewithcarmine</media:title>
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		<media:content url="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen-2.jpg?w=150" medium="image">
			<media:title type="html">Kitchen</media:title>
		</media:content>

		<media:content url="http://realestatewithcarmine.files.wordpress.com/2012/05/livingroom-1.jpg?w=150" medium="image">
			<media:title type="html">Living Room</media:title>
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			<media:title type="html">Master Suite</media:title>
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	</item>
		<item>
		<title>NEW LISTING &#8211; 62 Firwood Ave., Courtice &#8211; $329,900</title>
		<link>http://realestatewithcarmine.com/2012/05/23/new-listing-62-firwood-ave-courtice-329900/</link>
		<comments>http://realestatewithcarmine.com/2012/05/23/new-listing-62-firwood-ave-courtice-329900/#comments</comments>
		<pubDate>Wed, 23 May 2012 23:26:45 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[New Listing]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Durham Region]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[Re/Max]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[resale home]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=552</guid>
		<description><![CDATA[4 bedroom home in desirable family neighbourhood. Eat-in kitchen with lots of storage and a sliding glass walkout to a deck &#8230;<p><a href="http://realestatewithcarmine.com/2012/05/23/new-listing-62-firwood-ave-courtice-329900/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=552&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>4 bedroom home in desirable family neighbourhood.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/62-firwood.jpg"><img class="alignnone size-medium wp-image-553" title="62 Firwood Ave., Courtice" src="http://realestatewithcarmine.files.wordpress.com/2012/05/62-firwood.jpg?w=300&h=199" alt="62 Firwood Ave., Courtice" width="300" height="199" /></a></p>
<p>Eat-in kitchen with lots of storage and a sliding glass walkout to a deck and a fully fenced yard.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen.jpg"><img class="alignnone size-medium wp-image-555" title="Eat-in Kitchen" src="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen.jpg?w=300&h=199" alt="Eat-in Kitchen" width="300" height="199" /></a><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/yard.jpg"><img class="alignnone size-medium wp-image-556" title="Fully fenced yard" src="http://realestatewithcarmine.files.wordpress.com/2012/05/yard.jpg?w=300&h=199" alt="Fully fenced yard" width="300" height="199" /></a></p>
<p>Main floor offers a family room, large living and dining room combo and laundry room with access to garage.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/living.jpg"><img class="alignnone size-medium wp-image-558" title="Living room" src="http://realestatewithcarmine.files.wordpress.com/2012/05/living.jpg?w=300&h=199" alt="Living Room" width="300" height="199" /></a></p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/dining.jpg"><img class="alignnone size-medium wp-image-559" title="Dining Room" src="http://realestatewithcarmine.files.wordpress.com/2012/05/dining.jpg?w=300&h=199" alt="Dining Room" width="300" height="199" /></a></p>
<p>Master bedroom boasts a sitting area, walk-in closet and a 4pc ensuite bath with a separate shower and soaker tub.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/master.jpg"><img class="alignnone size-medium wp-image-561" title="Master Bedroom" src="http://realestatewithcarmine.files.wordpress.com/2012/05/master.jpg?w=300&h=199" alt="Master Bedroom" width="300" height="199" /></a></p>
<p><a title="Carmine Cupelli.com - 62 Firwood Ave" href="http://www.carminecupelli.com/properties/62FirwoodAve.html" target="_blank">Click here to view more photos and a virtual tour.</a></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/new-listing/'>New Listing</a> Tagged: <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/durham-region/'>Durham Region</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/remax/'>Re/Max</a>, <a href='http://realestatewithcarmine.com/tag/real-estate-2/'>real estate</a>, <a href='http://realestatewithcarmine.com/tag/resale-home-2/'>resale home</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/552/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/552/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/552/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=552&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">62 Firwood Ave., Courtice</media:title>
		</media:content>

		<media:content url="http://realestatewithcarmine.files.wordpress.com/2012/05/kitchen.jpg?w=300" medium="image">
			<media:title type="html">Eat-in Kitchen</media:title>
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			<media:title type="html">Fully fenced yard</media:title>
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			<media:title type="html">Living room</media:title>
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			<media:title type="html">Dining Room</media:title>
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			<media:title type="html">Master Bedroom</media:title>
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	</item>
		<item>
		<title>Buyer Beware</title>
		<link>http://realestatewithcarmine.com/2012/05/16/buyer-beware/</link>
		<comments>http://realestatewithcarmine.com/2012/05/16/buyer-beware/#comments</comments>
		<pubDate>Wed, 16 May 2012 20:49:24 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[buyer beware]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pre-approval]]></category>
		<category><![CDATA[property survey]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=546</guid>
		<description><![CDATA[Buying a home is a major investment, but it can be even more expensive because of some common and costly &#8230;<p><a href="http://realestatewithcarmine.com/2012/05/16/buyer-beware/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=546&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Buying a home is a major investment, but it can be even more expensive because of some common and costly mistakes.</p>
<p><strong>Bidding Blind</strong><br />
What price should you offer when you make an offer on a home? Is the seller&#8217;s asking price too high, or does it represent a great deal? If you fail to research the market in order to understand what comparable homes are selling for, making your offer would be like bidding blind. Without this knowledge of market value you could easily offer too much, or fail to make a competitive offer on an excellent value.</p>
<p><strong>Buying the Wrong Home</strong><br />
What are you looking for in a home? A simple question but the answer can be quite complex. Many buyers have been swept up in the emotion and excitement of the buying process only to find themselves the owner of a home that is either too small or too big. They may be stuck with a longer commute to work, or require more fix ups and repairs than they really want to deal with. Take the time up front to clearly define your wants.</p>
<p><strong>Unclear Title</strong><br />
Make sure very early on in the negotiation that you will own your new home free and clear by having a title search completed. The last thing you want to discover is that there are encumbrances on the property such as tax liens, undisclosed owners, easements, leases or the like.</p>
<p><strong>Inaccurate Survey</strong><br />
As part of your offer to purchase, make sure you request an updated property survey which clear marks your boundaries. If the survey is not current, you may find that there are structural changes that are not shown, such as additions to the house, a new swimming pool or a neighbour&#8217;s new fence extending a property line etc. Be very clear on these issues.</p>
<p><strong>Undisclosed Fix-ups</strong><br />
Don&#8217;t expect every seller to own up to every physical detail that will need to be attended to. Ensure that you conduct a through home inspection early in the process. Hire a home inspector to objectively view the home indie and out and make the final contract contingent upon this inspector&#8217;s report.</p>
<p><strong>Not Getting Mortgage Pre-approval</strong><br />
Pre-approval is fast, easy and free. With a pre-approved mortgage you can shop for your home with a greater sense of freedom and security knowing that the money will be there when you find your home.</p>
<p><strong>Rushing the Closing</strong><br />
Take your time during this process, and insist on seeing all paperwork the day before you sign. Make sure this documentation perfectly reflects your understanding of the transaction, and that nothing has been added or subtracted. Is the interest rate right? Is everything covered? If you rush this process on the day of closing, you may run into a last-minute snag that you can&#8217;t fix without compromising the terms of the deal, the financing or even the sale itself.</p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a> Tagged: <a href='http://realestatewithcarmine.com/tag/buyer-beware/'>buyer beware</a>, <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-2/'>mortgage</a>, <a href='http://realestatewithcarmine.com/tag/pre-approval/'>pre-approval</a>, <a href='http://realestatewithcarmine.com/tag/property-survey/'>property survey</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/546/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/546/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/546/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=546&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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		<title>Curb Appeal</title>
		<link>http://realestatewithcarmine.com/2012/05/10/curb-appeal/</link>
		<comments>http://realestatewithcarmine.com/2012/05/10/curb-appeal/#comments</comments>
		<pubDate>Thu, 10 May 2012 17:07:44 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Curb Appeal]]></category>
		<category><![CDATA[Selling A Home]]></category>
		<category><![CDATA[curb appeal]]></category>
		<category><![CDATA[first impressions]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[selling a home]]></category>
		<category><![CDATA[selling a property]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=534</guid>
		<description><![CDATA[A large percentage of home buyers are already forming an opinion about your home the minute they pull into the &#8230;<p><a href="http://realestatewithcarmine.com/2012/05/10/curb-appeal/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=534&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>A large percentage of home buyers are already forming an opinion about your home the minute they pull into the driveway. First impressions count especially when selling a home, and you want your home to make that love-at-first-sight impression.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/sunnyrose.jpg"><img class="aligncenter size-medium wp-image-535" title="Curb Appeal" src="http://realestatewithcarmine.files.wordpress.com/2012/05/sunnyrose.jpg?w=300&h=199" alt="Curb Appeal" width="300" height="199" /></a> Just because you don&#8217;t have a green thumb doesn&#8217;t mean that you can&#8217;t have great curb appeal. It&#8217;s about more than just beautiful gardens.</p>
<p>A bit of elbow grew can go a long way. Here are a few tips to get you started.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/cutting-grass-sm.jpg"><img class="alignnone size-thumbnail wp-image-538" title="Curb Appeal" src="http://realestatewithcarmine.files.wordpress.com/2012/05/cutting-grass-sm.jpg?w=150&h=112" alt="Curb Appeal" width="150" height="112" /></a><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/watering-garden-sm.jpg"><img class="alignnone size-thumbnail wp-image-537" title="Curb Appeal" src="http://realestatewithcarmine.files.wordpress.com/2012/05/watering-garden-sm.jpg?w=150&h=110" alt="Curb Appeal" width="150" height="110" /></a><a href="http://realestatewithcarmine.files.wordpress.com/2012/05/paintbrush-sm.jpg"><img class="alignnone size-thumbnail wp-image-541" title="Curb Appeal" src="http://realestatewithcarmine.files.wordpress.com/2012/05/paintbrush-sm.jpg?w=150&h=108" alt="Curb Appeal" width="150" height="108" /></a><br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/watering-garden-sm.jpg"><br />
</a>• clean up gardens by removing weeds and pruning overgrown shrubs<br />
• cut the grass and get rid of weeds<br />
• pressure wash dirty siding, dingy decks and driveways<br />
• clean windows inside and out, replace broken panes, and fix torn screens<br />
• touch up peeling paint on doors, siding, and trim<br />
• get rid of the clutter, put away toys and gardening equipment<br />
• make sure all walks and entrances are safe from clutter</p>
<p><a title="Curb Appeal Checklist" href="http://images.frontdoor.com/FDOOR/PDFs/CurbAppealChecklist.pdf" target="_blank">Click here, to download your own curb appeal checklist.</a></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/curb-appeal-2/'>Curb Appeal</a>, <a href='http://realestatewithcarmine.com/category/selling-a-home-2/'>Selling A Home</a> Tagged: <a href='http://realestatewithcarmine.com/tag/curb-appeal/'>curb appeal</a>, <a href='http://realestatewithcarmine.com/tag/first-impressions/'>first impressions</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/home-improvements/'>home improvements</a>, <a href='http://realestatewithcarmine.com/tag/selling-a-home/'>selling a home</a>, <a href='http://realestatewithcarmine.com/tag/selling-a-property/'>selling a property</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/534/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/534/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/534/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=534&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">Curb Appeal</media:title>
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			<media:title type="html">Curb Appeal</media:title>
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		<title>NEW LISTING &#8211; 136 Aspen Springs Dr. Unit # 103 &#8211; Clarington &#8211; $184,900</title>
		<link>http://realestatewithcarmine.com/2012/05/01/new-listing-136-aspen-springs-dr-unit-103-clarington-184900/</link>
		<comments>http://realestatewithcarmine.com/2012/05/01/new-listing-136-aspen-springs-dr-unit-103-clarington-184900/#comments</comments>
		<pubDate>Tue, 01 May 2012 19:19:14 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Clarington Real Estate]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[New Listing]]></category>
		<category><![CDATA[Aspen Springs]]></category>
		<category><![CDATA[breakfast bar]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Clarington]]></category>
		<category><![CDATA[Durham Region]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[ground floor unit]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[open concept layout]]></category>
		<category><![CDATA[pantry]]></category>
		<category><![CDATA[private balcony]]></category>
		<category><![CDATA[Re/Max]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=520</guid>
		<description><![CDATA[1+1 bedroom, ground floor unit with bright, south-facing exposure. Open concept layout with walkout to private balcony. Kitchen offers breakfast &#8230;<p><a href="http://realestatewithcarmine.com/2012/05/01/new-listing-136-aspen-springs-dr-unit-103-clarington-184900/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=520&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>1+1 bedroom, ground floor unit with bright, south-facing exposure.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/136-aspen-springs.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/05/136-aspen-springs.jpg?w=300&h=199" alt="136 Aspen Springs" title="136 Aspen Springs" width="300" height="199" class="alignnone size-medium wp-image-521" /></a></p>
<p>Open concept layout with walkout to private balcony.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/lr1.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/05/lr1.jpg?w=300&h=199" alt="Open Concept Layout" title="Open Concept Layout" width="300" height="199" class="alignnone size-medium wp-image-528" /></a></p>
<p>Kitchen offers breakfast bar and pantry.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/05/kit.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/05/kit.jpg?w=300&h=199" alt="Kitchen" title="Kitchen" width="300" height="199" class="alignnone size-medium wp-image-525" /></a></p>
<p><a href="http://www.carminecupelli.com/properties/136AspenSprings.html" title="NEW LISTING - 136 Aspen Springs">Click here to view pictures and virtual tour.</a></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/clarington-real-estate/'>Clarington Real Estate</a>, <a href='http://realestatewithcarmine.com/category/home-buyers-2/'>Home Buyers</a>, <a href='http://realestatewithcarmine.com/category/new-listing/'>New Listing</a> Tagged: <a href='http://realestatewithcarmine.com/tag/aspen-springs/'>Aspen Springs</a>, <a href='http://realestatewithcarmine.com/tag/breakfast-bar/'>breakfast bar</a>, <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/clarington/'>Clarington</a>, <a href='http://realestatewithcarmine.com/tag/durham-region/'>Durham Region</a>, <a href='http://realestatewithcarmine.com/tag/first-time-buyers/'>first time buyers</a>, <a href='http://realestatewithcarmine.com/tag/ground-floor-unit/'>ground floor unit</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/open-concept-layout/'>open concept layout</a>, <a href='http://realestatewithcarmine.com/tag/pantry/'>pantry</a>, <a href='http://realestatewithcarmine.com/tag/private-balcony/'>private balcony</a>, <a href='http://realestatewithcarmine.com/tag/remax/'>Re/Max</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/520/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/520/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/520/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=520&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">Open Concept Layout</media:title>
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			<media:title type="html">Kitchen</media:title>
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		<title>Multiple Offers</title>
		<link>http://realestatewithcarmine.com/2012/04/25/multiple-offers/</link>
		<comments>http://realestatewithcarmine.com/2012/04/25/multiple-offers/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 15:24:50 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Multiple Offers]]></category>
		<category><![CDATA[Selling A Home]]></category>
		<category><![CDATA[Selling Price]]></category>
		<category><![CDATA[Agent]]></category>
		<category><![CDATA[asking price]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home inspection report]]></category>
		<category><![CDATA[home sellers]]></category>
		<category><![CDATA[mortgage financing]]></category>
		<category><![CDATA[pre-approval]]></category>
		<category><![CDATA[selling a home]]></category>
		<category><![CDATA[selling price]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=507</guid>
		<description><![CDATA[Over the past few months a couple of my clients have been involved in multiple offer situations. Unfortunately for them &#8230;<p><a href="http://realestatewithcarmine.com/2012/04/25/multiple-offers/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=507&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/04/dollar-army_sml.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/dollar-army_sml.jpg?w=150&h=120" alt="Dollar Signs" title="Dollar Signs" width="150" height="120" class="alignright size-thumbnail wp-image-512" /></a>Over the past few months a couple of my clients have been involved in multiple offer situations. Unfortunately for them they were the buyers and not the sellers. For a <em>seller</em> multiple offers on a property will most likely result in the selling price being higher than the asking price. When a <em>buyer</em> enters into a situation where the property they want has multiple offers, the buyer then has to decide how much that home is worth to them knowing that it will likely sell for over asking price.</p>
<p>Keep in mind that the seller does not have to accept the highest offer. They may choose a lower priced offer that doesn&#8217;t have any conditions attached, such as a home inspection or financing condition. Any condition gives the buyer a chance to back out of the deal if they are not satisfied. Make sure your financing is in place with a pre-approval from a lender, before you submit an offer.</p>
<p>Multiple offers are generally unfair to buyers, and buyers must be properly educated in advance by their agent. Your agent should give you an indication of how much the property is worth based on recent sales in the area. Can the seller supply you with a property condition statement or a home inspection report? If not that may indicate physical defects in the home and therefore a home inspection is a must.</p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/04/dollar-sign-house_sml.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/dollar-sign-house_sml.jpg?w=150&h=150" alt="Dollar Sign over House" title="Dollar Sign over House" width="150" height="150" class="alignleft size-thumbnail wp-image-516" /></a>When there are multiple offers on the same property, buyers must be careful to only offer what they can afford. Listen to your agent who understands the bidding process and can offer you objective advice. </p>
<p>If you are a seller in a multiple offers situation, remember that the more you disclose the more offers you&#8217;ll probably receive. </p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/home-buyers-2/'>Home Buyers</a>, <a href='http://realestatewithcarmine.com/category/home-sellers/'>Home Sellers</a>, <a href='http://realestatewithcarmine.com/category/multiple-offers/'>Multiple Offers</a>, <a href='http://realestatewithcarmine.com/category/selling-a-home-2/'>Selling A Home</a>, <a href='http://realestatewithcarmine.com/category/selling-price/'>Selling Price</a> Tagged: <a href='http://realestatewithcarmine.com/tag/agent/'>Agent</a>, <a href='http://realestatewithcarmine.com/tag/asking-price/'>asking price</a>, <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/home-inspection-report/'>home inspection report</a>, <a href='http://realestatewithcarmine.com/tag/home-sellers-2/'>home sellers</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-financing/'>mortgage financing</a>, <a href='http://realestatewithcarmine.com/tag/multiple-offers/'>Multiple Offers</a>, <a href='http://realestatewithcarmine.com/tag/pre-approval/'>pre-approval</a>, <a href='http://realestatewithcarmine.com/tag/selling-a-home/'>selling a home</a>, <a href='http://realestatewithcarmine.com/tag/selling-price-2/'>selling price</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/507/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/507/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/507/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=507&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">Dollar Signs</media:title>
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		<title>NEW LISTING &#8211; 43 Bridges Dr., Newcastle &#8211; $249,900</title>
		<link>http://realestatewithcarmine.com/2012/04/18/new-listing-43-bridges-dr-newcastle-249900/</link>
		<comments>http://realestatewithcarmine.com/2012/04/18/new-listing-43-bridges-dr-newcastle-249900/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 20:16:21 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Clarington Real Estate]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[New Listing]]></category>
		<category><![CDATA[Newcastle Real Estate]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[carmine cupelli]]></category>
		<category><![CDATA[Clarington]]></category>
		<category><![CDATA[Ensuite Bath]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[Home For Sale]]></category>
		<category><![CDATA[Newcastle]]></category>
		<category><![CDATA[Property for Sale]]></category>
		<category><![CDATA[Ravine Lot]]></category>
		<category><![CDATA[Re/Max]]></category>
		<category><![CDATA[Re/Max First]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[selling a home]]></category>
		<category><![CDATA[Semi Ensuite Bath]]></category>
		<category><![CDATA[Walkout Basement]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=498</guid>
		<description><![CDATA[3 bedroom home on a ravine lot with a walkout basement. Main floor offers a bright living room / dining &#8230;<p><a href="http://realestatewithcarmine.com/2012/04/18/new-listing-43-bridges-dr-newcastle-249900/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=498&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>3 bedroom home on a ravine lot with a walkout basement.</p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/04/43bridges.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/43bridges.jpg?w=300&h=199" alt="43 Bridges Drive Newcastle" title="43 Bridges Dr" width="300" height="199" class="aligncenter size-medium wp-image-499" /></a></p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/04/backofhouse.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/backofhouse.jpg?w=300&h=199" alt="43 Bridges Dr" title="43 Bridges Dr" width="300" height="199" class="aligncenter size-medium wp-image-501" /></a><br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/04/backyard.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/backyard.jpg?w=300&h=199" alt="Ravine Lot" title="Ravine Lot" width="300" height="199" class="aligncenter size-medium wp-image-502" /></a></p>
<p>Main floor offers a bright living room / dining room with hardwood floors and gas fireplace and a eat-in kitchen with sliding glass walkout to 2 level deck over looking the ravine.</p>
<p>The second floor features a spacious master bedroom with an updated semi-ensuite bath.</p>
<p><a href="http://www.carminecupelli.com/properties/43BridgesDr.html" title="43 Bridges" target="_blank">Click here to view more pictures and for a virtual tour.</a></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/clarington-real-estate/'>Clarington Real Estate</a>, <a href='http://realestatewithcarmine.com/category/home-buyers-2/'>Home Buyers</a>, <a href='http://realestatewithcarmine.com/category/new-listing/'>New Listing</a>, <a href='http://realestatewithcarmine.com/category/newcastle-real-estate/'>Newcastle Real Estate</a> Tagged: <a href='http://realestatewithcarmine.com/tag/buying-a-home-2/'>Buying a Home</a>, <a href='http://realestatewithcarmine.com/tag/carmine-cupelli/'>carmine cupelli</a>, <a href='http://realestatewithcarmine.com/tag/clarington/'>Clarington</a>, <a href='http://realestatewithcarmine.com/tag/ensuite-bath/'>Ensuite Bath</a>, <a href='http://realestatewithcarmine.com/tag/home-buyers/'>home buyers</a>, <a href='http://realestatewithcarmine.com/tag/home-for-sale/'>Home For Sale</a>, <a href='http://realestatewithcarmine.com/tag/new-listing/'>New Listing</a>, <a href='http://realestatewithcarmine.com/tag/newcastle/'>Newcastle</a>, <a href='http://realestatewithcarmine.com/tag/property-for-sale/'>Property for Sale</a>, <a href='http://realestatewithcarmine.com/tag/ravine-lot/'>Ravine Lot</a>, <a href='http://realestatewithcarmine.com/tag/remax/'>Re/Max</a>, <a href='http://realestatewithcarmine.com/tag/remax-first/'>Re/Max First</a>, <a href='http://realestatewithcarmine.com/tag/real-estate-2/'>real estate</a>, <a href='http://realestatewithcarmine.com/tag/selling-a-home/'>selling a home</a>, <a href='http://realestatewithcarmine.com/tag/semi-ensuite-bath/'>Semi Ensuite Bath</a>, <a href='http://realestatewithcarmine.com/tag/walkout-basement/'>Walkout Basement</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/498/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/498/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/498/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=498&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">43 Bridges Dr</media:title>
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			<media:title type="html">43 Bridges Dr</media:title>
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			<media:title type="html">Ravine Lot</media:title>
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		<item>
		<title>The Changing Cost of Home Ownership</title>
		<link>http://realestatewithcarmine.com/2012/04/10/the-changing-cost-of-home-ownership/</link>
		<comments>http://realestatewithcarmine.com/2012/04/10/the-changing-cost-of-home-ownership/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 18:05:20 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[First Time home Buyers]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[home owners]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage terms]]></category>
		<category><![CDATA[property taxes]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=480</guid>
		<description><![CDATA[People have often asked me, how can home owners today afford to own a home? The fact of the matter &#8230;<p><a href="http://realestatewithcarmine.com/2012/04/10/the-changing-cost-of-home-ownership/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=480&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>People have often asked me, how can home owners today afford to own a home? The fact of the matter is that it&#8217;s <em>more affordable today</em> than it was 20 years ago. Have a look at this table:</p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/04/affordability-pringle-creek1.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/affordability-pringle-creek1.jpg?w=529&h=401" alt="Affordability Chart" title="affordability-pringle creek" width="529" height="401" class="aligncenter size-full wp-image-483" /></a><br />
In 1990 a four bedroom home in Whitby, in the Pringle Creek area, would cost approximately $237,000. Today that same home would cost approximately $400,000.<br />
<em>So how is it more affordable today? </em><br />
Well, after adjusting for mortgage insurance, interest rates, differences in available mortgage terms and even the increase in property taxes, the monthly caring costs are still <em>over $100.00 per month less</em> today.<br />
I do realize that this is only a temporary opportunity and it only exists because of today&#8217;s interest rates, but why not take advantage of this opportunity if you are contemplating entering into the home market</p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/buying-a-home/'>Buying A Home</a>, <a href='http://realestatewithcarmine.com/category/first-time-home-buyers/'>First Time home Buyers</a>, <a href='http://realestatewithcarmine.com/category/home-buyers-2/'>Home Buyers</a> Tagged: <a href='http://realestatewithcarmine.com/tag/home-owners/'>home owners</a>, <a href='http://realestatewithcarmine.com/tag/home-ownership/'>home ownership</a>, <a href='http://realestatewithcarmine.com/tag/interest-rates-2/'>interest rates</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-terms/'>mortgage terms</a>, <a href='http://realestatewithcarmine.com/tag/property-taxes/'>property taxes</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/480/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/480/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/480/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=480&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">affordability-pringle creek</media:title>
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		<title>Is Breaking Your Mortgage A Good Idea?</title>
		<link>http://realestatewithcarmine.com/2012/04/02/is-breaking-your-mortgage-a-good-idea/</link>
		<comments>http://realestatewithcarmine.com/2012/04/02/is-breaking-your-mortgage-a-good-idea/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 18:03:24 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[breaking mortgage]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[low interest rate]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage contracts]]></category>
		<category><![CDATA[mortgage lender]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[variable rate]]></category>
		<category><![CDATA[variable rate mortgages]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=466</guid>
		<description><![CDATA[With mortgage rates at all time lows, are you thinking about breaking your current mortgage to get a new lower &#8230;<p><a href="http://realestatewithcarmine.com/2012/04/02/is-breaking-your-mortgage-a-good-idea/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=466&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>With mortgage rates at all time lows, are you thinking about breaking your current mortgage to get a new lower interest rate?<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/04/sign-2.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/sign-2.jpg?w=150&h=150" alt="Mortgage" title="Mortgage" width="150" height="150" class="alignright size-thumbnail wp-image-469" /></a>The decision of whether or not to break your mortgage boils down to simple math. <em>You want to make sure that the outstanding balance on your mortgage is <strong>less</strong> after the break.</em> That also includes factoring in any financial penalty that will come with breaking the mortgage.<br />
Lenders don&#8217;t like losing mortgage contracts, which is why they impose financial penalties for breaking both fixed and variable rate mortgages. Most people are aware of the penalty if they break their mortgage but many don&#8217;t realize how high the penalty can actually be. You need to determine if the penalty you&#8217;ll have to pay when you break the mortgage will benefit you in the long term.<br />
Penalties vary from lender to lender and there are different penalties for different types of mortgages. In general, the penalty for breaking a mortgage is either a payment of three months interest, or something called the interest rate differential (IRD) &#8212; a non-standard calculation which seeks to compensate the bank for the money it loses when a homeowner breaks their mortgage.<br />
<a href="http://realestatewithcarmine.files.wordpress.com/2012/04/contract-2.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/04/contract-2.jpg?w=112&h=150" alt="Mortgage contract" title="Mortgage contract" width="112" height="150" class="alignleft size-thumbnail wp-image-470" /></a>The process of refinancing your mortgage is a lot like taking out your first mortgage. You&#8217;re required to fill out an application and endure a credit check. You’ll also be responsible for any fees associated with the title search, inspection, or appraisal.<br />
<strong>The good news is that because of the amazing interest rates that banks are offering even with their penalties many homeowners can save thousands of dollars by refinancing. </strong></p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/mortgage/'>Mortgage</a> Tagged: <a href='http://realestatewithcarmine.com/tag/breaking-mortgage/'>breaking mortgage</a>, <a href='http://realestatewithcarmine.com/tag/fixed-rate/'>fixed rate</a>, <a href='http://realestatewithcarmine.com/tag/interest-rates-2/'>interest rates</a>, <a href='http://realestatewithcarmine.com/tag/low-interest-rate/'>low interest rate</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-2/'>mortgage</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-contracts/'>mortgage contracts</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-lender/'>mortgage lender</a>, <a href='http://realestatewithcarmine.com/tag/mortgage-rates/'>mortgage rates</a>, <a href='http://realestatewithcarmine.com/tag/refinancing/'>refinancing</a>, <a href='http://realestatewithcarmine.com/tag/variable-rate/'>variable rate</a>, <a href='http://realestatewithcarmine.com/tag/variable-rate-mortgages/'>variable rate mortgages</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/466/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/466/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/466/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=466&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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		<title>Play Road Hockey With The Toronto Maple Leafs!!</title>
		<link>http://realestatewithcarmine.com/2012/03/27/play-road-hockey-with-the-toronto-maple-leafs/</link>
		<comments>http://realestatewithcarmine.com/2012/03/27/play-road-hockey-with-the-toronto-maple-leafs/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 17:12:40 +0000</pubDate>
		<dc:creator>realestatewithcarmine</dc:creator>
				<category><![CDATA[Re/Max]]></category>
		<category><![CDATA[Toronto Maple Leafs]]></category>
		<category><![CDATA[leaf fans]]></category>
		<category><![CDATA[nhl]]></category>
		<category><![CDATA[Re/Max Home Street Advantage]]></category>
		<category><![CDATA[Re/Max Ontario-Atlantic Canada]]></category>
		<category><![CDATA[Road Hockey]]></category>
		<category><![CDATA[sports]]></category>

		<guid isPermaLink="false">http://realestatewithcarmine.com/?p=450</guid>
		<description><![CDATA[Ok, so I know that the Leafs didn&#8217;t have a great season and it is highly doubtful they&#8217;ll make the &#8230;<p><a href="http://realestatewithcarmine.com/2012/03/27/play-road-hockey-with-the-toronto-maple-leafs/">Continue reading &#187;</a></p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=450&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Ok, so I know that the Leafs didn&#8217;t have a great season and it is highly doubtful they&#8217;ll make the playoffs again this year, but Leaf fans are still the greatest fans out there. So, wouldn&#8217;t it be amazing to grab 9 of your friends and play members of the Toronto Maple Leafs in a game of road hockey, on your street??</p>
<p><a href="http://realestatewithcarmine.files.wordpress.com/2012/03/bk_like.jpg"><img src="http://realestatewithcarmine.files.wordpress.com/2012/03/bk_like.jpg?w=300&h=289" alt="Re/Max Home Street Advantage" title="Re/Max Home Street Advantage" width="300" height="289" class="aligncenter size-medium wp-image-452" /></a>RE/MAX Ontario-Atlantic Canada Inc and the Toronto Maple Leafs have teamed up and announced the RE/MAX Home Street Advantage Contest with the Toronto Maple Leafs. </p>
<p>For your chance to win <strong><a href="https://www.facebook.com/torontomapleleafs/app_112079655568822" title="Facebook Maple Leafs" target="_blank">click here to enter</a></strong> before April 16th!!</p>
<p><a href="http://www.youtube.com/watch?v=mpmAWGyhUu8&amp;feature=youtu.be" title="Road Hockey With The Leafs" target="_blank">Watch this video to learn more.</a></p>
<p>Good Luck!!</p>
<br />Filed under: <a href='http://realestatewithcarmine.com/category/remax/'>Re/Max</a>, <a href='http://realestatewithcarmine.com/category/toronto-maple-leafs/'>Toronto Maple Leafs</a> Tagged: <a href='http://realestatewithcarmine.com/tag/leaf-fans/'>leaf fans</a>, <a href='http://realestatewithcarmine.com/tag/nhl/'>nhl</a>, <a href='http://realestatewithcarmine.com/tag/remax-home-street-advantage/'>Re/Max Home Street Advantage</a>, <a href='http://realestatewithcarmine.com/tag/remax-ontario-atlantic-canada/'>Re/Max Ontario-Atlantic Canada</a>, <a href='http://realestatewithcarmine.com/tag/road-hockey/'>Road Hockey</a>, <a href='http://realestatewithcarmine.com/tag/sports/'>sports</a>, <a href='http://realestatewithcarmine.com/tag/toronto-maple-leafs/'>Toronto Maple Leafs</a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/realestatewithcarmine.wordpress.com/450/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/realestatewithcarmine.wordpress.com/450/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/realestatewithcarmine.wordpress.com/450/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestatewithcarmine.com&#038;blog=31417568&#038;post=450&#038;subd=realestatewithcarmine&#038;ref=&#038;feed=1" width="1" height="1" />]]></content:encoded>
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