Coastal Life Realty LtdSpecializing in Pender Island Properties
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 Charmaine Harris
Managing Broker/Owner
 Sandy Mundy
Sales Representative
 Coastal Life Realty Ltd Pender Island, BC Canada
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| Welcome to my website! I am a Real Estate Agent and Licensed Property Manager who works and lives on Pender Island. Pender Island is within the Southern Gulf Islands part way between Vancouver and Victoria BC (British Columbia), Canada. I would love to help you find that perfect property and home to buy or rent. I will help you to connect to our little piece of paradise!
Thursday, May 20, 2010 Sandy MundyCoastal Life Realty is pleased to announce that Sandy Mundy has joined the company. Sandy has been a resident of Pender for over 30 years! Her knowledge and experience with rural living and Pender Island in general will be a wonderful asset to her clients. Please look at our Agents Page to find her contact information. Thursday, May 13, 2010 So who's that REALTOR working for anyway?Categories:Gulf Islands Real Estate,Pender Island So who is the REALTOR® Working for anyway? Let’s talk Agency – it may not be the most exciting topic but if you are buying or selling Real Estate it is critical that you understand it. Normally when you think of Agency you may think of Insurance Agency or maybe Detective Agency or even Modeling Agency and these are great clues to what Agency means in Real Estate. Agency is the Buyer or Seller’s Representation. In Real Estate, representation roots from the office known as the “Brokerage”. Although a Seller may have hired a Real Estate Agent to list their property the contract is actually with the Real Estate Office and not with the individual REALTOR® also known as a Representative. In fact if the REALTOR® changed their office it is possible that the contract would stay with the original listing Brokerage. Now to add one more layer in Agency it is important to realize that because contracts are held with the Brokerage that means that every REALTOR® in that office... Thursday, May 13, 2010 American PurchasersPlease see the attached mail out regarding American Purchasers and mortgages created by Ron Demmers - Mortgage Broker
Saturday, April 24, 2010 Can Americans Qualify for Mortgages for Canadian Property?Can Americans Qualify for Mortgages for Canadian Property?
Yes. Finally there is a program that allows American residents to purchase or refinance Canadian properties by using their U.S. tax returns and U.S. Credit bureaus.
U.S purchasers of either primary or secondary residences may borrow up to80% of the value of their home. Qualification is based on the same debt servicing and credit score requirements as Canadian purchasers. These U.S. clients will benefit from the same low fixed and variable rates now available to Canadian buyers. As of April 24th 2010 the 5 year fixed rate for this program is 4.6% and the variable rate is prime minus .40% ( presently 1.85% ). Purchasers must demonstrate the income required to cover U.S. and new Canadian debt. American borrowers will need to provide two years of their Form 1040 and W2. A U.S credit bureau report will also be required.
If you are interested in this program, please call Ron Demmers,... Thursday, April 8, 2010 Why would I use a mortgage broker over my own bank?Categories:First time buyers,GI Pender Island,Gulf Islands Real Estate,Interest rates,Market Info,mortgages,Real Estate Why would I use a mortgage broker over my own bank? It might make sense to use your own bank instead of a broker, but you won’t know unless you shop around. Mortgage brokers are professional mortgage shoppers. 1) They are in touch with dozens of lenders and can tell you in short order what the most competitive rates are. 2) They can tell you if your lender or bank lends mortgages in your area. 3) Different lenders lend for different purposes and to different clients. For instance, if you are self employed, some lenders will treat you more favorably than others. 4) Many loans officers at branch level are just getting started in their careers and they are not as familiar with the mortgage process as a seasoned mortgage broker. For instance, many lenders have leeway in what documentation is required such as income confirmation and property appraisals. Mortgage... | |||||||||||||
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