New listing 588 North Fletcher Renovated ocean view home!
Author: Marla Jensen | March 6, 2010
Outstanding 180 degree ocean, island & mountain views from this completely renovated 2 bdrm, 1 bath home. Everything has been done, new windows, roof, siding & decks, kitchen, bathroom & laminate flooring. New double garage with roughed-in plumbing & 220 wiring. 1/3 acre, fruit trees & plenty of space for a garden. Lot is large enough to enable enlarging the house. Excellent location - short walk to Lower & Upper Gibsons, beaches, parks, marina, shopping & restaurants. Schools & transportation nearby. Duplex zoned! Asking $529,000. More pictures and info at www.marlaj.com
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557 Abbs Rd. reduced $10,000. Ocean, island, & mountain views!
Author: Marla Jensen | March 4, 2010
Location, location, location! Enjoy the Lower Gibsons lifestyle, walk to the beach, marina & stores. Sweeping ocean views & views of Keats Island, Gibsons harbour & Georgia Strait! Relax on the wrap-around ocean-view deck or retreat to the back-deck featuring a cedar post-&-beam privacy-screen for solitude. Massive master bedroom, ensuite has a slate shower for two, soaker tub, heated slate floors & marble. Create ambiance with 2 gas fireplaces featuring a sandstone & cedar mantle, open concept with maple hardwood & new carpet, almost 3,000 SqFt, single garage, 4 bedrooms, 3 baths, 2 kitchens, new roof, gutters, eaves, windows, 3-year old gas furnace, on-demand hotwater, stainless appliances. Now asking $619,000. More pictures and info at www.marlaj.com or call Marla 604 741 4225.
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New listing 1244 Roberts Creek Rd! House with acreage!
Author: Marla Jensen | March 4, 2010
.87 acre in Roberts Creek, 2 bdrms, could be 3 bdrms easy, 1 bath, hardwood floors, open concept, cedar trim with attention to detail, wood burning fireplace, mature shrubs border the property, completely fenced, detached workshop, built in playground with slide and suspension bridge, fruit tree’s, garden, zoned for two full sized homes, large cedars, but still bright and sunny. Walk to the beach, golf course and the Roberts Creek store. Property has 189 ft frontage, by 203 depth. Very private, and peaceful! Priced to sell, $529,000. More pictures and info at www.marlaj.com or call Marla 604 741 4225.
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New listing 59-1413 Highway 101 Affordable living!
Author: Marla Jensen | March 4, 2010
Located in Poplars Park and right across the street from a serene ravine. This two bedroom, two bathroom home is very private. Situated on a large lot, partially fenced, with lots of space for outdoor activities. The kitchen is made for a chef, with tons of storage, and counterspace. The layout of this home is perfect with both bedrooms at opposite sides of the home. Outside, enjoy the balcony and there is a storage shed for convenience. A must see! Asking $74,500. More pictures and info at www.marlaj.com or call Marla 604 741 4225.
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Just sold 807 Pleasant Pl.
Author: Marla Jensen | February 27, 2010
Just sold, 807 Pleasant Pl. Priced to sell quickly! 3 bedroom half duplex close to schools and shops. All the right things updated. Beautiful new kitchen and appliances. Newer roofing, exterior painted, upgraded windows. Shows great, award winning garden in theback and a cul-de-sac for the little ones. Call Marla today to find out what your home is worth in todays market. 604 741 4225
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Financial planning 2010
Author: Marla Jensen | February 21, 2010
Mortgage investments
The banks make most of their profits from basic home mortgages. Why not you? If you have money to invest, then you already know the value of real estate. And at one time you probably had a mortgage. So you already know the components of “Mortgage Investments.”
A mortgage investment is an easy investment to understand. There is no variety of choices like oil and gold, auto and computer companies, plants and animal products and no “roller coaster” long-term wait. A mortgage is a legal contract between a borrower and a lender. There is no guessing game as there is just one amount on one mortgage secured on one property and the choices are all yours. The rate of return starts and stays the same from day one to the end (term). The monthly payments go directly to you. Your lawyer prepares and registers the mortgage document in your name at land titles with all the specific details before one Looney is advanced to the borrower.
Risk? All investments carry a risk. You make the decision as to how much risk you want to take for your return on the investment. If you rely on the tax-assessed value of a property along with a certified appraisal of the same property, then you can be fairly certain as to the current market value (or, ask any experienced realtor about the market value). Once you are comfortable with the value of the property then you can assess the amount of the mortgage money you would want to securely lend against it. If a property were worth $375,000, then a first mortgage of $125,000 would be well secured, and a second mortgage of $15,000 behind the first would also be well secured. A first mortgage of $500,000 secured against a property valued at $2 million dollars is well secured, as would a second mortgage of $75,000 registered on the same property. Whatever amount you are comfortable with investing in a mortgage is secured to the percentage of what you determine is the value of the property. If your mortgage amounts to no more than 50 per cent of the current property value then the risk factor should be comfortable.
Borrowers pay all the costs to prepare, execute and register the mortgage documents. The borrower is willing to pay above bank rates for a number of reasons. Mainly because the qualifying process is quick, easy and usually short term. The borrower will pay 7 to 12 per cent interest for the short term mortgage financing (most private mortgage are for one year term). Some borrowers do not want to go through the bank qualifying process (they’ll pay extra for “privacy”). Some banks do not offer an equity-based mortgage, no matter how much equity. Some banks won’t approve a mortgage on a clear title property until you can prove enough income to service the new debt. Banks are limited to what they can approve. There are bank acts and government rules and regulations to guide their approval process.
Do not confuse investing in a mortgage with investing in a “mortgage company.” A mortgage company pools their funds from investors and the company executives (salesmen?) make the decisions as to the risks. They may charge the borrower a big fee (that’s where they make their money), take a big risk (the bigger the risk, the bigger the fee) with your money and they can walk away when the mortgage (usually a lot of high risk mortgages) goes into default. The stories are tragic when investment companies walk away from their investors, who suffer the loss on high-risk investments they were not aware of. Leaving your investment decisions up to someone else may not be your best decision.
Again, if banks make large profits from secured mortgages then you know it must be a good investment. Why not you? It’s not complicated.
Submitted by Richard Watt,
Sunco Mortgage Corporation
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$20,000 price reduction on 2426 Lower Rd.!
Author: Marla Jensen | February 16, 2010
Very private large home in Roberts Creek with in law suite, 5 bdrms, 3 baths, top floor has been completely renovated right down to the wiring, & insulation, features heated honey tan slate floors in the bathrooms, brand new kitchen, Walnut Acacian Mocca hardwood floors throughout the dining, kitchen, & office, new stainless appliances, French doors leading to the balcony with a small ocean view. Projector & screen included. Enjoy 2 wood burning fireplaces for those chilly days. Also has a 40 year roof, new deck & the house has been recently painted. Sit by the Pond in the private backyard, with many mature shrubs, or pick veggies from the fenced garden. There is a garage, workshop, carport & garden shed. Now asking $579,000. Pictures, and more info at www.marlaj.com or call Marla to view 604 741 4225
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New addition to the kitchen on 557 Abbs Rd.!
Author: Marla Jensen | February 16, 2010
A beautiful new cabinet, and counter was added to the island in the kitchen…looks stunning!
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Need some repairs done on your home?
Author: Marla Jensen | February 16, 2010
Dustin Best is new to the coast, and looking for work!
Dustin replacing insulation , new windows,drywall,hardwood
flooring,crown moulding,baseboards and trim. General contracting. Has
worked for flooring,finishing and lumber companies. Hard worker and
very fairly priced so he can build a good reputation here along the
coast.
Tel 604 886-3777
Cell 1 250-574-5896
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New chandelier sets off dining room on 557 Abbs Rd!
Author: Marla Jensen | February 13, 2010
New chandelier in the dining room looks great! This home is a must see! Location, location, location! Enjoy the Lower Gibsons lifestyle, walk to the beach, marina & stores. Sweeping ocean views & views of Keats Island, Gibsons harbour & Georgia Strait! Relax on the wrap-around ocean-view deck or retreat to the back-deck featuring a cedar post-&-beam privacy-screen for solitude. Massive master bedroom, ensuite has a slate shower for two, soaker tub, heated slate floors & marble. Create ambiance with 2 gas fireplaces featuring a sandstone & cedar mantle, open concept with maple hardwood & new carpet, almost 3,000 SqFt, single garage, 4 bedrooms, 3 baths, 2 kitchens, new roof, gutters, eaves, windows, 3-year old gas furnace, on-demand hotwater, stainless appliances. Asking $629,000. More pictures and info at www.marlaj.com or call Marla to view 604 741 4225.
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