Congratulations, You're a Home Owner!

Rita Cousins Senior Mortgage Advisor • August 12, 2021

GIVE YOURSELF A PAT ON THE BACK. YOUR OFFER HAS BEEN ACCEPTED AND
YOUR HOME WILL BE CLOSING SOON. NOW WHAT
?

HERE ARE 5 SMART TIPS TO HELP YOU PLAN AHEAD & HAVE A SMOOTH MOVE:

  1. Find a safe spot for any home-related bills as well as your current mortgage documents.
    It’s a good idea to also keep proof of your down-payment.

  2. Once you move in there will also be on-going costs such as property tax or condo fees,
    utility set-up fees and home and fire insurance.

  3. Life is full of surprises - check out the advantages of a life insurance policy.

  4. As there will be some costs associated with closing, be sure to put money aside to
    cover things like home loan insurance, land transfer tax, and legal fees.

  5. Remember your mortgage qualification was based on your income, so if you’re
    planning a career switch or going on maternity/paternity leave, let your agent know.

ANY QUESTIONS, PLEASE GIVE ME A CALL.

By Written by Steven Brennan Mortgage Industry News December 5, 2025
A new global analysis suggests Canada’s major metros are among the hardest places on earth for young people to buy their first home, with Vancouver, Toronto and Montreal ranking near the bottom of a 70-city affordability index. The study, from UAE-based developer Bloom Holding, estimates the typical first-time buyer in Vancouver enters the market at age 46, while those in Toronto and Montreal reach homeownership at around 40 and 39, respectively. The findings echo a broader North American trend. In the United States, the median first-time buyer age has climbed to a record 40, according to the National Association of Realtors — up from 33 just a few years ago — as higher rates and decade-long price gains delay ownership for younger households.  👉 Read the Article Here
By Andy Schildhorn December 4, 2025
Thinking about selling your home? In this video, I break down the Six Seller Essentials you need to know before you list. These insights come from 30 years of helping families buy and sell across Langley and the Fraser Valley, and they’ll give you a real advantage in today’s market. 📅 Book a time with me https://rly.forsale/Chat-with-Andy 🏡 What you’ll learn today 1️⃣ Why today’s market is slower than it looks 2️⃣ How smart pricing attracts serious buyers 3️⃣ Why a single offer can reveal more than you expect 4️⃣ How timing can protect or erode your equity 5️⃣ Why experience matters even more in a slower market 6️⃣ How to build a plan that fits today’s conditions 🎅 You’re invited to Santa Photos in Fort Langley Join us at 9160 Church Street between 1 and 5. Families, friends, and pets welcome. All donations support LAPS. 📍 About me I’m Andy Schildhorn with Macdonald Realty. Your Langley and Fraser Valley Realtor. 30 years helping sellers make smart, confident decisions. ☎️ Let’s connect Book a meeting: https://rly.forsale/Chat-with-Andy
By Andy Schildhorn December 3, 2025
Our experience having Andy as our realtor was very good! We sold our house with Andy, bought a condo , sold the condo and now bought a townhouse with Andy as our realtor. 👉 Full Review Here
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