The Magic Seven 💰 7 Money Moves to Make Before You Buy a Home.

Andy Schildhorn • June 30, 2025

🏡 Thinking of buying a home in 2025? Before you scroll through listings or walk into an open house, make sure you understand The Magic Seven — the 7 financial steps every smart buyer should take.

 

💡 In this video, I cover:

1️⃣ Check your credit (and how to avoid score dings)

2️⃣ Get a proper mortgage pre-approval — not just a rate hold

3️⃣ Understand the stress test (and how it limits your budget)

4️⃣ Use first-time buyer programs to save thousands

5️⃣ Know your down payment rules

6️⃣ Budget for closing costs (they add up!)

7️⃣ Decide between fixed or variable rates — what’s best right now?

 

🎯 These are the real steps I walk Buyers through every day here in Langley and the Fraser Valley. Want to plan your next move with confidence? Let’s chat.


By Andy Schildhorn August 14, 2025
I'm going to be honest with you, I almost forgot to write this email this week. Got caught up with Fort Langley Jazz Festival. and almost ran out of time. Barely got this in under the wire. I think its a great edition of the newsletter. Performance under pressure! haha LAPS is here.   📣 "Success is not in what you have, but who you are." - Bo Bennett
By Andy Schildhorn August 13, 2025
SURREY, BC – Market conditions are ideal for Fraser Valley home buyers this summer, but the persistent gap between buyers’ and sellers’ price expectations continues to suppress sales. The Fraser Valley Real Estate Board recorded 1,190 sales on its Multiple Listing Service® (MLS®) in July, down half a per cent from June and down three per cent year-over-year. July sales were 23 per cent below the 10-year average. The supply of homes for sale dipped slightly in July, down two per cent from June to 10,650, nearly 50 per cent above the 10-year seasonal average. New listings declined five per cent over June to 3,453. The Fraser Valley remains in a buyer’s market with an overall sales-to-active listings ratio of 11 per cent; the market is considered balanced when the ratio is between 12 per cent and 20 per cent.
By Andy Schildhorn August 12, 2025
I'm going to be honest with you, I almost forgot to write this email this week. Got caught up with Fort Langley Jazz Festival. and almost ran out of time. Barely got this in under the wire. I think its a great edition of the newsletter. Performance under pressure! haha LAPS is here.   📣 "Success is not in what you have, but who you are." - Bo Bennett
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