To Buy or Not to Buy? That is the Question!

Rita Cousins Senior Mortgage Advisor • December 15, 2022

While housing prices have increased, so have rental costs. For most individuals, the chances are that if you can afford monthly rent you could afford a mortgage as well.

The real benefit of home ownership is that it helps you build equity for your future. Consider saving 5% for a down payment to OWN your own home. You may find that your monthly mortgage payments aren’t too different from your monthly rent!

If you would like to look into the option of owning your own home, a good place to start would be talking with a mortgage professional. From there, they can help you determine your:

Maximum monthly mortgage payment
Maximum purchase price
Down payment
Mortgage type
Closing costs (legal fees, land transfer fees, property taxes)

With access to 50+ lenders, a mortgage professional can help you shop the market to find the best mortgage product and rates to suit your needs! Our whole lives are mortgages, so you don’t have to worry!

Call me today to discuss your options!

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🔑📊 Fraser Valley Real Estate: Prices Falling, Buyers Waiting📉

By Andy Schildhorn • February 3, 2026

🏡 Fraser Valley home prices back to pandemic-era levels under the weight of economic headwinds and sustained inventory 📉 SURREY, BC – Home prices in the Fraser Valley fell for the tenth consecutive month in January, pushing the Benchmark price below $900,000 for the first time since spring 2021. The Benchmark price for a typical home in the Fraser Valley dropped one per cent in January to $897,200, down 6.9 per cent year-over-year. The continued softening of prices wasn’t enough to get buyers off the sidelines, as the Fraser Valley Real Estate Board recorded 619 sales on its Multiple Listing Service® (MLS®) in January, a 33 per cent decrease from December, and 24 per cent below sales from the same month last year. New listings increased 128 per cent in January to 3,078, reflecting the typical seasonal patterns; however, activity remained 10 per cent below last year’s levels.

🤗 Sometimes we need to smile.

By Andy Schildhorn • February 2, 2026

Who needs a hammock? Check out LAPS for adoptables 😀 📣"Do what is right, not what is easy.” - Roy T. Bennett

🏡 Do Home Inspections Kill Deals?

By Andy Schildhorn • January 31, 2026

⏸️ Fraser Valley Market Paused | 2026 Outlook Looking for straight talk about real estate in Langley and the Fraser Valley? In this playlist, Realtor Andy Schildhorn shares honest, experience-backed insights into the housing market, the buying and selling process, and what’s really going on behind the scenes. Whether it’s market conditions, policy changes, or personal stories that affect buyers and sellers alike, Andy Talks Real Estate & More brings a local, no-fluff perspective that helps you make smarter decisions—without the jargon. 🎙️ Real estate insights with 30 years of experience 📍 Focused on Langley, Fort Langley, and Fraser Valley communities 💬 Includes conversations, quick tips, personal experiences & more Ready to make your next move with clarity and confidence? 📅 Book a call: https://rly.forsale/Chat-with-Andy 📞 778-835-8957 🌐 www.AndytheRealtor.com