Doug & Shae Webber Duncan Real Estate

No Hype. No Pressure. Just Good Service.
Welcome to Doug & Shae Webber Duncan Real Estate Sign in | Help

Doug & Shae Webber

  • RENT TO OWN - A GROWING TREND?

    Today’s real estate market is experiencing a cyclical flux. We are seeing more homes on the market, longer days on the market, and fewer sales. This could be considered as typical for the time of year when you consider the seasonal spring rush is done and the summer slow down is here. This is a historical trend and is not alarming or uncommon. Conversations with area REALTORS® have indicated a general slow down overall in all price ranges and neighbourhoods. What makes this year’s slow down somewhat unusual is that it is coupled with tighter mortgage application rules and increasing interest rates.

    Increasingly we are being asked about rent to own as options for Purchasers. We are being asked this not because the potential Purchaser has bad credit, no credit or no down payment. These Purchasers typically do have good credit, a good income and a healthy down payment. The issue quite often is that the Purchaser has a job considered casual or part-time, or has been working in their field of employment for less than two years. Self-employed or commission sales individuals will face even more difficulties in qualifying for mortgage financing.

    If a Seller is considering renting out their property to cover expenses because of a lengthy time on the market, the rent to own scenario may suit them. The rent to own can provide a level of security for the Seller in that the tenant is also the Purchaser who will have a vested, financial interest in the property.

    Arranging a rent to own purchase must be done correctly to protect both the Buyer and the Seller. It is important to include specific contract terms and register appropriate notifications on the property’s title. As REALTORS®, we know how to prepare appropriate, binding contracts including rent-to-own contracts. If this is something you want to consider, as either a Seller or Purchaser, call or send us an email.

    By Shae Webber 

    The opinions in this article are those of the author and not those of Pemberton Holmes Ltd.
    Information is from sources deemed reliable but should not be relied upon without independent verification.

  • FOR SALE BY OWNER ADVERTISERS...SELLER BEWARE

    By Doug Webber & Shae Webber 

    Certain For Sale By Owner Advertisers would like you to believe that all you have to do to sell a home is advertise on the Internet. These advertisers will even claim to “help you from start to finish” giving the illusion they are able to provide these services.

    For Sale By Owner Advertisers are not legally permitted to provide Real Estate services. That is why their advertisements have disclaimers such as “we are not REALTORS®”.  If you are able to locate the fine print, another disclaimer may read:

    * Only available in participating areas. Services are defined locally and performed by third-party service providers and not the Anonymous Advertiser. These services may include but are not limited to property valuations or appraisal services, pre-sale home inspections, legal services, home staging services or other real estate related services.

    Real Estate is a regulated industry overseen by British Columbia’s Real Estate Superintendent. Real Estate is governed by Statute Law, namely “The Real Estate Services Act” (RESA). The law clearly states who can provide Real Estate services. A license to provide trading services is required by anyone who, or on behalf of a party selling, purchasing or leasing Real Estate, provides any of the following services:

    a)      advising on the appropriate price for the Real Estate;

    b)      making representations about the Real Estate;

    c)      finding the Real Estate for a party to acquire;

    d)      finding a party to acquire the Real Estate;

    e)      showing the Real Estate;

    f)        negotiating the price of the Real Estate or the terms of the trade in Real Estate;

    g)      presenting offers to dispose of or acquire the Real Estate; or

    h)      receiving deposit money paid in respect of the Real Estate.*

    You most likely purchased your home and already know that lawyers, bankers, appraisers and inspectors are involved in the Real Estate process. You have probably heard about home staging and curb appeal. Do you really need to pay up to $1500 for somebody to tell you what you already know? 

    It is true that anybody can post an ad on the Internet and receive inquiries. But what do you do after that? Does it make sense to repeatedly meet with your lawyer to seek Real Estate advice? A REALTOR® will advise you from start to finish and is available when and where you need them.

    REALTORS® provide advice based on experience and knowledge about the local market conditions, trends and history. REALTORS® will take care of the details, letting you focus on your goals. You will need to understand the Law of Agency and how it affects you as a Seller. It is important to understand that Listing REALTORS® have a very different role than REALTORS® working as Buyers Agents. Be clear about who is working for you, and what information you are providing.

    Selling your home is important. Getting the right price and terms is important to you. Avoid costly mistakes and unnecessary fees by getting it done right the first time. A REALTOR® will do more than just advertise your home for sale on the Internet. The simple fact is that choosing to hire an experienced REALTOR® to sell your home will protect your interests, reduce your legal risk, and save you money, time and stress.

    - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
    Source:  RESA, s.1 (definition of "trading services")
    The opinions in this article are those of the authors and not those of Pemberton Holmes Ltd.
    Information is from sources deemed reliable but should not be relied upon with independent verification.

     

     

  • Are You Thinking Of Selling? We Have Buyers!

    We are working with qualified Buyers hoping to purchase very soon. Properties we are trying to find for different groups are:

    - small acreage suitable for a two horses; manufactured home is fine; anywhere in the Cowichan Valley area. Completion would be in May. Price Range up to $350,000.

    - Rancher on a flat property. Must have a two-car garage and be in move-in condition. Prefer hardiplank siding. Prefer Duncan, east of the highway. Completion beginning of June. Price range to $350,000.

    - acreage in the Cowichan Valley within easy access of riding trails and outdoor recreation. Wanted asap. Price range varies depending on whether raw land or acreage with a house.

    - a "renovation" home in the Duncan area. Price range varies depending on the uniqueness of the property.

    Do any of these describe your home? Or someone's home that you know is thinking about selling? Contact us. We can discuss an arrangement to get your home sold quickly and smoothly. This is not intended to solicit properties already listed for sale.

    Contact us either by email or telpehone.

    Doug Webber & Shae Webber
    Pemberton Holmes Ltd.
    Email:  dougandshae@webbers.ca
    Direct: 250-709-8888 

  • Find Us On FaceBook

    You can now keep up with us on Facebook. We're known as The Webbers. Hope to see you there!
  • Changes to Mortgage Rules and What Self-Employed Buyers Need to Know

    Do  the new mortgage rules affect the self-employed individual? Yes. It is going to be more difficult to obtain a mortgage as the CMHC insured mortgages will require further proof of income. If you are self employed and thinking about buying, think about buying something before April 19th!

    We encourage your posted comments. Contact us direct for professional advice based on your personal circumstances. 

  • Major Change To Investment Real Estate - Looking To Buy? This Is A Must Read!

    Individuals looking to purchase real estate as an investment (ie: rental property), there is a MAJOR change you must know about. The new Federal changes made to mortgages include a change to your required down payment. Effective APRIL 19, you must have a down payment of 20% for government backed (ie: CMHC) mortgages. There are also changes regarding how much rental income can be included in the mortgage application.

    If you are looking to purchase rental or investment real estate and you don't have the 20% down, you had better make your purchase prior to APRIL 19TH.

    We encourage your comments. If you would prefer confidential real estate advice, please contact us direct.
  • New Mortgage Rules For Home Purchasers ~ Important To Know

    If you are considering purchasing real estate, you need to know about the mortgage changes coming in to effect on April 19th. Your purchasing power may be affected by as much as $100,000!! Here's an example:
    Mrs. Buyer has an annual income of $54,000 and qualifies at the 3 year rate for a mortgage of $300,000. On April 19th, Mrs. Buyer may find that she only qualifies for the 5 year posted rate which means her buying power has dropped to approximatey $200,000 (based on the 5.39% fixed posted rate).
    Mrs. Buyer has two options (1) qualify now at the 5 year posted rate and adjust her expectations in a home, or (2) enter into an unconditional Contract of Purchase and Sale prior to April 19th.
    We encourage your questions. Post them publicly here or contact us direct to receive confidential real estate advice
  • Newly Listed Family Home in The Warm Lands

    "The Warm Lands" subdivision is located near the Shawnigan Lake Village and is an easy commute to Victoria. This large family home boasts 5 bedrooms, a den, in-law suite potential  and all the things you would expect from a home of its calibre. View the many photos and floor plan (not exact to actual house) at our website. You will not want to miss this home. The almost half acre property is treed at the back and offers plenty of room for your ideas. Detached shop/garage? Swimming pool? Let your imagination go on this one. View the photos and details at our website and then contact us to book your appointment to view.

    Address:  2655 Courtney Way     List Price:  $699,000  (well below recent bank appraisal)

    Listed with Doug Webber and Shae Webber
    Pemberton Holmes Ltd.

  • Recognized by Pemberton Holmes as 2009 Top Producing Team

    We are happy to announce that we have recently been recognized by the Duncan office of Pemberton Holmes as a Top Producing Team for 2009! This is a great achievement and one that we are very proud of.  We recognize that a big part of our success is from our satisfied clients referring their family, friends and neighbours to us. They know that the people important to them will receive the same personal and professional service which they received. We want to say thank you to all of our clients for making this a successful year and look forward to continued support and referrals.

    Doug & Shae 

  • Blog Launch

    We are launching our new blog and are hoping to hear from everyone visiting it. Send us your questions & comments and we'll try to answer or respond to them here. Much is happening in the world of real estate and we want you to be a part of it. I am hoping to write on many topics and hope to hear from many of you in return. Keep it active & up to date!

    Shae Webber