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B6-The Canadiani Champion, Friday, October 1. 2004 Ask A Realtor tor hel Buying a home of your own is a big step So you've decided you viant to, stop paying rent and buy your first home. Youîre not alone. Wiîth interest rates af their Iowest in decades, many peo- pie have discovered that mortgage paymenfs can he significantly Iower or at Ieast comparahle to the rent they are currently paying. Makîng the deciston to hecome a homeowner s the easy part since huying a home is a great investment in your future. For many people, if's no prohlem to keep up the monthly mortgage pay- ments and other costs associated wvith home own- ership. But what usually holds first time hoyers hack is the initial dlown payment required to ohfain a mortgage. How much can you afford? The first thing you neeci to determine is how much house cao you realistically afford? Itîs a good idea to talk f0 a Realtor for help in this ares. A Realtor is skilled at helping peuple niake their dreams of home ownership corne trme. He or she knows how to, assist you in assessing your needs and wants and can then match them with homes n your price range. As weII, he or she wiII help yoo understand propxey financing, taxes, insur- ance and the process you will go through as a first tirne hoyer to complote a real estate transaction. Your Realtor cati also offer advice on ways f0 save your clown payrnent faster. He or she wiII Iikely SUggest yoo take ativantage osf government OPEN HOUSE SAT. ir SUN 2-4PM programs such as an RRSP boan or the Ontario Home Ownership Saving Plan (OHOSP). Another option your Realtor can help you explore is a hig ratio morigage. A high ratio mortgage requires a smaller down paymer than a conventional mortgage hecause tf s insured hy the CMHC <Canad Mortgage and Housing Corporation). Talk to your Realtor for details o how these programs work. Once you know your price range and have a down payment plan i the works, your Realtor will work wvith you to find the "home of yon dreams.î For mont people, their first home is more modest than the tn. home of their dreams, hut tf s a start and will he much more affordahie. When you have found the righf home, your Realtor wilI he there negotiate on your hehalf I0 get the hest purchase price possible. He or s wilt make sure your interests are covered in the purchase and sale agre ment and wilI help with ail the details required f0 complefe the transat tio A Realtorîs knowledge, expertise and negotiating skills will ensure yo first time home huying experience is a dreami corne tmue and not a nigh mare. This arlicle is provided b> local.o Realtors and the Ontario Real Esl,î Asscaociation (OREA) for the benetit oaf coîfstn lrs in the real estife mardkx i- OPEN HOUSE .e 35 3TELFER GLEN MORRISTON IIwv~ &mm cumi çYI Qo FANTASTIC 3 BEDROOM MORRISTON EXECUT1VE BUNGALOW Laaaied ai Towrihorie in smaîl quiet camples. New carpet ttiraugh- 15, 401 and lwyi t loasI, Ii, 311 Sluare foot bungalow ias, fiilrd out and fresfaly paanted. Master ensuite and flnatred base-seeirelcsreefaos uilyawrknspadiaeras0 ment Larg Ming romr wier w/a taoivt tentsr hihih the ce i l ied fice n ad n rga 4o spacu ral C/A. F-S-w-O3 inicluded. mroins, 3 bathîronms, and a eetra large rec ro camp leii the fane. 2 car Cail 1-066-JACKVAN. www.jadb om altacheit garage. Minutes la the 40f. A defighlul hone. For uîewng, caii: SPICTACULAR HOME - A MUST SEE Beuatîtul hume wrth DORETf PR BEAITY Siannin 4i tdrm heur fuir sony opgrsdes. Eutra Irg Mastr wîth baillai electrîc firepioce, Iae f tota t e r oase . rD.sp once. lümera airaret hîs & hers clusets sud ensuite bath w) sooker lob. Laminated m ore' Hage privae huai yard wh 3 yesr nus Il lands ducS, flour in tomily, neatral decor thîohout. Entras are pst lifihîs '~ 'a cruwn moolding. Calîlsînia nfotters. Close ta porEs. A most . ttanlo i uosisae ae' sla sue. Shows a ++10. Cali omenic tsdoy. ROALEPAGE Prd "M..d-,ntww R.ie s h rj Dateline is a free listing of coming events only. The column is available ta local community groupa to assist in promoting their tuture events. Only charitable or non-protit community groupa may use this service. We can only guarantee one issue ot publicify closest ta the date of the occurrence although more insertions are possible if demand is low. Notices tor Dateline should be hand- ed in aft the office of The Champion, 191 Main Si. E., mailedftoP.O. Box 248, Milton, Ont., L9T 4N9, faxed to, (905) 878-4943, or e-mailed ta miltoned @halfonsearch.com. The final deadline is noon Friday for Tuesday's edition and noon Wednesday for Friday's edition. Dateline items aren't accepfed by telephone. Friday Oct. 1 'iSA $15 4 0$, t The Milton Seniors' Aclivity Centre, 500 Chiluts Dr., boids ils Country Hoe Down a Chicken Barbecue with a cash bas ai 5:30 n"- p.m. and s qoarter-chicken dînîaer as 6:30 1 p.m. fottowed by comedy, singing and a n performuance by square dancers. Tickets ir cosi $15 sud are availabte aI the receptnn e desk. Il alsan hoids contract bridge ai 10 f0 asu The cee-t is $2 for members and $4 for non-members. Il hoids eucbre ai t1:301 ps. tO New players are welcomne. Fuir more infor- te amtion, cali (905) 8l75-1681. Weitsprrng Hallon-Peet. a support taet- work for cancer patients atad lhcîr fatrnlies. haalds ils drop-in Relaxuation and Ur Viscealization program lram Il auni. la 12:30 p.m. ai 2545 Ssîla Utte ti t>aks Ie. Fuir maoire infoarmat,la cui (9015) 257f1998. te y'uths auiaca 9 lui f3 are iri ed Ifluiîlc Miiltonr Lcisaîire Centîre lr<îai la.3f) lIo () p.r. fuir erîher Makenever Nladness arr Biords, Bikes and lilades. ttrirg yoirl las iariae matte-up aîîd liarr .ricessuirics liai Matere Nlaiatess r reine rail stafe hara. riller hlaraes o iiikîe futo ute flc esu taie par t lelrund Meinrîir.l Ar cra TIre cars is $4ý puayufle rî fle afar ta( r nire informaionii. cali f9115) 878-7946. Saturdav 00c. 2 flic Miltoni Hisirial Sociefs lisîsý a bus tour couîacled hy Ruil Braisan ..iailui cf' Ghosl Taira ns ai' Onta.rioa. The tor inclades a storp aI Ruahu cr Hisîairic Mansion. T~he bus ceaves I 9 a ra. frasu fic Milton Tuown Hall parking loi. The cos is $35, wfarch doesnît include lunch. To regis- ter, cail Mar-sha Watdie ait (905) 878-1146 or Sonia Pacheco aI 1905) 875-7345. Euchre is betd ai Homby Co-operalive Nursery School at 7:30 p.m. Att are wel- came. Si. John's Anglican Church, 10009 Guelph Lise in Casupheilvitie. holds its annulai Junmbo Sale frosu 8:30 s.m. ta 2 psu. inciuding a hake sole and barbecue lunch. The Town of Milton invites the public ta the officiai opening of the expansion of Lions Sports Park with the officiai cere- mony att i1 asu. foliowed hy tive entertain- ment, a free barbecue lunch, hasehail, soc- cer sud skateboard demonstraions. plus chiidren's activities ssch as pumpkin deco- rating sud kite building. For more informa- tion, cail (905) 878-7252, ext. 2199 or visit www.miiton.ca. T'he Womeu's Centre. 210-1515 Rebecca St. ini Oakvitle. hoids uts Relationsbip Wif h Self worksbop, which irons for four sessions, fram 10 arn. la noon each Saîurday. Leato how 10 balance and retease behaviaurat panterrs from the past. Il cosis O Ž $25. It aiso hoids its Creativity and Innovation seminair, which hetps define problems ibirough the Chinese portrait and *see more DATELINE on page B7