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B6 -The Canadian Champion, Friday, February 17, 2006 k r ~~yy~* FREEHOLD TroWNHOME IN HAWTHORNE VILLAGE Stunning 3 bedroomn home ftrsa big Eat-in-Kitchen wth ceramic floors and a pantry. Walk-out to yard. Open concept living/dining room. The Master bedroom has a walk-in closet and a semi-ensuite bath. Upgraded door from the garage to the house. Oversized basement windows. Quick possession mav be nossihle. IN AGREAT NEIGIIRURIIOOD The Baker Model by Mattamy is a -. great starter perfect for a Young family. Located in a high demand neighbourhood and is close to new schools and parks. This 3 bedroom home is well laid ouf. Main floor living/dining roomn plus a Kitchen with ceramic floor and backsplash. Walk-out to a good size backyard. Driveway has been widened. ALMOST NEW 3 STOREY FREEHOLD là TOWNHOME This beaufîful 2 M bedroomh e is perfect for a firsf time buyer. The Main level offers a Kitchen with upgraded Maple Cupboards and a breakfast bar that is open f0 the living/dining room. Walk-out to a good size balcony from the kitchen. Main floor laundry and garage access. This home is avail- able for immediate occupancy. OPEN HOUSE NEW PRICE' 251 FEATHMRT0NE a OPEN HOUSE SPECTACULAR AU. BRICI (Tihe Crottoide Modeil By Mat Hawoinonne Vilage Great Open TERRIFIC 3 BEDROOM DETACHED Baths Spotiess Tttioughoui & la Min t SatS o Tocintonehoms Itgin eate ktrho Oming Room Bright Eat-Ile Kitcir In M in t Suthby oucstoe ho es rigt et-mkithen& Paniry Sygraded Onden Padoîr wfth walkoat ta latge fenced backyatd, Es rasce fom garage si.WlT ShoAnP ta backyard. Genetoas sized bedtooms, Great famiy home.OstWi nSon n A pleasate ta view. Tws car parking., Shopping Mail, Commonity Cen HABLAMOS ESPANOL OrOsaiMpAr. Tra Miand n.. I 307 PITflCW hAlL KFREEHOLD TOWNHOME ain oated InTe Heat Of Concept Layouit 3 Bedrooms 3 Ready To Move In Pot Lighis ln en And Upgraded Maple Cabinets ng Throughout Large Windowss In ark Mins To Go Station, Hwys ter AnO Soif Courses Check the Comunidad Hispana" SU/ PETTIGREW TRAIL Beautiful 1600t Sq. Ft Semi fust 3 years nese. Greenpa Quatîty Burit. Family Sîze Kîtchen with Large Eat. area and Slidrng lIsor watk sut tir yard. lmipressir master bedrosmn with 4pc ensuite & soaker tub. wuMr OPEN HOUSE E Here's Your Opportun"t To SAT. FES *18akt SUN. FEa 19- 2-4 PMi »092 WIIJNGTOd * RCH OVf CUFRIIIIIIEm 72,000 HOUSEHOLDSU I The. Miltaon anadan PASTORAL PERFECTION AND PItIVACY This remareabie country estute otters etegant living space an 2 acres af snta treed lanrd compiete with pond, poel and hier deck. Attached, spacious 2 car garage, comptetety tenoeate tttroaghoat euh ntnking ceantry style gattey kîtchen. An absnelu mrusi aee .. the perfect home in the perfect setting. Fat mei detaiied infoarion, cati tait Iree, anytime, 1-366-234-3310 ar enter lI 9092 tar a recerded message. Or, better yet, cail m for yourperaonat tour. .3 te id Georuet»mVActon lndependent'& Fiee Press, and OakvIU. Today are offeeing YOU the. OPPortunlty te .each tdu greatest number of hornei in tMe aiea wMt t&e TOP THREE COMMUNITY NEWSPAPERS!,ii wnaoeer audiencle you're affer, we have yen covered in our TOP THREE COMMUNITY NEWSPAPERS: Milton Canadian Champion . .... 20,700 Georgetown/Acton Independent & Free Press . .25,065 SOatevitte Today..................... 27,000 Guaranteed Auditeel Dlatributlonu .72,765 *Distrihution audited annuaty tep canadian Circuathons Audit Board (cABi lips for first ime home buy,,elrs Buying your first home is o major tite event. You witi hove mony decistons f0 moke both beture and offer yuu hind the right home, inciudtng finonciot decisions. Here ore o tew tips fo moke ftnoncing yuur tirot home o tittie eosier. 1. Get pre-approveci for a mortgage. A pre-opproved mortgoge gives you on edge, Before yu even go house hunting. you witi knuw your maximum mort- goge omount the infereot rote ond the omount of your munthty mortgoge poyments. A pre-opproved murtgoge moy otto put you in o strunger borgoining position when yu moke oas Offer o Purchose becouse the setier wiii know thot you ore o seriuus buyer 2. Detlermine your home pnice range. With yuur tinoncing oireody figured ouf. you con cuncen- trate un tinding the right home within yuur price ronge. There are fwo thingo f0 consider when determining how much you con otturd f0 spend on o home. " How much do you hove for your downpoymenf? " How much con You offurd tor your monthy poyment whiie stiti enioying tife? To hetp you onswer these questions you con either coul your finonciot institution or go to your bronch ond toik to your personot bonker. Sume tinonciot institutions, inciuding CIBC, have touts un their websites thot con heip you coicuiote whot you con otturd. .tusf enter your informotion in respunse f0o atew questions ond the coicuiotions witi be dune tor you. 3. Determine your downpaymenf amountt. You con buy o hume with os fite os 5 per cent ut the pur- chose price. Huwever if you have o duwnpoyment ut tess thof 25 pet cent if wili meon yuur mortgoge must be rnsured by on insurer such os Canodo Murtgoge ond Housing Corporotion (CMVHC) The omount ut yuur duwnpoyment wiii determine whether yuu need mortgoge insuronce or nut. Your insuronce premium wiii depend un the omount yu are borrowing and the omount ut your downpoyment Premiums usuaiy vory between 1 .00% and 3.25% of the mortgage amount. 4. Tap Into your RRSPs. If you quoity as a firnt-time homebuyer, you and your spouse can each use Up fa $20.000 from your RRSP sovings tuwards your downpoyment. This money wiii flot be inciud- ed in your taxoble income. os long as you repoy the omounf withdrown trom yuur RPSPs withîn 15 years. 5. Be aware of addtiona cosfs. Vour mortgage wii cuver off the greoter port ut the pur- chose pnice ut yuur home, howevec, there are uther cunts ossucioted with buying o hume. These ate coiied ciosirrg coots ond they usuoiily ronge between 1.5% f0 3,5% ut the totol coot of your hume. Aiso, don't forgef f0 cunsider gen- erot espenses such os muving and home decoroting cunts. If you ore iouking for your tirot home. Cisc pruvides votu- able ond informative services for the firof time humebuyer. For more information about your mortgoge options, con- tact your CtBC Advtser or coul i 800 46t5-CIBC (2422). -News Canoda Saies Represeniatîve Marketing Vour Home For Ait Its Worth! (59)827u3434 REALTY SPECIALISTS INC. 1ý. e M"', 71