The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Buying your first ýorne requires careful planning Have you alwayç longcd for a home of yumr Remember ihall in add on to your down pay- Keep id grad <bai. in assessmlg yuu as a-boan pncd. L own. but werc afraid to' the i lnge, or pie- mciii, yom witl have lu, pay legal fees. murtgage rgsk. Ieing ions witl alvu takc a loomk ai Keep your fulure ntcdv in mind a, well. when viously kcked (hk mcciv <o) dovo' Doi you find fees, land iransfer lasg andi cloving covss So kc your oserai credmi rating. number of ycars ai looking for i houve. mon"t boy vîmp> for tlie yumrselt kiolyng wvi.-4fully ai "for %ale- signs? sure Io factor ghkw mnu) ytour calculaions. yotar pnseni job and mither factors ufmirera. Wi<hmmui a douhi. buying a hoipe is someihing Before you vla lokmna ai bomnes, i's bghly sedg Aist, mate vitre you tell thegcilvIr il <Noie are <liai requires carefuf planning and, of course. adsisaslc go calulate yof' gros& dcbi'service SouigArudant> amciie. ori servce% gial o ssuld like to adcrquaie financing Il'% the tiiggesq and mosi IGDSI ratio. Ti do this. take yo<ir toal munihly Once you ha've ; guud grasp of your linancimi be..cIuse Io - such a% shopping .ircas. paek. .5 imporiani purchave y)u're likrJy go make in grivv iome and mulliply il <1me 30 per cent. situation andJ knuns exa..ily whai you cani alfordm. local Iram.ll, bcbmu,Is mii NmipII.lv ymîur lifetimme. fot go menrion one ut tie flie resuling figure wilI gise yu thc anount i' iv me <o viai scuing &round ligie ymmsr firN, Yoo ay aismi manti fi li-ewithin a ls n dn smaneli long-tcm insesîmneniv availatile for mmmegage paymentv and pnîpcr<y home. Your firvi major dcmii(mI .su1l k lmmv4e vi n57r -*alkîng dtsincc Io .11rk. Uni., Many consurners are linding tic current bous- taxe%. lion Whc-rc do ymtu ivani <o tise' airai (o at quevionm ing markiet is affmirding <kmen iît a -wimtdus You vioumld ais4i calculait yor imitaI dehi ver- Tiv iv mvhere a realior iv ins aluatitc He oir lP. fl a good idca i mih lle.mlong mbi tie )o ppcluii> lii teconie irst-ime hmimeuwn- vice (TUS) raio. Take your mutai monmhly gisiv. sti wilt hi, abile <o vbns yo hue. isithin yor pu ave t a hiome Ittimîl tie iieir 0ser ver> Mr. incorne and muttiply il ty 40 per cent. The range of alfordhii>. 2minhuly your precrenvcv. care t,&P ry <Io vicis thc groperly more o Be Realastic revulting figure ill gise yu thc amomnt avait- and belpi you find the home lhaimv hLst suied lob' <ban once. W:1lt tusmi yimur nLeds'1Are yiou piet- abile for morigage paymnnt. prupeny <axes and your fltestyle. paredi oiake vavril mv&s t.. suppmînl die addition-- il you're îbunking about purchasmng your firvi lixcd munihi> paymeniv. sucti av toanv and He orvttc ivilî compare yir nee&%. mvanlvand al misismil paying foîr, Ai maniainîinga bornec home. il es evvenîîal to li realivîme. Mot r erdoi cad. budget wmth ishai mv availaitc on the market and If you anvvscred yes. ien yomm are rcady go lime huyers ivani ibrir dreani home nght away. Thesc ratios are uscuf ty lending institutions mate recummendamons <hat vas %ae yom lime loin thî ranks of ilmovandv (if promd hoameusen- complele umti a wte pîckel tenue. large stiade go quatmfytiorrowcrs for mmmnigagcs. The mosk and mtney. en. lhrughaai ghi#prsirce grecs, iutling Jawn and seral ibousand square common lyre of "urgage mv "consenoat.' When conveying your needv go a realior. J Thhs article i proirurd hit lmmai rm.alioes fort of living space. lIn mosi caves. il iv vîmpty wbere tenders witt kriwi up tuo75 per cent of ihe rememhcer diere are many types of houing tui and lie Ontario Real Esait, Assomciaion flot feavitte. appraiscd value (eslimaicd market vamme omil <li chuose frum mn tudayvs marielr nese homes. (ORLA)fîrrthe benefir ofminmaners ih tri'emai Before you gel carniemi asay. si( down and properly or purchase prîce - whîchever is resate homes. townhous.es and condominiums, esaae naekez mdenlify your needs. Huis must of a down pay* touver. The remainmng 25 We cem us the amtourit If ibis iÎ your firsi horne, a demached hoîme ment can you afford' What lyres of monlhly the puirchasce conitiuics au a down paymcir. wu<th a good-smeed yar" i r ke uîhin your pa>menmv can you cope imî. based on yomr By figuning oui these equamons. you wiul gain lunanctal reach. Be prepared <o kc l1p<hle mn <J M murens mn ahme Whai are your bm.asi eame- affu ord realim eau yof wlti <k calcula- scmm-detached hoees anor e m inepid e y B y g h m cmrensin ahome! Wi ae yor baic eqire- afod m each or reat hmc dca o wi the canura eidche an ee, anr iînm lanye rvd lcrs? lions. ample space and tend mo kc more niiasonatily rhlI,1 ll D U~OIUI192 coton StrnÎj RuaIty Maànagement Ltd. .Midlou, Oi., LOT 1K2 OPEN HOUSE 30 Heslop Rd. # 17 SAT. AUG 24 2-4 PM Upgraded broadloomn, new 4 plece balhroom. FulIy fenced yard, 6,43 Woodward Ave. 'e. t,. Backs onto Parkland, .End Unît, FlyFencedYarZI OPEN HOUSE 318 Launier Ave.#P $1 23,900. SAT. AUG 24 2-4 PM Central Air, Garage + Paved Drive, Fully Fenced Yard OPEN HOUSE SUN. Au g25 2-4 P M al Milloide Dr. 3 -3 bedroomn units For Sale *5th floor - 2th floor -Penthouse Ali asklng $139,9S0. a ig of ei li 2.Acounty poet BUNALO 3 t 41,10 CCd*vwwwlror 22 re boun<iy« prpet MR hfont oU tota Cale w e s ewbWf baro, bos.i~ fitsat ors. an d sil eo« h eh noeEcollent vatoifo wa" a bidcoi l MI& .di 10iii $206,500. Cal Steve Poitera et aaA&much u mist înle Vpîn<991 875-25fl <o sew. S" l ot i mii dm"~ 875-2112 IIiItIiIltl i!,11:3Ulit , I ll II!ui.'Ilms lum i eîm m ai - il~~~~ ~ VWsi ;l ii [1 ii,86dG gg&N UjlU44le favourably with rehding If yotiref(cdup wihrig and hav ~af wanled ahomeymou cod ct ou ovin u thoghllkhevhance ta. jui mtmid yoi gravp *due <o econumicu.. rs- o shi d kno <bal the lime has neyer keen kieqr goi make ymor dream corne trni, A vombinalion ut immu mntercvi rites and a rgmto lunore <itliirdahle prives is ktcpmng iii make il povssible fmor viiuntless Cnadmans iii enteir ibm. vsviling wmmrld oil hume mtsvwlrship. Surprilsingly as tl may sound. yiiiill fmd <bat the cuis ot ownmng a humne, mn mniat vaes an kc vutisanlmally hiver or vi(nparaile tii ihoe (if reuming V And, if ymîu %tari lming flou. yiîifand yoiur tamîty will prmtalily bc able Io muse mn tic spnng aid enjimy yotâe home tiotti indours andl s fl oui duong thk vummer rmonthv. ,e faties If ymiu*re eagcr lo tiuy. but hase cemet ru j W- ahouqith< siaiimy of your job, a job miss mont 10 Cai gage invarance prmgram called ALWAYS HOME mv asaitatile go kelp gise you an extra buosl mil confidenice, h Atlracmsely priced and Cutremely ope kenve..tis insurance wmîl lake care tif >.iur mîoigage and properly lt; paymentv mn the eseni ihal ymtu invîluniarily mise ymiur job. In -tic meanlime, Mau can gel your finances in urder aidJ focu% min findmng arimtkr job Reaîîrv mmf Onlarm svmrked seitti Pal vi Inmurarice Company and flimpsun. Thmmpvin & Assuiciales md. Insmitanve Bmsil. <m devel- op ALWAYS HOMI m lat lundt ma> tioy. en' are matimog ailsailugu. ui Wken buymng a home you shutd alsui vonvim- er the cquily vou'll kc building mn yîîur pruperty as% tinte gîtes b> and once kh mmngage iv paid mîfl, att yuu'll reaill have lu concern )miurvctf wstti aim taxsv. maintenance and utitlies nul a bail reluni on >aitr invsvient. Yuul also have mu devîdL wukre you seau <o lise and <hk type of house lhai's kes for you. Ibis mu s#krrn a rcaliouv services ptuvc insaluatte Afler aIt.I thcer aie plrmty of housing options avaîlable mn the martrîplace - nese homes. resale homes. losenhoases and condomnnimuns and a reallor can hlp you eboon oné limi besl siul your cegi and ptojccted lufestyle. Su if you'rc ready to lcap mito lime seortd of home owncrsip. sebai are you seailing for? «'*s une of <tic smant'tinvesiments you'll ever matie and you ccramnty seon'i regret mIl Mgw mÀïgf r5ý Direý t 87'-ý1rý,U 6L