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sawkbxl istateymax 301998 fete aaswfe i the sylvia morris group one of canadas top 5 producers in the century 21 sys1em1996 direct iine 9054158003 stevejevans buyer agent jsylyia morris great lot 4 bdrm renovated kitchen sunken family rm wfirepace walkoutfin bsml w3 pee hrdwd firs under broadloom walk to all amenities 279900 3400 sq ft of luxury 4 bdrm 4 baths very large rooms prof fin lower level with sauna hot tub all the bells whistles wooded secluded lot trees galore 449000 why rent when you can buyi fab- renovated 3 bdrm townhome eatin kit prof fin rec rm parquet firs loaded with extras quiet complex in heart of markham walk to main st 134800 if ral m5 m approx 2760 sq ft 2 storey large eatiri kitchen huge family room walk to inground pool cabana great location close to all amenities 285900 unique ufestyle home executive 4 bdrm 3 baths bright open- concept large fam rm with fireplace dose to all amenities 264900 art b p open house sun 24 pm 48 wootten way south mkm hwy 7 wootten way s 4 bdrms 5 baths parquet fir 3 wos prof fin lower level wsauna 2 frpjes premium lot winground pool 309900 century home huge lot fabulous 3 bdrm completely renovated thrudut updated kitchen great location gate to trails conservation 10 min east of markham all the bells whistles 268800 gorgeous 3 bdrm prof fin bsmt wfireplace 2 baths walk to markvike mall and all amenities motivated vendor 184900 in the heart of markharri 4 bdrm marble firs ceramics solarium off kit fam rrhs person hot tub prof fin lower level wfp sbdrm huge guriftepool triple car garage339900 v v john laiida hawco c905 4712121 5 sir pellias in markham village 4 br 4 bedroom home old general store mainflr fam rm hrwd floors new roof large 66xi65ft lot access on woodbine new windows furnace jacuzzi bath ig avenuetemfic potential for home andor pool 248000 professional office fred crawford stunning 4 bdrm home on large 73 x 219 lot with ingrourid pool v5 pc ensuite is oneofatond plus wo balcony overlooking pool vkftchen is open concept for great entertaining vcehtral markham vashrig 569900 call fred crawford l sales kcnrcsentafivc associate liroker rk 1 i i tfikejlisqefi eet or hying large fenced jmejor two fireplaces and a panoramic view but it may be time for pitiieck ifmost firsttime buyers want their dream home right away however that dream home likely sells for several hun dred thousand dollars and the down pay ment is more than you earn in two years not to mention- the mortgage pay- ments f which are three times your monthly takehome salary the best way to deal with this reality is to imatcli your fihancial pabjliues- with the home that meets as many of your needs as possible many firsttime buyers purchase what is commonly known as a home i theres- nptngwrpfigt with apprpathij tn fac sense to avoid buying iahorne that will stretch your budget to its breaking point financial institution fcommbhly called a lender qafi ihost pfsusbuyingibur first home means com- biningquf sayings withj money borrowed thipugfra special type of borrowing arrange ment called a rnortgage chase is not only accept- able its desirable even people buying millions of dollars worth of real estate this route costs involved there are kvo types of costs in boyihg a home mimpxvix of money youll heed for the initial purchase this consists of the down payment arid other costs such legal feesandjtaark money they will lend you several factors liendpmi buy they look at your ability to pay both 150000 types ofcostsindeterminingthow much when you 50000 if you plan to borrowtunds through a epjnyentionalj they use several money you have available for a down- toent by four for instance if you have access to 40000 you may be able to purchase ra home with ran appraised value of 160000 40000 x 4160000 lis assumes of course that you have sufficient income to make the payments on a 1200gjrtgage most lenders will not permit a boi4 grower to take on a debt load the bor rower can f carry iiiiii thats why reputable lenders qualify potennal bprrovvers before issuing mprtf gages fm mpsi lenders say that your monthly its common sense to avoid buying a home that will stretch your budget to its breaking point die a mortgage including your income employ ment record and credit worthiness however one way you can estimate you cain ford is jtolpok a the irhburit of rnpneyvyou have available for j adpwn payment tlie r is conventional rnortgage s in this type of arrangement lenders housing will loan up to 75 per cent of the and taxesi plus condominium mainte- appraised value estimated market value nance fee if applicable should not of the property or the purchase price exceed 30 per cent of your monthly whichever is lower hii gross family income this is calledw tfi p oerit is ri r- gross oebtjseryice ratio n v- a j6vwlify6jreliinkftqc s ing ahornel bmp