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Category: Buying a Home

  Most people don’t know the difference between banks and credit unions in Manitoba. Even fewer people know how that difference could be hurting their finances and…
Most people don’t know the difference between banks and credit unions in Manitoba. Even fewer people know how that difference could be hurting their finances and futures. http://jeffstern.com/index.php/knowledge-base/why-credit-unions-might-be-worst-place-get-your-mortgage/


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Category: Buying a Home

    Sixteen years ago, the couple was relocating to Winnipeg, MB from the U.S. We worked together to find the perfect-for-them home.  They planned to stay no longer than 5-8…
Sixteen years ago, the couple was relocating to Winnipeg, MB from the U.S. We worked together to find the perfect-for-them home. They planned to stay no longer than 5-8 years before relocating. They’d sell and move. That was the plan. They ended up stayi… http://jeffstern.com/index.php/knowledge-base/close-call-real-estate-client/


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Category: Buying a Home

  When we talk about flipping houses, most of us think of being the one to flip the house. But what if we’re the ones buying the already-flipped house? It makes us…
When we talk about flipping houses, most of us think of being the one to flip the house. But what if we’re the ones buying the already-flipped house? It makes us wonder (or should, at least)… did they do a quality job, or will their quick renovati… http://jeffstern.com/index.php/knowledge-base/how-avoid-accidentally-buying-investors-flip-house/


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Tags : Flipping, Investor


Category: Buying a Home

  For the uninitiated, a buyer’s agent is the real estate professional hired by (though not necessarily paid by) the buyer. The agent is absolutely committed to look out…
For the uninitiated, a buyer’s agent is the real estate professional hired by (though not necessarily paid by) the buyer. The agent is absolutely committed to look out for the best interests of the buyer. Why Buyer’s Agents are an Important Protectio… http://jeffstern.com/index.php/knowledge-base/buyers-agent-what-expect-when-hiring-one/


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Category: Buying a Home

    That’s right. You’re not actually always free to choose whoever you want to represent you in real estate. Sometimes, our industry’s law chooses for you. (I know, we…
That’s right. You’re not actually always free to choose whoever you want to represent you in real estate. Sometimes, our industry’s law chooses for you. (I know, we don’t like it either sometimes.) Unsuspecting buyers fall under this rule all. th… http://jeffstern.com/index.php/knowledge-base/warning-little-known-industry-rule-will-keep-you-choosing-your-own-real-estate-agent/


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Category: Buying a Home

    In Canada, despite the current process of legalizing marijuana well underway, Grow-ops remain a property no banks will finance – not even after they’ve been remediated…
In Canada, despite the current process of legalizing marijuana well underway, Grow-ops remain a property no banks will finance – not even after they’ve been remediated and deemed safe and liveable. Once a property is flagged as a grow-op, or for having… http://jeffstern.com/index.php/knowledge-base/buying-grow-op-theyre-cash-only-canada/


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Tags : Grow-op


Category: Buying a Home

  A couple had their eye on their neighbor’s property for some time. They wanted to buy it privately.  They knew the owners, and over the course of two years, had talked…
A couple had their eye on their neighbor’s property for some time. They wanted to buy it privately. They knew the owners, and over the course of two years, had talked with them about buying. The owner would name a price, and the couple would say it was t… http://jeffstern.com/index.php/knowledge-base/how-buy-house-privately-even-if-its-not-sale/


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Category: Buying a Home

  When buying a house in Winnipeg, Manitoba (or anywhere in Canada for that matter), if your down payment funds are coming from an external source like a gift from an…
When buying a house in Winnipeg, Manitoba (or Canada for that matter), if your down payment funds are coming from an external source, meaning your RRSP or a gift from Grandma instead of from your own pocket, CMHC requires that money be in your account at … http://jeffstern.com/index.php/knowledge-base/down-payment-secret-could-save-every-home-buyers-heiny-legally-speaking/


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Category: Buying a Home

  If you’ve bought or sold a house in Manitoba you likely will have come across a document called the Property Disclosure Statement, essentially a required confession by…
If you’ve bought or sold a house in Manitoba you will have likely come across a document called the Property Disclosure Statement, essentially a required confession by the home seller about all they know regarding their lroperty. The form covers the gamut… http://jeffstern.com/index.php/knowledge-base/property-disclosures-what-are-they-and-should-buyers-trust-them/


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Category: Buying a Home

  Smart home buyers are pre-approved buyers. Not pre-qualification, pre-approved. There’s a huge difference – it’s the difference between being able to buy a…
Smart home buyers are preapproved buyers. Not Pre-Qualified, Pre-Approved. There’s a huge difference – it’s the difference between being able to buy a house or not. What is Pre-Approval and How is it Different From Pre-Qualificaton? Pre-A… http://jeffstern.com/index.php/knowledge-base/what-mortgage-preapproval-and-why-would-you-want-it/


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Category: Buying a Home

  “Why do I have to pay a deposit with my offer to purchase?” “Can’t I just give a $100 deposit?” Buyers ask questions like this all the time. It came up again…
“Why do I have to pay a deposit with my offer to purchase?” “Can’t I just give a $100 deposit?” Buyers ask questions like this all the time. It came up again this week, which made me realize we need to talk about it right here. What Is the Depo… http://jeffstern.com/index.php/knowledge-base/4-things-know-about-making-real-estate-deposit/


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Category: Buying a Home

  House hunting is exciting, isn’t it? Exploring the layouts and décor of homes you tour, open-house hopping, and taking online video home tours all showcase a world of…
House hunting is exciting, isn’t it? Exploring the layouts and décor of homes you tour, open-house hopping, and taking online video home tours all showcase a world of ideas for what your own home might be. It’s the IKEA grand tour. It’s the Pinterest ‘… http://jeffstern.com/index.php/knowledge-base/3-ways-protect-yourself-when-shopping-house-your-own/


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Category: Buying a Home

  If you could buy 1 apple for $2 or 2 apples for $2, which would you choose?   I’m going to go ahead and guess you’d want more bang for your buck, and would…
If you could buy 1 apple for $2 or 2 apples for $2, which would you choose? I’m going to go ahead and guess you’d want more bang for your buck, and would choose the 2 apples. Obviously. It just makes sense. So why are some people buying the 1 a… http://jeffstern.com/index.php/knowledge-base/dont-buy-rotten-apple-banks-are-trying-sell-you/


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Category: Buying a Home

  There’s a consistent phenomenon that happens among my clients. Almost without fail, every time a client does not take my advice to hire a certified RHI (Registered…
There’s a consistent phenomenon that happens among my clients. Almost without fail, every time a client does not take my advice to hire an RHI professional home inspector, they do not hire me again in the future. The ones who do hire an RHI professiona… http://jeffstern.com/index.php/knowledge-base/how-choose-home-inspector/


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Category: Buying a Home

  “Jeff, we want you to help us buy a house” the stranger said over the phone. He planned to move to Winnipeg and had been referred to me by a friend, a past client of…
“Jeff, we want you to help us buy a house” the stranger said over the phone. He planned to move to Winnipeg and had been referred to me by a friend, a past client of mine. “Of course,” I said, and explained how long-distance home-buying could work. … http://jeffstern.com/index.php/knowledge-base/how-my-photos-lost-me-commission-and-why-id-do-it-again-hear/


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Category: Buying a Home

We never get to have all the features we want in a home. Still, choosing house features can be difficult. Especially if you’re buying as a couple. One wants an…
We never get to have all the features we want in a home. Still, choosing house features can be difficult. Especially if you’re buying as a couple. One wants an attached garage in the city, the other wants a veranda and two acres outside of town. It … http://jeffstern.com/index.php/knowledge-base/how-decide-which-house-features-you-can-and-cant-live-withou/


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Category: Buying a Home

  The process of becoming pre-approved for a mortgage is a murky one. For one thing, most people don’t know that prequalification is an absolute waste of time, and not…
The process of becoming pre-approved for a mortgage is a murky one. For one thing, most people don’t know that pre-qualification is an absolute waste of time, and not at all the same as pre-approval. (Here’s why) During the pre-approval process thou… http://jeffstern.com/index.php/knowledge-base/what-does-buying-house-really-cost-free-closing-cost-checkli/


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Category: Buying a Home

The newscast showed a Winnipeg house on fire.   I know that house, I thought. Flames lapped at the siding and rooftop from inside. Black smoke billowed from the…
The newscast showed a Winnipeg house on fire. I know that house, I thought. Flames lapped at the siding and rooftop from inside. Black smoke billowed from the broken windows. Then it hit me. I did know that house - it belonged to a past client… http://jeffstern.com/index.php/knowledge-base/lessons-clients-house-fire/


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Possession Day Romance

Sep 17, 2016

Category: Buying a Home

  It finally happened. Like a smitten youth aching for that first kiss, we’ve ached for this moment. We’ve dreamed of it. Felt like the day would never come. Finally, we see…
It finally happened. Like a smitten youth aching for that first kiss, we’ve ached for this moment. We’ve dreamed of it. Felt like the day would never come. Finally, we see our chance. This is it. It’s going to happen. We lean in, hardly able to contain… http://jeffstern.com/index.php/knowledge-base/possession-day-romance/


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Tags : Buying A Home


Category: Buying a Home

Some people prefer to buy houses without the help of a real estate agent. They love the hunt. The investigation of a home, a deal, the laws, the financial options, it’s…
Some people prefer to buy houses without the help of a real estate agent. They love the hunt. The investigation of a home, a deal, the laws, the financial options, it’s all an adventure for them. I have no problem with that. Being involved in the pr… http://jeffstern.com/index.php/knowledge-base/when-diyers-want-use-real-estate-agents-free/


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