Calgary Homes for Sale NW, NE, SW, SE, Hottest new listings!

Detached homes for sale 549k and up, Calgary NW, NE, SW, SE, Inner City, New Homes, Walkout Basement, Bungalows, Fenced Yard, Suite, Fixer uppers, Foreclosures, Infill’s, Handyman special, Mountain Views, Lake Front,

GET INSTANT ACCESS TO ALL THE HOT NEW LISTINGS NOW! https://yyc-realestate.ca/home-finder.html (copy & paste link)

Get your own personalized MLS portal to all the Hot New listings. Be the first to know! Get an automated email the moment a listing comes available! Just text me your search criteria to 403-860-2107 and I will be happy to help you. No Cost! No pressure! No Obligation!

Many Motivated Sellers - It is still a Buyers Market! But for how much longer? Get The Best Deals for Detached, Attached, Condos, Infill’s, Foreclosures, Fixer-uppers, Estate sale. Realtors / Investors Scoop the best deals! Why shouldn't YOU?

PLEASE NOTE: Do Not use the "Contact Poster" I get a return masked email that looks like this..czq23k39bd5h5@rts.kijiji.ca. The kijiji masked email will not work to send you listings. Therefore, to get in touch with me it is best to call or text me at 403.860.2107 or email me direct from your email. I will respond with in a few hours. Pictures & maps shown are for illustration purposes only.

With over 19 years experience as a Realtor and 20 + years in home building, I am positive I can help you find that perfect home. And I can even show you how to Reno it, develop the basement, build a garage, how to inspect a home and more! Don't buy a money pit house! No pressure, No Obligation. Please don't hesitate to contact me if you have any questions about any properties or need some buying/selling info! Find out how to shop to get the best deals! Buyers pay no commission fees; the seller covers these.

Robert Hinsperger 403.860.2107 Urban Real Estate Services Ltd. www.yyc-realestate.ca RobertHinsperger@gmail.com

Due to the high number of replies to my ads, I can only reply and work for the ones that include the following: Please include: Full name, first and last Your cell phone number You personal email Your search criteria Price Max, what you are pre-approved for, I work with the Best Mortgage Brokers in Calgary. This team of mortgage experts speak many different languages to assist you, English, Chinese: Mandarin and Cantonese, East Indian, Punjabi, Hindi, Urdu, Spanish So there is no language barriers holding you back form getting the information you need. They will guide, educate you and then help you make the right choice for your needs. You’re never in the dark. They will always give you all the information about your options. Please contact me so I can direct you to the right mortgage expert for your personal needs.

Min # of bedrooms: 1, 2, 3+ Type of home: condo, attached, detached Areas: NW, NE, SW, SE, City Centre Etc. Any other info you would like to add.

There is No fee charged to you from the mortgage broker. He will get you the best possible interest rate. It is best to use a Mortgage Broker rather then going to each bank shopping for the best rate. Every time you go to a different bank, they pull your credit score and the more it is pulled the lower your credit score goes. This dramatically affects the chances of you getting a mortgage and a lower interest rate. A mortgage broker pulls your credit only once and gets you the best mortgage and interest rate possible. Mortgage brokers deal with all the big banks.

Robert Hinsperger 403.860.2107 Urban Real Estate Services Ltd. www.yyc-realestate.ca RobertHinsperger@gmail.com ___________________________________________________________

WHY YOU SHOULD HAVE YOUR OWN REALTOR WORKING FOR YOU! The listing Realtor is working for the Seller, Not You! You won't save any money thinking there is less commission to pay. The listing Realtor will double end the sale and or the seller will save the fees. ___________________________________________________________

I work for you and your best interests 100%. A great Realtor will find you a Great deal on the home you are looking for. There are many ways to narrow your search to save you time and money. Whether you are a first-time buyer, looking for a new family home or a well-informed investor. With my vast knowledge in Real Estate and home construction, I can help you find the right home at the best possible price. I will provide you with the most up-to-date information: • Days on market can indicate if the seller maybe more motivated to sell at a much lower price. • The property history can provide valuable information on how many times it was listed, sold prices, reduced in price and much more. • Title searches can reveal a lot of information on a property like was it a grow op? • CMA - Comparable Market Analysis, these values help with knowing what the home is really worth in today's market. • Is the property a rental, occupied by the seller, vacant? Sellers are some times motivated to sell at a lower price when they are still paying the bills on a vacant property. Or, the owners had enough of being a landlord and want out! On the other hand, are the sellers going thru a divorce and want the home sold quickly so they can move on? • Price reductions show that the sellers are serious about selling. • Realtor comments that are private to only other Realtors. This section has comments like Motivated seller, Bring offers, etc. • Home construction knowledge helps weed out the money pit homes that will cost you in the end. • How I search for your property will give you the most reliable, up-to-date information available. There is a difference between Realtors who just send you listings and a Realtor who will truly work hard for your best interests.

Please call me for more information on the services I can provide you. In addition, how I can save you thousands of dollars on your next home purchase. ______________________________________________________

It is best to get a pre-approval before you go looking at homes. This way there are no disappointments, you will save time and you will succeed in getting your dream home faster.

Ways to improve your chances of getting a mortgage:

• Build a big deposit. The bigger your deposit the better chance of getting a mortgage, lower interest rates and lower monthly payments. • Get rid of that high car payment! Do you want to live in a nice car or a nice home? Buy an affordable car with cash. • Many lenders will allow for a gifted or borrowed down payment. • You can also take advantage of the RRSP Home Buyers’ Plan. This program enables first-time homebuyers to withdraw up to $25,000 from their RRSPs for a down payment – tax- and interest-free. • Be nice to your parents. They may be willing to help you by giving you some cash to put down. Lenders have no problem with this, as long as the money is given as a gift, not a loan. • Pay off your credit card; Reduce any debt you have to maximize the amount you can borrow, Lenders use an affordability calculator when deciding how much you can borrow. So if you have a lot of debt or financial commitments, this will affect the amount you can borrow. Close down credit cards you don't use, reduce your overdraft and, if you can afford to and it doesn't have early repayment charges, clear any personal loan in your name. • Tidy up your credit record; If you have had serious debt problems in the recent past then you are going to struggle to find a lender willing to take you on, but if your transgressions are minor you might be able to do something about it. Look at your record yourself to ensure you do not get penalized as a result of someone's mistake. The major credit reference agencies all offer access to your records, some on a free trial basis. If you have any doubts about what they show, why wouldn't you check them when you can do it at little or no cost? If there are errors, you can contact the organizations involved to correct them. If there are problems that you think might cause a problem, flag them up at the earliest possible opportunity. • Your credit record may also ring alarm bells for a lender if it is blank. It is tempting to think that having no debt is a good thing but you really need a credit history so that lenders can see that you are good with debt and repay it on time, if you don't have a credit card, take one out and pay off the balance in full each month. • Sort out your paperwork; This is particularly important if you are self-employed, as lenders are keen to see accounts that prove you earn what you claim to. The more evidence you can provide to show you are a good bet, the better. If, for example, you have just returned from maternity leave and your pay slips don't reflect your current income, ask your employer to provide a letter. • Buy something 'normal; Lenders do not like properties they think will be hard to sell – if the worst happens and they do need to repossess, they don't want to be stuck with a home they cannot get rid of. As a result, they are often unhappy with unusual properties. In recent years, they have also reduced lending on new build flats, where they think there may be a glut of supply and properties have been overvalued in the past, so you might need a large deposit if you have your heart set on a shiny new apartment.

Get all the MLS details on any home for sale as you drive the neighborhoods. Use my GPS Real Estate listings locator. Go to http://www.gpslistings.ca (copy & paste link)

Courtesy of: URBAN-REALTY.CA RE/MAX REAL ESTATE (CENTRAL), ESTATEVIEW, ROYAL LEPAGE SOLUTIONS, REAL ESTATE PROFESSIONALS INC, CIR REALTY, RE/MAX HOUSE OF REAL ESTATE, CHARLES, GAHAM REALTY INC. ROYAL LEPAGE BENCHMARK, SUTTON GROUP - CANWEST, Tink, CENTURY 21 BAMBER REALTY LTD. GREATER CALGARY REAL ESTATE, RE/MAX FIRST, ENGEL & VOLKERS CALGARY, FIRST PLACE REALTY, POWER PROPERTIES

Thank you for your interest in my ad.

Robert Hinsperger 403.860.2107 Urban Real Estate Services Ltd. www.yyc-realestate.ca RobertHinsperger@gmail.com